HomeTexasEllis CountyRed Oak
Red Oak, Texas: commercial real estate data.
Red Oak 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 since FY2020.
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$334,150
- Ninetieth percentile approval$2,228,300
- 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
Counted by borrower city: approvals to borrowers whose address is in Red Oak, 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.
Red Oak
SBA loans in Red Oak (504)
- Approvals2
- Gross approval$1,093,000
- Average approval$546,500
- Median approval$546,500
- Largest approval$744,000
- Jobs supported32
- Loans with a final outcome1
- Charged off0
- Median term270 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Red Oak, 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.
Red Oak
Flood risk in Red Oak
- NFIP communityCity of Red Oak
- NFIP community number481650
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date10/19/23
The City of Red Oak participates in the National Flood Insurance Program as community 481650 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.
Ellis County, not Red Oak
Ellis County context, not Red Oak figures
- Establishments in Ellis County3,808
- Covered employment, Ellis County62,721
- Average annual pay, Ellis County$57,911
- Housing units permitted, Ellis County2,972
Every figure in this section is published for Ellis County as a whole and is not a measurement of Red Oak.
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
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 totaling $27.4 m since FY2020, across 22 lenders, median approval $334,150, plus 2 504 approvals worth $1.1 m since FY2010. 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 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 Red Oak in the National Flood Insurance Program?
Yes. Red Oak appears in the FEMA Community Status Book as Red Oak, city of, 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 labeled 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?
No. Nothing on this page presents parcel level zoning.
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