Chambers County, Texas: commercial real estate data.
Chambers County, Texas had an estimated 56,179 residents on July 1, 2024, up 20.7 percent since the 2020 census base of 46,543, across 597 square miles. County output reached $3.74 bn in 2024, 809 establishments operate here, and the SBA record carries 55 7(a) approvals worth $49.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Chambers County
How many people live in Chambers County
- Population, American Community Survey 2020-202451,498
- Households17,229
- Average household size2.99
- Median household income$109,804
- Median age35.1
- Median gross rent$1,609 per month
- Median owner-occupied home value$329,500
- Home value to household income3.0 times
- Annual rent as a share of median income17.6 percent
- Adults 25 and over with a bachelor degree or higher21.9 percent
- Adults 25 and over with a graduate degree5.5 percent
- Adults 25 and over32,652
- Population under 1814,126
- Share under 1827.4 percent
- Population 65 and over6,491
- Share 65 and over12.6 percent
- Working age population, 18 to 6430,881
- Civilian labor force25,419
- Unemployment rate7.3 percent
- Labor force participation, adults 18 and over68.0 percent
- Rank by population among Texas counties70th of 254
- Rank by population among US county-equivalents, Puerto Rico included995th of 3,222
Chambers County is the 70th largest of 254 Texas counties by population. A median home costs 3.0 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 27.4 percent against 12.6 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Chambers County
Is Chambers County's population growing?
- Population, July 1, 202456,179
- Census 2020 base population46,543
- Population change since the 2020 census base20.70 percent
- Population change, 2023 to 20241,986
- Births, 2024668
- Deaths, 2024340
- Natural change, 2024328
- Net domestic migration, 20241,434
- Net international migration, 2024235
- Total net migration, 20241,669
- Cumulative net domestic migration, 2021 to 20247,484
- Rank by growth among US county-equivalents16th of 3,144
The county has grown 20.70 percent since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Chambers County
Where are people moving to Chambers County from?
- Tax returns filed by households arriving2,241
- People arriving, from those returns4,810
- Tax returns filed by households leaving1,515
- Net household movement726
- Adjusted gross income arriving$171.4 m
- Net adjusted gross income movement$65.8 m
- Average income of an arriving household$76,469
- Average income of a leaving household$69,680
- Largest single originHarris County (1,171 households)
- Largest single destinationHarris County (645 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Harris County | 1,171 | 2,448 | $91.5 m |
| Liberty County | 145 | 322 | $9.3 m |
| Jefferson County | 136 | 305 | $9.7 m |
| Galveston County | 91 | 191 | $7.9 m |
| Brazoria County | 46 | 109 | $4.4 m |
| Montgomery County | 32 | 78 | $2.2 m |
| Hardin County | 26 | 54 | $1.3 m |
| Fort Bend County | 21 | 40 | $1.3 m |
Households arriving report $6,789 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 Harris 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.
Chambers County
What is the Chambers County economy?
- County GDP, 2024$3.74 bn
- County GDP, 2023$3.85 bn
- GDP change, 2023 to 2024-2.8 percent
- GDP change over five years38.9 percent
- Rank by GDP among the Texas areas BEA publishes69th of 254
- Rank by GDP among the US county areas BEA publishes855th of 3,127
- GDP per resident$72,629
Output grew -2.8 percent in the latest year and 38.9 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.
Chambers County
Employment by industry in Chambers County
- Covered employment, annual average22,140
- Establishments reporting930
- Average annual pay$76,934
- Average weekly wage$1,480
- Transportation and warehousing, employment3,755
- Transportation and warehousing, average annual pay$89,049
- Manufacturing, employment3,480
- Manufacturing, average annual pay$119,262
- Accommodation and food services, employment2,097
- Accommodation and food services, average annual pay$24,087
- Construction, employment2,001
- Construction, average annual pay$84,990
- Retail trade, employment1,491
- Other services, except public administration, employment1,224
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Transportation and warehousing | 3,755 | 76 | $89,049 |
| Manufacturing | 3,480 | 57 | $119,262 |
| Accommodation and food services | 2,097 | 115 | $24,087 |
| Construction | 2,001 | 65 | $84,990 |
| Retail trade | 1,491 | 124 | $40,182 |
| Other services, except public administration | 1,224 | 58 | $113,380 |
| Administrative and support and waste management services | 645 | 51 | $63,054 |
| Mining, quarrying, and oil and gas extraction | 617 | 21 | $93,082 |
Transportation and warehousing is the largest private sector at 3,755 jobs, 17.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Chambers County
How many businesses are in Chambers County?
- Establishments, all industries809
- Employment at those establishments15,806
- Annual payroll$1.09 bn
- Establishments per 1,000 residents15.7
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.
Chambers County
Building permits in Chambers County
- Housing units authorized by permit, 2024646
- Declared construction value permitted$174.9 m
- Single family units authorized642
- Multifamily units authorized4
- Multifamily share of units0.6 percent
- Average declared value per unit$270,672
- Units authorized per 1,000 households37.5
Single-family homes are 99.4 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Chambers County
SBA loans in Chambers County (7(a) and 504)
- 7(a) approvals recorded55
- 7(a) gross approval dollars$49.7 m
- Average 7(a) approval$904,109
- Median 7(a) approval$291,100
- 10th percentile approval$50,000
- 90th percentile approval$2,602,000
- Largest single approval$4,935,000
- Jobs reported supported, 7(a)543
- Jobs per approval9.9
- Distinct 7(a) lenders active31
- Distinct industries receiving approvals36
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer20.0 percent
- Loans on real estate terms11
- Loans on working capital terms, 120 months or shorter42
- Franchise loans15
- Franchise share of approvals27.3 percent
- Leading industry by approval countLimited-Service Restaurants (5)
- 504 approvals recorded18
- 504 gross approval dollars$22.0 m
- Average 504 approval$1,223,167
- Median 504 approval$780,000
- Distinct CDCs active9
- 504 jobs per approval9.2
- 504 jobs per million dollars approved7.5
- Most active CDCCapital Certified Development Corporation (4)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$71.7 m
The average approval of $904,109 sits well above the median of $291,100, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here 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.
Chambers County
SBA loan default and charge-off rates in Chambers County
Do SBA loans in Chambers County get paid back?
- Loans with a final outcome recorded5
- Paid in full3
- Charged off2
- Status: Exempt from disclosure40
- Status: Cancelled6
- Status: Paid in full3
- Status: Charged off2
- Status: Committed, not yet disbursed4
Only 5 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.
Chambers County
SBA lending by place in Chambers County
- Borrower cities with recorded lending7
- Baytown, approvals22
- Mont Belvieu, approvals17
- Winnie, approvals7
- Anahuac, approvals4
- Wallisville, approvals2
- Cove, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Baytown | 22 | $16,471,000 |
| Mont Belvieu | 17 | $8,722,000 |
| Winnie | 7 | $21,378,500 |
| Anahuac | 4 | $283,000 |
| Wallisville | 2 | $1,909,000 |
| Cove | 2 | $812,500 |
| Katy | 1 | $150,000 |
Baytown accounts for 22 approvals against 17 in Mont Belvieu. 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.
Chambers County
How large is Chambers County?
- Land area597 sq mi
- Rank by land area among Texas counties229th of 254
- Width, east to west37.7 mi
- Height, north to south25.2 mi
- Geographies sharing a boundary4
- Residents per square mile of land86
- Establishments per square mile1.36
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.
Chambers County
Flood risk in Chambers County
- Participation of the county's own NFIP community Chambers County, unincorporated areasParticipating, community 480119
- Community Rating System class of the county's own communityClass 7
- Communities in the county in the NFIP Community Status Book7
- Of those, participating in the NFIP7
- 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 5
- Communities carrying a CRS class6
- Radon levels in Chambers 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 Chambers County (community 480119), participates in the National Flood Insurance Program and carries Community Rating System class 7, a flood insurance premium discount for policies written there. The EPA places Chambers 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. The best Community Rating System class among the county's communities is 5, which carries a flood insurance premium discount for policies written in that community. 100.0 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 Chambers 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 Chambers County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202451,498
- Households17,229
- Average household size2.99
- Median household income$109,804
- Median age35.1
Common questions
Chambers County questions, answered from the record.
How many people live in Chambers County, Texas?
The Census Bureau estimates 56,179 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 51,498, in 17,229 households, ranking 70th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Chambers County's population growing?
The population has grown 20.70 percent since the 2020 census base of 46,543, to 56,179 on July 1, 2024. In 2024 there were 668 births against 340 deaths, with net migration of 1,669. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Chambers County?
$109,804. The median owner-occupied home is valued at $329,500, which is 3.0 times income, and median gross rent is $1,609 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Chambers County?
809 establishments, employing 15,806 people with an annual payroll of $1.09 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Chambers County?
Transportation and warehousing is the largest private sector at 3,755 jobs, 17.0 percent of covered employment. Covered employment averages 22,140 jobs at an average annual pay of $76,934, or $1,480 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Chambers County?
55 7(a) approvals totaling $49.7 m since FY2020, across 31 lenders, with a median approval of $291,100, plus 18 504 approvals worth $22.0 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Chambers County?
646 housing units were authorized by permit in 2024, with a declared construction value of $174.9 m. Multifamily was 0.6 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Chambers 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 Chambers County come from?
The largest single origin is Harris County, with 1,171 households. Arriving households report an average income of $76,469 against $69,680 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Chambers 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 Chambers 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.
Chambers County
Cities and places in Chambers.
9 Census places lie wholly or partly in Chambers County. All 9 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 |
|---|---|---|---|---|
| Baytown | city | 85,205 | 22 | 9.8 percent here, 90.2 percent Harris County |
| Mont Belvieu | city | 9,020 | 17 | Wholly in this county |
| Beach City | city | 3,309 | None recorded | Wholly in this county |
| Winnie | CDP | 3,290 | 7 | Wholly in this county |
| Anahuac | city | 2,892 | 4 | Wholly in this county |
| Old River-Winfree | city | 2,448 | None recorded | 96.2 percent here, 3.8 percent Liberty County |
| Stowell | CDP | 1,823 | None recorded | Wholly in this county |
| Cove | city | 378 | 2 | Wholly in this county |
| Oak Island | CDP | 354 | None recorded | Wholly in this county |
A further 3 of the county's 55 SBA 7(a) approvals are to borrowers in cities that match no Census place in Chambers County, the largest being Wallisville (2), Katy (1). 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