HomeTexasDenton CountyPonder town
Ponder town, Texas: commercial real estate data.
Ponder town is a Census town of 2,626 people across 3.37 square miles of land, in Denton County. Median household income is $106,250, 87.5 percent of occupied homes are owned, and the SBA record carries 14 7(a) approvals to borrowers here worth $8.5 m.
80 sourced place values · tier FULL · 9 sections
Ponder
What Ponder is
- Census place typetown
- Land area3.37 sq mi
- Water area0 sq mi
- Population per square mile of land779
- County holding the largest share of its areaDenton 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.
Ponder
How many people live in Ponder
- Population2,626
- Median age33.2
- Population under 18869 plus or minus 199
- Share under 1833.1 percent plus or minus 7.6
- Population 65 and over280 plus or minus 107
- Share 65 and over10.7 percent plus or minus 4.1
- Households864
- Family households686
- Share of households that are families79.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ponder
Income and work in Ponder
- Median household income$106,250
- Per capita income$39,960
- Civilian labor force1,372
- Employed1,322
- Unemployed50 plus or minus 28
- Unemployment rate3.6 percent plus or minus 2.0
- Adults 25 and over1,662
- Adults 25 and over with a high school diploma or higher97.3 percent
- Adults 25 and over with a bachelor degree or higher33.5 percent plus or minus 7.4
- Adults 25 and over with a graduate degree10.5 percent plus or minus 4.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ponder
Housing in Ponder
- Housing units887
- Occupied units864
- Vacant units23 plus or minus 26
- Vacancy rate2.6 percent plus or minus 2.9
- Owner occupied756
- Renter occupied108 plus or minus 49
- Ownership rate87.5 percent
- Median owner-occupied home value$321,000
- Median gross rent, monthly$2,158
- Annual rent as a share of median income24.4 percent
- Single family units859
- Share single family96.8 percent
- Units in buildings of two or more23 plus or minus 26
- Share in buildings of two or more2.6 percent plus or minus 2.9
- Mobile homes5 plus or minus 6
- Median year structure built2008
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ponder
How Ponder gets to work
- Workers 16 and over who commute1,148
- Commuting under 15 minutes197 plus or minus 86
- Share commuting under 15 minutes17.2 percent plus or minus 7.2
- Commuting 30 minutes or more581 plus or minus 123
- Share commuting 30 minutes or more50.6 percent
- Drove alone79.2 percent
- Carpooled7.3 percent plus or minus 3.3
- Public transport0.0 percent
- Walked0.4 percent plus or minus 0.6
- Worked from home12.8 percent plus or minus 5.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ponder
SBA 7(a) lending to Ponder borrowers
- Approvals14
- Gross approval$8,479,800
- Average approval$605,700
- Median approval$350,000
- Ninetieth percentile approval$1,884,000
- Largest approval$2,899,800
- Jobs supported99
- Jobs per approval7.1
- Loans with a final outcome4
- Paid in full4
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more14.3 percent
- Share to franchises21.4 percent
- Distinct lenders10
- Distinct industries by NAICS11
A charge-off rate is not published here. only 4 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Ponder
SBA 504 lending to Ponder borrowers
- Approvals1
- Gross approval$1,684,000
- Average approval$1,684,000
- Median approval$1,684,000
- Largest approval$1,684,000
- Jobs supported22
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Ponder
Flood programme status in Ponder
- Listed NFIP communities1
- Of those, participating1
- NFIP community number480784
- Currently effective map date04/18/11(M)
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Denton County, not Ponder
Denton County context, not Ponder figures
These are Denton County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Ponder measurements.
- Establishments in Denton County20,025
- Employment at those establishments, Denton County280,349
- Covered employment, Denton County313,782
- Average annual pay, Denton County$65,626
- Average weekly wage, Denton County$1,262
- Housing units permitted, Denton County10,507
- Of those, single family, Denton County7,376
- County product, 2024, Denton County$64,328,703,000
- County product change over the prior year, Denton County4.9 percent
- Average income of an arriving household, Denton County$103,893
Every figure in this section is published for Denton County as a whole and is not a measurement of Ponder. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Ponder questions, answered from the record.
How many people live in Ponder, Texas?
2,626, in 864 households. Ponder town covers 3.37 square miles of land, which is 779 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Ponder in?
Denton 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 Ponder?
$106,250. The median owner-occupied home is valued at $321,000. Median gross rent is $2,158 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Ponder businesses?
14 7(a) approvals totalling $8.5 m, across 10 lenders, median approval $350,000, plus 1 504 approvals worth $1.7 m. These count approvals to borrowers whose address is in Ponder, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Ponder borrowers get paid back?
No rate is published for Ponder. only 4 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Ponder in the National Flood Insurance Program?
Yes. Ponder appears in the FEMA Community Status Book as community 480784, 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 Ponder figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Denton 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 Ponder.
Is zoning published for Ponder?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.