Bells, Texas: commercial real estate data.
Bells is a Census town of 2,497 people across 2.12 square miles of land, in Grayson County. Median household income is $92,075, 70.1 percent of occupied homes are owned, and the SBA record carries 5 7(a) approvals to borrowers here worth $6.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Bells
What Bells is
- Census place typetown
- Land area2.12 sq mi
- Water area0 sq mi
- Population per square mile of land1,177
- County holding the largest share of its areaGrayson County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bells
How many people live in Bells
- Population2,497
- Median age33.6
- Population under 18821 plus or minus 228
- Share under 1832.9 percent plus or minus 7.1
- Population 65 and over192 plus or minus 77
- Share 65 and over7.7 percent plus or minus 2.8
- Households847
- Family households605
- Share of households that are families71.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bells
Income and work in Bells
- Median household income$92,075
- Per capita income$32,868
- Civilian labor force1,320
- Employed1,217
- Unemployed103 plus or minus 86
- Unemployment rate7.8 percent plus or minus 6.4
- Adults 25 and over1,502
- Adults 25 and over with a high school diploma or higher92.1 percent plus or minus 21.5
- Adults 25 and over with a bachelor degree or higher23.7 percent plus or minus 6.1
- Adults 25 and over with a graduate degree4.0 percent plus or minus 2.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bells
Housing in Bells
- Housing units934
- Occupied units847
- Vacant units87 plus or minus 57
- Vacancy rate9.3 percent plus or minus 5.9
- Owner occupied594 plus or minus 123
- Renter occupied253 plus or minus 88
- Ownership rate70.1 percent
- Median owner-occupied home value$232,400
- Median gross rent, monthly$981 plus or minus $436
- Annual rent as a share of median income12.8 percent plus or minus 6.1
- Single family units732
- Share single family78.4 percent
- Units in buildings of two or more132 plus or minus 79
- Share in buildings of two or more14.1 percent plus or minus 8.1
- Mobile homes70 plus or minus 49
- Median year structure built1986
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bells
How Bells gets to work
- Workers 16 and over who commute1,010 plus or minus 220
- Commuting under 15 minutes182 plus or minus 78
- Share commuting under 15 minutes18.0 percent plus or minus 6.7
- Commuting 30 minutes or more321 plus or minus 105
- Share commuting 30 minutes or more31.8 percent plus or minus 7.7
- Drove alone73.6 percent
- Carpooled12.6 percent plus or minus 5.7
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home13.2 percent plus or minus 6.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bells
SBA loans in Bells (7(a))
- Approvals5
- Gross approval$6,319,000
- Average approval$1,263,800
- Median approval$1,725,000
- Largest approval$2,474,000
- Jobs supported29
- Jobs per approval5.8
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term300 months
- Share on real estate terms of 20 years or more60.0 percent
- Share to franchises40.0 percent
- Distinct lenders4
- Distinct industries by NAICS4
Counted by borrower city: approvals to borrowers whose address is in Bells, in any county, FY2020 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Bells
Flood risk in Bells
- NFIP communityCity of Bells
- NFIP community number480830
- Participating in the NFIPNo
- Community Rating System classNone
- Currently effective map date09/29/10
The City of Bells does not participate in the National Flood Insurance Program as community 480830 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Grayson County, not Bells
Grayson County context, not Bells figures
- Establishments in Grayson County2,899
- Covered employment, Grayson County52,026
- Average annual pay, Grayson County$58,282
- Housing units permitted, Grayson County2,142
Every figure in this section is published for Grayson County as a whole and is not a measurement of Bells.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, 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 →
Common questions
Bells questions, answered from the record.
How many people live in Bells, Texas?
2,497, in 847 households. Bells town covers 2.12 square miles of land, which is 1,177 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Bells in?
Grayson County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Bells?
$92,075. The median owner-occupied home is valued at $232,400. Median gross rent is $981 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Bells businesses?
5 7(a) approvals totaling $6.3 m since FY2020, across 4 lenders, median approval $1,725,000. These count approvals to borrowers whose address is in Bells, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Bells borrowers get paid back?
No rate is published for Bells. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Bells in the National Flood Insurance Program?
No, it is listed but not participating. Bells appears in the FEMA Community Status Book as Bells, city of, community 480830, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Bells figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Grayson County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Bells.
Is zoning published for Bells?
No. Nothing on this page presents parcel level zoning.
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