Milam County, Texas: commercial real estate data.
Milam County, Texas has a population of 25,567 across 1,017 square miles, up 5.7 percent since the 2020 census base. County output reached $951.1 m in 2024, 452 establishments operate here, and the SBA record carries 9 7(a) approvals worth $9.9 m.
125 sourced county values · tier FULL · 12 sections
Milam County
How many people live in Milam County
- Population25,567
- Households10,152
- Average household size2.52
- Median household income$66,141
- Median age41.4
- Median gross rent$984 per month
- Median owner-occupied home value$189,800
- Home value to household income2.9 times
- Annual rent as a share of median income17.9 percent
- Adults 25 and over with a bachelor degree or higher20.6 percent
- Adults 25 and over with a graduate degree6.6 percent
- Adults 25 and over17,756
- Population under 185,778
- Share under 1822.6 percent
- Population 65 and over5,588
- Share 65 and over21.9 percent
- Working age population, 18 to 6414,201
- Civilian labor force11,965
- Unemployment rate5.0 percent
- Labor force participation, adults 18 and over60.5 percent
- Rank by population among Texas counties100th of 254
- Rank by population among US county-equivalents1635th
Milam County is the 100th largest of 254 Texas counties by population. A median home costs 2.9 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 22.6 percent against 21.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Milam County
Is Milam County growing
- Population change since the 2020 census base5.70 percent
- Census 2020 base population24,749
- Births, 2024315
- Deaths, 2024370
- Natural change, 2024-55
- Net domestic migration, 2024165
- Net international migration, 202419
- Total net migration, 2024184
- Cumulative net domestic migration, 2021 to 20241,599
- Rank by growth among US county-equivalents444th
The county has grown 5.70 percent since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Milam County
Where people moving to Milam County come from
- Tax returns filed by households arriving797
- People arriving, from those returns1,581
- Adjusted gross income arriving$54.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$68,588
- Largest single originMilam County Non-migrants (8,694 households)
- Largest single destination (8,694 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Milam County Non-migrants | 8,694 | 18,478 | $588.8 m |
| Other flows - Same State | 242 | 449 | $12.8 m |
| Williamson County | 196 | 437 | $16.3 m |
| Travis County | 98 | 187 | $9.5 m |
| Other flows - Different State | 82 | 158 | $6.5 m |
| Bell County | 74 | 143 | $3.4 m |
| Brazos County | 50 | 110 | $2.3 m |
| Other flows - West | 49 | 100 | $5.2 m |
The largest single source of arrivals is Milam County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Milam County
What the Milam County economy runs on
- County GDP, 2024$951.1 m
- County GDP, 2023$914.0 m
- GDP change, 2023 to 20244.1 percent
- GDP change over five years63.2 percent
- Rank by GDP among Texas counties157th
- Rank by GDP among US county-equivalents1882nd
- GDP per resident$37,202
Output grew 4.1 percent in the latest year and 63.2 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Milam County
Who employs people in Milam County
- Covered employment, annual average6,020
- Establishments reporting519
- Average annual pay$53,455
- Average weekly wage$1,028
- Sector 23, employment871
- Sector 23, average annual pay$75,037
- Sector 44-45, employment774
- Sector 44-45, average annual pay$34,824
- Sector 72, employment435
- Sector 72, average annual pay$20,374
- Sector 51, employment255
- Sector 51, average annual pay$99,691
- Sector 31-33, employment254
- Sector 42, employment252
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 23 | 871 | 56 | $75,037 |
| Sector 44-45 | 774 | 69 | $34,824 |
| Sector 72 | 435 | 40 | $20,374 |
| Sector 51 | 255 | 9 | $99,691 |
| Sector 31-33 | 254 | 20 | $75,368 |
| Sector 42 | 252 | 20 | $50,854 |
| Sector 56 | 249 | 22 | $54,769 |
| Sector 11 | 199 | 42 | $52,089 |
The largest sector is the biggest private employer group at 871 jobs, 14.5 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Milam County
What businesses operate in Milam County
- Establishments, all industries452
- Employment at those establishments4,663
- Annual payroll$231.8 m
- Establishments per 1,000 residents17.7
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Milam County
What is being built in Milam County
- Housing units authorised by permit, 202498
- Declared construction value permitted$17.4 m
- Single family units authorised98
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$177,257
- Units authorised per 1,000 households9.7
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Milam County
How much SBA lending happens in Milam County
- 7(a) approvals recorded9
- 7(a) gross approval dollars$9.9 m
- Average 7(a) approval$1,104,989
- Median 7(a) approval$735,100
- 10th percentile approval$15,000
- 90th percentile approval$3,654,000
- Largest single approval$3,654,000
- Jobs reported supported, 7(a)96
- Jobs per approval10.7
- Distinct 7(a) lenders active8
- Distinct industries receiving approvals8
- Median 7(a) term131 months
- Share of loans on real estate terms, 240 months or longer33.3 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter3
- Franchise loans3
- Franchise share of approvals33.3 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (2)
- Most active lenderEquity Bank (2)
- 504 approvals recorded2
- 504 gross approval dollars$1.1 m
- Average 504 approval$553,000
- Median 504 approval$653,000
- Distinct CDCs active2
- 504 jobs per approval14.5
- 504 jobs per million dollars approved26.2
- Most active CDCLiftFund, Inc. (1)
- 7(a) share of SBA approvals81.8 percent
- Combined SBA approval dollars$11.1 m
The average approval of $1,104,989 sits well above the median of $735,100, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. 33.3 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Milam County
Do SBA loans in Milam County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Cancelled3
- Status: Paid in full1
- Status: Exempt from disclosure4
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 1 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Milam County
Which parts of Milam County get the lending
- Places in the county with recorded lending5
- ROCKDALE, approvals4
- Milano, approvals2
- GAUSE, approvals1
- AUSTIN, approvals1
- CAMERON, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| ROCKDALE | 4 | $2,030,900 |
| Milano | 2 | $3,669,000 |
| GAUSE | 1 | $2,225,000 |
| AUSTIN | 1 | $2,000,000 |
| CAMERON | 1 | $20,000 |
ROCKDALE accounts for 4 approvals against 2 in Milano. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Milam County
How big is Milam County
- Land area1,017 sq mi
- Rank by land area among Texas counties68th of 254
- Width, east to west41.2 mi
- Height, north to south44.8 mi
- Geographies sharing a boundary6
- Residents per square mile of land25
- Establishments per square mile0.44
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Milam County
What hazards affect Milam County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book5
- Of those, participating in the NFIP4
- NFIP participation rate80.0 percent
- Communities carrying a CRS class0
The EPA places the county in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L.
US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001. FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Milam County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Milam County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population25,567
- Households10,152
- Average household size2.52
- Median household income$66,141
- Median age41.4
Common questions
Milam County questions, answered from the record.
How many people live in Milam County, Texas?
25,567, in 10,152 households, ranking 100th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Milam County growing?
The population has grown 5.70 percent since the 2020 census base. In 2024 there were 315 births against 370 deaths, with net migration of 184. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Milam County?
$66,141. The median owner-occupied home is valued at $189,800, which is 2.9 times income, and median gross rent is $984 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Milam County?
452 establishments, employing 4,663 people with an annual payroll of $231.8 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Milam County?
Average annual pay is $53,455, or $1,028 a week, across 6,020 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Milam County?
9 7(a) approvals totalling $9.9 m since FY2020, across 8 lenders, with a median approval of $735,100, plus 2 504 approvals worth $1.1 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Milam County?
98 housing units were authorised by permit in 2024, with a declared construction value of $17.4 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Milam County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Milam County come from?
The largest single origin is Milam County Non-migrants, with 8,694 households. Arriving households report an average income of $68,588 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Milam County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Milam County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.