Shelby County, Texas: commercial real estate data.
Shelby County, Texas has a population of 24,155 across 796 square miles, up 0.2 percent since the 2020 census base. County output reached $1.99 bn in 2024, 531 establishments operate here, and the SBA record carries 38 7(a) approvals worth $62.0 m.
126 sourced county values · tier FULL · 12 sections
Shelby County
How many people live in Shelby County
- Population24,155
- Households9,366
- Average household size2.58
- Median household income$49,776
- Median age39.3
- Median gross rent$781 per month
- Median owner-occupied home value$101,500
- Home value to household income2.0 times
- Annual rent as a share of median income18.8 percent
- Adults 25 and over with a bachelor degree or higher15.1 percent
- Adults 25 and over with a graduate degree4.0 percent
- Adults 25 and over15,894
- Population under 186,280
- Share under 1826.0 percent
- Population 65 and over4,457
- Share 65 and over18.5 percent
- Working age population, 18 to 6413,418
- Civilian labor force10,495
- Unemployment rate4.1 percent
- Labor force participation, adults 18 and over58.7 percent
- Rank by population among Texas counties104th of 254
- Rank by population among US county-equivalents1695th
Shelby County is the 104th 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 26.0 percent against 18.5 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Shelby County
Is Shelby County growing
- Population change since the 2020 census base0.22 percent
- Census 2020 base population24,140
- Births, 2024341
- Deaths, 2024350
- Natural change, 2024-9
- Net domestic migration, 2024-45
- Net international migration, 2024-12
- Total net migration, 2024-57
- Cumulative net domestic migration, 2021 to 2024230
- Rank by growth among US county-equivalents1744th
The county has grown 0.22 percent since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Shelby County
Where people moving to Shelby County come from
- Tax returns filed by households arriving484
- People arriving, from those returns1,016
- Adjusted gross income arriving$24.9 m
- Net adjusted gross income movement$0
- Average income of an arriving household$51,467
- Largest single originShelby County Non-migrants (8,235 households)
- Largest single destination (8,235 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Shelby County Non-migrants | 8,235 | 18,332 | $510.6 m |
| Other flows - Same State | 218 | 480 | $13.0 m |
| Other flows - Different State | 130 | 254 | $7.0 m |
| Other flows - South | 92 | 188 | $5.0 m |
| Nacogdoches County | 72 | 144 | $2.4 m |
| Other flows - West | 38 | 66 | $2.0 m |
| Harris County | 33 | 66 | $1.2 m |
| Panola County | 31 | 72 | $1.3 m |
The largest single source of arrivals is Shelby 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.
Shelby County
What the Shelby County economy runs on
- County GDP, 2024$1.99 bn
- County GDP, 2023$1.84 bn
- GDP change, 2023 to 20248.3 percent
- GDP change over five years90.7 percent
- Rank by GDP among Texas counties109th
- Rank by GDP among US county-equivalents1289th
- GDP per resident$82,284
Output grew 8.3 percent in the latest year and 90.7 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.
Shelby County
Who employs people in Shelby County
- Covered employment, annual average8,678
- Establishments reporting611
- Average annual pay$51,298
- Average weekly wage$987
- Sector 31-33, employment2,011
- Sector 31-33, average annual pay$51,943
- Sector 44-45, employment966
- Sector 44-45, average annual pay$32,362
- Sector 21, employment571
- Sector 21, average annual pay$87,004
- Sector 52, employment531
- Sector 52, average annual pay$66,359
- Sector 23, employment451
- Sector 11, employment442
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 2,011 | 18 | $51,943 |
| Sector 44-45 | 966 | 80 | $32,362 |
| Sector 21 | 571 | 26 | $87,004 |
| Sector 52 | 531 | 44 | $66,359 |
| Sector 23 | 451 | 51 | $59,324 |
| Sector 11 | 442 | 60 | $46,354 |
| Sector 48-49 | 377 | 42 | $73,986 |
| Sector 42 | 314 | 20 | $57,095 |
The largest sector is the biggest private employer group at 2,011 jobs, 23.2 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.
Shelby County
What businesses operate in Shelby County
- Establishments, all industries531
- Employment at those establishments7,070
- Annual payroll$320.5 m
- Establishments per 1,000 residents22.0
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.
Shelby County
What is being built in Shelby County
- Housing units authorised by permit, 20244
- Declared construction value permitted$615,000
- Single family units authorised4
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$153,750
- Units authorised per 1,000 households0.4
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Shelby County
How much SBA lending happens in Shelby County
- 7(a) approvals recorded38
- 7(a) gross approval dollars$62.0 m
- Average 7(a) approval$1,630,284
- Median 7(a) approval$1,340,000
- 10th percentile approval$336,000
- 90th percentile approval$2,961,000
- Largest single approval$3,583,000
- Jobs reported supported, 7(a)216
- Jobs per approval5.7
- Distinct 7(a) lenders active14
- Distinct industries receiving approvals10
- Median 7(a) term240 months
- Share of loans on real estate terms, 240 months or longer50.0 percent
- Loans on real estate terms19
- Loans on working capital terms, 120 months or shorter4
- Franchise loans4
- Franchise share of approvals10.5 percent
- Leading industry by approval countBroilers and Other Meat Type Chicken Production (20)
- Most active lenderFirst Financial Bank (15)
- 504 approvals recorded4
- 504 gross approval dollars$5.4 m
- Average 504 approval$1,350,500
- Median 504 approval$1,290,000
- Distinct CDCs active2
- 504 jobs per approval13.0
- 504 jobs per million dollars approved9.6
- Most active CDCGreater East Texas Certified Development Company (3)
- 7(a) share of SBA approvals90.5 percent
- Combined SBA approval dollars$67.4 m
The average approval of $1,630,284 sits close to the median of $1,340,000, 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.
Shelby County
Do SBA loans in Shelby County get paid back
- Loans with a final outcome recorded4
- Paid in full4
- Charged off0
- Status: Exempt from disclosure27
- Status: Paid in full4
- Status: Cancelled5
- Status: Committed, not yet disbursed2
Too few loans have reached a final outcome to publish a charge off rate. only 4 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.
Shelby County
Which parts of Shelby County get the lending
- Places in the county with recorded lending6
- CENTER, approvals18
- TIMPSON, approvals8
- JOAQUIN, approvals6
- Shelbyville, approvals3
- TENAHA, approvals2
- BROWNWOOD, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| CENTER | 18 | $27,837,200 |
| TIMPSON | 8 | $16,821,800 |
| JOAQUIN | 6 | $8,345,800 |
| Shelbyville | 3 | $3,675,000 |
| TENAHA | 2 | $4,243,000 |
| BROWNWOOD | 1 | $1,028,000 |
CENTER accounts for 18 approvals against 8 in TIMPSON. 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.
Shelby County
How big is Shelby County
- Land area796 sq mi
- Rank by land area among Texas counties198th of 254
- Width, east to west41.1 mi
- Height, north to south28.3 mi
- Geographies sharing a boundary5
- Residents per square mile of land30
- Establishments per square mile0.67
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.
Shelby County
What hazards affect Shelby County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book6
- Of those, participating in the NFIP6
- 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 Shelby 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 Shelby County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population24,155
- Households9,366
- Average household size2.58
- Median household income$49,776
- Median age39.3
Common questions
Shelby County questions, answered from the record.
How many people live in Shelby County, Texas?
24,155, in 9,366 households, ranking 104th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Shelby County growing?
The population has grown 0.22 percent since the 2020 census base. In 2024 there were 341 births against 350 deaths, with net migration of -57. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Shelby County?
$49,776. The median owner-occupied home is valued at $101,500, which is 2.0 times income, and median gross rent is $781 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Shelby County?
531 establishments, employing 7,070 people with an annual payroll of $320.5 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 Shelby County?
Average annual pay is $51,298, or $987 a week, across 8,678 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Shelby County?
38 7(a) approvals totalling $62.0 m since FY2020, across 14 lenders, with a median approval of $1,340,000, plus 4 504 approvals worth $5.4 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Shelby County?
4 housing units were authorised by permit in 2024, with a declared construction value of $615,000. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Shelby 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 Shelby County come from?
The largest single origin is Shelby County Non-migrants, with 8,235 households. Arriving households report an average income of $51,467 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 Shelby 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 Shelby 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.