HomeTexasErath CountyStephenville
Stephenville, Texas: commercial real estate data.
Stephenville is a Census city of 21,682 people across 11.97 square miles of land, in Erath County. Median household income is $53,015, 44.3 percent of occupied homes are owned, and the SBA record carries 32 7(a) approvals to borrowers here worth $24.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Stephenville
What Stephenville is
- Census place typecity
- Land area11.97 sq mi
- Water area0.03 sq mi
- Population per square mile of land1,812
- County holding the largest share of its areaErath 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.
Stephenville
How many people live in Stephenville
- Population21,682
- Median age25.1
- Population under 184,034
- Share under 1818.6 percent
- Population 65 and over2,413
- Share 65 and over11.1 percent
- Households8,247
- Family households4,402
- Share of households that are families53.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stephenville
Income and work in Stephenville
- Median household income$53,015
- Per capita income$27,593
- Civilian labor force12,044
- Employed11,166
- Unemployed878 plus or minus 343
- Unemployment rate7.3 percent plus or minus 2.8
- Adults 25 and over10,862
- Adults 25 and over with a high school diploma or higher89.8 percent
- Adults 25 and over with a bachelor degree or higher33.3 percent
- Adults 25 and over with a graduate degree13.2 percent plus or minus 2.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stephenville
Housing in Stephenville
- Housing units9,095
- Occupied units8,247
- Vacant units848 plus or minus 287
- Vacancy rate9.3 percent plus or minus 3.1
- Owner occupied3,656
- Renter occupied4,591
- Ownership rate44.3 percent
- Median owner-occupied home value$241,300
- Median gross rent, monthly$1,134
- Annual rent as a share of median income25.7 percent
- Single family units5,610
- Share single family61.7 percent
- Units in buildings of two or more2,953
- Share in buildings of two or more32.5 percent
- Mobile homes505 plus or minus 234
- Median year structure built1984
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stephenville
How Stephenville gets to work
- Workers 16 and over who commute10,509
- Commuting under 15 minutes7,439
- Share commuting under 15 minutes70.8 percent
- Commuting 30 minutes or more1,651 plus or minus 344
- Share commuting 30 minutes or more15.7 percent plus or minus 3.2
- Drove alone75.6 percent
- Carpooled10.0 percent
- Public transport0.0 percent
- Walked7.0 percent plus or minus 1.7
- Worked from home4.0 percent plus or minus 1.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stephenville
SBA loans in Stephenville (7(a))
- Approvals32
- Gross approval$24,440,900
- Average approval$763,778
- Median approval$510,700
- Ninetieth percentile approval$1,901,000
- Largest approval$3,071,000
- Jobs supported299
- Jobs per approval9.3
- Loans with a final outcome8
- Paid in full8
- Charged off0
- Median term183 months
- Share on real estate terms of 20 years or more40.6 percent
- Share to franchises25.0 percent
- Distinct lenders19
- Distinct industries by NAICS19
Counted by borrower city: approvals to borrowers whose address is in Stephenville, in any county, FY2020 to FY2026. Only 8 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.
Stephenville
SBA loans in Stephenville (504)
- Approvals7
- Gross approval$2,547,000
- Average approval$363,857
- Median approval$308,000
- Largest approval$844,000
- Jobs supported35
- Loans with a final outcome3
- Charged off0
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Stephenville, in any county, FY2010 to FY2026. Only 3 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.
Stephenville
Flood risk in Stephenville
- NFIP communityCity of Stephenville
- NFIP community number480220
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date11/16/11
The City of Stephenville participates in the National Flood Insurance Program as community 480220 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.
Erath County, not Stephenville
Erath County context, not Stephenville figures
- Establishments in Erath County1,116
- Covered employment, Erath County18,590
- Average annual pay, Erath County$47,473
- Housing units permitted, Erath County110
Every figure in this section is published for Erath County as a whole and is not a measurement of Stephenville.
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
Stephenville questions, answered from the record.
How many people live in Stephenville, Texas?
21,682, in 8,247 households. Stephenville city covers 11.97 square miles of land, which is 1,812 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Stephenville in?
Erath 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 Stephenville?
$53,015. The median owner-occupied home is valued at $241,300. Median gross rent is $1,134 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Stephenville businesses?
32 7(a) approvals totaling $24.4 m since FY2020, across 19 lenders, median approval $510,700, plus 7 504 approvals worth $2.5 m since FY2010. These count approvals to borrowers whose address is in Stephenville, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Stephenville borrowers get paid back?
No rate is published for Stephenville. Only 8 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 Stephenville in the National Flood Insurance Program?
Yes. Stephenville appears in the FEMA Community Status Book as Stephenville, city of, community 480220, 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 Stephenville figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Erath 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 Stephenville.
Is zoning published for Stephenville?
No. Nothing on this page presents parcel level zoning.
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