Montgomery County, Texas: commercial real estate data.
Montgomery County, Texas has a population of 684,432 across 1,042 square miles, up 20.8 percent since the 2020 census base. County output reached $50.08 bn in 2024, 15,014 establishments operate here, and the SBA record carries 890 7(a) approvals worth $580.8 m.
129 sourced county values · tier FULL · 12 sections
Montgomery County
How many people live in Montgomery County
- Population684,432
- Households247,541
- Average household size2.76
- Median household income$97,701
- Median age37.2
- Median gross rent$1,532 per month
- Median owner-occupied home value$346,200
- Home value to household income3.5 times
- Annual rent as a share of median income18.8 percent
- Adults 25 and over with a bachelor degree or higher38.8 percent
- Adults 25 and over with a graduate degree13.7 percent
- Adults 25 and over450,020
- Population under 18177,029
- Share under 1825.9 percent
- Population 65 and over94,057
- Share 65 and over13.7 percent
- Working age population, 18 to 64413,346
- Civilian labor force341,352
- Unemployment rate4.6 percent
- Labor force participation, adults 18 and over67.3 percent
- Rank by population among Texas counties11th of 254
- Rank by population among US county-equivalents98th
Montgomery County is the 11th largest of 254 Texas counties by population. A median home costs 3.5 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 25.9 percent against 13.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Montgomery County
Is Montgomery County growing
- Population change since the 2020 census base20.79 percent
- Census 2020 base population620,567
- Births, 20248,596
- Deaths, 20244,640
- Natural change, 20243,956
- Net domestic migration, 202423,919
- Net international migration, 20246,480
- Total net migration, 202430,399
- Cumulative net domestic migration, 2021 to 202494,445
- Rank by growth among US county-equivalents14th
The county has grown 20.79 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Montgomery County
Where people moving to Montgomery County come from
- Tax returns filed by households arriving27,961
- People arriving, from those returns56,863
- Adjusted gross income arriving$2.63 bn
- Net adjusted gross income movement$0
- Average income of an arriving household$94,176
- Largest single originMontgomery County Non-migrants (221,234 households)
- Largest single destination (221,234 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Montgomery County Non-migrants | 221,234 | 497,973 | $27.91 bn |
| Harris County | 12,440 | 25,269 | $1.14 bn |
| Other flows - Different State | 4,045 | 8,299 | $411.2 m |
| Other flows - South | 1,693 | 3,361 | $142.6 m |
| Other flows - Midwest | 902 | 1,795 | $93.6 m |
| Other flows - West | 838 | 1,840 | $105.8 m |
| Other flows - Same State | 679 | 1,285 | $49.0 m |
| Other flows - Northeast | 612 | 1,303 | $69.2 m |
The largest single source of arrivals is Montgomery 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.
Montgomery County
What the Montgomery County economy runs on
- County GDP, 2024$50.08 bn
- County GDP, 2023$47.12 bn
- GDP change, 2023 to 20246.3 percent
- GDP change over five years50.7 percent
- Rank by GDP among Texas counties9th
- Rank by GDP among US county-equivalents118th
- GDP per resident$73,168
Output grew 6.3 percent in the latest year and 50.7 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.
Montgomery County
Who employs people in Montgomery County
- Covered employment, annual average227,434
- Establishments reporting15,222
- Average annual pay$70,262
- Average weekly wage$1,351
- Sector 44-45, employment29,560
- Sector 44-45, average annual pay$41,758
- Sector 72, employment27,422
- Sector 72, average annual pay$26,611
- Sector 62, employment27,289
- Sector 62, average annual pay$63,896
- Sector 23, employment15,625
- Sector 23, average annual pay$82,117
- Sector 54, employment15,137
- Sector 31-33, employment13,155
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 29,560 | 1,490 | $41,758 |
| Sector 72 | 27,422 | 1,142 | $26,611 |
| Sector 62 | 27,289 | 1,696 | $63,896 |
| Sector 23 | 15,625 | 1,438 | $82,117 |
| Sector 54 | 15,137 | 2,412 | $100,604 |
| Sector 31-33 | 13,155 | 665 | $93,516 |
| Sector 56 | 11,092 | 942 | $64,967 |
| Sector 42 | 8,460 | 909 | $111,379 |
The largest sector is the biggest private employer group at 29,560 jobs, 13.0 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.
Montgomery County
What businesses operate in Montgomery County
- Establishments, all industries15,014
- Employment at those establishments206,056
- Annual payroll$13.74 bn
- Establishments per 1,000 residents21.9
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.
Montgomery County
What is being built in Montgomery County
- Housing units authorised by permit, 202413,246
- Declared construction value permitted$3.52 bn
- Single family units authorised11,586
- Multifamily units authorised1,660
- Multifamily share of units12.5 percent
- Average declared value per unit$265,453
- Units authorised per 1,000 households53.5
Multifamily is 12.5 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Montgomery County
How much SBA lending happens in Montgomery County
- 7(a) approvals recorded890
- 7(a) gross approval dollars$580.8 m
- Average 7(a) approval$652,613
- Median 7(a) approval$292,500
- 10th percentile approval$40,000
- 90th percentile approval$1,846,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)9,801
- Jobs per approval11.0
- Distinct 7(a) lenders active131
- Distinct industries receiving approvals262
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer18.4 percent
- Loans on real estate terms164
- Loans on working capital terms, 120 months or shorter637
- Franchise loans223
- Franchise share of approvals25.1 percent
- Leading industry by approval countFitness and Recreational Sports Centers (35)
- Most active lenderThe Huntington National Bank (84)
- 504 approvals recorded131
- 504 gross approval dollars$170.3 m
- Average 504 approval$1,300,336
- Median 504 approval$902,000
- Distinct CDCs active15
- 504 jobs per approval14.0
- 504 jobs per million dollars approved10.8
- Most active CDCCapital Certified Development Corporation (41)
- 7(a) share of SBA approvals87.2 percent
- Combined SBA approval dollars$751.2 m
The average approval of $652,613 sits well above the median of $292,500, 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. Only 18.4 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
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.
Montgomery County
Do SBA loans in Montgomery County get paid back
- Loans with a final outcome recorded146
- Paid in full132
- Charged off14
- Charge off rate on resolved loans9.6 percent
- Status: Paid in full132
- Status: Exempt from disclosure582
- Status: Cancelled111
- Status: Charged off14
- Status: Committed, not yet disbursed51
Of the 146 loans that have reached a final outcome, 9.6 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Montgomery County
Which parts of Montgomery County get the lending
- Places in the county with recorded lending23
- CONROE, approvals241
- Spring, approvals168
- MAGNOLIA, approvals143
- Montgomery, approvals124
- THE WOODLANDS, approvals63
- PORTER, approvals36
| Place | Approvals | Gross approval dollars |
|---|---|---|
| CONROE | 241 | $160,754,700 |
| Spring | 168 | $108,717,600 |
| MAGNOLIA | 143 | $91,966,700 |
| Montgomery | 124 | $59,387,800 |
| THE WOODLANDS | 63 | $34,237,400 |
| PORTER | 36 | $29,713,800 |
| WILLIS | 26 | $11,987,900 |
| NEW CANEY | 22 | $30,302,200 |
CONROE accounts for 241 approvals against 168 in Spring. 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.
Montgomery County
How big is Montgomery County
- Land area1,042 sq mi
- Rank by land area among Texas counties64th of 254
- Width, east to west43.8 mi
- Height, north to south41.3 mi
- Geographies sharing a boundary6
- Residents per square mile of land657
- Establishments per square mile14.41
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.
Montgomery County
What hazards affect Montgomery County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book16
- Of those, participating in the NFIP16
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 5
- Communities carrying a CRS class2
The EPA places the county in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L. The best Community Rating System class in the county is 5, which carries a flood insurance premium discount for properties in the participating community.
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 Montgomery 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 Montgomery County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population684,432
- Households247,541
- Average household size2.76
- Median household income$97,701
- Median age37.2
Common questions
Montgomery County questions, answered from the record.
How many people live in Montgomery County, Texas?
684,432, in 247,541 households, ranking 11th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Montgomery County growing?
The population has grown 20.79 percent since the 2020 census base. In 2024 there were 8,596 births against 4,640 deaths, with net migration of 30,399. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Montgomery County?
$97,701. The median owner-occupied home is valued at $346,200, which is 3.5 times income, and median gross rent is $1,532 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Montgomery County?
15,014 establishments, employing 206,056 people with an annual payroll of $13.74 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Montgomery County?
Average annual pay is $70,262, or $1,351 a week, across 227,434 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Montgomery County?
890 7(a) approvals totalling $580.8 m since FY2020, across 131 lenders, with a median approval of $292,500, plus 131 504 approvals worth $170.3 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Montgomery County get paid back?
Of the 146 loans that have reached a final outcome, 132 were paid in full and 14 charged off, a charge off rate of 9.6 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Montgomery County?
13,246 housing units were authorised by permit in 2024, with a declared construction value of $3.52 bn. Multifamily was 12.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Montgomery 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 Montgomery County come from?
The largest single origin is Montgomery County Non-migrants, with 221,234 households. Arriving households report an average income of $94,176 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 Montgomery 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 Montgomery 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.