HomeTexasDenton CountyPonder
Ponder, Texas: commercial real estate data.
Ponder 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 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
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 loans in Ponder (7(a))
- Approvals14
- Gross approval$8,479,800
- Average approval$605,700
- Median approval$300,000
- 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
Counted by borrower city: approvals to borrowers whose address is in Ponder, in any county, FY2020 to FY2026. Only 4 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.
Ponder
SBA loans in Ponder (504)
- 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
Counted by borrower city: approvals to borrowers whose address is in Ponder, in any county, FY2010 to FY2026. Only 0 loans have 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.
Ponder
Flood risk in Ponder
- NFIP communityTown of Ponder
- NFIP community number480784
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date04/18/11(M)
The Town of Ponder participates in the National Flood Insurance Program as community 480784 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.
Denton County, not Ponder
Denton County context, not Ponder figures
- Establishments in Denton County20,025
- Covered employment, Denton County313,782
- Average annual pay, Denton County$65,626
- Housing units permitted, Denton County10,507
Every figure in this section is published for Denton County as a whole and is not a measurement of Ponder.
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
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 totaling $8.5 m since FY2020, across 10 lenders, median approval $300,000, plus 1 504 approvals worth $1.7 m since FY2010. 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 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 Ponder in the National Flood Insurance Program?
Yes. Ponder appears in the FEMA Community Status Book as Ponder, town of, 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 labeled 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?
No. Nothing on this page presents parcel level zoning.