Oldham County, Texas: commercial real estate data.
Oldham County, Texas has a population of 2,249 across 1,501 square miles, up 3.7 percent since the 2020 census base. County output reached $404.5 m in 2024, 44 establishments operate here, and the SBA record carries 1 7(a) approvals worth $492,000.
99 sourced county values · tier FULL · 11 sections
Oldham County
How many people live in Oldham County
- Population2,249
- Households614
- Average household size3.66
- Median household income$79,900
- Median age31.4
- Median gross rent$1,111 per month
- Median owner-occupied home value$162,800
- Home value to household income2.0 times
- Annual rent as a share of median income16.7 percent
- Adults 25 and over with a bachelor degree or higher21.4 percent
- Adults 25 and over with a graduate degree5.1 percent
- Adults 25 and over1,270
- Population under 18867
- Share under 1838.6 percent
- Population 65 and over264
- Share 65 and over11.7 percent
- Working age population, 18 to 641,118
- Civilian labor force872
- Unemployment rate1.7 percent
- Labor force participation, adults 18 and over63.1 percent
- Rank by population among Texas counties231st of 254
- Rank by population among US county-equivalents3101st
Oldham County is the 231st largest of 254 Texas counties by population. A median home costs 2.0 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 38.6 percent against 11.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Oldham County
Is Oldham County growing
- Population change since the 2020 census base3.70 percent
- Census 2020 base population1,758
- Births, 202427
- Deaths, 202422
- Natural change, 20245
- Net domestic migration, 202412
- Net international migration, 202419
- Total net migration, 202431
- Cumulative net domestic migration, 2021 to 2024-14
- Rank by growth among US county-equivalents745th
The county has grown 3.70 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.
Oldham County
Where people moving to Oldham County come from
- Tax returns filed by households arriving56
- People arriving, from those returns118
- Adjusted gross income arriving$2.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$50,018
- Largest single originOldham County Non-migrants (705 households)
- Largest single destination (705 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Oldham County Non-migrants | 705 | 1,580 | $52.2 m |
| Other flows - Same State | 56 | 118 | $2.8 m |
The largest single source of arrivals is Oldham 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.
Oldham County
What the Oldham County economy runs on
- County GDP, 2024$404.5 m
- County GDP, 2023$427.2 m
- GDP change, 2023 to 2024-5.3 percent
- GDP change over five years32.6 percent
- Rank by GDP among Texas counties200th
- Rank by GDP among US county-equivalents2540th
- GDP per resident$179,838
Output grew -5.3 percent in the latest year and 32.6 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.
Oldham County
Who employs people in Oldham County
- Covered employment, annual average857
- Establishments reporting94
- Average annual pay$49,289
- Average weekly wage$948
- Sector 44-45, employment49
- Sector 44-45, average annual pay$28,484
- Sector 42, employment35
- Sector 42, average annual pay$80,707
- Sector 72, employment34
- Sector 72, average annual pay$25,865
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 49 | 9 | $28,484 |
| Sector 42 | 35 | 5 | $80,707 |
| Sector 72 | 34 | 7 | $25,865 |
The largest sector is the biggest private employer group at 49 jobs, 5.7 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.
Oldham County
What businesses operate in Oldham County
- Establishments, all industries44
- Employment at those establishments527
- Annual payroll$24.3 m
- Establishments per 1,000 residents19.6
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.
Oldham County
What is being built in Oldham County
- Housing units authorised by permit, 20240
- Declared construction value permitted$0
- Single family units authorised0
- Multifamily units authorised0
No residential units were authorised by permit in 2024. In a small county this is common and is not by itself a sign of distress, but it does mean there is no recent residential pipeline to read demand from.
US Census Bureau, Building Permits Survey, 2024 annual.
Oldham County
How much SBA lending happens in Oldham County
- 7(a) approvals recorded1
- 7(a) gross approval dollars$492,000
- Average 7(a) approval$492,000
- Median 7(a) approval$492,000
- 10th percentile approval$492,000
- 90th percentile approval$492,000
- Largest single approval$492,000
- Jobs reported supported, 7(a)6
- Jobs per approval6.0
- Distinct 7(a) lenders active1
- Distinct industries receiving approvals1
- Median 7(a) term300 months
- Share of loans on real estate terms, 240 months or longer100.0 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter0
- Franchise loans1
- Franchise share of approvals100.0 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (1)
- Most active lenderUS Metro Bank (1)
The average approval of $492,000 sits close to the median of $492,000, so lending here is fairly evenly sized rather than driven by a few large deals. 100.0 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.
Oldham County
Do SBA loans in Oldham County get paid back
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure1
Too few loans have reached a final outcome to publish a charge off rate. only 0 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.
Oldham County
How big is Oldham County
- Land area1,501 sq mi
- Rank by land area among Texas counties20th of 254
- Width, east to west49.6 mi
- Height, north to south30.7 mi
- Geographies sharing a boundary4
- Residents per square mile of land1
- Establishments per square mile0.03
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.
Oldham County
What hazards affect Oldham County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book2
- Of those, participating in the NFIP1
- NFIP participation rate50.0 percent
- Communities carrying a CRS class0
The EPA places the county in radon zone 2, a predicted average indoor radon screening level from 2 to 4 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.
- No 504 approvals recorded in this county in the FOIA release covering FY2010 onward.
- 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 Oldham 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 Oldham County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population2,249
- Households614
- Average household size3.66
- Median household income$79,900
- Median age31.4
Common questions
Oldham County questions, answered from the record.
How many people live in Oldham County, Texas?
2,249, in 614 households, ranking 231st of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Oldham County growing?
The population has grown 3.70 percent since the 2020 census base. In 2024 there were 27 births against 22 deaths, with net migration of 31. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Oldham County?
$79,900. The median owner-occupied home is valued at $162,800, which is 2.0 times income, and median gross rent is $1,111 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Oldham County?
44 establishments, employing 527 people with an annual payroll of $24.3 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 Oldham County?
Average annual pay is $49,289, or $948 a week, across 857 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Oldham County?
1 7(a) approvals totalling $492,000 since FY2020, across 1 lenders, with a median approval of $492,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Oldham County?
No residential units were authorised by permit in 2024. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Oldham County?
Zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Oldham County come from?
The largest single origin is Oldham County Non-migrants, with 705 households. Arriving households report an average income of $50,018 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 Oldham 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 Oldham 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.