HomeTexasCooke CountyGainesville
Gainesville, Texas: commercial real estate data.
Gainesville is a Census city of 17,883 people across 19.30 square miles of land, in Cooke County. Median household income is $58,809, 57.6 percent of occupied homes are owned, and the SBA record carries 29 7(a) approvals to borrowers here worth $49.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Gainesville
What Gainesville is
- Census place typecity
- Land area19.3 sq mi
- Water area0.03 sq mi
- Population per square mile of land926
- County holding the largest share of its areaCooke 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.
Gainesville
How many people live in Gainesville
- Population17,883
- Median age36.5
- Population under 184,368
- Share under 1824.4 percent
- Population 65 and over2,963
- Share 65 and over16.6 percent
- Households6,994
- Family households4,337
- Share of households that are families62.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gainesville
Income and work in Gainesville
- Median household income$58,809
- Per capita income$31,046
- Civilian labor force9,229
- Employed8,481
- Unemployed748 plus or minus 296
- Unemployment rate8.1 percent plus or minus 3.2
- Adults 25 and over11,509
- Adults 25 and over with a high school diploma or higher84.2 percent
- Adults 25 and over with a bachelor degree or higher19.4 percent
- Adults 25 and over with a graduate degree6.0 percent plus or minus 1.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gainesville
Housing in Gainesville
- Housing units7,485
- Occupied units6,994
- Vacant units491 plus or minus 198
- Vacancy rate6.6 percent plus or minus 2.6
- Owner occupied4,032
- Renter occupied2,962
- Ownership rate57.6 percent
- Median owner-occupied home value$177,000
- Median gross rent, monthly$1,038
- Annual rent as a share of median income21.2 percent
- Single family units5,426
- Share single family72.5 percent
- Units in buildings of two or more1,883 plus or minus 407
- Share in buildings of two or more25.2 percent plus or minus 5.3
- Mobile homes163 plus or minus 97
- Median year structure built1971
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gainesville
How Gainesville gets to work
- Workers 16 and over who commute7,813
- Commuting under 15 minutes3,878
- Share commuting under 15 minutes49.6 percent
- Commuting 30 minutes or more2,344 plus or minus 492
- Share commuting 30 minutes or more30.0 percent
- Drove alone79.1 percent
- Carpooled10.7 percent plus or minus 3.1
- Public transport0.0 percent
- Walked0.8 percent plus or minus 0.6
- Worked from home5.6 percent plus or minus 2.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gainesville
SBA loans in Gainesville (7(a))
- Approvals29
- Gross approval$49,848,200
- Average approval$1,718,903
- Median approval$1,000,000
- Ninetieth percentile approval$5,000,000
- Largest approval$5,000,000
- Jobs supported228
- Jobs per approval7.9
- Loans with a final outcome7
- Paid in full7
- Charged off0
- Median term300 months
- Share on real estate terms of 20 years or more69.0 percent
- Share to franchises48.3 percent
- Distinct lenders18
- Distinct industries by NAICS13
Counted by borrower city: approvals to borrowers whose address is in Gainesville, in any county, FY2020 to FY2026. Only 7 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.
Gainesville
SBA loans in Gainesville (504)
- Approvals3
- Gross approval$6,572,000
- Average approval$2,190,667
- Median approval$702,000
- Largest approval$5,500,000
- Jobs supported163
- Loans with a final outcome1
- Charged off0
- Median term300 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Gainesville, in any county, FY2010 to FY2026. Only 1 loan has 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.
Gainesville
Flood risk in Gainesville
- NFIP communityCity of Gainesville
- NFIP community number480154
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date01/16/08
The City of Gainesville participates in the National Flood Insurance Program as community 480154 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.
Cooke County, not Gainesville
Cooke County context, not Gainesville figures
- Establishments in Cooke County1,040
- Covered employment, Cooke County16,535
- Average annual pay, Cooke County$62,891
- Housing units permitted, Cooke County155
Every figure in this section is published for Cooke County as a whole and is not a measurement of Gainesville.
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
Gainesville questions, answered from the record.
How many people live in Gainesville, Texas?
17,883, in 6,994 households. Gainesville city covers 19.30 square miles of land, which is 926 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Gainesville in?
Cooke 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 Gainesville?
$58,809. The median owner-occupied home is valued at $177,000. Median gross rent is $1,038 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Gainesville businesses?
29 7(a) approvals totaling $49.8 m since FY2020, across 18 lenders, median approval $1,000,000, plus 3 504 approvals worth $6.6 m since FY2010. These count approvals to borrowers whose address is in Gainesville, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Gainesville borrowers get paid back?
No rate is published for Gainesville. Only 7 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 Gainesville in the National Flood Insurance Program?
Yes. Gainesville appears in the FEMA Community Status Book as Gainesville, city of, community 480154, 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 Gainesville figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Cooke 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 Gainesville.
Is zoning published for Gainesville?
No. Nothing on this page presents parcel level zoning.
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