Wise County, Texas: commercial real estate data.
Wise County, Texas has a population of 75,005 across 904 square miles, up 18.4 percent since the 2020 census base. County output reached $4.25 bn in 2024, 1,604 establishments operate here, and the SBA record carries 79 7(a) approvals worth $62.1 m.
129 sourced county values · tier FULL · 12 sections
Wise County
How many people live in Wise County
- Population75,005
- Households25,135
- Average household size2.98
- Median household income$93,421
- Median age39.5
- Median gross rent$1,299 per month
- Median owner-occupied home value$304,900
- Home value to household income3.3 times
- Annual rent as a share of median income16.7 percent
- Adults 25 and over with a bachelor degree or higher22.1 percent
- Adults 25 and over with a graduate degree6.7 percent
- Adults 25 and over50,855
- Population under 1818,405
- Share under 1824.5 percent
- Population 65 and over11,658
- Share 65 and over15.5 percent
- Working age population, 18 to 6444,942
- Civilian labor force37,789
- Unemployment rate5.3 percent
- Labor force participation, adults 18 and over66.8 percent
- Rank by population among Texas counties51st of 254
- Rank by population among US county-equivalents754th
Wise County is the 51st largest of 254 Texas counties by population. A median home costs 3.3 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 24.5 percent against 15.5 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Wise County
Is Wise County growing
- Population change since the 2020 census base18.45 percent
- Census 2020 base population68,618
- Births, 2024872
- Deaths, 2024785
- Natural change, 202487
- Net domestic migration, 20243,058
- Net international migration, 202498
- Total net migration, 20243,156
- Cumulative net domestic migration, 2021 to 202411,894
- Rank by growth among US county-equivalents26th
The county has grown 18.45 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.
Wise County
Where people moving to Wise County come from
- Tax returns filed by households arriving3,203
- People arriving, from those returns6,805
- Adjusted gross income arriving$277.2 m
- Net adjusted gross income movement$0
- Average income of an arriving household$86,543
- Largest single originWise County Non-migrants (24,810 households)
- Largest single destination (24,810 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Wise County Non-migrants | 24,810 | 55,942 | $2.20 bn |
| Tarrant County | 1,086 | 2,372 | $84.4 m |
| Other flows - Different State | 570 | 1,125 | $70.1 m |
| Denton County | 511 | 1,119 | $44.8 m |
| Other flows - Same State | 411 | 822 | $32.0 m |
| Other flows - West | 239 | 518 | $21.2 m |
| Parker County | 222 | 542 | $15.8 m |
| Other flows - South | 206 | 361 | $38.4 m |
The largest single source of arrivals is Wise 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.
Wise County
What the Wise County economy runs on
- County GDP, 2024$4.25 bn
- County GDP, 2023$4.44 bn
- GDP change, 2023 to 2024-4.4 percent
- GDP change over five years53.5 percent
- Rank by GDP among Texas counties64th
- Rank by GDP among US county-equivalents779th
- GDP per resident$56,657
Output grew -4.4 percent in the latest year and 53.5 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.
Wise County
Who employs people in Wise County
- Covered employment, annual average21,209
- Establishments reporting1,654
- Average annual pay$59,376
- Average weekly wage$1,142
- Sector 31-33, employment2,751
- Sector 31-33, average annual pay$70,916
- Sector 44-45, employment2,477
- Sector 44-45, average annual pay$41,773
- Sector 23, employment2,336
- Sector 23, average annual pay$68,115
- Sector 72, employment2,090
- Sector 72, average annual pay$22,755
- Sector 62, employment1,942
- Sector 21, employment1,589
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 2,751 | 100 | $70,916 |
| Sector 44-45 | 2,477 | 167 | $41,773 |
| Sector 23 | 2,336 | 252 | $68,115 |
| Sector 72 | 2,090 | 115 | $22,755 |
| Sector 62 | 1,942 | 132 | $48,860 |
| Sector 21 | 1,589 | 68 | $88,697 |
| Sector 42 | 924 | 94 | $82,124 |
| Sector 48-49 | 831 | 80 | $80,195 |
The largest sector is the biggest private employer group at 2,751 jobs, 13.0 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.
Wise County
What businesses operate in Wise County
- Establishments, all industries1,604
- Employment at those establishments20,150
- Annual payroll$1.17 bn
- Establishments per 1,000 residents21.4
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.
Wise County
What is being built in Wise County
- Housing units authorised by permit, 2024463
- Declared construction value permitted$93.1 m
- Single family units authorised217
- Multifamily units authorised246
- Multifamily share of units53.1 percent
- Average declared value per unit$201,014
- Units authorised per 1,000 households18.4
Multifamily is 53.1 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Wise County
How much SBA lending happens in Wise County
- 7(a) approvals recorded79
- 7(a) gross approval dollars$62.1 m
- Average 7(a) approval$786,324
- Median 7(a) approval$320,000
- 10th percentile approval$15,000
- 90th percentile approval$3,151,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)678
- Jobs per approval8.6
- Distinct 7(a) lenders active43
- Distinct industries receiving approvals51
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer34.2 percent
- Loans on real estate terms27
- Loans on working capital terms, 120 months or shorter50
- Franchise loans22
- Franchise share of approvals27.8 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (8)
- Most active lenderWells Fargo Bank National Association (12)
- 504 approvals recorded8
- 504 gross approval dollars$9.4 m
- Average 504 approval$1,175,750
- Median 504 approval$1,345,000
- Distinct CDCs active4
- 504 jobs per approval13.8
- 504 jobs per million dollars approved11.7
- Most active CDCCapital Certified Development Corporation (3)
- 7(a) share of SBA approvals90.8 percent
- Combined SBA approval dollars$71.5 m
The average approval of $786,324 sits well above the median of $320,000, 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. 34.2 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.
Wise County
Do SBA loans in Wise County get paid back
- Loans with a final outcome recorded15
- Paid in full13
- Charged off2
- Charge off rate on resolved loans13.3 percent
- Status: Paid in full13
- Status: Cancelled10
- Status: Exempt from disclosure52
- Status: Charged off2
- Status: Committed, not yet disbursed2
Of the 15 loans that have reached a final outcome, 13.3 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Wise County
Which parts of Wise County get the lending
- Places in the county with recorded lending15
- Decatur, approvals32
- BRIDGEPORT, approvals12
- RHOME, approvals6
- NEWARK, approvals5
- PARADISE, approvals4
- ALVORD, approvals4
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Decatur | 32 | $30,807,600 |
| BRIDGEPORT | 12 | $12,777,900 |
| RHOME | 6 | $6,208,100 |
| NEWARK | 5 | $943,500 |
| PARADISE | 4 | $446,500 |
| ALVORD | 4 | $816,800 |
| Chico | 4 | $1,566,000 |
| AURORA | 3 | $712,600 |
Decatur accounts for 32 approvals against 12 in BRIDGEPORT. 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.
Wise County
How big is Wise County
- Land area904 sq mi
- Rank by land area among Texas counties134th of 254
- Width, east to west31.2 mi
- Height, north to south30.6 mi
- Geographies sharing a boundary6
- Residents per square mile of land83
- Establishments per square mile1.77
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.
Wise County
What hazards affect Wise County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book12
- Of those, participating in the NFIP12
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 7
- Communities carrying a CRS class1
The EPA places the county in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L. The best Community Rating System class in the county is 7, which carries a flood insurance premium discount for properties in the participating community.
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 Wise 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 Wise County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population75,005
- Households25,135
- Average household size2.98
- Median household income$93,421
- Median age39.5
Common questions
Wise County questions, answered from the record.
How many people live in Wise County, Texas?
75,005, in 25,135 households, ranking 51st of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Wise County growing?
The population has grown 18.45 percent since the 2020 census base. In 2024 there were 872 births against 785 deaths, with net migration of 3,156. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Wise County?
$93,421. The median owner-occupied home is valued at $304,900, which is 3.3 times income, and median gross rent is $1,299 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Wise County?
1,604 establishments, employing 20,150 people with an annual payroll of $1.17 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Wise County?
Average annual pay is $59,376, or $1,142 a week, across 21,209 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Wise County?
79 7(a) approvals totalling $62.1 m since FY2020, across 43 lenders, with a median approval of $320,000, plus 8 504 approvals worth $9.4 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Wise County get paid back?
Of the 15 loans that have reached a final outcome, 13 were paid in full and 2 charged off, a charge off rate of 13.3 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Wise County?
463 housing units were authorised by permit in 2024, with a declared construction value of $93.1 m. Multifamily was 53.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Wise 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 Wise County come from?
The largest single origin is Wise County Non-migrants, with 24,810 households. Arriving households report an average income of $86,543 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 Wise 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 Wise 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.