Comal County, Texas: commercial real estate data.
Comal County, Texas had an estimated 201,628 residents on July 1, 2024, up 24.9 percent since the 2020 census base of 161,466, across 559 square miles. County output reached $12.08 bn in 2024, 4,951 establishments operate here, and the SBA record carries 277 7(a) approvals worth $144.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Comal County
How many people live in Comal County
- Population, American Community Survey 2020-2024183,826
- Households71,354
- Average household size2.58
- Median household income$101,889
- Median age41.8
- Median gross rent$1,603 per month
- Median owner-occupied home value$427,200
- Home value to household income4.2 times
- Annual rent as a share of median income18.9 percent
- Adults 25 and over with a bachelor degree or higher43.4 percent
- Adults 25 and over with a graduate degree15.0 percent
- Adults 25 and over129,685
- Population under 1840,643
- Share under 1822.1 percent
- Population 65 and over34,386
- Share 65 and over18.7 percent
- Working age population, 18 to 64108,797
- Civilian labor force92,240
- Unemployment rate3.9 percent
- Labor force participation, adults 18 and over64.4 percent
- Rank by population among Texas counties27th of 254
- Rank by population among US county-equivalents, Puerto Rico included371st of 3,222
Comal County is the 27th largest of 254 Texas counties by population. A median home costs 4.2 times median household income, which is seriously unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 22.1 percent against 18.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Comal County
Is Comal County's population growing?
- Population, July 1, 2024201,628
- Census 2020 base population161,466
- Population change since the 2020 census base24.87 percent
- Population change, 2023 to 20247,531
- Births, 20241,882
- Deaths, 20241,631
- Natural change, 2024251
- Net domestic migration, 20247,081
- Net international migration, 2024217
- Total net migration, 20247,298
- Cumulative net domestic migration, 2021 to 202436,965
- Rank by growth among US county-equivalents6th of 3,144
The county has grown 24.87 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.
Comal County
Where are people moving to Comal County from?
- Tax returns filed by households arriving10,169
- People arriving, from those returns20,441
- Tax returns filed by households leaving6,859
- Net household movement3,310
- Adjusted gross income arriving$1.16 bn
- Net adjusted gross income movement$596.6 m
- Average income of an arriving household$113,849
- Average income of a leaving household$81,814
- Largest single originBexar County (2,323 households)
- Largest single destinationBexar County (1,506 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Bexar County | 2,323 | 4,685 | $242.7 m |
| Guadalupe County | 1,191 | 2,499 | $118.9 m |
| Hays County | 698 | 1,239 | $84.7 m |
| Travis County | 625 | 1,112 | $73.1 m |
| Harris County | 352 | 664 | $77.6 m |
| Williamson County | 246 | 502 | $26.4 m |
| Los Angeles County | 138 | 281 | $16.8 m |
| Kendall County | 117 | 224 | $14.5 m |
Households arriving report $32,035 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 Bexar 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.
Comal County
What is the Comal County economy?
- County GDP, 2024$12.08 bn
- County GDP, 2023$11.06 bn
- GDP change, 2023 to 20249.3 percent
- GDP change over five years59.2 percent
- Rank by GDP among the Texas areas BEA publishes30th of 254
- Rank by GDP among the US county areas BEA publishes383rd of 3,127
- GDP per resident$65,738
Output grew 9.3 percent in the latest year and 59.2 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.
Comal County
Employment by industry in Comal County
- Covered employment, annual average76,434
- Establishments reporting5,146
- Average annual pay$58,057
- Average weekly wage$1,116
- Retail trade, employment10,358
- Retail trade, average annual pay$43,955
- Accommodation and food services, employment9,499
- Accommodation and food services, average annual pay$26,194
- Construction, employment8,173
- Construction, average annual pay$71,456
- Health care and social assistance, employment8,122
- Health care and social assistance, average annual pay$57,859
- Administrative and support and waste management services, employment4,831
- Transportation and warehousing, employment4,603
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 10,358 | 493 | $43,955 |
| Accommodation and food services | 9,499 | 433 | $26,194 |
| Construction | 8,173 | 670 | $71,456 |
| Health care and social assistance | 8,122 | 519 | $57,859 |
| Administrative and support and waste management services | 4,831 | 339 | $46,746 |
| Transportation and warehousing | 4,603 | 130 | $55,631 |
| Manufacturing | 4,206 | 192 | $64,639 |
| Wholesale trade | 3,686 | 256 | $104,355 |
Retail trade is the largest private sector at 10,358 jobs, 13.6 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Comal County
How many businesses are in Comal County?
- Establishments, all industries4,951
- Employment at those establishments65,657
- Annual payroll$3.26 bn
- Establishments per 1,000 residents26.9
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.
Comal County
Building permits in Comal County
- Housing units authorized by permit, 20243,430
- Declared construction value permitted$819.0 m
- Single family units authorized2,263
- Multifamily units authorized1,167
- Multifamily share of units34.0 percent
- Average declared value per unit$238,787
- Units authorized per 1,000 households48.1
Single-family homes are 66.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Comal County
SBA loans in Comal County (7(a) and 504)
- 7(a) approvals recorded277
- 7(a) gross approval dollars$144.6 m
- Average 7(a) approval$521,906
- Median 7(a) approval$234,500
- 10th percentile approval$50,000
- 90th percentile approval$1,192,920
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)2,896
- Jobs per approval10.5
- Distinct 7(a) lenders active72
- Distinct industries receiving approvals131
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer9.7 percent
- Loans on real estate terms27
- Loans on working capital terms, 120 months or shorter230
- Franchise loans58
- Franchise share of approvals20.9 percent
- Leading industry by approval countRemediation Services (10)
- 504 approvals recorded63
- 504 gross approval dollars$58.5 m
- Average 504 approval$928,873
- Median 504 approval$714,000
- Distinct CDCs active7
- 504 jobs per approval11.1
- 504 jobs per million dollars approved11.9
- Most active CDCCapital Certified Development Corporation (23)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$203.1 m
The average approval of $521,906 sits well above the median of $234,500, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 9.7 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.
Comal County
SBA loan default and charge-off rates in Comal County
Do SBA loans in Comal County get paid back?
- Loans with a final outcome recorded33
- Paid in full30
- Charged off3
- Charge-off rate on resolved loans9.1 percent
- Status: Paid in full30
- Status: Exempt from disclosure173
- Status: Charged off3
- Status: Cancelled52
- Status: Committed, not yet disbursed19
Of the 33 loans that have reached a final outcome, 9.1 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.
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.
Comal County
SBA lending by place in Comal County
- Borrower cities with recorded lending11
- New Braunfels, approvals177
- Spring Branch, approvals31
- Bulverde, approvals30
- Canyon Lake, approvals12
- San Antonio, approvals10
- Boerne, approvals9
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| New Braunfels | 177 | $102,457,000 |
| Spring Branch | 31 | $17,993,300 |
| Bulverde | 30 | $11,984,400 |
| Canyon Lake | 12 | $2,999,600 |
| San Antonio | 10 | $3,368,400 |
| Boerne | 9 | $4,540,500 |
| Garden Ridge | 2 | $250,000 |
| San Marcos | 2 | $225,000 |
| 3 other borrower cities | 4 | $749,800 |
New Braunfels accounts for 177 approvals against 31 in Spring Branch. 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.
Comal County
How large is Comal County?
- Land area559 sq mi
- Rank by land area among Texas counties234th of 254
- Width, east to west38.8 mi
- Height, north to south30.6 mi
- Geographies sharing a boundary5
- Residents per square mile of land329
- Establishments per square mile8.86
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.
Comal County
Flood risk in Comal County
- Participation of the county's own NFIP community Comal County, unincorporated areasParticipating, community 485463
- Communities in the county in the NFIP Community Status Book8
- Of those, participating in the NFIP8
- 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 8
- Communities carrying a CRS class1
- Radon levels in Comal 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 Comal County (community 485463), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Comal 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 8, 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 Comal 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 Comal County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024183,826
- Households71,354
- Average household size2.58
- Median household income$101,889
- Median age41.8
Common questions
Comal County questions, answered from the record.
How many people live in Comal County, Texas?
The Census Bureau estimates 201,628 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 183,826, in 71,354 households, ranking 27th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Comal County's population growing?
The population has grown 24.87 percent since the 2020 census base of 161,466, to 201,628 on July 1, 2024. In 2024 there were 1,882 births against 1,631 deaths, with net migration of 7,298. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Comal County?
$101,889. The median owner-occupied home is valued at $427,200, which is 4.2 times income, and median gross rent is $1,603 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Comal County?
4,951 establishments, employing 65,657 people with an annual payroll of $3.26 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 Comal County?
Retail trade is the largest private sector at 10,358 jobs, 13.6 percent of covered employment. Covered employment averages 76,434 jobs at an average annual pay of $58,057, or $1,116 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Comal County?
277 7(a) approvals totaling $144.6 m since FY2020, across 72 lenders, with a median approval of $234,500, plus 63 504 approvals worth $58.5 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Comal County get paid back?
Of the 33 loans that have reached a final outcome, 30 were paid in full and 3 charged off, a charge-off rate of 9.1 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Comal County?
3,430 housing units were authorized by permit in 2024, with a declared construction value of $819.0 m. Multifamily was 34.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Comal 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 Comal County come from?
The largest single origin is Bexar County, with 2,323 households. Arriving households report an average income of $113,849 against $81,814 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Comal 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 Comal 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.
Comal County
Cities and places in Comal.
8 Census places lie wholly or partly in Comal County. All 8 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 |
|---|---|---|---|---|
| New Braunfels | city | 104,643 | 177 | 75.8 percent here, 24.2 percent Guadalupe County |
| Schertz | city | 44,050 | None recorded | 22.6 percent here, 40.6 percent Bexar County, 36.8 percent Guadalupe County |
| Canyon Lake | CDP | 33,883 | 12 | Wholly in this county |
| Selma | city | 11,503 | None recorded | 9.5 percent here, 59.4 percent Bexar County, 31.1 percent Guadalupe County |
| Fair Oaks Ranch | city | 10,728 | 1 | 21.2 percent here, 47.2 percent Bexar County, 31.5 percent Kendall County |
| Bulverde | city | 6,486 | 30 | Wholly in this county |
| Garden Ridge | city | 4,332 | 2 | Wholly in this county |
| Spring Branch | city | 243 | 31 | Wholly in this county |
A further 24 of the county's 277 SBA 7(a) approvals are to borrowers in cities that match no Census place in Comal County, the largest being San Antonio (10), Boerne (9), San Marcos (2). 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