Swisher County, Texas: commercial real estate data.
Swisher County, Texas has a population of 6,937 across 890 square miles, down 1.4 percent since the 2020 census base. County output reached $672.3 m in 2024, 125 establishments operate here, and the SBA record carries 4 7(a) approvals worth $1.1 m.
107 sourced county values · tier FULL · 12 sections
Swisher County
How many people live in Swisher County
- Population6,937
- Households2,383
- Average household size2.91
- Median household income$36,165
- Median age36.4
- Median gross rent$783 per month
- Median owner-occupied home value$86,300
- Home value to household income2.4 times
- Annual rent as a share of median income26.0 percent
- Adults 25 and over with a bachelor degree or higher15.5 percent
- Adults 25 and over with a graduate degree3.4 percent
- Adults 25 and over4,648
- Population under 181,660
- Share under 1823.9 percent
- Population 65 and over1,127
- Share 65 and over16.2 percent
- Working age population, 18 to 644,150
- Civilian labor force2,888
- Unemployment rate4.3 percent
- Labor force participation, adults 18 and over54.7 percent
- Rank by population among Texas counties186th of 254
- Rank by population among US county-equivalents2742nd
Swisher County is the 186th 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 under 18 outnumber those 65 and over, at 23.9 percent against 16.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Swisher County
Is Swisher County growing
- Population change since the 2020 census base-1.38 percent
- Census 2020 base population6,973
- Births, 202465
- Deaths, 202488
- Natural change, 2024-23
- Net domestic migration, 2024-54
- Net international migration, 202453
- Total net migration, 2024-1
- Cumulative net domestic migration, 2021 to 2024-107
- Rank by growth among US county-equivalents2323rd
The county has lost 1.38 percent of its population since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Swisher County
Where people moving to Swisher County come from
- Tax returns filed by households arriving130
- People arriving, from those returns284
- Adjusted gross income arriving$6.6 m
- Net adjusted gross income movement$0
- Average income of an arriving household$50,992
- Largest single originSwisher County Non-migrants (2,241 households)
- Largest single destination (2,241 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Swisher County Non-migrants | 2,241 | 4,904 | $123.2 m |
| Other flows - Same State | 75 | 153 | $2.8 m |
| Randall County | 35 | 81 | $2.8 m |
| Hale County | 20 | 50 | $1.1 m |
The largest single source of arrivals is Swisher 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.
Swisher County
What the Swisher County economy runs on
- County GDP, 2024$672.3 m
- County GDP, 2023$693.6 m
- GDP change, 2023 to 2024-3.1 percent
- GDP change over five years67.5 percent
- Rank by GDP among Texas counties172nd
- Rank by GDP among US county-equivalents2184th
- GDP per resident$96,909
Output grew -3.1 percent in the latest year and 67.5 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.
Swisher County
Who employs people in Swisher County
- Covered employment, annual average1,834
- Establishments reporting186
- Average annual pay$46,388
- Average weekly wage$892
- Sector 48-49, employment166
- Sector 48-49, average annual pay$54,114
- Sector 44-45, employment132
- Sector 44-45, average annual pay$32,852
- Sector 31-33, employment81
- Sector 31-33, average annual pay$50,211
- Sector 23, employment54
- Sector 23, average annual pay$40,457
- Sector 81, employment51
- Sector 62, employment45
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 48-49 | 166 | 13 | $54,114 |
| Sector 44-45 | 132 | 15 | $32,852 |
| Sector 31-33 | 81 | 7 | $50,211 |
| Sector 23 | 54 | 11 | $40,457 |
| Sector 81 | 51 | 16 | $34,531 |
| Sector 62 | 45 | 10 | $35,746 |
The largest sector is the biggest private employer group at 166 jobs, 9.1 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.
Swisher County
What businesses operate in Swisher County
- Establishments, all industries125
- Employment at those establishments855
- Annual payroll$32.4 m
- Establishments per 1,000 residents18.0
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.
Swisher County
What is being built in Swisher County
- Housing units authorised by permit, 20240
- Declared construction value permitted$0
- Single family units authorised0
- Multifamily units authorised0
No residential units were authorised by permit in 2024. In a small county this is common and is not by itself a sign of distress, but it does mean there is no recent residential pipeline to read demand from.
US Census Bureau, Building Permits Survey, 2024 annual.
Swisher County
How much SBA lending happens in Swisher County
- 7(a) approvals recorded4
- 7(a) gross approval dollars$1.1 m
- Average 7(a) approval$269,475
- Median 7(a) approval$252,900
- 10th percentile approval$10,000
- 90th percentile approval$615,000
- Largest single approval$615,000
- Jobs reported supported, 7(a)72
- Jobs per approval18.0
- Distinct 7(a) lenders active3
- Distinct industries receiving approvals3
- 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 shorter4
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countOffices of Certified Public Accountants (2)
- Most active lenderFirst United Bank (2)
The average approval of $269,475 sits close to the median of $252,900, so lending here is fairly evenly sized rather than driven by a few large deals. 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.
Swisher County
Do SBA loans in Swisher County get paid back
- Loans with a final outcome recorded2
- Paid in full2
- Charged off0
- Status: Exempt from disclosure2
- Status: Paid in full2
Too few loans have reached a final outcome to publish a charge off rate. only 2 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.
Swisher County
Which parts of Swisher County get the lending
- Places in the county with recorded lending2
- TULIA, approvals3
- HAPPY, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| TULIA | 3 | $825,000 |
| HAPPY | 1 | $252,900 |
TULIA accounts for 3 approvals against 1 in HAPPY. 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.
Swisher County
How big is Swisher County
- Land area890 sq mi
- Rank by land area among Texas counties162nd of 254
- Width, east to west30 mi
- Height, north to south30.1 mi
- Geographies sharing a boundary6
- Residents per square mile of land8
- Establishments per square mile0.14
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.
Swisher County
What hazards affect Swisher County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book4
- Of those, participating in the NFIP4
- 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.
- 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 Swisher 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 Swisher County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population6,937
- Households2,383
- Average household size2.91
- Median household income$36,165
- Median age36.4
Common questions
Swisher County questions, answered from the record.
How many people live in Swisher County, Texas?
6,937, in 2,383 households, ranking 186th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Swisher County growing?
The population has fallen 1.38 percent since the 2020 census base. In 2024 there were 65 births against 88 deaths, with net migration of -1. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Swisher County?
$36,165. The median owner-occupied home is valued at $86,300, which is 2.4 times income, and median gross rent is $783 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Swisher County?
125 establishments, employing 855 people with an annual payroll of $32.4 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 Swisher County?
Average annual pay is $46,388, or $892 a week, across 1,834 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Swisher County?
4 7(a) approvals totalling $1.1 m since FY2020, across 3 lenders, with a median approval of $252,900. These are approvals recorded in the release, not loans disbursed.
What is being built in Swisher County?
No residential units were authorised by permit in 2024. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Swisher 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 Swisher County come from?
The largest single origin is Swisher County Non-migrants, with 2,241 households. Arriving households report an average income of $50,992 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 Swisher 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 Swisher 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.