Hill County, Texas: commercial real estate data.
Hill County, Texas had an estimated 38,771 residents on July 1, 2024, up 8.1 percent since the 2020 census base of 35,867, across 959 square miles. County output reached $1.72 bn in 2024, 649 establishments operate here, and the SBA record carries 29 7(a) approvals worth $39.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Hill County
How many people live in Hill County
- Population, American Community Survey 2020-202437,328
- Households13,767
- Average household size2.71
- Median household income$64,591
- Median age41.0
- Median gross rent$946 per month
- Median owner-occupied home value$179,200
- Home value to household income2.8 times
- Annual rent as a share of median income17.6 percent
- Adults 25 and over with a bachelor degree or higher18.0 percent
- Adults 25 and over with a graduate degree6.1 percent
- Adults 25 and over25,652
- Population under 188,638
- Share under 1823.1 percent
- Population 65 and over7,620
- Share 65 and over20.4 percent
- Working age population, 18 to 6421,070
- Civilian labor force16,813
- Unemployment rate4.2 percent
- Labor force participation, adults 18 and over58.6 percent
- Rank by population among Texas counties84th of 254
- Rank by population among US county-equivalents, Puerto Rico included1273rd of 3,222
Hill County is the 84th largest of 254 Texas counties by population. A median home costs 2.8 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 23.1 percent against 20.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Hill County
Is Hill County's population growing?
- Population, July 1, 202438,771
- Census 2020 base population35,867
- Population change since the 2020 census base8.10 percent
- Population change, 2023 to 2024565
- Births, 2024435
- Deaths, 2024560
- Natural change, 2024-125
- Net domestic migration, 2024623
- Net international migration, 202470
- Total net migration, 2024693
- Cumulative net domestic migration, 2021 to 20243,197
- Rank by growth among US county-equivalents234th of 3,144
The county has grown 8.10 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.
Hill County
Where are people moving to Hill County from?
- Tax returns filed by households arriving1,458
- People arriving, from those returns2,945
- Tax returns filed by households leaving1,081
- Net household movement377
- Adjusted gross income arriving$88.7 m
- Net adjusted gross income movement$31.6 m
- Average income of an arriving household$60,805
- Average income of a leaving household$52,741
- Largest single originJohnson County (211 households)
- Largest single destinationMcLennan County (145 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Johnson County | 211 | 467 | $13.2 m |
| Tarrant County | 193 | 390 | $13.0 m |
| McLennan County | 165 | 361 | $8.8 m |
| Dallas County | 98 | 206 | $5.7 m |
| Ellis County | 98 | 209 | $6.3 m |
| Bosque County | 62 | 118 | $3.3 m |
| Navarro County | 28 | 61 | $1.3 m |
| Collin County | 22 | 44 | $1.3 m |
Households arriving report $8,064 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 Johnson 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.
Hill County
What is the Hill County economy?
- County GDP, 2024$1.72 bn
- County GDP, 2023$1.60 bn
- GDP change, 2023 to 20247.6 percent
- GDP change over five years70.0 percent
- Rank by GDP among the Texas areas BEA publishes117th of 254
- Rank by GDP among the US county areas BEA publishes1407th of 3,127
- GDP per resident$46,115
Output grew 7.6 percent in the latest year and 70.0 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.
Hill County
Employment by industry in Hill County
- Covered employment, annual average11,535
- Establishments reporting810
- Average annual pay$56,338
- Average weekly wage$1,083
- Retail trade, employment1,687
- Retail trade, average annual pay$35,193
- Manufacturing, employment1,681
- Manufacturing, average annual pay$58,086
- Construction, employment1,301
- Construction, average annual pay$78,798
- Accommodation and food services, employment1,049
- Accommodation and food services, average annual pay$19,642
- Administrative and support and waste management services, employment572
- Wholesale trade, employment538
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 1,687 | 113 | $35,193 |
| Manufacturing | 1,681 | 42 | $58,086 |
| Construction | 1,301 | 72 | $78,798 |
| Accommodation and food services | 1,049 | 69 | $19,642 |
| Administrative and support and waste management services | 572 | 31 | $57,253 |
| Wholesale trade | 538 | 34 | $73,096 |
| Transportation and warehousing | 230 | 38 | $57,154 |
| Finance and insurance | 191 | 45 | $65,790 |
Retail trade is the largest private sector at 1,687 jobs, 14.6 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Hill County
How many businesses are in Hill County?
- Establishments, all industries649
- Employment at those establishments8,017
- Annual payroll$376.2 m
- Establishments per 1,000 residents17.4
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.
Hill County
Building permits in Hill County
- Housing units authorized by permit, 202461
- Declared construction value permitted$14.1 m
- Single family units authorized56
- Multifamily units authorized5
- Multifamily share of units8.2 percent
- Average declared value per unit$231,339
- Units authorized per 1,000 households4.4
Single-family homes are 91.8 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Hill County
SBA loans in Hill County (7(a) and 504)
- 7(a) approvals recorded29
- 7(a) gross approval dollars$39.4 m
- Average 7(a) approval$1,358,507
- Median 7(a) approval$667,000
- 10th percentile approval$54,000
- 90th percentile approval$3,201,200
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)211
- Jobs per approval7.3
- Distinct 7(a) lenders active23
- Distinct industries receiving approvals19
- Median 7(a) term240 months
- Share of loans on real estate terms, 240 months or longer55.2 percent
- Loans on real estate terms16
- Loans on working capital terms, 120 months or shorter10
- Franchise loans12
- Franchise share of approvals41.4 percent
- Leading industry by approval countGasoline Stations with Convenience Stores (5)
- 504 approvals recorded5
- 504 gross approval dollars$5.3 m
- Average 504 approval$1,063,800
- Median 504 approval$1,227,000
- Distinct CDCs active2
- 504 jobs per approval1.6
- 504 jobs per million dollars approved1.5
- Most active CDCCapital Certified Development Corporation (3)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$44.7 m
The average approval of $1,358,507 sits well above the median of $667,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. 55.2 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.
Hill County
SBA loan default and charge-off rates in Hill County
Do SBA loans in Hill County get paid back?
- Loans with a final outcome recorded9
- Paid in full8
- Charged off1
- Status: Charged off1
- Status: Paid in full8
- Status: Cancelled3
- Status: Exempt from disclosure15
- Status: Committed, not yet disbursed2
Only 9 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.
Hill County
SBA lending by place in Hill County
- Borrower cities with recorded lending10
- Hillsboro, approvals12
- Whitney, approvals7
- Mount Calm, approvals2
- Blum, approvals2
- Itasca, approvals1
- Covington, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Hillsboro | 12 | $20,588,800 |
| Whitney | 7 | $8,889,000 |
| Mount Calm | 2 | $3,566,800 |
| Blum | 2 | $675,600 |
| Itasca | 1 | $5,000,000 |
| Covington | 1 | $250,000 |
| Hubbard | 1 | $211,500 |
| Aquilla | 1 | $150,000 |
| 2 other borrower cities | 2 | $65,000 |
Hillsboro accounts for 12 approvals against 7 in Whitney. 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.
Hill County
How large is Hill County?
- Land area959 sq mi
- Rank by land area among Texas counties83rd of 254
- Width, east to west45 mi
- Height, north to south38.4 mi
- Geographies sharing a boundary6
- Residents per square mile of land39
- Establishments per square mile0.68
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.
Hill County
Flood risk in Hill County
- Participation of the county's own NFIP community Hill County, unincorporated areasParticipating, community 480857
- Communities in the county in the NFIP Community Status Book15
- Of those, participating in the NFIP9
- NFIP participation rate60.0 percent
- Communities carrying a CRS class0
- Radon levels in Hill 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 Hill County (community 480857), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Hill 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. 60.0 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 Hill 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 Hill County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202437,328
- Households13,767
- Average household size2.71
- Median household income$64,591
- Median age41.0
Common questions
Hill County questions, answered from the record.
How many people live in Hill County, Texas?
The Census Bureau estimates 38,771 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 37,328, in 13,767 households, ranking 84th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Hill County's population growing?
The population has grown 8.10 percent since the 2020 census base of 35,867, to 38,771 on July 1, 2024. In 2024 there were 435 births against 560 deaths, with net migration of 693. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Hill County?
$64,591. The median owner-occupied home is valued at $179,200, which is 2.8 times income, and median gross rent is $946 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Hill County?
649 establishments, employing 8,017 people with an annual payroll of $376.2 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 Hill County?
Retail trade is the largest private sector at 1,687 jobs, 14.6 percent of covered employment. Covered employment averages 11,535 jobs at an average annual pay of $56,338, or $1,083 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Hill County?
29 7(a) approvals totaling $39.4 m since FY2020, across 23 lenders, with a median approval of $667,000, plus 5 504 approvals worth $5.3 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Hill County?
61 housing units were authorized by permit in 2024, with a declared construction value of $14.1 m. Multifamily was 8.2 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Hill 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 Hill County come from?
The largest single origin is Johnson County, with 211 households. Arriving households report an average income of $60,805 against $52,741 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Hill 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 Hill 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.
Hill County
Cities and places in Hill.
14 Census places lie wholly or partly in Hill County. All 14 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 |
|---|---|---|---|---|
| Hillsboro | city | 8,506 | 12 | Wholly in this county |
| Itasca | city | 2,073 | 1 | Wholly in this county |
| Whitney | town | 2,050 | 7 | Wholly in this county |
| Hubbard | city | 1,327 | 1 | Wholly in this county |
| Abbott | city | 470 | None recorded | Wholly in this county |
| Mount Calm | city | 439 | 2 | Wholly in this county |
| Blum | town | 336 | 2 | Wholly in this county |
| Carl's Corner | town | 298 | None recorded | Wholly in this county |
| Malone | town | 280 | 1 | Wholly in this county |
| Covington | city | 274 | 1 | Wholly in this county |
| Bynum | town | 236 | None recorded | Wholly in this county |
| Penelope | town | 235 | None recorded | Wholly in this county |
| Mertens | town | 123 | 1 | Wholly in this county |
| Aquilla | city | 79 | 1 | Wholly in this county |
Nearby