Grayson County, Texas: commercial real estate data.
Grayson County, Texas had an estimated 150,532 residents on July 1, 2024, up 11.0 percent since the 2020 census base of 135,592, across 933 square miles. County output reached $8.37 bn in 2024, 2,899 establishments operate here, and the SBA record carries 145 7(a) approvals worth $147.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Grayson County
How many people live in Grayson County
- Population, American Community Survey 2020-2024143,337
- Households55,248
- Average household size2.59
- Median household income$72,182
- Median age39.0
- Median gross rent$1,310 per month
- Median owner-occupied home value$248,400
- Home value to household income3.4 times
- Annual rent as a share of median income21.8 percent
- Adults 25 and over with a bachelor degree or higher23.9 percent
- Adults 25 and over with a graduate degree7.8 percent
- Adults 25 and over96,958
- Population under 1834,451
- Share under 1824.0 percent
- Population 65 and over25,876
- Share 65 and over18.1 percent
- Working age population, 18 to 6483,010
- Civilian labor force70,551
- Unemployment rate3.1 percent
- Labor force participation, adults 18 and over64.8 percent
- Rank by population among Texas counties35th of 254
- Rank by population among US county-equivalents, Puerto Rico included473rd of 3,222
Grayson County is the 35th largest of 254 Texas counties by population. A median home costs 3.4 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 24.0 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.
Grayson County
Is Grayson County's population growing?
- Population, July 1, 2024150,532
- Census 2020 base population135,592
- Population change since the 2020 census base11.02 percent
- Population change, 2023 to 20243,476
- Births, 20241,690
- Deaths, 20241,661
- Natural change, 202429
- Net domestic migration, 20243,025
- Net international migration, 2024430
- Total net migration, 20243,455
- Cumulative net domestic migration, 2021 to 202413,785
- Rank by growth among US county-equivalents129th of 3,144
The county has grown 11.02 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.
Grayson County
Where are people moving to Grayson County from?
- Tax returns filed by households arriving5,079
- People arriving, from those returns10,172
- Tax returns filed by households leaving3,737
- Net household movement1,342
- Adjusted gross income arriving$392.8 m
- Net adjusted gross income movement$154.7 m
- Average income of an arriving household$77,347
- Average income of a leaving household$63,730
- Largest single originCollin County (1,335 households)
- Largest single destinationCollin County (639 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Collin County | 1,335 | 2,855 | $139.5 m |
| Denton County | 545 | 1,178 | $45.7 m |
| Dallas County | 356 | 651 | $21.1 m |
| Tarrant County | 211 | 382 | $15.1 m |
| Fannin County | 194 | 413 | $8.8 m |
| Cooke County | 177 | 368 | $9.3 m |
| Bryan County | 166 | 286 | $7.6 m |
| Hunt County | 48 | 86 | $1.5 m |
Households arriving report $13,617 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.
Grayson County
What is the Grayson County economy?
- County GDP, 2024$8.37 bn
- County GDP, 2023$7.74 bn
- GDP change, 2023 to 20248.2 percent
- GDP change over five years59.5 percent
- Rank by GDP among the Texas areas BEA publishes40th of 254
- Rank by GDP among the US county areas BEA publishes510th of 3,127
- GDP per resident$58,394
Output grew 8.2 percent in the latest year and 59.5 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.
Grayson County
Employment by industry in Grayson County
- Covered employment, annual average52,026
- Establishments reporting3,223
- Average annual pay$58,282
- Average weekly wage$1,121
- Health care and social assistance, employment9,322
- Health care and social assistance, average annual pay$65,981
- Manufacturing, employment8,058
- Manufacturing, average annual pay$77,689
- Retail trade, employment6,305
- Retail trade, average annual pay$39,862
- Accommodation and food services, employment5,164
- Accommodation and food services, average annual pay$22,659
- Construction, employment3,653
- Administrative and support and waste management services, employment2,918
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 9,322 | 546 | $65,981 |
| Manufacturing | 8,058 | 142 | $77,689 |
| Retail trade | 6,305 | 406 | $39,862 |
| Accommodation and food services | 5,164 | 251 | $22,659 |
| Construction | 3,653 | 330 | $69,757 |
| Administrative and support and waste management services | 2,918 | 160 | $50,915 |
| Professional, scientific and technical services | 1,350 | 294 | $65,997 |
| Wholesale trade | 1,317 | 147 | $82,041 |
Health care and social assistance is the largest private sector at 9,322 jobs, 17.9 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Grayson County
How many businesses are in Grayson County?
- Establishments, all industries2,899
- Employment at those establishments42,994
- Annual payroll$2.15 bn
- Establishments per 1,000 residents20.2
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.
Grayson County
Building permits in Grayson County
- Housing units authorized by permit, 20242,142
- Declared construction value permitted$506.5 m
- Single family units authorized1,368
- Multifamily units authorized774
- Multifamily share of units36.1 percent
- Average declared value per unit$236,468
- Units authorized per 1,000 households38.8
Single-family homes are 63.9 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Grayson County
SBA loans in Grayson County (7(a) and 504)
- 7(a) approvals recorded145
- 7(a) gross approval dollars$147.7 m
- Average 7(a) approval$1,018,846
- Median 7(a) approval$403,500
- 10th percentile approval$82,000
- 90th percentile approval$3,016,200
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)1,662
- Jobs per approval11.5
- Distinct 7(a) lenders active54
- Distinct industries receiving approvals71
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer31.0 percent
- Loans on real estate terms45
- Loans on working capital terms, 120 months or shorter92
- Franchise loans40
- Franchise share of approvals27.6 percent
- Leading industry by approval countGasoline Stations with Convenience Stores (10)
- Most active lenderMetro City Bank (13)
- 504 approvals recorded17
- 504 gross approval dollars$19.5 m
- Average 504 approval$1,148,765
- Median 504 approval$582,000
- Distinct CDCs active5
- 504 jobs per approval12.5
- 504 jobs per million dollars approved10.9
- Most active CDCCapital Certified Development Corporation (7)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$167.3 m
The average approval of $1,018,846 sits well above the median of $403,500, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. 31.0 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.
Grayson County
SBA loan default and charge-off rates in Grayson County
Do SBA loans in Grayson County get paid back?
- Loans with a final outcome recorded22
- Paid in full21
- Charged off1
- Status: Paid in full21
- Status: Exempt from disclosure93
- Status: Cancelled24
- Status: Charged off1
- Status: Committed, not yet disbursed6
Only 22 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.
Grayson County
SBA lending by place in Grayson County
- Borrower cities with recorded lending16
- Sherman, approvals55
- Denison, approvals37
- Van Alstyne, approvals10
- Whitesboro, approvals8
- Gunter, approvals7
- Pottsboro, approvals6
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Sherman | 55 | $49,935,700 |
| Denison | 37 | $46,288,200 |
| Van Alstyne | 10 | $10,144,600 |
| Whitesboro | 8 | $5,580,600 |
| Gunter | 7 | $6,505,000 |
| Pottsboro | 6 | $9,900,800 |
| Bells | 5 | $6,319,000 |
| Collinsville | 4 | $3,516,000 |
| 8 other borrower cities | 13 | $9,542,800 |
Sherman accounts for 55 approvals against 37 in Denison. 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.
Grayson County
How large is Grayson County?
- Land area933 sq mi
- Rank by land area among Texas counties95th of 254
- Width, east to west32.5 mi
- Height, north to south38.8 mi
- Geographies sharing a boundary7
- Residents per square mile of land154
- Establishments per square mile3.11
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.
Grayson County
Flood risk in Grayson County
- Participation of the county's own NFIP community Grayson County, unincorporated areasParticipating, community 480829
- Communities in the county in the NFIP Community Status Book16
- Of those, participating in the NFIP11
- NFIP participation rate68.8 percent
- Communities carrying a CRS class0
- Radon levels in Grayson 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 Grayson County (community 480829), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Grayson 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. 68.8 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 Grayson 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 Grayson County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024143,337
- Households55,248
- Average household size2.59
- Median household income$72,182
- Median age39.0
Common questions
Grayson County questions, answered from the record.
How many people live in Grayson County, Texas?
The Census Bureau estimates 150,532 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 143,337, in 55,248 households, ranking 35th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Grayson County's population growing?
The population has grown 11.02 percent since the 2020 census base of 135,592, to 150,532 on July 1, 2024. In 2024 there were 1,690 births against 1,661 deaths, with net migration of 3,455. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Grayson County?
$72,182. The median owner-occupied home is valued at $248,400, which is 3.4 times income, and median gross rent is $1,310 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Grayson County?
2,899 establishments, employing 42,994 people with an annual payroll of $2.15 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Grayson County?
Health care and social assistance is the largest private sector at 9,322 jobs, 17.9 percent of covered employment. Covered employment averages 52,026 jobs at an average annual pay of $58,282, or $1,121 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Grayson County?
145 7(a) approvals totaling $147.7 m since FY2020, across 54 lenders, with a median approval of $403,500, plus 17 504 approvals worth $19.5 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Grayson County?
2,142 housing units were authorized by permit in 2024, with a declared construction value of $506.5 m. Multifamily was 36.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Grayson 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 Grayson County come from?
The largest single origin is Collin County, with 1,335 households. Arriving households report an average income of $77,347 against $63,730 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Grayson 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 Grayson 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.
Grayson County
Cities and places in Grayson.
18 Census places lie wholly or partly in Grayson County. All 18 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 |
|---|---|---|---|---|
| Sherman | city | 46,397 | 55 | Wholly in this county |
| Denison | city | 25,778 | 37 | Wholly in this county |
| Van Alstyne | city | 5,952 | 10 | Wholly in this county |
| Whitesboro | city | 4,173 | 8 | Wholly in this county |
| Howe | town | 3,689 | 3 | Wholly in this county |
| Pottsboro | town | 2,691 | 6 | Wholly in this county |
| Bells | town | 2,497 | 5 | Wholly in this county |
| Gunter | city | 2,398 | 7 | Wholly in this county |
| Collinsville | town | 2,060 | 4 | Wholly in this county |
| Preston | CDP | 1,747 | None recorded | Wholly in this county |
| Whitewright | town | 1,659 | 1 | 95.4 percent here, 4.6 percent Fannin County |
| Southmayd | city | 1,413 | None recorded | Wholly in this county |
| Tioga | town | 1,322 | 3 | Wholly in this county |
| Sherwood Shores | CDP | 830 | None recorded | Wholly in this county |
| Tom Bean | city | 799 | None recorded | Wholly in this county |
| Knollwood | city | 701 | None recorded | Wholly in this county |
| Sadler | city | 230 | None recorded | Wholly in this county |
| Dorchester | city | 64 | None recorded | Wholly in this county |
A further 6 of the county's 145 SBA 7(a) approvals are to borrowers in cities that match no Census place in Grayson County, the largest being Gordonville (2), Farmers Branch (1), Pilot Point (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.