Stephens County, Texas: commercial real estate data.
Stephens County, Texas has a population of 9,351 across 897 square miles, up 4.1 percent since the 2020 census base. County output reached $489.0 m in 2024, 243 establishments operate here, and the SBA record carries 5 7(a) approvals worth $1.9 m.
107 sourced county values · tier FULL · 11 sections
Stephens County
How many people live in Stephens County
- Population9,351
- Households3,623
- Average household size2.58
- Median household income$58,008
- Median age42.0
- Median gross rent$846 per month
- Median owner-occupied home value$110,200
- Home value to household income1.9 times
- Annual rent as a share of median income17.5 percent
- Adults 25 and over with a bachelor degree or higher17.2 percent
- Adults 25 and over with a graduate degree6.0 percent
- Adults 25 and over6,429
- Population under 181,941
- Share under 1820.8 percent
- Population 65 and over1,904
- Share 65 and over20.4 percent
- Working age population, 18 to 645,506
- Civilian labor force4,166
- Unemployment rate5.4 percent
- Labor force participation, adults 18 and over56.2 percent
- Rank by population among Texas counties171st of 254
- Rank by population among US county-equivalents2538th
Stephens County is the 171st largest of 254 Texas counties by population. A median home costs 1.9 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 20.8 percent against 20.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Stephens County
Is Stephens County growing
- Population change since the 2020 census base4.13 percent
- Census 2020 base population9,099
- Births, 202488
- Deaths, 202484
- Natural change, 20244
- Net domestic migration, 202495
- Net international migration, 2024-3
- Total net migration, 202492
- Cumulative net domestic migration, 2021 to 2024544
- Rank by growth among US county-equivalents668th
The county has grown 4.13 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.
Stephens County
Where people moving to Stephens County come from
- Tax returns filed by households arriving265
- People arriving, from those returns507
- Adjusted gross income arriving$15.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$58,566
- Largest single originStephens County Non-migrants (2,812 households)
- Largest single destination (2,812 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Stephens County Non-migrants | 2,812 | 5,958 | $177.1 m |
| Other flows - Same State | 196 | 356 | $11.3 m |
| Other flows - Different State | 48 | 107 | $3.3 m |
| Other flows - West | 27 | 53 | $2.1 m |
| Eastland County | 21 | 44 | $890,000 |
| Other flows - South | 21 | 54 | $1.2 m |
The largest single source of arrivals is Stephens 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.
Stephens County
What the Stephens County economy runs on
- County GDP, 2024$489.0 m
- County GDP, 2023$484.8 m
- GDP change, 2023 to 20240.9 percent
- GDP change over five years39.8 percent
- Rank by GDP among Texas counties188th
- Rank by GDP among US county-equivalents2415th
- GDP per resident$52,298
Output grew 0.9 percent in the latest year and 39.8 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.
Stephens County
Who employs people in Stephens County
- Covered employment, annual average3,253
- Establishments reporting314
- Average annual pay$46,145
- Average weekly wage$887
- Sector 31-33, employment790
- Sector 31-33, average annual pay$41,352
- Sector 44-45, employment430
- Sector 44-45, average annual pay$31,610
- Sector 23, employment266
- Sector 23, average annual pay$56,891
- Sector 21, employment248
- Sector 21, average annual pay$73,040
- Sector 72, employment201
- Sector 62, employment165
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 790 | 19 | $41,352 |
| Sector 44-45 | 430 | 42 | $31,610 |
| Sector 23 | 266 | 37 | $56,891 |
| Sector 21 | 248 | 32 | $73,040 |
| Sector 72 | 201 | 19 | $17,135 |
| Sector 62 | 165 | 16 | $53,926 |
| Sector 52 | 143 | 15 | $71,166 |
| Sector 11 | 67 | 16 | $54,230 |
The largest sector is the biggest private employer group at 790 jobs, 24.3 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.
Stephens County
What businesses operate in Stephens County
- Establishments, all industries243
- Employment at those establishments2,374
- Annual payroll$98.2 m
- Establishments per 1,000 residents26.0
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.
Stephens County
What is being built in Stephens County
- Housing units authorised by permit, 20242
- Declared construction value permitted$315,400
- Single family units authorised2
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$157,700
- Units authorised per 1,000 households0.6
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Stephens County
How much SBA lending happens in Stephens County
- 7(a) approvals recorded5
- 7(a) gross approval dollars$1.9 m
- Average 7(a) approval$377,740
- Median 7(a) approval$318,700
- 10th percentile approval$80,500
- 90th percentile approval$1,050,000
- Largest single approval$1,050,000
- Jobs reported supported, 7(a)46
- Jobs per approval9.2
- Distinct 7(a) lenders active3
- Distinct industries receiving approvals4
- Median 7(a) term170 months
- Share of loans on real estate terms, 240 months or longer20.0 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter2
- Franchise loans1
- Franchise share of approvals20.0 percent
- Leading industry by approval countNursery, Garden Center, and Farm Supply Stores (2)
- Most active lenderClear Fork Bank National Association (2)
The average approval of $377,740 sits close to the median of $318,700, so lending here is fairly evenly sized rather than driven by a few large deals. Only 20.0 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.
Stephens County
Do SBA loans in Stephens County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Exempt from disclosure4
- Status: Paid in full1
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.
Stephens County
How big is Stephens County
- Land area897 sq mi
- Rank by land area among Texas counties153rd of 254
- Width, east to west30.3 mi
- Height, north to south30.5 mi
- Geographies sharing a boundary5
- Residents per square mile of land10
- Establishments per square mile0.27
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.
Stephens County
What hazards affect Stephens County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book2
- Of those, participating in the NFIP2
- 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.
- 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 Stephens 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 Stephens County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population9,351
- Households3,623
- Average household size2.58
- Median household income$58,008
- Median age42.0
Common questions
Stephens County questions, answered from the record.
How many people live in Stephens County, Texas?
9,351, in 3,623 households, ranking 171st of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Stephens County growing?
The population has grown 4.13 percent since the 2020 census base. In 2024 there were 88 births against 84 deaths, with net migration of 92. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Stephens County?
$58,008. The median owner-occupied home is valued at $110,200, which is 1.9 times income, and median gross rent is $846 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Stephens County?
243 establishments, employing 2,374 people with an annual payroll of $98.2 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 Stephens County?
Average annual pay is $46,145, or $887 a week, across 3,253 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Stephens County?
5 7(a) approvals totalling $1.9 m since FY2020, across 3 lenders, with a median approval of $318,700. These are approvals recorded in the release, not loans disbursed.
What is being built in Stephens County?
2 housing units were authorised by permit in 2024, with a declared construction value of $315,400. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Stephens 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 Stephens County come from?
The largest single origin is Stephens County Non-migrants, with 2,812 households. Arriving households report an average income of $58,566 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 Stephens 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 Stephens 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.