Terry County, Texas: commercial real estate data.
Terry County, Texas has a population of 11,629 across 889 square miles, down 1.9 percent since the 2020 census base. County output reached $610.2 m in 2024, 207 establishments operate here, and the SBA record carries 5 7(a) approvals worth $2.5 m.
118 sourced county values · tier FULL · 11 sections
Terry County
How many people live in Terry County
- Population11,629
- Households4,297
- Average household size2.71
- Median household income$44,100
- Median age37.0
- Median gross rent$817 per month
- Median owner-occupied home value$105,400
- Home value to household income2.4 times
- Annual rent as a share of median income22.2 percent
- Adults 25 and over with a bachelor degree or higher9.8 percent
- Adults 25 and over with a graduate degree2.7 percent
- Adults 25 and over7,428
- Population under 183,217
- Share under 1827.7 percent
- Population 65 and over1,882
- Share 65 and over16.2 percent
- Working age population, 18 to 646,530
- Civilian labor force4,942
- Unemployment rate4.5 percent
- Labor force participation, adults 18 and over58.7 percent
- Rank by population among Texas counties156th of 254
- Rank by population among US county-equivalents2380th
Terry County is the 156th 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 27.7 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.
Terry County
Is Terry County growing
- Population change since the 2020 census base-1.90 percent
- Census 2020 base population11,827
- Births, 2024187
- Deaths, 2024152
- Natural change, 202435
- Net domestic migration, 2024-65
- Net international migration, 202447
- Total net migration, 2024-18
- Cumulative net domestic migration, 2021 to 2024-439
- Rank by growth among US county-equivalents2478th
The county has lost 1.90 percent of its population since the 2020 census base. Births exceeded deaths in 2024 but more people left than arrived, so the population is being sustained internally rather than attracting.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Terry County
Where people moving to Terry County come from
- Tax returns filed by households arriving194
- People arriving, from those returns442
- Adjusted gross income arriving$8.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$45,082
- Largest single originTerry County Non-migrants (3,609 households)
- Largest single destination (3,609 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Terry County Non-migrants | 3,609 | 8,238 | $181.6 m |
| Other flows - Same State | 91 | 198 | $4.4 m |
| Lubbock County | 72 | 151 | $3.2 m |
| Gaines County | 31 | 93 | $1.1 m |
The largest single source of arrivals is Terry 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.
Terry County
What the Terry County economy runs on
- County GDP, 2024$610.2 m
- County GDP, 2023$670.7 m
- GDP change, 2023 to 2024-9.0 percent
- GDP change over five years30.4 percent
- Rank by GDP among Texas counties181st
- Rank by GDP among US county-equivalents2263rd
- GDP per resident$52,475
Output grew -9.0 percent in the latest year and 30.4 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.
Terry County
Who employs people in Terry County
- Covered employment, annual average3,115
- Establishments reporting365
- Average annual pay$48,669
- Average weekly wage$936
- Sector 44-45, employment401
- Sector 44-45, average annual pay$35,725
- Sector 11, employment304
- Sector 11, average annual pay$46,444
- Sector 42, employment247
- Sector 42, average annual pay$76,005
- Sector 31-33, employment213
- Sector 31-33, average annual pay$53,990
- Sector 62, employment212
- Sector 56, employment82
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 401 | 40 | $35,725 |
| Sector 11 | 304 | 94 | $46,444 |
| Sector 42 | 247 | 18 | $76,005 |
| Sector 31-33 | 213 | 19 | $53,990 |
| Sector 62 | 212 | 23 | $50,156 |
| Sector 56 | 82 | 10 | $49,985 |
| Sector 81 | 80 | 20 | $37,821 |
| Sector 54 | 79 | 15 | $47,752 |
The largest sector is the biggest private employer group at 401 jobs, 12.9 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.
Terry County
What businesses operate in Terry County
- Establishments, all industries207
- Employment at those establishments1,806
- Annual payroll$80.7 m
- Establishments per 1,000 residents17.8
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.
Terry County
What is being built in Terry County
- Housing units authorised by permit, 20242
- Declared construction value permitted$605,281
- Single family units authorised2
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$302,641
- Units authorised per 1,000 households0.5
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Terry County
How much SBA lending happens in Terry County
- 7(a) approvals recorded5
- 7(a) gross approval dollars$2.5 m
- Average 7(a) approval$505,360
- Median 7(a) approval$150,000
- 10th percentile approval$70,000
- 90th percentile approval$2,000,000
- Largest single approval$2,000,000
- Jobs reported supported, 7(a)112
- Jobs per approval22.4
- Distinct 7(a) lenders active4
- Distinct industries receiving approvals4
- Median 7(a) term120 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 shorter4
- Franchise loans1
- Franchise share of approvals20.0 percent
- Leading industry by approval countFarm Management Services (2)
- Most active lenderBayFirst National Bank (2)
- 504 approvals recorded1
- 504 gross approval dollars$2.1 m
- Average 504 approval$2,066,000
- Median 504 approval$2,066,000
- Distinct CDCs active1
- 504 jobs per approval20.0
- 504 jobs per million dollars approved9.7
- Most active CDCCapital Certified Development Corporation (1)
- 7(a) share of SBA approvals83.3 percent
- Combined SBA approval dollars$4.6 m
The average approval of $505,360 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 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. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Terry County
Do SBA loans in Terry County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Exempt from disclosure3
- Status: Cancelled1
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.
Terry County
How big is Terry County
- Land area889 sq mi
- Rank by land area among Texas counties163rd of 254
- Width, east to west30.1 mi
- Height, north to south29.7 mi
- Geographies sharing a boundary5
- Residents per square mile of land13
- Establishments per square mile0.23
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.
Terry County
What hazards affect Terry County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book3
- Of those, participating in the NFIP2
- NFIP participation rate66.7 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 Terry 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 Terry County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population11,629
- Households4,297
- Average household size2.71
- Median household income$44,100
- Median age37.0
Common questions
Terry County questions, answered from the record.
How many people live in Terry County, Texas?
11,629, in 4,297 households, ranking 156th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Terry County growing?
The population has fallen 1.90 percent since the 2020 census base. In 2024 there were 187 births against 152 deaths, with net migration of -18. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Terry County?
$44,100. The median owner-occupied home is valued at $105,400, which is 2.4 times income, and median gross rent is $817 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Terry County?
207 establishments, employing 1,806 people with an annual payroll of $80.7 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 Terry County?
Average annual pay is $48,669, or $936 a week, across 3,115 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Terry County?
5 7(a) approvals totalling $2.5 m since FY2020, across 4 lenders, with a median approval of $150,000, plus 1 504 approvals worth $2.1 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Terry County?
2 housing units were authorised by permit in 2024, with a declared construction value of $605,281. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Terry 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 Terry County come from?
The largest single origin is Terry County Non-migrants, with 3,609 households. Arriving households report an average income of $45,082 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 Terry 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 Terry 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.