Hardin County, Texas: commercial real estate data.
Hardin County, Texas had an estimated 58,670 residents on July 1, 2024, up 4.3 percent since the 2020 census base of 56,237, across 891 square miles. County output reached $1.85 bn in 2024, 872 establishments operate here, and the SBA record carries 30 7(a) approvals worth $26.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Hardin County
How many people live in Hardin County
- Population, American Community Survey 2020-202457,642
- Households22,222
- Average household size2.59
- Median household income$75,808
- Median age39.4
- Median gross rent$1,049 per month
- Median owner-occupied home value$205,700
- Home value to household income2.7 times
- Annual rent as a share of median income16.6 percent
- Adults 25 and over with a bachelor degree or higher21.0 percent
- Adults 25 and over with a graduate degree5.3 percent
- Adults 25 and over39,160
- Population under 1814,263
- Share under 1824.7 percent
- Population 65 and over10,209
- Share 65 and over17.7 percent
- Working age population, 18 to 6433,170
- Civilian labor force26,297
- Unemployment rate5.4 percent
- Labor force participation, adults 18 and over60.6 percent
- Rank by population among Texas counties61st of 254
- Rank by population among US county-equivalents, Puerto Rico included924th of 3,222
Hardin County is the 61st largest of 254 Texas counties by population. A median home costs 2.7 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 24.7 percent against 17.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Hardin County
Is Hardin County's population growing?
- Population, July 1, 202458,670
- Census 2020 base population56,237
- Population change since the 2020 census base4.33 percent
- Population change, 2023 to 2024443
- Births, 2024670
- Deaths, 2024683
- Natural change, 2024-13
- Net domestic migration, 2024413
- Net international migration, 202444
- Total net migration, 2024457
- Cumulative net domestic migration, 2021 to 20242,349
- Rank by growth among US county-equivalents637th of 3,144
The county has grown 4.33 percent 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.
Hardin County
Where are people moving to Hardin County from?
- Tax returns filed by households arriving1,731
- People arriving, from those returns3,662
- Tax returns filed by households leaving1,509
- Net household movement222
- Adjusted gross income arriving$109.3 m
- Net adjusted gross income movement$23.8 m
- Average income of an arriving household$63,149
- Average income of a leaving household$56,639
- Largest single originJefferson County (524 households)
- Largest single destinationJefferson County (411 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Jefferson County | 524 | 1,091 | $38.0 m |
| Harris County | 126 | 244 | $7.4 m |
| Orange County | 123 | 223 | $6.8 m |
| Jasper County | 106 | 228 | $6.0 m |
| Tyler County | 90 | 183 | $4.3 m |
| Liberty County | 48 | 121 | $3.2 m |
| Montgomery County | 37 | 85 | $2.1 m |
| Galveston County | 29 | 63 | $2.1 m |
Households arriving report $6,510 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 Jefferson 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.
Hardin County
What is the Hardin County economy?
- County GDP, 2024$1.85 bn
- County GDP, 2023$1.74 bn
- GDP change, 2023 to 20246.4 percent
- GDP change over five years37.9 percent
- Rank by GDP among the Texas areas BEA publishes114th of 254
- Rank by GDP among the US county areas BEA publishes1351st of 3,127
- GDP per resident$32,151
Output grew 6.4 percent in the latest year and 37.9 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.
Hardin County
Employment by industry in Hardin County
- Covered employment, annual average12,197
- Establishments reporting974
- Average annual pay$52,391
- Average weekly wage$1,008
- Retail trade, employment2,079
- Retail trade, average annual pay$44,277
- Construction, employment1,495
- Construction, average annual pay$82,543
- Accommodation and food services, employment1,450
- Accommodation and food services, average annual pay$18,816
- Health care and social assistance, employment992
- Health care and social assistance, average annual pay$44,358
- Manufacturing, employment911
- Other services, except public administration, employment458
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 2,079 | 146 | $44,277 |
| Construction | 1,495 | 120 | $82,543 |
| Accommodation and food services | 1,450 | 94 | $18,816 |
| Health care and social assistance | 992 | 84 | $44,358 |
| Manufacturing | 911 | 31 | $71,472 |
| Other services, except public administration | 458 | 67 | $60,484 |
| Professional, scientific and technical services | 421 | 72 | $64,942 |
| Wholesale trade | 303 | 27 | $66,521 |
Retail trade is the largest private sector at 2,079 jobs, 17.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Hardin County
How many businesses are in Hardin County?
- Establishments, all industries872
- Employment at those establishments8,993
- Annual payroll$431.9 m
- Establishments per 1,000 residents15.1
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.
Hardin County
Building permits in Hardin County
- Housing units authorized by permit, 2024315
- Declared construction value permitted$93.9 m
- Single family units authorized315
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$298,067
- Units authorized per 1,000 households14.2
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.
Hardin County
SBA loans in Hardin County (7(a) and 504)
- 7(a) approvals recorded30
- 7(a) gross approval dollars$26.7 m
- Average 7(a) approval$889,397
- Median 7(a) approval$325,000
- 10th percentile approval$64,800
- 90th percentile approval$1,949,670
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)394
- Jobs per approval13.1
- Distinct 7(a) lenders active16
- Distinct industries receiving approvals21
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer26.7 percent
- Loans on real estate terms8
- Loans on working capital terms, 120 months or shorter17
- Franchise loans6
- Franchise share of approvals20.0 percent
- Leading industry by approval countNew Car Dealers (5)
- Most active lenderHancock Whitney Bank (5)
- 504 approvals recorded8
- 504 gross approval dollars$7.5 m
- Average 504 approval$935,375
- Median 504 approval$520,500
- Distinct CDCs active3
- 504 jobs per approval14.9
- 504 jobs per million dollars approved15.9
- Most active CDCSoutheast Texas Economic Development Foundation (5)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$34.2 m
The average approval of $889,397 sits well above the median of $325,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 26.7 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
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.
Hardin County
SBA loan default and charge-off rates in Hardin County
Do SBA loans in Hardin County get paid back?
- Loans with a final outcome recorded7
- Paid in full7
- Charged off0
- Status: Paid in full7
- Status: Cancelled5
- Status: Exempt from disclosure17
- Status: Committed, not yet disbursed1
Only 7 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.
Hardin County
SBA lending by place in Hardin County
- Borrower cities with recorded lending8
- Lumberton, approvals11
- Silsbee, approvals10
- Kountze, approvals3
- Beaumont, approvals2
- Sour Lake, approvals1
- Baston, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Lumberton | 11 | $5,212,400 |
| Silsbee | 10 | $16,926,500 |
| Kountze | 3 | $2,400,000 |
| Beaumont | 2 | $223,000 |
| Sour Lake | 1 | $825,000 |
| Baston | 1 | $650,000 |
| Tomball | 1 | $380,000 |
| Thicket | 1 | $65,000 |
Lumberton accounts for 11 approvals against 10 in Silsbee. 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.
Hardin County
How large is Hardin County?
- Land area891 sq mi
- Rank by land area among Texas counties161st of 254
- Width, east to west39.5 mi
- Height, north to south28.6 mi
- Geographies sharing a boundary6
- Residents per square mile of land65
- Establishments per square mile0.98
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.
Hardin County
Flood risk in Hardin County
- Participation of the county's own NFIP community Hardin County, unincorporated areasParticipating, community 480284
- Communities in the county in the NFIP Community Status Book6
- Of those, participating in the NFIP6
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Hardin 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 Hardin County (community 480284), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Hardin 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. 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 Hardin 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 Hardin County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202457,642
- Households22,222
- Average household size2.59
- Median household income$75,808
- Median age39.4
Common questions
Hardin County questions, answered from the record.
How many people live in Hardin County, Texas?
The Census Bureau estimates 58,670 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 57,642, in 22,222 households, ranking 61st of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Hardin County's population growing?
The population has grown 4.33 percent since the 2020 census base of 56,237, to 58,670 on July 1, 2024. In 2024 there were 670 births against 683 deaths, with net migration of 457. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Hardin County?
$75,808. The median owner-occupied home is valued at $205,700, which is 2.7 times income, and median gross rent is $1,049 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Hardin County?
872 establishments, employing 8,993 people with an annual payroll of $431.9 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 Hardin County?
Retail trade is the largest private sector at 2,079 jobs, 17.0 percent of covered employment. Covered employment averages 12,197 jobs at an average annual pay of $52,391, or $1,008 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Hardin County?
30 7(a) approvals totaling $26.7 m since FY2020, across 16 lenders, with a median approval of $325,000, plus 8 504 approvals worth $7.5 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Hardin County?
315 housing units were authorized by permit in 2024, with a declared construction value of $93.9 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Hardin 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 Hardin County come from?
The largest single origin is Jefferson County, with 524 households. Arriving households report an average income of $63,149 against $56,639 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Hardin 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 Hardin 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.
Hardin County
Cities and places in Hardin.
7 Census places lie wholly or partly in Hardin County. All 7 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 |
|---|---|---|---|---|
| Lumberton | city | 13,963 | 11 | Wholly in this county |
| Silsbee | city | 6,842 | 10 | Wholly in this county |
| Kountze | city | 2,367 | 3 | Wholly in this county |
| Sour Lake | city | 2,130 | 1 | Wholly in this county |
| Pinewood Estates | CDP | 1,516 | None recorded | Wholly in this county |
| Wildwood | CDP | 584 | None recorded | 53.9 percent here, 46.1 percent Tyler County |
| Rose Hill Acres | city | 324 | None recorded | Wholly in this county |
A further 5 of the county's 30 SBA 7(a) approvals are to borrowers in cities that match no Census place in Hardin County, the largest being Beaumont (2), Baston (1), Tomball (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.
Nearby