HomeTexasEllis CountyRed Oak city
Red Oak city, Texas: commercial real estate data.
Red Oak city is a Census city of 17,077 people across 16.24 square miles of land, in Ellis County. Median household income is $104,561, 75.5 percent of occupied homes are owned, and the SBA record carries 32 7(a) approvals to borrowers here worth $27.4 m.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Red Oak
What Red Oak is
- Census place typecity
- Land area16.24 sq mi
- Water area0.01 sq mi
- Population per square mile of land1,052
- County holding the largest share of its areaEllis 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.
Red Oak
How many people live in Red Oak
- Population17,077
- Median age34.0
- Population under 185,297
- Share under 1831.0 percent
- Population 65 and over1,752
- Share 65 and over10.3 percent
- Households5,347
- Family households4,332
- Share of households that are families81.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Red Oak
Income and work in Red Oak
- Median household income$104,561
- Per capita income$36,662
- Civilian labor force9,341
- Employed8,779
- Unemployed562 plus or minus 270
- Unemployment rate6.0 percent plus or minus 2.9
- Adults 25 and over10,368
- Adults 25 and over with a high school diploma or higher94.0 percent
- Adults 25 and over with a bachelor degree or higher36.7 percent
- Adults 25 and over with a graduate degree16.5 percent plus or minus 3.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Red Oak
Housing in Red Oak
- Housing units5,540
- Occupied units5,347
- Vacant units193 plus or minus 184
- Vacancy rate3.5 percent plus or minus 3.3
- Owner occupied4,038
- Renter occupied1,309 plus or minus 384
- Ownership rate75.5 percent
- Median owner-occupied home value$366,100
- Median gross rent, monthly$1,920 plus or minus $646
- Annual rent as a share of median income22.0 percent plus or minus 8.1
- Single family units4,761
- Share single family85.9 percent
- Units in buildings of two or more704 plus or minus 317
- Share in buildings of two or more12.7 percent plus or minus 5.6
- Mobile homes75 plus or minus 54
- Median year structure built2007
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Red Oak
How Red Oak gets to work
- Workers 16 and over who commute7,372
- Commuting under 15 minutes1,185 plus or minus 346
- Share commuting under 15 minutes16.1 percent plus or minus 4.5
- Commuting 30 minutes or more3,466
- Share commuting 30 minutes or more47.0 percent
- Drove alone71.0 percent
- Carpooled11.3 percent plus or minus 4.5
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home15.0 percent plus or minus 4.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Red Oak
SBA loans in Red Oak (7(a))
- Approvals32
- Gross approval$27,404,600
- Average approval$856,394
- Median approval$350,000
- Ninetieth percentile approval$2,305,000
- Largest approval$4,995,000
- Jobs supported258
- Jobs per approval8.1
- Loans with a final outcome4
- Paid in full3
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more28.1 percent
- Share to franchises21.9 percent
- Distinct lenders22
- Distinct industries by NAICS23
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.
Red Oak
SBA loans in Red Oak (504)
- Approvals2
- Gross approval$1,093,000
- Average approval$546,500
- Median approval$744,000
- Largest approval$744,000
- Jobs supported32
- Loans with a final outcome1
- Charged off0
- Median term300 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Red Oak
Flood risk in Red Oak
- Listed NFIP communities1
- Of those, participating1
- NFIP community number481650
- Currently effective map date10/19/23
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.
Ellis County, not Red Oak
Ellis County context, not Red Oak figures
These are Ellis County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Red Oak measurements.
- Establishments in Ellis County3,808
- Employment at those establishments, Ellis County53,171
- Covered employment, Ellis County62,721
- Average annual pay, Ellis County$57,911
- Average weekly wage, Ellis County$1,114
- Housing units permitted, Ellis County2,972
- Of those, single family, Ellis County2,854
- County product, 2024, Ellis County$10,768,440,000
- County product change over the prior year, Ellis County8.1 percent
- Average income of an arriving household, Ellis County$73,060
Every figure in this section is published for Ellis County as a whole and is not a measurement of Red Oak. 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
Red Oak questions, answered from the record.
How many people live in Red Oak, Texas?
17,077, in 5,347 households. Red Oak city covers 16.24 square miles of land, which is 1,052 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Red Oak in?
Ellis 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 Red Oak?
$104,561. The median owner-occupied home is valued at $366,100. Median gross rent is $1,920 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Red Oak businesses?
32 7(a) approvals totalling $27.4 m, across 22 lenders, median approval $350,000, plus 2 504 approvals worth $1.1 m. These count approvals to borrowers whose address is in Red Oak, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Red Oak borrowers get paid back?
No rate is published for Red Oak. 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 Red Oak in the National Flood Insurance Program?
Yes. Red Oak appears in the FEMA Community Status Book as community 481650, 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 Red Oak figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Ellis 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 Red Oak.
Is zoning published for Red Oak?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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