Fannin County, Texas: commercial real estate data.
Fannin County, Texas had an estimated 38,650 residents on July 1, 2024, up 7.8 percent since the 2020 census base of 35,837, across 891 square miles. County output reached $1.54 bn in 2024, 530 establishments operate here, and the SBA record carries 30 7(a) approvals worth $31.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Fannin County
How many people live in Fannin County
- Population, American Community Survey 2020-202437,326
- Households12,767
- Average household size2.92
- Median household income$72,295
- Median age41.0
- Median gross rent$1,035 per month
- Median owner-occupied home value$233,700
- Home value to household income3.2 times
- Annual rent as a share of median income17.2 percent
- Adults 25 and over with a bachelor degree or higher19.5 percent
- Adults 25 and over with a graduate degree6.6 percent
- Adults 25 and over26,524
- Population under 187,868
- Share under 1821.1 percent
- Population 65 and over6,767
- Share 65 and over18.1 percent
- Working age population, 18 to 6422,691
- Civilian labor force16,791
- Unemployment rate5.0 percent
- Labor force participation, adults 18 and over57.0 percent
- Rank by population among Texas counties85th of 254
- Rank by population among US county-equivalents, Puerto Rico included1274th of 3,222
Fannin County is the 85th largest of 254 Texas counties by population. A median home costs 3.2 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 21.1 percent against 18.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Fannin County
Is Fannin County's population growing?
- Population, July 1, 202438,650
- Census 2020 base population35,837
- Population change since the 2020 census base7.85 percent
- Population change, 2023 to 2024785
- Births, 2024376
- Deaths, 2024499
- Natural change, 2024-123
- Net domestic migration, 2024895
- Net international migration, 202418
- Total net migration, 2024913
- Cumulative net domestic migration, 2021 to 20243,380
- Rank by growth among US county-equivalents248th of 3,144
The county has grown 7.85 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Fannin County
Where are people moving to Fannin County from?
- Tax returns filed by households arriving1,304
- People arriving, from those returns2,609
- Tax returns filed by households leaving1,067
- Net household movement237
- Adjusted gross income arriving$122.8 m
- Net adjusted gross income movement$69.5 m
- Average income of an arriving household$94,189
- Average income of a leaving household$50,005
- Largest single originCollin County (292 households)
- Largest single destinationGrayson County (194 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Collin County | 292 | 619 | $25.5 m |
| Grayson County | 226 | 445 | $11.4 m |
| Dallas County | 123 | 231 | $6.6 m |
| Denton County | 85 | 169 | $5.0 m |
| Hunt County | 61 | 153 | $3.0 m |
| Tarrant County | 51 | 97 | $2.6 m |
| Lamar County | 38 | 79 | $1.6 m |
Households arriving report $44,184 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 Collin 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.
Fannin County
What is the Fannin County economy?
- County GDP, 2024$1.54 bn
- County GDP, 2023$1.42 bn
- GDP change, 2023 to 20248.8 percent
- GDP change over five years51.1 percent
- Rank by GDP among the Texas areas BEA publishes124th of 254
- Rank by GDP among the US county areas BEA publishes1496th of 3,127
- GDP per resident$41,324
Output grew 8.8 percent in the latest year and 51.1 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.
Fannin County
Employment by industry in Fannin County
- Covered employment, annual average8,689
- Establishments reporting635
- Average annual pay$55,486
- Average weekly wage$1,067
- Retail trade, employment987
- Retail trade, average annual pay$32,520
- Manufacturing, employment946
- Manufacturing, average annual pay$67,583
- Health care and social assistance, employment842
- Health care and social assistance, average annual pay$48,848
- Construction, employment820
- Construction, average annual pay$59,904
- Accommodation and food services, employment716
- Administrative and support and waste management services, employment313
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 987 | 82 | $32,520 |
| Manufacturing | 946 | 37 | $67,583 |
| Health care and social assistance | 842 | 49 | $48,848 |
| Construction | 820 | 73 | $59,904 |
| Accommodation and food services | 716 | 46 | $19,270 |
| Administrative and support and waste management services | 313 | 26 | $97,995 |
| Wholesale trade | 239 | 18 | $79,720 |
| Finance and insurance | 209 | 43 | $62,166 |
Retail trade is the largest private sector at 987 jobs, 11.4 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Fannin County
How many businesses are in Fannin County?
- Establishments, all industries530
- Employment at those establishments5,892
- Annual payroll$270.1 m
- Establishments per 1,000 residents14.2
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.
Fannin County
Building permits in Fannin County
- Housing units authorized by permit, 2024109
- Declared construction value permitted$25.5 m
- Single family units authorized95
- Multifamily units authorized14
- Multifamily share of units12.8 percent
- Average declared value per unit$234,380
- Units authorized per 1,000 households8.5
Single-family homes are 87.2 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Fannin County
SBA loans in Fannin County (7(a) and 504)
- 7(a) approvals recorded30
- 7(a) gross approval dollars$31.2 m
- Average 7(a) approval$1,041,590
- Median 7(a) approval$500,000
- 10th percentile approval$141,000
- 90th percentile approval$2,748,460
- Largest single approval$4,900,000
- Jobs reported supported, 7(a)443
- Jobs per approval14.8
- Distinct 7(a) lenders active20
- Distinct industries receiving approvals24
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer36.7 percent
- Loans on real estate terms11
- Loans on working capital terms, 120 months or shorter17
- Franchise loans3
- Franchise share of approvals10.0 percent
- Most active lenderLive Oak Banking Company (4)
- 504 approvals recorded6
- 504 gross approval dollars$6.4 m
- Average 504 approval$1,069,500
- Median 504 approval$823,000
- Distinct CDCs active4
- 504 jobs per approval18.5
- 504 jobs per million dollars approved17.3
- Most active CDCGreater East Texas Certified Development Company (3)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$37.7 m
The average approval of $1,041,590 sits well above the median of $500,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. 36.7 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.
Fannin County
SBA loan default and charge-off rates in Fannin County
Do SBA loans in Fannin County get paid back?
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Exempt from disclosure21
- Status: Paid in full3
- Status: Cancelled5
- Status: Committed, not yet disbursed1
Only 3 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.
Fannin County
SBA lending by place in Fannin County
- Borrower cities with recorded lending10
- Bonham, approvals14
- Leonard, approvals4
- Trenton, approvals3
- Honey Grove, approvals2
- Sherman, approvals2
- Telephone, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Bonham | 14 | $16,306,200 |
| Leonard | 4 | $1,543,200 |
| Trenton | 3 | $3,333,400 |
| Honey Grove | 2 | $1,430,000 |
| Sherman | 2 | $600,000 |
| Telephone | 1 | $4,900,000 |
| Windom | 1 | $1,590,000 |
| Dodd City | 1 | $853,000 |
| 2 other borrower cities | 2 | $691,900 |
Bonham accounts for 14 approvals against 4 in Leonard. 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.
Fannin County
How large is Fannin County?
- Land area891 sq mi
- Rank by land area among Texas counties160th of 254
- Width, east to west31 mi
- Height, north to south35.7 mi
- Geographies sharing a boundary6
- Residents per square mile of land42
- Establishments per square mile0.59
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.
Fannin County
Flood risk in Fannin County
- Participation of the county's own NFIP community Fannin County, unincorporated areasParticipating, community 480807
- Communities in the county in the NFIP Community Status Book12
- Of those, participating in the NFIP11
- NFIP participation rate91.7 percent
- Communities carrying a CRS class0
- Radon levels in Fannin 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 Fannin County (community 480807), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Fannin 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. 91.7 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 Fannin 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 Fannin County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202437,326
- Households12,767
- Average household size2.92
- Median household income$72,295
- Median age41.0
Common questions
Fannin County questions, answered from the record.
How many people live in Fannin County, Texas?
The Census Bureau estimates 38,650 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 37,326, in 12,767 households, ranking 85th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Fannin County's population growing?
The population has grown 7.85 percent since the 2020 census base of 35,837, to 38,650 on July 1, 2024. In 2024 there were 376 births against 499 deaths, with net migration of 913. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Fannin County?
$72,295. The median owner-occupied home is valued at $233,700, which is 3.2 times income, and median gross rent is $1,035 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Fannin County?
530 establishments, employing 5,892 people with an annual payroll of $270.1 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 Fannin County?
Retail trade is the largest private sector at 987 jobs, 11.4 percent of covered employment. Covered employment averages 8,689 jobs at an average annual pay of $55,486, or $1,067 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Fannin County?
30 7(a) approvals totaling $31.2 m since FY2020, across 20 lenders, with a median approval of $500,000, plus 6 504 approvals worth $6.4 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Fannin County?
109 housing units were authorized by permit in 2024, with a declared construction value of $25.5 m. Multifamily was 12.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Fannin 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 Fannin County come from?
The largest single origin is Collin County, with 292 households. Arriving households report an average income of $94,189 against $50,005 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Fannin 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 Fannin 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.
Fannin County
Cities and places in Fannin.
13 Census places lie wholly or partly in Fannin County. All 13 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 |
|---|---|---|---|---|
| Bonham | city | 10,697 | 14 | Wholly in this county |
| Leonard | city | 2,505 | 4 | Wholly in this county |
| Honey Grove | city | 1,824 | 2 | Wholly in this county |
| Whitewright | town | 1,659 | None recorded | 4.6 percent here, 95.4 percent Grayson County |
| Savoy | city | 1,010 | None recorded | Wholly in this county |
| Ector | city | 820 | None recorded | Wholly in this county |
| Trenton | city | 653 | 3 | Wholly in this county |
| Ladonia | town | 537 | None recorded | Wholly in this county |
| Dodd City | town | 503 | 1 | Wholly in this county |
| Ravenna | city | 272 | None recorded | Wholly in this county |
| Pecan Gap | city | 258 | None recorded | 11.0 percent here, 89.0 percent Delta County |
| Bailey | city | 198 | None recorded | Wholly in this county |
| Windom | town | 73 | 1 | Wholly in this county |
A further 5 of the county's 30 SBA 7(a) approvals are to borrowers in cities that match no Census place in Fannin County, the largest being Sherman (2), Telephone (1), Ivanhoe (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.
Nearby