Clay County, Texas: commercial real estate data.
Clay County, Texas had an estimated 10,730 residents on July 1, 2024, up 5.0 percent since the 2020 census base of 10,217, across 1,089 square miles. County output reached $433.1 m in 2024, 162 establishments operate here, and the SBA record carries 11 7(a) approvals worth $7.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Clay County
How many people live in Clay County
- Population, American Community Survey 2020-202410,495
- Households4,289
- Average household size2.45
- Median household income$80,114
- Median age47.5
- Median gross rent$811 per month
- Median owner-occupied home value$171,500
- Home value to household income2.1 times
- Annual rent as a share of median income12.1 percent
- Adults 25 and over with a bachelor degree or higher22.4 percent
- Adults 25 and over with a graduate degree5.7 percent
- Adults 25 and over7,755
- Population under 182,038
- Share under 1819.4 percent
- Population 65 and over2,455
- Share 65 and over23.4 percent
- Working age population, 18 to 646,002
- Civilian labor force5,226
- Unemployment rate2.0 percent
- Labor force participation, adults 18 and over61.8 percent
- Rank by population among Texas counties161st of 254
- Rank by population among US county-equivalents, Puerto Rico included2454th of 3,222
Clay County is the 161st largest of 254 Texas counties by population. A median home costs 2.1 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 23.4 percent against 19.4 percent, which points demand at health care, services and single story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Clay County
Is Clay County's population growing?
- Population, July 1, 202410,730
- Census 2020 base population10,217
- Population change since the 2020 census base5.02 percent
- Population change, 2023 to 202436
- Births, 202498
- Deaths, 2024149
- Natural change, 2024-51
- Net domestic migration, 202477
- Net international migration, 202410
- Total net migration, 202487
- Cumulative net domestic migration, 2021 to 2024671
- Rank by growth among US county-equivalents526th of 3,144
The county has grown 5.02 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.
Clay County
Where are people moving to Clay County from?
- Tax returns filed by households arriving395
- People arriving, from those returns835
- Tax returns filed by households leaving293
- Net household movement102
- Adjusted gross income arriving$24.1 m
- Net adjusted gross income movement$9.8 m
- Average income of an arriving household$60,932
- Average income of a leaving household$48,625
- Largest single originWichita County (175 households)
- Largest single destinationWichita County (147 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Wichita County | 175 | 368 | $9.1 m |
| Montague County | 26 | 58 | $1.8 m |
| Tarrant County | 20 | 42 | $2.6 m |
Households arriving report $12,307 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 Wichita 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.
Clay County
What is the Clay County economy?
- County GDP, 2024$433.1 m
- County GDP, 2023$313.0 m
- GDP change, 2023 to 202438.4 percent
- GDP change over five years94.8 percent
- Rank by GDP among the Texas areas BEA publishes195th of 254
- Rank by GDP among the US county areas BEA publishes2490th of 3,127
- GDP per resident$41,271
Output grew 38.4 percent in the latest year and 94.8 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.
Clay County
Employment by industry in Clay County
- Covered employment, annual average1,621
- Establishments reporting198
- Average annual pay$48,729
- Average weekly wage$937
- Manufacturing, employment199
- Manufacturing, average annual pay$67,658
- Retail trade, employment187
- Retail trade, average annual pay$45,462
- Health care and social assistance, employment126
- Health care and social assistance, average annual pay$49,852
- Agriculture, forestry, fishing and hunting, employment72
- Agriculture, forestry, fishing and hunting, average annual pay$40,453
- Finance and insurance, employment52
- Construction, employment49
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 199 | 10 | $67,658 |
| Retail trade | 187 | 21 | $45,462 |
| Health care and social assistance | 126 | 10 | $49,852 |
| Agriculture, forestry, fishing and hunting | 72 | 27 | $40,453 |
| Finance and insurance | 52 | 17 | $64,773 |
| Construction | 49 | 12 | $62,480 |
| Other services, except public administration | 37 | 10 | $34,107 |
| Professional, scientific and technical services | 33 | 12 | $84,206 |
Manufacturing is the largest private sector at 199 jobs, 12.3 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Clay County
How many businesses are in Clay County?
- Establishments, all industries162
- Employment at those establishments1,108
- Annual payroll$50.9 m
- Establishments per 1,000 residents15.4
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. 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.
Clay County
Building permits in Clay County
- Housing units authorized by permit, 202414
- Declared construction value permitted$3.0 m
- Single family units authorized6
- Multifamily units authorized8
- Multifamily share of units57.1 percent
- Average declared value per unit$212,862
- Units authorized per 1,000 households3.3
Multifamily is 57.1 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Clay County
SBA loans in Clay County (7(a) and 504)
- 7(a) approvals recorded11
- 7(a) gross approval dollars$7.7 m
- Average 7(a) approval$700,755
- Median 7(a) approval$275,000
- Largest single approval$2,840,000
- Jobs reported supported, 7(a)52
- Jobs per approval4.7
- Distinct 7(a) lenders active9
- Distinct industries receiving approvals10
- Median 7(a) term300 months
- Share of loans on real estate terms, 240 months or longer54.5 percent
- Loans on real estate terms6
- Loans on working capital terms, 120 months or shorter4
- Franchise loans2
- Franchise share of approvals18.2 percent
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Clay County
SBA loan default and charge-off rates in Clay County
Do SBA loans in Clay County get paid back?
- Loans with a final outcome recorded1
- Paid in full0
- Charged off1
- Status: Charged off1
- Status: Exempt from disclosure7
- Status: Committed, not yet disbursed2
- Status: Cancelled1
Only 1 loan has 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.
Clay County
SBA lending by place in Clay County
- Borrower cities with recorded lending5
- Henrietta, approvals4
- Byers, approvals3
- Windthorst, approvals2
- Wichita Falls, approvals1
- Bellevue, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Henrietta | 4 | $4,880,900 |
| Byers | 3 | $200,400 |
| Windthorst | 2 | $2,347,000 |
| Wichita Falls | 1 | $275,000 |
| Bellevue | 1 | $5,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Clay County
How large is Clay County?
- Land area1,089 sq mi
- Rank by land area among Texas counties50th of 254
- Width, east to west28 mi
- Height, north to south47.7 mi
- Geographies sharing a boundary6
- Residents per square mile of land10
- Establishments per square mile0.15
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.
Clay County
Flood risk in Clay County
- Participation of the county's own NFIP community Clay County, unincorporated areasParticipating, community 480742
- Communities in the county in the NFIP Community Status Book4
- Of those, participating in the NFIP4
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Clay 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 Clay County (community 480742), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Clay 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. 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 Clay 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 Clay County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202410,495
- Households4,289
- Average household size2.45
- Median household income$80,114
- Median age47.5
Common questions
Clay County questions, answered from the record.
How many people live in Clay County, Texas?
The Census Bureau estimates 10,730 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 10,495, in 4,289 households, ranking 161st of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Clay County's population growing?
The population has grown 5.02 percent since the 2020 census base of 10,217, to 10,730 on July 1, 2024. In 2024 there were 98 births against 149 deaths, with net migration of 87. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Clay County?
$80,114. The median owner-occupied home is valued at $171,500, which is 2.1 times income, and median gross rent is $811 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Clay County?
162 establishments, employing 1,108 people with an annual payroll of $50.9 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 Clay County?
Manufacturing is the largest private sector at 199 jobs, 12.3 percent of covered employment. Covered employment averages 1,621 jobs at an average annual pay of $48,729, or $937 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Clay County?
11 7(a) approvals totaling $7.7 m since FY2020, across 9 lenders, with a median approval of $275,000. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Clay County?
14 housing units were authorized by permit in 2024, with a declared construction value of $3.0 m. Multifamily was 57.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Clay 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 Clay County come from?
The largest single origin is Wichita County, with 175 households. Arriving households report an average income of $60,932 against $48,625 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Clay 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 Clay 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.
Clay County
Cities and places in Clay.
7 Census places lie wholly or partly in Clay County. All 7 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 |
|---|---|---|---|---|
| Henrietta | city | 3,167 | 4 | Wholly in this county |
| Windthorst | town | 537 | 2 | 10.2 percent here, 89.8 percent Archer County |
| Dean | city | 536 | None recorded | Wholly in this county |
| Petrolia | city | 416 | None recorded | Wholly in this county |
| Byers | city | 393 | 3 | Wholly in this county |
| Bellevue | city | 359 | 1 | Wholly in this county |
| Jolly | city | 185 | None recorded | Wholly in this county |
A further 1 of the county's 11 SBA 7(a) approvals are to borrowers in cities that match no Census place in Clay County, the largest being Wichita Falls (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.