Gaines County, Texas: commercial real estate data.
Gaines County, Texas had an estimated 22,892 residents on July 1, 2024, up 6.0 percent since the 2020 census base of 21,602, across 1,502 square miles. County output reached $2.33 bn in 2024, 532 establishments operate here, and the SBA record carries 13 7(a) approvals worth $9.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Gaines County
How many people live in Gaines County
- Population, American Community Survey 2020-202422,232
- Households6,929
- Average household size3.21
- Median household income$74,132
- Median age29.3
- Median gross rent$789 per month
- Median owner-occupied home value$200,700
- Home value to household income2.7 times
- Annual rent as a share of median income12.8 percent
- Adults 25 and over with a bachelor degree or higher11.7 percent
- Adults 25 and over with a graduate degree2.1 percent
- Adults 25 and over11,793
- Population under 187,961
- Share under 1835.8 percent
- Population 65 and over2,151
- Share 65 and over9.7 percent
- Working age population, 18 to 6412,120
- Civilian labor force9,327
- Unemployment rate2.4 percent
- Labor force participation, adults 18 and over65.4 percent
- Rank by population among Texas counties109th of 254
- Rank by population among US county-equivalents, Puerto Rico included1763rd of 3,222
Gaines County is the 109th largest of 254 Texas counties by population. A median home costs 2.7 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 35.8 percent against 9.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Gaines County
Is Gaines County's population growing?
- Population, July 1, 202422,892
- Census 2020 base population21,602
- Population change since the 2020 census base5.97 percent
- Population change, 2023 to 2024368
- Births, 2024476
- Deaths, 2024145
- Natural change, 2024331
- Net domestic migration, 2024-41
- Net international migration, 202476
- Total net migration, 202435
- Cumulative net domestic migration, 2021 to 2024-253
- Rank by growth among US county-equivalents413th of 3,144
The county has grown 5.97 percent since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Gaines County
Where are people moving to Gaines County from?
- Tax returns filed by households arriving348
- People arriving, from those returns807
- Tax returns filed by households leaving398
- Net household movement-50
- Adjusted gross income arriving$18.8 m
- Net adjusted gross income movement$-3.9 m
- Average income of an arriving household$54,132
- Average income of a leaving household$57,143
- Largest single originLea County (47 households)
- Largest single destinationLubbock County (60 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Lea County | 47 | 115 | $3.5 m |
| Lubbock County | 43 | 91 | $1.9 m |
| Yoakum County | 31 | 75 | $1.2 m |
Households arriving report $3,011 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Lea 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.
Gaines County
What is the Gaines County economy?
- County GDP, 2024$2.33 bn
- County GDP, 2023$2.54 bn
- GDP change, 2023 to 2024-8.4 percent
- GDP change over five years66.4 percent
- Rank by GDP among the Texas areas BEA publishes98th of 254
- Rank by GDP among the US county areas BEA publishes1164th of 3,127
- GDP per resident$104,614
Output grew -8.4 percent in the latest year and 66.4 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.
Gaines County
Employment by industry in Gaines County
- Covered employment, annual average6,744
- Establishments reporting683
- Average annual pay$61,568
- Average weekly wage$1,184
- Construction, employment803
- Construction, average annual pay$73,255
- Retail trade, employment755
- Retail trade, average annual pay$39,691
- Mining, quarrying, and oil and gas extraction, employment629
- Mining, quarrying, and oil and gas extraction, average annual pay$92,584
- Agriculture, forestry, fishing and hunting, employment619
- Agriculture, forestry, fishing and hunting, average annual pay$55,538
- Wholesale trade, employment486
- Accommodation and food services, employment423
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Construction | 803 | 96 | $73,255 |
| Retail trade | 755 | 78 | $39,691 |
| Mining, quarrying, and oil and gas extraction | 629 | 35 | $92,584 |
| Agriculture, forestry, fishing and hunting | 619 | 120 | $55,538 |
| Wholesale trade | 486 | 51 | $79,066 |
| Accommodation and food services | 423 | 37 | $22,881 |
| Transportation and warehousing | 303 | 36 | $88,647 |
| Manufacturing | 279 | 18 | $73,539 |
Construction is the largest private sector at 803 jobs, 11.9 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Gaines County
How many businesses are in Gaines County?
- Establishments, all industries532
- Employment at those establishments5,154
- Annual payroll$303.1 m
- Establishments per 1,000 residents23.9
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.
Gaines County
Building permits in Gaines County
- Housing units authorized by permit, 202411
- Declared construction value permitted$3.3 m
- Single family units authorized11
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$302,641
- Units authorized per 1,000 households1.6
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Gaines County
SBA loans in Gaines County (7(a) and 504)
- 7(a) approvals recorded13
- 7(a) gross approval dollars$9.0 m
- Average 7(a) approval$690,762
- Median 7(a) approval$350,000
- Largest single approval$2,955,400
- Jobs reported supported, 7(a)69
- Jobs per approval5.3
- Distinct 7(a) lenders active10
- Distinct industries receiving approvals12
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer15.4 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter10
- Franchise loans0
- Franchise share of approvals0.0 percent
- Most active lenderAmerican Momentum Bank (3)
- 504 approvals recorded3
- 504 gross approval dollars$1.7 m
- Average 504 approval$581,333
- Median 504 approval$383,000
- Distinct CDCs active2
- 504 jobs per approval3.3
- 504 jobs per million dollars approved5.7
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$10.7 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.
Gaines County
SBA loan default and charge-off rates in Gaines County
Do SBA loans in Gaines County get paid back?
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Cancelled3
- Status: Exempt from disclosure7
- Status: Paid in full1
- Status: Committed, not yet disbursed2
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.
Gaines County
How large is Gaines County?
- Land area1,502 sq mi
- Rank by land area among Texas counties19th of 254
- Width, east to west50.2 mi
- Height, north to south30.2 mi
- Geographies sharing a boundary6
- Residents per square mile of land15
- Establishments per square mile0.35
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.
Gaines County
Flood risk in Gaines County
- Participation of the county's own NFIP community Gaines County, unincorporated areasParticipating, community 481219
- 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 Gaines 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 Gaines County (community 481219), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Gaines 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 Gaines 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 Gaines County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202422,232
- Households6,929
- Average household size3.21
- Median household income$74,132
- Median age29.3
Common questions
Gaines County questions, answered from the record.
How many people live in Gaines County, Texas?
The Census Bureau estimates 22,892 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 22,232, in 6,929 households, ranking 109th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Gaines County's population growing?
The population has grown 5.97 percent since the 2020 census base of 21,602, to 22,892 on July 1, 2024. In 2024 there were 476 births against 145 deaths, with net migration of 35. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Gaines County?
$74,132. The median owner-occupied home is valued at $200,700, which is 2.7 times income, and median gross rent is $789 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Gaines County?
532 establishments, employing 5,154 people with an annual payroll of $303.1 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 Gaines County?
Construction is the largest private sector at 803 jobs, 11.9 percent of covered employment. Covered employment averages 6,744 jobs at an average annual pay of $61,568, or $1,184 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Gaines County?
13 7(a) approvals totaling $9.0 m since FY2020, across 10 lenders, with a median approval of $350,000, plus 3 504 approvals worth $1.7 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Gaines County?
11 housing units were authorized by permit in 2024, with a declared construction value of $3.3 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Gaines 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 Gaines County come from?
The largest single origin is Lea County, with 47 households. Arriving households report an average income of $54,132 against $57,143 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Gaines 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 Gaines 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.
Gaines County
Cities and places in Gaines.
4 Census places lie wholly or partly in Gaines County. All 4 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 |
|---|---|---|---|---|
| Seminole | city | 7,184 | 13 | Wholly in this county |
| Denver City | town | 4,368 | None recorded | 8.3 percent here, 91.7 percent Yoakum County |
| Seagraves | city | 2,691 | None recorded | Wholly in this county |
| Loop | CDP | 128 | None recorded | Wholly in this county |
Nearby