Henderson County, Texas: commercial real estate data.
Henderson County, Texas had an estimated 87,467 residents on July 1, 2024, up 6.5 percent since the 2020 census base of 82,144, across 874 square miles. County output reached $2.78 bn in 2024, 1,521 establishments operate here, and the SBA record carries 44 7(a) approvals worth $53.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Henderson County
How many people live in Henderson County
- Population, American Community Survey 2020-202484,862
- Households33,575
- Average household size2.53
- Median household income$65,179
- Median age43.8
- Median gross rent$1,048 per month
- Median owner-occupied home value$211,300
- Home value to household income3.2 times
- Annual rent as a share of median income19.3 percent
- Adults 25 and over with a bachelor degree or higher20.7 percent
- Adults 25 and over with a graduate degree6.9 percent
- Adults 25 and over60,088
- Population under 1818,164
- Share under 1821.4 percent
- Population 65 and over19,136
- Share 65 and over22.5 percent
- Working age population, 18 to 6447,562
- Civilian labor force37,219
- Unemployment rate4.9 percent
- Labor force participation, adults 18 and over55.8 percent
- Rank by population among Texas counties48th of 254
- Rank by population among US county-equivalents, Puerto Rico included690th of 3,222
Henderson County is the 48th largest of 254 Texas counties by population. A median home costs 3.2 times median household income, which is moderately unaffordable by national standards. Residents 65 and over outnumber those under 18, at 22.5 percent against 21.4 percent, which points demand at health care, services and single story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Henderson County
Is Henderson County's population growing?
- Population, July 1, 202487,467
- Census 2020 base population82,144
- Population change since the 2020 census base6.48 percent
- Population change, 2023 to 20241,190
- Births, 2024962
- Deaths, 20241,224
- Natural change, 2024-262
- Net domestic migration, 20241,362
- Net international migration, 202493
- Total net migration, 20241,455
- Cumulative net domestic migration, 2021 to 20246,549
- Rank by growth among US county-equivalents352nd of 3,144
The county has grown 6.48 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.
Henderson County
Where are people moving to Henderson County from?
- Tax returns filed by households arriving3,137
- People arriving, from those returns6,096
- Tax returns filed by households leaving2,385
- Net household movement752
- Adjusted gross income arriving$216.4 m
- Net adjusted gross income movement$70.4 m
- Average income of an arriving household$68,992
- Average income of a leaving household$61,240
- Largest single originDallas County (431 households)
- Largest single destinationSmith County (366 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Dallas County | 431 | 833 | $28.6 m |
| Kaufman County | 415 | 838 | $20.1 m |
| Smith County | 343 | 622 | $16.8 m |
| Tarrant County | 155 | 298 | $14.3 m |
| Van Zandt County | 149 | 315 | $7.3 m |
| Anderson County | 105 | 212 | $5.1 m |
| Collin County | 97 | 183 | $14.3 m |
| Ellis County | 74 | 141 | $9.6 m |
Households arriving report $7,752 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 Dallas 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.
Henderson County
What is the Henderson County economy?
- County GDP, 2024$2.78 bn
- County GDP, 2023$2.60 bn
- GDP change, 2023 to 20246.9 percent
- GDP change over five years40.1 percent
- Rank by GDP among the Texas areas BEA publishes84th of 254
- Rank by GDP among the US county areas BEA publishes1030th of 3,127
- GDP per resident$32,803
Output grew 6.9 percent in the latest year and 40.1 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.
Henderson County
Employment by industry in Henderson County
- Covered employment, annual average19,534
- Establishments reporting1,656
- Average annual pay$48,745
- Average weekly wage$937
- Retail trade, employment2,936
- Retail trade, average annual pay$31,605
- Accommodation and food services, employment2,669
- Accommodation and food services, average annual pay$20,167
- Manufacturing, employment2,539
- Manufacturing, average annual pay$63,624
- Health care and social assistance, employment2,011
- Health care and social assistance, average annual pay$52,706
- Construction, employment1,374
- Wholesale trade, employment716
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 2,936 | 240 | $31,605 |
| Accommodation and food services | 2,669 | 168 | $20,167 |
| Manufacturing | 2,539 | 67 | $63,624 |
| Health care and social assistance | 2,011 | 176 | $52,706 |
| Construction | 1,374 | 197 | $57,991 |
| Wholesale trade | 716 | 64 | $86,850 |
| Professional, scientific and technical services | 710 | 134 | $70,759 |
| Other services, except public administration | 620 | 104 | $49,659 |
Retail trade is the largest private sector at 2,936 jobs, 15.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Henderson County
How many businesses are in Henderson County?
- Establishments, all industries1,521
- Employment at those establishments15,622
- Annual payroll$659.1 m
- Establishments per 1,000 residents17.9
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.
Henderson County
Building permits in Henderson County
- Housing units authorized by permit, 2024274
- Declared construction value permitted$76.6 m
- Single family units authorized258
- Multifamily units authorized16
- Multifamily share of units5.8 percent
- Average declared value per unit$279,397
- Units authorized per 1,000 households8.2
Single-family homes are 94.2 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Henderson County
SBA loans in Henderson County (7(a) and 504)
- 7(a) approvals recorded44
- 7(a) gross approval dollars$53.4 m
- Average 7(a) approval$1,213,900
- Median 7(a) approval$713,000
- 10th percentile approval$62,570
- 90th percentile approval$3,797,500
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)450
- Jobs per approval10.2
- Distinct 7(a) lenders active29
- Distinct industries receiving approvals29
- Median 7(a) term274 months
- Share of loans on real estate terms, 240 months or longer56.8 percent
- Loans on real estate terms25
- Loans on working capital terms, 120 months or shorter19
- Franchise loans15
- Franchise share of approvals34.1 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (9)
- 504 approvals recorded16
- 504 gross approval dollars$18.5 m
- Average 504 approval$1,153,875
- Median 504 approval$754,000
- Distinct CDCs active7
- 504 jobs per approval8.8
- 504 jobs per million dollars approved7.6
- Most active CDCGreater East Texas Certified Development Company (8)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$71.9 m
The average approval of $1,213,900 sits well above the median of $713,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. 56.8 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.
Henderson County
SBA loan default and charge-off rates in Henderson County
Do SBA loans in Henderson County get paid back?
- Loans with a final outcome recorded12
- Paid in full12
- Charged off0
- Status: Exempt from disclosure23
- Status: Paid in full12
- Status: Cancelled7
- Status: Committed, not yet disbursed2
Only 12 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.
Henderson County
SBA lending by place in Henderson County
- Borrower cities with recorded lending12
- Athens, approvals20
- Gun Barrel City, approvals10
- Chandler, approvals3
- Seven Points, approvals2
- Eustace, approvals2
- Murchison, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Athens | 20 | $35,174,000 |
| Gun Barrel City | 10 | $7,535,300 |
| Chandler | 3 | $687,000 |
| Seven Points | 2 | $2,886,000 |
| Eustace | 2 | $250,000 |
| Murchison | 1 | $2,550,000 |
| Larue | 1 | $1,326,800 |
| Dallas | 1 | $1,179,000 |
| 4 other borrower cities | 4 | $1,823,500 |
Athens accounts for 20 approvals against 10 in Gun Barrel City. 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.
Henderson County
How large is Henderson County?
- Land area874 sq mi
- Rank by land area among Texas counties176th of 254
- Width, east to west59.9 mi
- Height, north to south24.4 mi
- Geographies sharing a boundary8
- Residents per square mile of land97
- Establishments per square mile1.74
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.
Henderson County
Flood risk in Henderson County
- Participation of the county's own NFIP community Henderson County, unincorporated areasParticipating, community 481174
- Communities in the county in the NFIP Community Status Book21
- Of those, participating in the NFIP20
- NFIP participation rate95.2 percent
- Communities carrying a CRS class0
- Radon levels in Henderson 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 Henderson County (community 481174), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Henderson 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. 95.2 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 Henderson 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 Henderson County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202484,862
- Households33,575
- Average household size2.53
- Median household income$65,179
- Median age43.8
Common questions
Henderson County questions, answered from the record.
How many people live in Henderson County, Texas?
The Census Bureau estimates 87,467 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 84,862, in 33,575 households, ranking 48th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Henderson County's population growing?
The population has grown 6.48 percent since the 2020 census base of 82,144, to 87,467 on July 1, 2024. In 2024 there were 962 births against 1,224 deaths, with net migration of 1,455. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Henderson County?
$65,179. The median owner-occupied home is valued at $211,300, which is 3.2 times income, and median gross rent is $1,048 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Henderson County?
1,521 establishments, employing 15,622 people with an annual payroll of $659.1 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 Henderson County?
Retail trade is the largest private sector at 2,936 jobs, 15.0 percent of covered employment. Covered employment averages 19,534 jobs at an average annual pay of $48,745, or $937 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Henderson County?
44 7(a) approvals totaling $53.4 m since FY2020, across 29 lenders, with a median approval of $713,000, plus 16 504 approvals worth $18.5 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Henderson County?
274 housing units were authorized by permit in 2024, with a declared construction value of $76.6 m. Multifamily was 5.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Henderson 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 Henderson County come from?
The largest single origin is Dallas County, with 431 households. Arriving households report an average income of $68,992 against $61,240 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Henderson 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 Henderson 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.
Henderson County
Cities and places in Henderson.
21 Census places lie wholly or partly in Henderson County. All 21 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 |
|---|---|---|---|---|
| Athens | city | 13,200 | 20 | Wholly in this county |
| Gun Barrel City | city | 6,570 | 10 | Wholly in this county |
| Mabank | town | 5,187 | 1 | 19.3 percent here, 79.3 percent Kaufman County |
| Chandler | city | 3,518 | 3 | Wholly in this county |
| Tool | city | 2,367 | 1 | Wholly in this county |
| Malakoff | city | 2,045 | None recorded | Wholly in this county |
| Brownsboro | city | 1,658 | None recorded | Wholly in this county |
| Payne Springs | town | 1,201 | None recorded | Wholly in this county |
| Berryville | town | 1,184 | None recorded | Wholly in this county |
| Seven Points | city | 1,167 | 2 | Wholly in this county |
| Eustace | city | 1,039 | 2 | Wholly in this county |
| Log Cabin | city | 998 | None recorded | Wholly in this county |
| Trinidad | city | 806 | 1 | Wholly in this county |
| Sunrise Shores | CDP | 607 | None recorded | Wholly in this county |
| Murchison | city | 568 | 1 | Wholly in this county |
| Star Harbor | city | 470 | None recorded | Wholly in this county |
| Poynor | town | 467 | None recorded | Wholly in this county |
| Enchanted Oaks | town | 269 | None recorded | Wholly in this county |
| Coffee City | town | 266 | None recorded | Wholly in this county |
| Caney City | town | 192 | None recorded | Wholly in this county |
| Moore Station | city | 155 | None recorded | Wholly in this county |
A further 3 of the county's 44 SBA 7(a) approvals are to borrowers in cities that match no Census place in Henderson County, the largest being Larue (1), Dallas (1), Kemp (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.