Erath County, Texas: commercial real estate data.
Erath County, Texas had an estimated 44,496 residents on July 1, 2024, up 4.6 percent since the 2020 census base of 42,543, across 1,083 square miles. County output reached $2.49 bn in 2024, 1,116 establishments operate here, and the SBA record carries 44 7(a) approvals worth $33.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Erath County
How many people live in Erath County
- Population, American Community Survey 2020-202443,794
- Households16,816
- Average household size2.60
- Median household income$65,115
- Median age32.0
- Median gross rent$1,146 per month
- Median owner-occupied home value$269,100
- Home value to household income4.1 times
- Annual rent as a share of median income21.1 percent
- Adults 25 and over with a bachelor degree or higher32.0 percent
- Adults 25 and over with a graduate degree11.8 percent
- Adults 25 and over25,895
- Population under 189,073
- Share under 1820.7 percent
- Population 65 and over6,497
- Share 65 and over14.8 percent
- Working age population, 18 to 6428,224
- Civilian labor force22,731
- Unemployment rate5.7 percent
- Labor force participation, adults 18 and over65.5 percent
- Rank by population among Texas counties77th of 254
- Rank by population among US county-equivalents, Puerto Rico included1123rd of 3,222
Erath County is the 77th largest of 254 Texas counties by population. A median home costs 4.1 times median household income, which is seriously unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 20.7 percent against 14.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Erath County
Is Erath County's population growing?
- Population, July 1, 202444,496
- Census 2020 base population42,543
- Population change since the 2020 census base4.59 percent
- Population change, 2023 to 202457
- Births, 2024521
- Deaths, 2024392
- Natural change, 2024129
- Net domestic migration, 2024-141
- Net international migration, 202468
- Total net migration, 2024-73
- Cumulative net domestic migration, 2021 to 20241,219
- Rank by growth among US county-equivalents596th of 3,144
The county has grown 4.59 percent since the 2020 census base. Births exceeded deaths in 2024 by more than net migration took away, so the population grew even though more people left than moved in.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Erath County
Where are people moving to Erath County from?
- Tax returns filed by households arriving1,441
- People arriving, from those returns2,648
- Tax returns filed by households leaving1,426
- Net household movement15
- Adjusted gross income arriving$100.0 m
- Net adjusted gross income movement$33.5 m
- Average income of an arriving household$69,414
- Average income of a leaving household$46,682
- Largest single originTarrant County (126 households)
- Largest single destinationTarrant County (155 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Tarrant County | 126 | 239 | $8.5 m |
| Hood County | 99 | 206 | $8.2 m |
| Parker County | 70 | 134 | $4.7 m |
| Comanche County | 68 | 139 | $2.7 m |
| Dallas County | 40 | 70 | $8.4 m |
| Hamilton County | 38 | 67 | $1.4 m |
| Palo Pinto County | 35 | 67 | $2.0 m |
| Johnson County | 34 | 74 | $1.4 m |
Households arriving report $22,732 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Tarrant County, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Erath County
What is the Erath County economy?
- County GDP, 2024$2.49 bn
- County GDP, 2023$2.28 bn
- GDP change, 2023 to 20249.3 percent
- GDP change over five years47.0 percent
- Rank by GDP among the Texas areas BEA publishes93rd of 254
- Rank by GDP among the US county areas BEA publishes1107th of 3,127
- GDP per resident$56,790
Output grew 9.3 percent in the latest year and 47.0 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Erath County
Employment by industry in Erath County
- Covered employment, annual average18,590
- Establishments reporting1,279
- Average annual pay$47,473
- Average weekly wage$913
- Manufacturing, employment2,337
- Manufacturing, average annual pay$58,053
- Accommodation and food services, employment2,266
- Accommodation and food services, average annual pay$20,480
- Retail trade, employment2,097
- Retail trade, average annual pay$34,808
- Health care and social assistance, employment1,573
- Health care and social assistance, average annual pay$57,500
- Construction, employment1,154
- Agriculture, forestry, fishing and hunting, employment916
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 2,337 | 60 | $58,053 |
| Accommodation and food services | 2,266 | 109 | $20,480 |
| Retail trade | 2,097 | 147 | $34,808 |
| Health care and social assistance | 1,573 | 110 | $57,500 |
| Construction | 1,154 | 138 | $64,048 |
| Agriculture, forestry, fishing and hunting | 916 | 97 | $46,019 |
| Other services, except public administration | 573 | 82 | $46,846 |
| Transportation and warehousing | 483 | 32 | $69,007 |
Manufacturing is the largest private sector at 2,337 jobs, 12.6 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Erath County
How many businesses are in Erath County?
- Establishments, all industries1,116
- Employment at those establishments13,376
- Annual payroll$609.4 m
- Establishments per 1,000 residents25.5
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Erath County
Building permits in Erath County
- Housing units authorized by permit, 2024110
- Declared construction value permitted$17.5 m
- Single family units authorized27
- Multifamily units authorized83
- Multifamily share of units75.5 percent
- Average declared value per unit$159,018
- Units authorized per 1,000 households6.5
Multifamily is 75.5 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Erath County
SBA loans in Erath County (7(a) and 504)
- 7(a) approvals recorded44
- 7(a) gross approval dollars$33.2 m
- Average 7(a) approval$754,618
- Median 7(a) approval$510,700
- 10th percentile approval$109,060
- 90th percentile approval$1,813,000
- Largest single approval$3,270,000
- Jobs reported supported, 7(a)460
- Jobs per approval10.5
- Distinct 7(a) lenders active23
- Distinct industries receiving approvals26
- Median 7(a) term183 months
- Share of loans on real estate terms, 240 months or longer43.2 percent
- Loans on real estate terms19
- Loans on working capital terms, 120 months or shorter21
- Franchise loans10
- Franchise share of approvals22.7 percent
- Leading industry by approval countGasoline Stations with Convenience Stores (6)
- Most active lenderTexasBank (11)
- 504 approvals recorded9
- 504 gross approval dollars$3.3 m
- Average 504 approval$368,111
- Median 504 approval$342,000
- Distinct CDCs active4
- 504 jobs per approval6.2
- 504 jobs per million dollars approved16.9
- Most active CDCTexas Panhandle Regional Development Corporation (4)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$36.5 m
The average approval of $754,618 sits well above the median of $510,700, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. 43.2 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Erath County
SBA loan default and charge-off rates in Erath County
Do SBA loans in Erath County get paid back?
- Loans with a final outcome recorded10
- Paid in full10
- Charged off0
- Status: Paid in full10
- Status: Exempt from disclosure28
- Status: Cancelled4
- Status: Committed, not yet disbursed2
Only 10 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Erath County
SBA lending by place in Erath County
- Borrower cities with recorded lending6
- Stephenville, approvals32
- Dublin, approvals6
- Bluff Dale, approvals3
- Mingus, approvals1
- Stephensville, approvals1
- Gordon, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Stephenville | 32 | $24,440,900 |
| Dublin | 6 | $6,282,300 |
| Bluff Dale | 3 | $550,000 |
| Mingus | 1 | $1,000,000 |
| Stephensville | 1 | $830,000 |
| Gordon | 1 | $100,000 |
Stephenville accounts for 32 approvals against 6 in Dublin. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Erath County
How large is Erath County?
- Land area1,083 sq mi
- Rank by land area among Texas counties52nd of 254
- Width, east to west40.2 mi
- Height, north to south41.1 mi
- Geographies sharing a boundary7
- Residents per square mile of land40
- Establishments per square mile1.03
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Erath County
Flood risk in Erath County
- Participation of the county's own NFIP community Erath County, unincorporated areasParticipating, community 480218
- Communities in the county in the NFIP Community Status Book3
- Of those, participating in the NFIP3
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Erath County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The county's own community in the status book, unincorporated Erath County (community 480218), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Erath County in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, 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 →
Feasibility studies
When a Erath County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Erath County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202443,794
- Households16,816
- Average household size2.60
- Median household income$65,115
- Median age32.0
Common questions
Erath County questions, answered from the record.
How many people live in Erath County, Texas?
The Census Bureau estimates 44,496 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 43,794, in 16,816 households, ranking 77th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Erath County's population growing?
The population has grown 4.59 percent since the 2020 census base of 42,543, to 44,496 on July 1, 2024. In 2024 there were 521 births against 392 deaths, with net migration of -73. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Erath County?
$65,115. The median owner-occupied home is valued at $269,100, which is 4.1 times income, and median gross rent is $1,146 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Erath County?
1,116 establishments, employing 13,376 people with an annual payroll of $609.4 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Erath County?
Manufacturing is the largest private sector at 2,337 jobs, 12.6 percent of covered employment. Covered employment averages 18,590 jobs at an average annual pay of $47,473, or $913 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Erath County?
44 7(a) approvals totaling $33.2 m since FY2020, across 23 lenders, with a median approval of $510,700, plus 9 504 approvals worth $3.3 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Erath County?
110 housing units were authorized by permit in 2024, with a declared construction value of $17.5 m. Multifamily was 75.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Erath County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Erath County come from?
The largest single origin is Tarrant County, with 126 households. Arriving households report an average income of $69,414 against $46,682 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Erath County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Erath County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Erath County
Cities and places in Erath.
6 Census places lie wholly or partly in Erath County. All 6 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Stephenville | city | 21,682 | 32 | Wholly in this county |
| Dublin | city | 3,419 | 6 | Wholly in this county |
| Hico | city | 1,771 | None recorded | 4.4 percent here, 95.6 percent Hamilton County |
| Lingleville | CDP | 272 | None recorded | Wholly in this county |
| Huckabay | CDP | 212 | None recorded | Wholly in this county |
| Bluff Dale | CDP | 182 | 3 | Wholly in this county |
A further 3 of the county's 44 SBA 7(a) approvals are to borrowers in cities that match no Census place in Erath County, the largest being Mingus (1), Stephensville (1), Gordon (1). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.