HomeTexasCaldwell CountyLockhart
Lockhart, Texas: commercial real estate data.
Lockhart is a Census city of 15,326 people across 16.22 square miles of land, in Caldwell County. Median household income is $68,400, 67.0 percent of occupied homes are owned, and the SBA record carries 12 7(a) approvals to borrowers here worth $9.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Lockhart
What Lockhart is
- Census place typecity
- Land area16.22 sq mi
- Water area0.03 sq mi
- Population per square mile of land945
- County holding the largest share of its areaCaldwell County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lockhart
How many people live in Lockhart
- Population15,326
- Median age39.0
- Population under 182,977
- Share under 1819.4 percent
- Population 65 and over2,580
- Share 65 and over16.8 percent
- Households5,437
- Family households3,451
- Share of households that are families63.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lockhart
Income and work in Lockhart
- Median household income$68,400
- Per capita income$30,208
- Civilian labor force7,224
- Employed7,060
- Unemployed164 plus or minus 117
- Unemployment rate2.3 percent plus or minus 1.6
- Adults 25 and over10,783
- Adults 25 and over with a high school diploma or higher87.0 percent
- Adults 25 and over with a bachelor degree or higher21.2 percent
- Adults 25 and over with a graduate degree4.9 percent plus or minus 1.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lockhart
Housing in Lockhart
- Housing units5,865
- Occupied units5,437
- Vacant units428 plus or minus 190
- Vacancy rate7.3 percent plus or minus 3.2
- Owner occupied3,645
- Renter occupied1,792
- Ownership rate67.0 percent
- Median owner-occupied home value$251,600
- Median gross rent, monthly$1,152
- Annual rent as a share of median income20.2 percent
- Single family units4,258
- Share single family72.6 percent
- Units in buildings of two or more1,268 plus or minus 311
- Share in buildings of two or more21.6 percent plus or minus 5.1
- Mobile homes339 plus or minus 148
- Median year structure built1986
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lockhart
How Lockhart gets to work
- Workers 16 and over who commute6,173
- Commuting under 15 minutes2,196 plus or minus 446
- Share commuting under 15 minutes35.6 percent
- Commuting 30 minutes or more2,897
- Share commuting 30 minutes or more46.9 percent
- Drove alone78.3 percent
- Carpooled8.4 percent plus or minus 2.6
- Public transport0.0 percent
- Walked0.1 percent plus or minus 0.2
- Worked from home10.3 percent plus or minus 3.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lockhart
SBA loans in Lockhart (7(a))
- Approvals12
- Gross approval$9,289,000
- Average approval$774,083
- Median approval$493,000
- Largest approval$3,350,000
- Jobs supported175
- Jobs per approval14.6
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term123 months
- Share on real estate terms of 20 years or more33.3 percent
- Share to franchises33.3 percent
- Distinct lenders11
- Distinct industries by NAICS11
Counted by borrower city: approvals to borrowers whose address is in Lockhart, in any county, FY2020 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Lockhart
SBA loans in Lockhart (504)
- Approvals3
- Gross approval$1,797,000
- Average approval$599,000
- Median approval$591,000
- Largest approval$992,000
- Jobs supported16
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Lockhart, in any county, FY2010 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Lockhart
Flood risk in Lockhart
- NFIP communityCity of Lockhart
- NFIP community number480095
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date06/10/26
The City of Lockhart participates in the National Flood Insurance Program as community 480095 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Caldwell County, not Lockhart
Caldwell County context, not Lockhart figures
- Establishments in Caldwell County733
- Covered employment, Caldwell County10,350
- Average annual pay, Caldwell County$52,985
- Housing units permitted, Caldwell County529
Every figure in this section is published for Caldwell County as a whole and is not a measurement of Lockhart.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Lockhart questions, answered from the record.
How many people live in Lockhart, Texas?
15,326, in 5,437 households. Lockhart city covers 16.22 square miles of land, which is 945 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Lockhart in?
Caldwell County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Lockhart?
$68,400. The median owner-occupied home is valued at $251,600. Median gross rent is $1,152 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Lockhart businesses?
12 7(a) approvals totaling $9.3 m since FY2020, across 11 lenders, median approval $493,000, plus 3 504 approvals worth $1.8 m since FY2010. These count approvals to borrowers whose address is in Lockhart, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Lockhart borrowers get paid back?
No rate is published for Lockhart. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Lockhart in the National Flood Insurance Program?
Yes. Lockhart appears in the FEMA Community Status Book as Lockhart, city of, community 480095, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Lockhart figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Caldwell County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Lockhart.
Is zoning published for Lockhart?
No. Nothing on this page presents parcel level zoning.
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