Garza County, Texas: commercial real estate data.
Garza County, Texas had an estimated 4,645 residents on July 1, 2024, down 20.2 percent since the 2020 census base of 5,818, across 893 square miles. County output reached $281.6 m in 2024, 129 establishments operate here, and the SBA record carries 3 7(a) approvals worth $532,900 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Garza County
How many people live in Garza County
- Population, American Community Survey 2020-20245,118
- Households1,463
- Average household size3.50
- Median household income$46,314
- Median age35.4
- Median gross rent$838 per month
- Median owner-occupied home value$77,800
- Home value to household income1.7 times
- Annual rent as a share of median income21.7 percent
- Adults 25 and over with a bachelor degree or higher10.2 percent
- Adults 25 and over with a graduate degree3.0 percent
- Adults 25 and over3,523
- Population under 18816
- Share under 1815.9 percent
- Population 65 and over763
- Share 65 and over14.9 percent
- Working age population, 18 to 643,539
- Civilian labor force1,918
- Unemployment rate11.5 percent
- Labor force participation, adults 18 and over44.6 percent
- Rank by population among Texas counties201st of 254
- Rank by population among US county-equivalents, Puerto Rico included2890th of 3,222
Garza County is the 201st largest of 254 Texas counties by population. A median home costs 1.7 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 15.9 percent against 14.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Garza County
Is Garza County's population growing?
- Population, July 1, 20244,645
- Census 2020 base population5,818
- Population change since the 2020 census base-20.16 percent
- Population change, 2023 to 202455
- Births, 202452
- Deaths, 202476
- Natural change, 2024-24
- Net domestic migration, 2024-30
- Net international migration, 2024108
- Total net migration, 202478
- Cumulative net domestic migration, 2021 to 2024-1,577
- Rank by growth among US county-equivalents3143rd of 3,144
The county has lost 20.16 percent of its population 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.
Garza County
Where are people moving to Garza County from?
- Tax returns filed by households arriving89
- People arriving, from those returns169
- Tax returns filed by households leaving101
- Net household movement-12
- Adjusted gross income arriving$4.5 m
- Net adjusted gross income movement$-69,000
- Average income of an arriving household$50,247
- Average income of a leaving household$44,960
- Largest single originLubbock County (51 households)
- Largest single destinationLubbock County (41 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Lubbock County | 51 | 99 | $2.2 m |
Households arriving report $5,287 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 Lubbock 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.
Garza County
What is the Garza County economy?
- County GDP, 2024$281.6 m
- County GDP, 2023$296.5 m
- GDP change, 2023 to 2024-5.0 percent
- GDP change over five years56.2 percent
- Rank by GDP among the Texas areas BEA publishes222nd of 254
- Rank by GDP among the US county areas BEA publishes2739th of 3,127
- GDP per resident$55,013
Output grew -5.0 percent in the latest year and 56.2 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.
Garza County
Employment by industry in Garza County
- Covered employment, annual average1,634
- Establishments reporting178
- Average annual pay$52,127
- Average weekly wage$1,002
- Administrative and support and waste management services, employment272
- Administrative and support and waste management services, average annual pay$74,334
- Mining, quarrying, and oil and gas extraction, employment238
- Mining, quarrying, and oil and gas extraction, average annual pay$77,336
- Retail trade, employment177
- Retail trade, average annual pay$24,681
- Health care and social assistance, employment96
- Health care and social assistance, average annual pay$36,798
- Agriculture, forestry, fishing and hunting, employment58
- Other services, except public administration, employment51
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Administrative and support and waste management services | 272 | 8 | $74,334 |
| Mining, quarrying, and oil and gas extraction | 238 | 24 | $77,336 |
| Retail trade | 177 | 18 | $24,681 |
| Health care and social assistance | 96 | 8 | $36,798 |
| Agriculture, forestry, fishing and hunting | 58 | 24 | $31,691 |
| Other services, except public administration | 51 | 12 | $29,132 |
| Transportation and warehousing | 50 | 5 | $112,033 |
| Wholesale trade | 45 | 8 | $71,039 |
Administrative and support and waste management services is the largest private sector at 272 jobs, 16.6 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Garza County
How many businesses are in Garza County?
- Establishments, all industries129
- Employment at those establishments1,303
- Annual payroll$66.1 m
- Establishments per 1,000 residents25.2
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.
Garza County
Building permits in Garza County
- Housing units authorized by permit, 20247
- Declared construction value permitted$1.4 m
- Single family units authorized7
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$202,314
- Units authorized per 1,000 households4.8
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.
Garza County
SBA loans in Garza County (7(a) and 504)
- 7(a) approvals recorded3
- 7(a) gross approval dollars$532,900
- Average 7(a) approval$177,633
- Median 7(a) approval$150,000
- Largest single approval$342,900
- Jobs reported supported, 7(a)19
- Jobs per approval6.3
- Distinct 7(a) lenders active2
- Distinct industries receiving approvals2
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer33.3 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter2
- Franchise loans0
- Franchise share of approvals0.0 percent
- 504 approvals recorded1
- 504 gross approval dollars$1.0 m
- Average 504 approval$1,049,000
- Median 504 approval$1,049,000
- Distinct CDCs active1
- 504 jobs per approval0.0
- 504 jobs per million dollars approved0.0
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$1.6 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.
Garza County
SBA loan default and charge-off rates in Garza County
Do SBA loans in Garza County get paid back?
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure3
Only 0 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.
Garza County
How large is Garza County?
- Land area893 sq mi
- Rank by land area among Texas counties157th of 254
- Width, east to west30.1 mi
- Height, north to south30.1 mi
- Geographies sharing a boundary5
- Residents per square mile of land6
- Establishments per square mile0.14
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.
Garza County
Flood risk in Garza County
- Participation of the county's own NFIP community Garza County, unincorporated areasParticipating, community 481220
- 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 Garza County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The county's own community in the status book, unincorporated Garza County (community 481220), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Garza County in radon zone 2, a predicted average indoor radon screening level from 2 to 4 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 Garza 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 Garza County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-20245,118
- Households1,463
- Average household size3.50
- Median household income$46,314
- Median age35.4
Common questions
Garza County questions, answered from the record.
How many people live in Garza County, Texas?
The Census Bureau estimates 4,645 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 5,118, in 1,463 households, ranking 201st of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Garza County's population growing?
The population has fallen 20.16 percent since the 2020 census base of 5,818, to 4,645 on July 1, 2024. In 2024 there were 52 births against 76 deaths, with net migration of 78. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Garza County?
$46,314. The median owner-occupied home is valued at $77,800, which is 1.7 times income, and median gross rent is $838 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Garza County?
129 establishments, employing 1,303 people with an annual payroll of $66.1 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 Garza County?
Administrative and support and waste management services is the largest private sector at 272 jobs, 16.6 percent of covered employment. Covered employment averages 1,634 jobs at an average annual pay of $52,127, or $1,002 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Garza County?
3 7(a) approvals totaling $532,900 since FY2020, across 2 lenders, with a median approval of $150,000, plus 1 504 approvals worth $1.0 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Garza County?
7 housing units were authorized by permit in 2024, with a declared construction value of $1.4 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Garza County?
Zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Garza County come from?
The largest single origin is Lubbock County, with 51 households. Arriving households report an average income of $50,247 against $44,960 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Garza 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 Garza 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.
Garza County
Cities and places in Garza.
1 Census place lies wholly or partly in Garza County. It carries enough published place level data for a page of its own and is linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Post | city | 4,326 | 3 | Wholly in this county |
Nearby