Montague County, Texas: commercial real estate data.
Montague County, Texas has a population of 21,046 across 931 square miles, up 9.4 percent since the 2020 census base. County output reached $798.4 m in 2024, 448 establishments operate here, and the SBA record carries 8 7(a) approvals worth $4.9 m.
122 sourced county values · tier FULL · 12 sections
Montague County
How many people live in Montague County
- Population21,046
- Households8,538
- Average household size2.46
- Median household income$64,545
- Median age44.2
- Median gross rent$1,008 per month
- Median owner-occupied home value$206,400
- Home value to household income3.2 times
- Annual rent as a share of median income18.7 percent
- Adults 25 and over with a bachelor degree or higher18.9 percent
- Adults 25 and over with a graduate degree5.7 percent
- Adults 25 and over14,873
- Population under 184,788
- Share under 1822.8 percent
- Population 65 and over4,593
- Share 65 and over21.8 percent
- Working age population, 18 to 6411,665
- Civilian labor force8,849
- Unemployment rate7.1 percent
- Labor force participation, adults 18 and over54.4 percent
- Rank by population among Texas counties114th of 254
- Rank by population among US county-equivalents1819th
Montague County is the 114th largest of 254 Texas counties by population. A median home costs 3.2 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 22.8 percent against 21.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Montague County
Is Montague County growing
- Population change since the 2020 census base9.39 percent
- Census 2020 base population20,011
- Births, 2024219
- Deaths, 2024295
- Natural change, 2024-76
- Net domestic migration, 2024271
- Net international migration, 202414
- Total net migration, 2024285
- Cumulative net domestic migration, 2021 to 20242,293
- Rank by growth among US county-equivalents167th
The county has grown 9.39 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.
Montague County
Where people moving to Montague County come from
- Tax returns filed by households arriving805
- People arriving, from those returns1,702
- Adjusted gross income arriving$66.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$82,906
- Largest single originMontague County Non-migrants (7,094 households)
- Largest single destination (7,094 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Montague County Non-migrants | 7,094 | 15,233 | $486.2 m |
| Other flows - Different State | 169 | 323 | $10.0 m |
| Other flows - Same State | 137 | 296 | $9.2 m |
| Tarrant County | 132 | 277 | $10.1 m |
| Denton County | 113 | 245 | $19.8 m |
| Wise County | 102 | 247 | $6.1 m |
| Other flows - South | 77 | 145 | $3.9 m |
| Other flows - West | 70 | 130 | $4.8 m |
The largest single source of arrivals is Montague 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.
Montague County
What the Montague County economy runs on
- County GDP, 2024$798.4 m
- County GDP, 2023$806.9 m
- GDP change, 2023 to 2024-1.0 percent
- GDP change over five years37.3 percent
- Rank by GDP among Texas counties163rd
- Rank by GDP among US county-equivalents2028th
- GDP per resident$37,937
Output grew -1.0 percent in the latest year and 37.3 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.
Montague County
Who employs people in Montague County
- Covered employment, annual average4,925
- Establishments reporting515
- Average annual pay$47,325
- Average weekly wage$910
- Sector 44-45, employment746
- Sector 44-45, average annual pay$33,424
- Sector 31-33, employment615
- Sector 31-33, average annual pay$60,690
- Sector 72, employment421
- Sector 72, average annual pay$19,450
- Sector 23, employment313
- Sector 23, average annual pay$63,300
- Sector 21, employment221
- Sector 81, employment156
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 746 | 70 | $33,424 |
| Sector 31-33 | 615 | 21 | $60,690 |
| Sector 72 | 421 | 38 | $19,450 |
| Sector 23 | 313 | 54 | $63,300 |
| Sector 21 | 221 | 25 | $71,385 |
| Sector 81 | 156 | 40 | $42,238 |
| Sector 52 | 143 | 22 | $72,798 |
| Sector 54 | 134 | 44 | $49,513 |
The largest sector is the biggest private employer group at 746 jobs, 15.1 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.
Montague County
What businesses operate in Montague County
- Establishments, all industries448
- Employment at those establishments3,667
- Annual payroll$166.0 m
- Establishments per 1,000 residents21.3
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.
Montague County
What is being built in Montague County
- Housing units authorised by permit, 202422
- Declared construction value permitted$2.2 m
- Single family units authorised22
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$98,409
- Units authorised per 1,000 households2.6
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Montague County
How much SBA lending happens in Montague County
- 7(a) approvals recorded8
- 7(a) gross approval dollars$4.9 m
- Average 7(a) approval$610,500
- Median 7(a) approval$770,000
- 10th percentile approval$5,000
- 90th percentile approval$1,504,000
- Largest single approval$1,504,000
- Jobs reported supported, 7(a)202
- Jobs per approval25.3
- Distinct 7(a) lenders active7
- Distinct industries receiving approvals8
- Median 7(a) term240 months
- Share of loans on real estate terms, 240 months or longer50.0 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter4
- Franchise loans3
- Franchise share of approvals37.5 percent
- Leading industry by approval countGasoline Stations with Convenience Stores (1)
- Most active lenderWells Fargo Bank National Association (2)
- 504 approvals recorded1
- 504 gross approval dollars$222,000
- Average 504 approval$222,000
- Median 504 approval$222,000
- Distinct CDCs active1
- 504 jobs per approval1.0
- 504 jobs per million dollars approved4.5
- Most active CDCCapital Certified Development Corporation (1)
- 7(a) share of SBA approvals88.9 percent
- Combined SBA approval dollars$5.1 m
The average approval of $610,500 sits close to the median of $770,000, so lending here is fairly evenly sized rather than driven by a few large deals. 50.0 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.
Montague County
Do SBA loans in Montague County get paid back
- Loans with a final outcome recorded2
- Paid in full2
- Charged off0
- Status: Exempt from disclosure5
- Status: Paid in full2
- Status: Cancelled1
Too few loans have reached a final outcome to publish a charge off rate. only 2 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.
Montague County
Which parts of Montague County get the lending
- Places in the county with recorded lending3
- Bowie, approvals6
- SAINT JO, approvals1
- Era, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Bowie | 6 | $4,769,000 |
| SAINT JO | 1 | $15,000 |
| Era | 1 | $100,000 |
Bowie accounts for 6 approvals against 1 in SAINT JO. 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.
Montague County
How big is Montague County
- Land area931 sq mi
- Rank by land area among Texas counties97th of 254
- Width, east to west28.4 mi
- Height, north to south38.5 mi
- Geographies sharing a boundary4
- Residents per square mile of land23
- Establishments per square mile0.48
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.
Montague County
What hazards affect Montague County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book4
- Of those, participating in the NFIP4
- NFIP participation rate100.0 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 Montague 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 Montague County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population21,046
- Households8,538
- Average household size2.46
- Median household income$64,545
- Median age44.2
Common questions
Montague County questions, answered from the record.
How many people live in Montague County, Texas?
21,046, in 8,538 households, ranking 114th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Montague County growing?
The population has grown 9.39 percent since the 2020 census base. In 2024 there were 219 births against 295 deaths, with net migration of 285. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Montague County?
$64,545. The median owner-occupied home is valued at $206,400, which is 3.2 times income, and median gross rent is $1,008 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Montague County?
448 establishments, employing 3,667 people with an annual payroll of $166.0 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 Montague County?
Average annual pay is $47,325, or $910 a week, across 4,925 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Montague County?
8 7(a) approvals totalling $4.9 m since FY2020, across 7 lenders, with a median approval of $770,000, plus 1 504 approvals worth $222,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Montague County?
22 housing units were authorised by permit in 2024, with a declared construction value of $2.2 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Montague 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 Montague County come from?
The largest single origin is Montague County Non-migrants, with 7,094 households. Arriving households report an average income of $82,906 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 Montague 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 Montague 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.