Callahan County, Texas: commercial real estate data.
Callahan County, Texas had an estimated 14,615 residents on July 1, 2024, up 6.6 percent since the 2020 census base of 13,710, across 899 square miles. County output reached $552.7 m in 2024, 252 establishments operate here, and the SBA record carries 14 7(a) approvals worth $10.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Callahan County
How many people live in Callahan County
- Population, American Community Survey 2020-202414,241
- Households5,239
- Average household size2.72
- Median household income$72,436
- Median age44.1
- Median gross rent$817 per month
- Median owner-occupied home value$145,500
- Home value to household income2.0 times
- Annual rent as a share of median income13.5 percent
- Adults 25 and over with a bachelor degree or higher24.0 percent
- Adults 25 and over with a graduate degree6.5 percent
- Adults 25 and over10,018
- Population under 183,102
- Share under 1821.8 percent
- Population 65 and over2,985
- Share 65 and over21.0 percent
- Working age population, 18 to 648,154
- Civilian labor force6,848
- Unemployment rate4.7 percent
- Labor force participation, adults 18 and over61.5 percent
- Rank by population among Texas counties142nd of 254
- Rank by population among US county-equivalents, Puerto Rico included2209th of 3,222
Callahan County is the 142nd largest of 254 Texas counties by population. A median home costs 2.0 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 21.8 percent against 21.0 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Callahan County
Is Callahan County's population growing?
- Population, July 1, 202414,615
- Census 2020 base population13,710
- Population change since the 2020 census base6.60 percent
- Population change, 2023 to 2024160
- Births, 2024139
- Deaths, 2024173
- Natural change, 2024-34
- Net domestic migration, 2024189
- Net international migration, 20248
- Total net migration, 2024197
- Cumulative net domestic migration, 2021 to 20241,101
- Rank by growth among US county-equivalents341st of 3,144
The county has grown 6.60 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Callahan County
Where are people moving to Callahan County from?
- Tax returns filed by households arriving509
- People arriving, from those returns1,013
- Tax returns filed by households leaving447
- Net household movement62
- Adjusted gross income arriving$37.9 m
- Net adjusted gross income movement$15.3 m
- Average income of an arriving household$74,436
- Average income of a leaving household$50,421
- Largest single originTaylor County (229 households)
- Largest single destinationTaylor County (202 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Taylor County | 229 | 485 | $21.2 m |
Households arriving report $24,015 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Taylor County, 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.
Callahan County
What is the Callahan County economy?
- County GDP, 2024$552.7 m
- County GDP, 2023$524.6 m
- GDP change, 2023 to 20245.4 percent
- GDP change over five years75.1 percent
- Rank by GDP among the Texas areas BEA publishes184th of 254
- Rank by GDP among the US county areas BEA publishes2343rd of 3,127
- GDP per resident$38,813
Output grew 5.4 percent in the latest year and 75.1 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.
Callahan County
Employment by industry in Callahan County
- Covered employment, annual average2,971
- Establishments reporting340
- Average annual pay$52,912
- Average weekly wage$1,018
- Retail trade, employment575
- Retail trade, average annual pay$56,672
- Accommodation and food services, employment341
- Accommodation and food services, average annual pay$16,999
- Construction, employment308
- Construction, average annual pay$84,432
- Manufacturing, employment136
- Manufacturing, average annual pay$58,891
- Professional, scientific and technical services, employment108
- Wholesale trade, employment85
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 575 | 38 | $56,672 |
| Accommodation and food services | 341 | 26 | $16,999 |
| Construction | 308 | 46 | $84,432 |
| Manufacturing | 136 | 16 | $58,891 |
| Professional, scientific and technical services | 108 | 34 | $76,862 |
| Wholesale trade | 85 | 15 | $87,455 |
| Transportation and warehousing | 73 | 11 | $82,026 |
| Finance and insurance | 55 | 14 | $62,255 |
Retail trade is the largest private sector at 575 jobs, 19.4 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Callahan County
How many businesses are in Callahan County?
- Establishments, all industries252
- Employment at those establishments1,725
- Annual payroll$80.0 m
- Establishments per 1,000 residents17.7
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Callahan County
Building permits in Callahan County
- Housing units authorized by permit, 202411
- Declared construction value permitted$2.5 m
- Single family units authorized11
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$229,000
- Units authorized per 1,000 households2.1
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Callahan County
SBA loans in Callahan County (7(a) and 504)
- 7(a) approvals recorded14
- 7(a) gross approval dollars$10.5 m
- Average 7(a) approval$749,779
- Median 7(a) approval$400,000
- Largest single approval$3,707,300
- Jobs reported supported, 7(a)126
- Jobs per approval9.0
- Distinct 7(a) lenders active6
- Distinct industries receiving approvals9
- Median 7(a) term108 months
- Share of loans on real estate terms, 240 months or longer28.6 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter8
- Franchise loans2
- Franchise share of approvals14.3 percent
- Leading industry by approval countGeneral Freight Trucking, Local (3)
- Most active lenderFirst National Bank and Trust Company of Weatherford d/b/a First Bank Texas (8)
- 504 approvals recorded2
- 504 gross approval dollars$2.2 m
- Average 504 approval$1,106,500
- Median 504 approval$1,106,500
- Distinct CDCs active1
- 504 jobs per approval7.5
- 504 jobs per million dollars approved6.8
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$12.7 m
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.
Callahan County
SBA loan default and charge-off rates in Callahan County
Do SBA loans in Callahan County get paid back?
- Loans with a final outcome recorded7
- Paid in full7
- Charged off0
- Status: Cancelled1
- Status: Paid in full7
- Status: Exempt from disclosure6
Only 7 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Callahan County
SBA lending by place in Callahan County
- Borrower cities with recorded lending3
- Clyde, approvals9
- Abilene, approvals3
- Baird, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Clyde | 9 | $4,739,600 |
| Abilene | 3 | $4,902,300 |
| Baird | 2 | $855,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Callahan County
How large is Callahan County?
- Land area899 sq mi
- Rank by land area among Texas counties150th of 254
- Width, east to west30.3 mi
- Height, north to south30.1 mi
- Geographies sharing a boundary6
- Residents per square mile of land16
- Establishments per square mile0.28
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.
Callahan County
Flood risk in Callahan County
- Participation of the county's own NFIP community Callahan County, unincorporated areasParticipating, community 480720
- Communities in the county in the NFIP Community Status Book5
- Of those, participating in the NFIP3
- NFIP participation rate60.0 percent
- Communities carrying a CRS class0
- Radon levels in Callahan County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The county's own community in the status book, unincorporated Callahan County (community 480720), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Callahan County in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 60.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, 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 →
Feasibility studies
When a Callahan 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 Callahan County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202414,241
- Households5,239
- Average household size2.72
- Median household income$72,436
- Median age44.1
Common questions
Callahan County questions, answered from the record.
How many people live in Callahan County, Texas?
The Census Bureau estimates 14,615 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 14,241, in 5,239 households, ranking 142nd of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Callahan County's population growing?
The population has grown 6.60 percent since the 2020 census base of 13,710, to 14,615 on July 1, 2024. In 2024 there were 139 births against 173 deaths, with net migration of 197. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Callahan County?
$72,436. The median owner-occupied home is valued at $145,500, which is 2.0 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 in Callahan County?
252 establishments, employing 1,725 people with an annual payroll of $80.0 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Callahan County?
Retail trade is the largest private sector at 575 jobs, 19.4 percent of covered employment. Covered employment averages 2,971 jobs at an average annual pay of $52,912, or $1,018 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Callahan County?
14 7(a) approvals totaling $10.5 m since FY2020, across 6 lenders, with a median approval of $400,000, plus 2 504 approvals worth $2.2 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Callahan County?
11 housing units were authorized by permit in 2024, with a declared construction value of $2.5 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Callahan 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 Callahan County come from?
The largest single origin is Taylor County, with 229 households. Arriving households report an average income of $74,436 against $50,421 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Callahan 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 Callahan County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Callahan County
Cities and places in Callahan.
4 Census places lie wholly or partly in Callahan County. All 4 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Clyde | city | 3,954 | 9 | Wholly in this county |
| Baird | city | 1,642 | 2 | Wholly in this county |
| Cross Plains | town | 1,019 | None recorded | Wholly in this county |
| Putnam | town | 9 | None recorded | Wholly in this county |
A further 3 of the county's 14 SBA 7(a) approvals are to borrowers in cities that match no Census place in Callahan County, the largest being Abilene (3). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby