Rockwall County, Texas: commercial real estate data.
Rockwall County, Texas has a population of 123,617 across 127 square miles, up 27.0 percent since the 2020 census base. County output reached $7.87 bn in 2024, 2,986 establishments operate here, and the SBA record carries 198 7(a) approvals worth $140.7 m.
129 sourced county values · tier FULL · 12 sections
Rockwall County
How many people live in Rockwall County
- Population123,617
- Households41,237
- Average household size3.00
- Median household income$127,981
- Median age37.5
- Median gross rent$1,992 per month
- Median owner-occupied home value$415,500
- 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 higher44.5 percent
- Adults 25 and over with a graduate degree15.6 percent
- Adults 25 and over80,968
- Population under 1832,755
- Share under 1826.5 percent
- Population 65 and over15,613
- Share 65 and over12.6 percent
- Working age population, 18 to 6475,249
- Civilian labor force66,399
- Unemployment rate4.3 percent
- Labor force participation, adults 18 and over73.1 percent
- Rank by population among Texas counties38th of 254
- Rank by population among US county-equivalents528th
Rockwall County is the 38th 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 26.5 percent against 12.6 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Rockwall County
Is Rockwall County growing
- Population change since the 2020 census base27.03 percent
- Census 2020 base population107,884
- Births, 20241,382
- Deaths, 2024859
- Natural change, 2024523
- Net domestic migration, 20244,531
- Net international migration, 2024387
- Total net migration, 20244,918
- Cumulative net domestic migration, 2021 to 202424,881
- Rank by growth among US county-equivalents2nd
The county has grown 27.03 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.
Rockwall County
Where people moving to Rockwall County come from
- Tax returns filed by households arriving6,567
- People arriving, from those returns14,261
- Adjusted gross income arriving$657.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$100,129
- Largest single originRockwall County Non-migrants (38,665 households)
- Largest single destination (38,665 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Rockwall County Non-migrants | 38,665 | 90,466 | $5.90 bn |
| Dallas County | 2,286 | 4,727 | $216.7 m |
| Other flows - Different State | 1,186 | 2,736 | $128.2 m |
| Collin County | 819 | 1,806 | $71.3 m |
| Other flows - Same State | 433 | 899 | $40.5 m |
| Other flows - South | 431 | 899 | $37.7 m |
| Other flows - West | 402 | 1,019 | $55.9 m |
| Kaufman County | 358 | 845 | $35.7 m |
The largest single source of arrivals is Rockwall 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.
Rockwall County
What the Rockwall County economy runs on
- County GDP, 2024$7.87 bn
- County GDP, 2023$7.39 bn
- GDP change, 2023 to 20246.5 percent
- GDP change over five years71.6 percent
- Rank by GDP among Texas counties41st
- Rank by GDP among US county-equivalents532nd
- GDP per resident$63,632
Output grew 6.5 percent in the latest year and 71.6 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.
Rockwall County
Who employs people in Rockwall County
- Covered employment, annual average41,550
- Establishments reporting3,378
- Average annual pay$56,941
- Average weekly wage$1,095
- Sector 72, employment6,584
- Sector 72, average annual pay$24,318
- Sector 44-45, employment6,303
- Sector 44-45, average annual pay$41,337
- Sector 62, employment5,857
- Sector 62, average annual pay$67,032
- Sector 23, employment3,195
- Sector 23, average annual pay$79,873
- Sector 31-33, employment2,877
- Sector 54, employment2,694
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 72 | 6,584 | 265 | $24,318 |
| Sector 44-45 | 6,303 | 302 | $41,337 |
| Sector 62 | 5,857 | 421 | $67,032 |
| Sector 23 | 3,195 | 396 | $79,873 |
| Sector 31-33 | 2,877 | 111 | $74,234 |
| Sector 54 | 2,694 | 530 | $87,652 |
| Sector 56 | 1,914 | 230 | $52,731 |
| Sector 81 | 1,814 | 236 | $43,515 |
The largest sector is the biggest private employer group at 6,584 jobs, 15.8 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.
Rockwall County
What businesses operate in Rockwall County
- Establishments, all industries2,986
- Employment at those establishments35,020
- Annual payroll$1.81 bn
- Establishments per 1,000 residents24.2
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.
Rockwall County
What is being built in Rockwall County
- Housing units authorised by permit, 20241,810
- Declared construction value permitted$549.8 m
- Single family units authorised1,810
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$303,750
- Units authorised per 1,000 households43.9
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Rockwall County
How much SBA lending happens in Rockwall County
- 7(a) approvals recorded198
- 7(a) gross approval dollars$140.7 m
- Average 7(a) approval$710,357
- Median 7(a) approval$304,200
- 10th percentile approval$50,000
- 90th percentile approval$1,810,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)3,063
- Jobs per approval15.5
- Distinct 7(a) lenders active82
- Distinct industries receiving approvals93
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer20.2 percent
- Loans on real estate terms40
- Loans on working capital terms, 120 months or shorter140
- Franchise loans47
- Franchise share of approvals23.7 percent
- Leading industry by approval countFull-Service Restaurants (18)
- Most active lenderSouthState Bank, National Association (15)
- 504 approvals recorded34
- 504 gross approval dollars$46.0 m
- Average 504 approval$1,352,559
- Median 504 approval$1,081,000
- Distinct CDCs active5
- 504 jobs per approval22.0
- 504 jobs per million dollars approved16.3
- Most active CDCGreater East Texas Certified Development Company (13)
- 7(a) share of SBA approvals85.3 percent
- Combined SBA approval dollars$186.6 m
The average approval of $710,357 sits well above the median of $304,200, 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 20.2 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.
Rockwall County
Do SBA loans in Rockwall County get paid back
- Loans with a final outcome recorded33
- Paid in full31
- Charged off2
- Charge off rate on resolved loans6.1 percent
- Status: Paid in full31
- Status: Charged off2
- Status: Exempt from disclosure132
- Status: Cancelled22
- Status: Committed, not yet disbursed11
Of the 33 loans that have reached a final outcome, 6.1 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.
Rockwall County
Which parts of Rockwall County get the lending
- Places in the county with recorded lending8
- ROCKWALL, approvals118
- Royse City, approvals40
- FATE, approvals18
- Rowlett, approvals9
- HEATH, approvals9
- FORNEY, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| ROCKWALL | 118 | $94,330,900 |
| Royse City | 40 | $14,926,100 |
| FATE | 18 | $12,304,900 |
| Rowlett | 9 | $8,689,000 |
| HEATH | 9 | $6,794,600 |
| FORNEY | 2 | $360,000 |
| Josephine | 1 | $2,673,100 |
| WYLIE | 1 | $572,000 |
ROCKWALL accounts for 118 approvals against 40 in Royse City. 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.
Rockwall County
How big is Rockwall County
- Land area127 sq mi
- Rank by land area among Texas counties254th of 254
- Width, east to west12.9 mi
- Height, north to south11.6 mi
- Geographies sharing a boundary4
- Residents per square mile of land973
- Establishments per square mile23.51
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.
Rockwall County
What hazards affect Rockwall County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book10
- Of those, participating in the NFIP10
- 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 3
- 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 3, 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 Rockwall 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 Rockwall County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population123,617
- Households41,237
- Average household size3.00
- Median household income$127,981
- Median age37.5
Common questions
Rockwall County questions, answered from the record.
How many people live in Rockwall County, Texas?
123,617, in 41,237 households, ranking 38th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Rockwall County growing?
The population has grown 27.03 percent since the 2020 census base. In 2024 there were 1,382 births against 859 deaths, with net migration of 4,918. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Rockwall County?
$127,981. The median owner-occupied home is valued at $415,500, which is 3.2 times income, and median gross rent is $1,992 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Rockwall County?
2,986 establishments, employing 35,020 people with an annual payroll of $1.81 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 Rockwall County?
Average annual pay is $56,941, or $1,095 a week, across 41,550 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Rockwall County?
198 7(a) approvals totalling $140.7 m since FY2020, across 82 lenders, with a median approval of $304,200, plus 34 504 approvals worth $46.0 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Rockwall County get paid back?
Of the 33 loans that have reached a final outcome, 31 were paid in full and 2 charged off, a charge off rate of 6.1 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Rockwall County?
1,810 housing units were authorised by permit in 2024, with a declared construction value of $549.8 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Rockwall 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 Rockwall County come from?
The largest single origin is Rockwall County Non-migrants, with 38,665 households. Arriving households report an average income of $100,129 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 Rockwall 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 Rockwall 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.