Sherman County, Texas: commercial real estate data.
Sherman County, Texas has a population of 2,295 across 923 square miles, down 0.5 percent since the 2020 census base. County output reached $657.9 m in 2024, 60 establishments operate here, and the SBA record carries 3 7(a) approvals worth $2.6 m.
102 sourced county values · tier FULL · 10 sections
Sherman County
How many people live in Sherman County
- Population2,295
- Households843
- Average household size2.72
- Median household income$61,250
- Median age39.7
- Median gross rent$835 per month
- Median owner-occupied home value$146,900
- Home value to household income2.4 times
- Annual rent as a share of median income16.4 percent
- Adults 25 and over with a bachelor degree or higher30.2 percent
- Adults 25 and over with a graduate degree10.3 percent
- Adults 25 and over1,532
- Population under 18399
- Share under 1817.4 percent
- Population 65 and over422
- Share 65 and over18.4 percent
- Working age population, 18 to 641,474
- Civilian labor force1,192
- Unemployment rate1.9 percent
- Labor force participation, adults 18 and over62.9 percent
- Rank by population among Texas counties230th of 254
- Rank by population among US county-equivalents3097th
Sherman County is the 230th largest of 254 Texas counties by population. A median home costs 2.4 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 18.4 percent against 17.4 percent, which points demand at health care, services and single storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Sherman County
Is Sherman County growing
- Population change since the 2020 census base-0.47 percent
- Census 2020 base population2,784
- Births, 202448
- Deaths, 202430
- Natural change, 202418
- Net domestic migration, 202414
- Net international migration, 202430
- Total net migration, 202444
- Cumulative net domestic migration, 2021 to 2024-139
- Rank by growth among US county-equivalents2013th
The county has lost 0.47 percent of its population 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.
Sherman County
Where people moving to Sherman County come from
- Tax returns filed by households arriving68
- People arriving, from those returns143
- Adjusted gross income arriving$3.6 m
- Net adjusted gross income movement$0
- Average income of an arriving household$53,676
- Largest single originSherman County Non-migrants (854 households)
- Largest single destination (854 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Sherman County Non-migrants | 854 | 2,041 | $60.6 m |
| Other flows - Same State | 45 | 93 | $2.7 m |
| Other flows - Different State | 23 | 50 | $980,000 |
| Other flows - South | 23 | 50 | $980,000 |
The largest single source of arrivals is Sherman 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.
Sherman County
What the Sherman County economy runs on
- County GDP, 2024$657.9 m
- County GDP, 2023$744.1 m
- GDP change, 2023 to 2024-11.6 percent
- GDP change over five years86.9 percent
- Rank by GDP among Texas counties177th
- Rank by GDP among US county-equivalents2203rd
- GDP per resident$286,651
Output grew -11.6 percent in the latest year and 86.9 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.
Sherman County
Who employs people in Sherman County
- Covered employment, annual average1,132
- Establishments reporting137
- Average annual pay$54,301
- Average weekly wage$1,044
- Sector 11, employment509
- Sector 11, average annual pay$58,642
- Sector 44-45, employment119
- Sector 44-45, average annual pay$42,873
- Sector 48-49, employment52
- Sector 48-49, average annual pay$94,504
- Sector 31-33, employment30
- Sector 31-33, average annual pay$49,291
- Sector 23, employment21
- Sector 99, employment14
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 11 | 509 | 36 | $58,642 |
| Sector 44-45 | 119 | 11 | $42,873 |
| Sector 48-49 | 52 | 6 | $94,504 |
| Sector 31-33 | 30 | 3 | $49,291 |
| Sector 23 | 21 | 6 | $69,196 |
| Sector 99 | 14 | 7 | $49,289 |
| Sector 54 | 13 | 8 | $39,382 |
| Sector 56 | 10 | 4 | $69,388 |
The largest sector is the biggest private employer group at 509 jobs, 45.0 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.
Sherman County
What businesses operate in Sherman County
- Establishments, all industries60
- Employment at those establishments436
- Annual payroll$19.5 m
- Establishments per 1,000 residents26.1
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.
Sherman County
What is being built in Sherman County
- Housing units authorised by permit, 202417
- Declared construction value permitted$1.9 m
- Single family units authorised17
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$109,006
- Units authorised per 1,000 households20.2
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Sherman County
How much SBA lending happens in Sherman County
- 7(a) approvals recorded3
- 7(a) gross approval dollars$2.6 m
- Average 7(a) approval$868,633
- Median 7(a) approval$150,000
- 10th percentile approval$55,900
- 90th percentile approval$2,400,000
- Largest single approval$2,400,000
- Jobs reported supported, 7(a)66
- Jobs per approval22.0
- Distinct 7(a) lenders active2
- Distinct industries receiving approvals2
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer0.0 percent
- Loans on real estate terms0
- Loans on working capital terms, 120 months or shorter3
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countFarm Supplies Merchant Wholesalers (2)
- Most active lenderBayFirst National Bank (2)
The average approval of $868,633 sits well above the median of $150,000, 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 0.0 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.
Sherman County
Do SBA loans in Sherman County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Exempt from disclosure2
Too few loans have reached a final outcome to publish a charge off rate. only 1 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.
Sherman County
How big is Sherman County
- Land area923 sq mi
- Rank by land area among Texas counties107th of 254
- Width, east to west30 mi
- Height, north to south30.7 mi
- Geographies sharing a boundary3
- Residents per square mile of land2
- Establishments per square mile0.07
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.
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.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- 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 Sherman 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 Sherman County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population2,295
- Households843
- Average household size2.72
- Median household income$61,250
- Median age39.7
Common questions
Sherman County questions, answered from the record.
How many people live in Sherman County, Texas?
2,295, in 843 households, ranking 230th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Sherman County growing?
The population has fallen 0.47 percent since the 2020 census base. In 2024 there were 48 births against 30 deaths, with net migration of 44. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Sherman County?
$61,250. The median owner-occupied home is valued at $146,900, which is 2.4 times income, and median gross rent is $835 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Sherman County?
60 establishments, employing 436 people with an annual payroll of $19.5 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 Sherman County?
Average annual pay is $54,301, or $1,044 a week, across 1,132 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Sherman County?
3 7(a) approvals totalling $2.6 m since FY2020, across 2 lenders, with a median approval of $150,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Sherman County?
17 housing units were authorised by permit in 2024, with a declared construction value of $1.9 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Sherman 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 Sherman County come from?
The largest single origin is Sherman County Non-migrants, with 854 households. Arriving households report an average income of $53,676 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 Sherman 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 Sherman 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.