Franklin County, Texas: commercial real estate data.
Franklin County, Texas had an estimated 10,912 residents on July 1, 2024, up 5.4 percent since the 2020 census base of 10,355, across 284 square miles. County output reached $657.9 m in 2024, 189 establishments operate here, and the SBA record carries 4 7(a) approvals worth $3.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Franklin County
How many people live in Franklin County
- Population, American Community Survey 2020-202410,632
- Households3,897
- Average household size2.73
- Median household income$72,360
- Median age43.2
- Median gross rent$936 per month
- Median owner-occupied home value$226,300
- Home value to household income3.1 times
- Annual rent as a share of median income15.5 percent
- Adults 25 and over with a bachelor degree or higher27.8 percent
- Adults 25 and over with a graduate degree9.8 percent
- Adults 25 and over7,459
- Population under 182,374
- Share under 1822.3 percent
- Population 65 and over2,375
- Share 65 and over22.3 percent
- Working age population, 18 to 645,883
- Civilian labor force4,966
- Unemployment rate4.4 percent
- Labor force participation, adults 18 and over60.1 percent
- Rank by population among Texas counties160th of 254
- Rank by population among US county-equivalents, Puerto Rico included2444th of 3,222
Franklin County is the 160th largest of 254 Texas counties by population. A median home costs 3.1 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 22.3 percent against 22.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Franklin County
Is Franklin County's population growing?
- Population, July 1, 202410,912
- Census 2020 base population10,355
- Population change since the 2020 census base5.38 percent
- Population change, 2023 to 2024175
- Births, 2024108
- Deaths, 2024132
- Natural change, 2024-24
- Net domestic migration, 2024134
- Net international migration, 202469
- Total net migration, 2024203
- Cumulative net domestic migration, 2021 to 2024519
- Rank by growth among US county-equivalents487th of 3,144
The county has grown 5.38 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.
Franklin County
Where are people moving to Franklin County from?
- Tax returns filed by households arriving431
- People arriving, from those returns813
- Tax returns filed by households leaving319
- Net household movement112
- Adjusted gross income arriving$26.7 m
- Net adjusted gross income movement$5.0 m
- Average income of an arriving household$61,893
- Average income of a leaving household$68,016
- Largest single originTitus County (58 households)
- Largest single destinationTitus County (44 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Titus County | 58 | 112 | $2.5 m |
| Wood County | 50 | 99 | $2.1 m |
| Hopkins County | 29 | 61 | $1.6 m |
| Collin County | 25 | 53 | $3.1 m |
| Dallas County | 22 | 38 | $1.2 m |
| Camp County | 20 | 39 | $734,000 |
Households arriving report $6,123 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Titus 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.
Franklin County
What is the Franklin County economy?
- County GDP, 2024$657.9 m
- County GDP, 2023$605.9 m
- GDP change, 2023 to 20248.6 percent
- GDP change over five years73.8 percent
- Rank by GDP among the Texas areas BEA publishes176th of 254
- Rank by GDP among the US county areas BEA publishes2202nd of 3,127
- GDP per resident$61,877
Output grew 8.6 percent in the latest year and 73.8 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.
Franklin County
Employment by industry in Franklin County
- Covered employment, annual average3,645
- Establishments reporting488
- Average annual pay$53,197
- Average weekly wage$1,023
- Health care and social assistance, employment897
- Health care and social assistance, average annual pay$77,207
- Transportation and warehousing, employment878
- Transportation and warehousing, average annual pay$53,747
- Retail trade, employment267
- Retail trade, average annual pay$31,050
- Construction, employment186
- Construction, average annual pay$43,449
- Professional, scientific and technical services, employment162
- Other services, except public administration, employment132
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 897 | 266 | $77,207 |
| Transportation and warehousing | 878 | 11 | $53,747 |
| Retail trade | 267 | 17 | $31,050 |
| Construction | 186 | 30 | $43,449 |
| Professional, scientific and technical services | 162 | 22 | $77,574 |
| Other services, except public administration | 132 | 22 | $27,510 |
| Manufacturing | 96 | 8 | $41,032 |
| Finance and insurance | 48 | 11 | $58,928 |
Health care and social assistance is the largest private sector at 897 jobs, 24.6 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Franklin County
How many businesses are in Franklin County?
- Establishments, all industries189
- Employment at those establishments6,208
- Annual payroll$137.5 m
- Establishments per 1,000 residents17.8
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.
Franklin County
Building permits in Franklin County
- Housing units authorized by permit, 20240
- Declared construction value permitted$0
- Single family units authorized0
- Multifamily units authorized0
No residential units were authorized by permit in 2024. In a small county this is common and is not by itself a sign of distress, but it does mean there is no recent residential pipeline to read demand from.
US Census Bureau, Building Permits Survey, 2024 annual.
Franklin County
SBA loans in Franklin County (7(a) and 504)
- 7(a) approvals recorded4
- 7(a) gross approval dollars$3.9 m
- Average 7(a) approval$963,750
- Median 7(a) approval$727,500
- Largest single approval$2,250,000
- Jobs reported supported, 7(a)20
- Jobs per approval5.0
- Distinct 7(a) lenders active3
- Distinct industries receiving approvals3
- Median 7(a) term190 months
- Share of loans on real estate terms, 240 months or longer50.0 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter1
- Franchise loans0
- Franchise share of approvals0.0 percent
- 504 approvals recorded1
- 504 gross approval dollars$239,000
- Average 504 approval$239,000
- Median 504 approval$239,000
- Distinct CDCs active1
- 504 jobs per approval1.0
- 504 jobs per million dollars approved4.2
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$4.1 m
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.
Franklin County
SBA loan default and charge-off rates in Franklin County
Do SBA loans in Franklin County get paid back?
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Exempt from disclosure3
- Status: Paid in full1
Only 1 loan has 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.
Franklin County
SBA lending by place in Franklin County
- Borrower cities with recorded lending2
- Mount Vernon, approvals2
- Scroggins, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Mount Vernon | 2 | $2,540,000 |
| Scroggins | 2 | $1,315,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Franklin County
How large is Franklin County?
- Land area284 sq mi
- Rank by land area among Texas counties246th of 254
- Width, east to west10.6 mi
- Height, north to south29.5 mi
- Geographies sharing a boundary6
- Residents per square mile of land37
- Establishments per square mile0.67
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.
Franklin County
Flood risk in Franklin County
- Participation of the county's own NFIP community Franklin County, unincorporated areasParticipating, community 480235
- Communities in the county in the NFIP Community Status Book2
- Of those, participating in the NFIP2
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Franklin 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 Franklin County (community 480235), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Franklin 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 Franklin 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 Franklin County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202410,632
- Households3,897
- Average household size2.73
- Median household income$72,360
- Median age43.2
Common questions
Franklin County questions, answered from the record.
How many people live in Franklin County, Texas?
The Census Bureau estimates 10,912 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 10,632, in 3,897 households, ranking 160th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Franklin County's population growing?
The population has grown 5.38 percent since the 2020 census base of 10,355, to 10,912 on July 1, 2024. In 2024 there were 108 births against 132 deaths, with net migration of 203. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Franklin County?
$72,360. The median owner-occupied home is valued at $226,300, which is 3.1 times income, and median gross rent is $936 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Franklin County?
189 establishments, employing 6,208 people with an annual payroll of $137.5 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 Franklin County?
Health care and social assistance is the largest private sector at 897 jobs, 24.6 percent of covered employment. Covered employment averages 3,645 jobs at an average annual pay of $53,197, or $1,023 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Franklin County?
4 7(a) approvals totaling $3.9 m since FY2020, across 3 lenders, with a median approval of $727,500, plus 1 504 approvals worth $239,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Franklin County?
No residential units were authorized by permit in 2024. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Franklin 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 Franklin County come from?
The largest single origin is Titus County, with 58 households. Arriving households report an average income of $61,893 against $68,016 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Franklin 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 Franklin 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.
Franklin County
Cities and places in Franklin.
2 Census places lie wholly or partly in Franklin County. All 2 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 |
|---|---|---|---|---|
| Winnsboro | city | 3,485 | None recorded | 25.3 percent here, 74.7 percent Wood County |
| Mount Vernon | town | 2,548 | 2 | Wholly in this county |
A further 2 of the county's 4 SBA 7(a) approvals are to borrowers in cities that match no Census place in Franklin County, the largest being Scroggins (2). 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