HomeTexasGregg CountyWhite Oak city
White Oak city, Texas: commercial real estate data.
White Oak city is a Census city of 6,235 people across 9.09 square miles of land, in Gregg County. Median household income is $101,027, 66.9 percent of occupied homes are owned, and the SBA record carries 8 7(a) approvals to borrowers here worth $4.9 m.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
White Oak
What White Oak is
- Census place typecity
- Land area9.09 sq mi
- Water area0.05 sq mi
- Population per square mile of land686
- County holding the largest share of its areaGregg 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.
White Oak
How many people live in White Oak
- Population6,235
- Median age32.5
- Population under 181,795 plus or minus 373
- Share under 1828.8 percent plus or minus 6.0
- Population 65 and over753 plus or minus 199
- Share 65 and over12.1 percent plus or minus 3.2
- Households2,096
- Family households1,790
- Share of households that are families85.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
White Oak
Income and work in White Oak
- Median household income$101,027
- Per capita income$30,841
- Civilian labor force2,883
- Employed2,740
- Unemployed143 plus or minus 165
- Unemployment rate5.0 percent plus or minus 5.7
- Adults 25 and over4,146
- Adults 25 and over with a high school diploma or higher90.5 percent
- Adults 25 and over with a bachelor degree or higher18.9 percent plus or minus 5.3
- Adults 25 and over with a graduate degree5.6 percent plus or minus 2.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
White Oak
Housing in White Oak
- Housing units2,310
- Occupied units2,096
- Vacant units214 plus or minus 154
- Vacancy rate9.3 percent plus or minus 6.6
- Owner occupied1,403
- Renter occupied693 plus or minus 241
- Ownership rate66.9 percent
- Median owner-occupied home value$235,000
- Median gross rent, monthly$1,194
- Annual rent as a share of median income14.2 percent plus or minus 3.0
- Single family units1,591
- Share single family68.9 percent
- Units in buildings of two or more375 plus or minus 220
- Share in buildings of two or more16.2 percent plus or minus 9.3
- Mobile homes344 plus or minus 201
- Median year structure built1982
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
White Oak
How White Oak gets to work
- Workers 16 and over who commute2,513
- Commuting under 15 minutes768 plus or minus 267
- Share commuting under 15 minutes30.6 percent plus or minus 10.0
- Commuting 30 minutes or more533 plus or minus 198
- Share commuting 30 minutes or more21.2 percent plus or minus 7.5
- Drove alone87.4 percent
- Carpooled4.3 percent plus or minus 4.0
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home6.0 percent plus or minus 2.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
White Oak
SBA loans in White Oak (7(a))
- Approvals8
- Gross approval$4,878,400
- Average approval$609,800
- Median approval$651,400
- Ninetieth percentile approval$1,306,000
- Largest approval$1,306,000
- Jobs supported103
- Jobs per approval12.9
- Loans with a final outcome2
- Paid in full1
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders8
- Distinct industries by NAICS8
A charge-off rate is not published here. only 2 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
White Oak
SBA loans in White Oak (504)
- Approvals1
- Gross approval$337,000
- Average approval$337,000
- Median approval$337,000
- Largest approval$337,000
- Jobs supported2
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
White Oak
Flood risk in White Oak
- Listed NFIP communities1
- Of those, participating1
- NFIP community number480841
- Currently effective map date09/03/14
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Gregg County, not White Oak
Gregg County context, not White Oak figures
These are Gregg County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as White Oak measurements.
- Establishments in Gregg County4,040
- Employment at those establishments, Gregg County67,607
- Covered employment, Gregg County74,876
- Average annual pay, Gregg County$58,579
- Average weekly wage, Gregg County$1,127
- Housing units permitted, Gregg County192
- Of those, single family, Gregg County174
- County product, 2024, Gregg County$10,511,305,000
- County product change over the prior year, Gregg County2.0 percent
- Average income of an arriving household, Gregg County$53,300
Every figure in this section is published for Gregg County as a whole and is not a measurement of White Oak. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
White Oak questions, answered from the record.
How many people live in White Oak, Texas?
6,235, in 2,096 households. White Oak city covers 9.09 square miles of land, which is 686 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is White Oak in?
Gregg 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 White Oak?
$101,027. The median owner-occupied home is valued at $235,000. Median gross rent is $1,194 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to White Oak businesses?
8 7(a) approvals totalling $4.9 m, across 8 lenders, median approval $651,400, plus 1 504 approvals worth $337,000. These count approvals to borrowers whose address is in White Oak, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to White Oak borrowers get paid back?
No rate is published for White Oak. only 2 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is White Oak in the National Flood Insurance Program?
Yes. White Oak appears in the FEMA Community Status Book as community 480841, 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 White Oak figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Gregg 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 White Oak.
Is zoning published for White Oak?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
Nearby