Potter County, Texas: commercial real estate data.
Potter County, Texas has a population of 115,975 across 908 square miles, down 3.3 percent since the 2020 census base. County output reached $11.38 bn in 2024, 3,489 establishments operate here, and the SBA record carries 57 7(a) approvals worth $50.8 m.
124 sourced county values · tier FULL · 12 sections
Potter County
How many people live in Potter County
- Population115,975
- Households42,581
- Average household size2.72
- Median household income$53,249
- Median age35.1
- Median gross rent$1,022 per month
- Median owner-occupied home value$147,300
- Home value to household income2.8 times
- Annual rent as a share of median income23.0 percent
- Adults 25 and over with a bachelor degree or higher18.6 percent
- Adults 25 and over with a graduate degree5.8 percent
- Adults 25 and over74,421
- Population under 1830,966
- Share under 1826.7 percent
- Population 65 and over16,611
- Share 65 and over14.3 percent
- Working age population, 18 to 6468,398
- Civilian labor force51,868
- Unemployment rate3.8 percent
- Labor force participation, adults 18 and over61.0 percent
- Rank by population among Texas counties40th of 254
- Rank by population among US county-equivalents547th
Potter County is the 40th largest of 254 Texas counties by population. A median home costs 2.8 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 26.7 percent against 14.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Potter County
Is Potter County growing
- Population change since the 2020 census base-3.30 percent
- Census 2020 base population118,557
- Births, 20241,623
- Deaths, 20241,342
- Natural change, 2024281
- Net domestic migration, 2024-1,912
- Net international migration, 2024995
- Total net migration, 2024-917
- Cumulative net domestic migration, 2021 to 2024-6,697
- Rank by growth among US county-equivalents2791st
The county has lost 3.30 percent of its population since the 2020 census base. Births exceeded deaths in 2024 but more people left than arrived, so the population is being sustained internally rather than attracting.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Potter County
Where people moving to Potter County come from
- Tax returns filed by households arriving3,848
- People arriving, from those returns7,162
- Adjusted gross income arriving$218.4 m
- Net adjusted gross income movement$0
- Average income of an arriving household$56,768
- Largest single originPotter County Non-migrants (37,925 households)
- Largest single destination (37,925 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Potter County Non-migrants | 37,925 | 79,295 | $2.75 bn |
| Randall County | 1,912 | 3,640 | $131.7 m |
| Other flows - Different State | 786 | 1,475 | $37.1 m |
| Other flows - Same State | 576 | 1,011 | $23.2 m |
| Other flows - West | 389 | 752 | $19.4 m |
| Other flows - South | 207 | 369 | $8.9 m |
| Other flows - Midwest | 154 | 297 | $7.4 m |
| Lubbock County | 107 | 176 | $3.8 m |
The largest single source of arrivals is Potter 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.
Potter County
What the Potter County economy runs on
- County GDP, 2024$11.38 bn
- County GDP, 2023$10.92 bn
- GDP change, 2023 to 20244.2 percent
- GDP change over five years25.3 percent
- Rank by GDP among Texas counties32nd
- Rank by GDP among US county-equivalents398th
- GDP per resident$98,110
Output grew 4.2 percent in the latest year and 25.3 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.
Potter County
Who employs people in Potter County
- Covered employment, annual average77,805
- Establishments reporting4,057
- Average annual pay$59,781
- Average weekly wage$1,150
- Sector 62, employment12,764
- Sector 62, average annual pay$65,881
- Sector 72, employment8,260
- Sector 72, average annual pay$23,237
- Sector 44-45, employment7,928
- Sector 44-45, average annual pay$38,100
- Sector 31-33, employment7,292
- Sector 31-33, average annual pay$60,289
- Sector 23, employment4,096
- Sector 54, employment3,508
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 12,764 | 553 | $65,881 |
| Sector 72 | 8,260 | 396 | $23,237 |
| Sector 44-45 | 7,928 | 470 | $38,100 |
| Sector 31-33 | 7,292 | 144 | $60,289 |
| Sector 23 | 4,096 | 371 | $64,048 |
| Sector 54 | 3,508 | 394 | $78,291 |
| Sector 42 | 3,471 | 211 | $94,346 |
| Sector 52 | 3,031 | 250 | $94,664 |
The largest sector is the biggest private employer group at 12,764 jobs, 16.4 percent of covered employment. Average pay per job exceeds median household income, which usually means single earner households and a wage base that can carry rent.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Potter County
What businesses operate in Potter County
- Establishments, all industries3,489
- Employment at those establishments61,818
- Annual payroll$3.55 bn
- Establishments per 1,000 residents30.1
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.
Potter County
What is being built in Potter County
- Housing units authorised by permit, 20241,214
- Declared construction value permitted$254.9 m
- Single family units authorised562
- Multifamily units authorised652
- Multifamily share of units53.7 percent
- Average declared value per unit$209,991
- Units authorised per 1,000 households28.5
Multifamily is 53.7 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Potter County
How much SBA lending happens in Potter County
- 7(a) approvals recorded57
- 7(a) gross approval dollars$50.8 m
- Average 7(a) approval$891,772
- Median 7(a) approval$250,000
- 10th percentile approval$30,000
- 90th percentile approval$3,870,000
- Largest single approval$4,657,300
- Jobs reported supported, 7(a)1,414
- Jobs per approval24.8
- Distinct 7(a) lenders active29
- Distinct industries receiving approvals38
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer19.3 percent
- Loans on real estate terms11
- Loans on working capital terms, 120 months or shorter39
- Franchise loans17
- Franchise share of approvals29.8 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (5)
- Most active lenderThe Huntington National Bank (6)
- 504 approvals recorded38
- 504 gross approval dollars$39.0 m
- Average 504 approval$1,025,816
- Median 504 approval$452,000
- Distinct CDCs active7
- 504 jobs per approval9.9
- 504 jobs per million dollars approved9.6
- Most active CDCTexas Panhandle Regional Development Corporation (26)
- 7(a) share of SBA approvals60.0 percent
- Combined SBA approval dollars$89.8 m
The average approval of $891,772 sits well above the median of $250,000, 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 19.3 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.
Potter County
Do SBA loans in Potter County get paid back
- Loans with a final outcome recorded11
- Paid in full10
- Charged off1
- Charge off rate on resolved loans9.1 percent
- Status: Exempt from disclosure39
- Status: Paid in full10
- Status: Charged off1
- Status: Cancelled7
Of the 11 loans that have reached a final outcome, 9.1 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.
Potter County
Which parts of Potter County get the lending
- Places in the county with recorded lending3
- AMARILLO, approvals54
- Bushland, approvals2
- Amarillo., approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| AMARILLO | 54 | $45,609,300 |
| Bushland | 2 | $564,400 |
| Amarillo. | 1 | $4,657,300 |
AMARILLO accounts for 54 approvals against 2 in Bushland. 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.
Potter County
How big is Potter County
- Land area908 sq mi
- Rank by land area among Texas counties129th of 254
- Width, east to west30.7 mi
- Height, north to south30.2 mi
- Geographies sharing a boundary4
- Residents per square mile of land128
- Establishments per square mile3.84
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.
Potter County
What hazards affect Potter County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book3
- Of those, participating in the NFIP3
- NFIP participation rate100.0 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.
- 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 Potter 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 Potter County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population115,975
- Households42,581
- Average household size2.72
- Median household income$53,249
- Median age35.1
Common questions
Potter County questions, answered from the record.
How many people live in Potter County, Texas?
115,975, in 42,581 households, ranking 40th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Potter County growing?
The population has fallen 3.30 percent since the 2020 census base. In 2024 there were 1,623 births against 1,342 deaths, with net migration of -917. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Potter County?
$53,249. The median owner-occupied home is valued at $147,300, which is 2.8 times income, and median gross rent is $1,022 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Potter County?
3,489 establishments, employing 61,818 people with an annual payroll of $3.55 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 Potter County?
Average annual pay is $59,781, or $1,150 a week, across 77,805 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Potter County?
57 7(a) approvals totalling $50.8 m since FY2020, across 29 lenders, with a median approval of $250,000, plus 38 504 approvals worth $39.0 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Potter County get paid back?
Of the 11 loans that have reached a final outcome, 10 were paid in full and 1 charged off, a charge off rate of 9.1 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Potter County?
1,214 housing units were authorised by permit in 2024, with a declared construction value of $254.9 m. Multifamily was 53.7 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Potter 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 Potter County come from?
The largest single origin is Potter County Non-migrants, with 37,925 households. Arriving households report an average income of $56,768 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 Potter 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 Potter 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.