HomeTexasGregg CountyWhite Oak
White Oak, Texas: commercial real estate data.
White Oak 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 since FY2020.
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$510,200
- 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
Counted by borrower city: approvals to borrowers whose address is in White Oak, in any county, FY2020 to FY2026. Only 2 loans have 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.
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
Counted by borrower city: approvals to borrowers whose address is in White Oak, in any county, FY2010 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
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
- NFIP communityCity of White Oak
- NFIP community number480841
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/03/14
The City of White Oak participates in the National Flood Insurance Program as community 480841 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.
Gregg County, not White Oak
Gregg County context, not White Oak figures
- Establishments in Gregg County4,040
- Covered employment, Gregg County74,876
- Average annual pay, Gregg County$58,579
- Housing units permitted, Gregg County192
Every figure in this section is published for Gregg County as a whole and is not a measurement of White Oak.
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
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 totaling $4.9 m since FY2020, across 8 lenders, median approval $510,200, plus 1 504 approvals worth $337,000 since FY2010. 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 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. 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 White Oak, city of, 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 labeled 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?
No. Nothing on this page presents parcel level zoning.
Nearby