Hopkins County, Texas: commercial real estate data.
Hopkins County, Texas had an estimated 38,784 residents on July 1, 2024, up 5.4 percent since the 2020 census base of 36,790, across 767 square miles. County output reached $2.66 bn in 2024, 844 establishments operate here, and the SBA record carries 25 7(a) approvals worth $27.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Hopkins County
How many people live in Hopkins County
- Population, American Community Survey 2020-202437,784
- Households14,002
- Average household size2.70
- Median household income$70,888
- Median age39.5
- Median gross rent$1,109 per month
- Median owner-occupied home value$221,100
- Home value to household income3.1 times
- Annual rent as a share of median income18.8 percent
- Adults 25 and over with a bachelor degree or higher21.9 percent
- Adults 25 and over with a graduate degree7.6 percent
- Adults 25 and over25,476
- Population under 189,172
- Share under 1824.3 percent
- Population 65 and over7,074
- Share 65 and over18.7 percent
- Working age population, 18 to 6421,538
- Civilian labor force18,199
- Unemployment rate4.0 percent
- Labor force participation, adults 18 and over63.6 percent
- Rank by population among Texas counties83rd of 254
- Rank by population among US county-equivalents, Puerto Rico included1262nd of 3,222
Hopkins County is the 83rd largest of 254 Texas counties by population. A median home costs 3.1 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 24.3 percent against 18.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Hopkins County
Is Hopkins County's population growing?
- Population, July 1, 202438,784
- Census 2020 base population36,790
- Population change since the 2020 census base5.42 percent
- Population change, 2023 to 2024523
- Births, 2024462
- Deaths, 2024454
- Natural change, 20248
- Net domestic migration, 2024390
- Net international migration, 2024128
- Total net migration, 2024518
- Cumulative net domestic migration, 2021 to 20241,785
- Rank by growth among US county-equivalents482nd of 3,144
The county has grown 5.42 percent since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Hopkins County
Where are people moving to Hopkins County from?
- Tax returns filed by households arriving1,099
- People arriving, from those returns2,184
- Tax returns filed by households leaving858
- Net household movement241
- Adjusted gross income arriving$71.8 m
- Net adjusted gross income movement$25.1 m
- Average income of an arriving household$65,299
- Average income of a leaving household$54,338
- Largest single originHunt County (114 households)
- Largest single destinationHunt County (116 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Hunt County | 114 | 224 | $6.3 m |
| Dallas County | 95 | 173 | $7.9 m |
| Wood County | 82 | 163 | $2.9 m |
| Collin County | 58 | 120 | $4.6 m |
| Franklin County | 42 | 96 | $3.0 m |
| Rains County | 40 | 86 | $1.9 m |
| Tarrant County | 36 | 67 | $2.5 m |
| Rockwall County | 35 | 80 | $2.9 m |
Households arriving report $10,961 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 Hunt 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.
Hopkins County
What is the Hopkins County economy?
- County GDP, 2024$2.66 bn
- County GDP, 2023$2.41 bn
- GDP change, 2023 to 202410.3 percent
- GDP change over five years61.0 percent
- Rank by GDP among the Texas areas BEA publishes90th of 254
- Rank by GDP among the US county areas BEA publishes1063rd of 3,127
- GDP per resident$70,445
Output grew 10.3 percent in the latest year and 61.0 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.
Hopkins County
Employment by industry in Hopkins County
- Covered employment, annual average14,347
- Establishments reporting979
- Average annual pay$54,724
- Average weekly wage$1,052
- Manufacturing, employment2,695
- Manufacturing, average annual pay$66,723
- Retail trade, employment1,722
- Retail trade, average annual pay$38,527
- Wholesale trade, employment1,462
- Wholesale trade, average annual pay$69,265
- Accommodation and food services, employment1,201
- Accommodation and food services, average annual pay$21,846
- Construction, employment724
- Finance and insurance, employment704
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 2,695 | 51 | $66,723 |
| Retail trade | 1,722 | 126 | $38,527 |
| Wholesale trade | 1,462 | 55 | $69,265 |
| Accommodation and food services | 1,201 | 76 | $21,846 |
| Construction | 724 | 93 | $59,605 |
| Finance and insurance | 704 | 62 | $70,988 |
| Transportation and warehousing | 506 | 48 | $51,886 |
| Professional, scientific and technical services | 355 | 78 | $70,938 |
Manufacturing is the largest private sector at 2,695 jobs, 18.8 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Hopkins County
How many businesses are in Hopkins County?
- Establishments, all industries844
- Employment at those establishments12,022
- Annual payroll$578.8 m
- Establishments per 1,000 residents22.3
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.
Hopkins County
Building permits in Hopkins County
- Housing units authorized by permit, 202465
- Declared construction value permitted$13.3 m
- Single family units authorized65
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$204,598
- Units authorized per 1,000 households4.6
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.
Hopkins County
SBA loans in Hopkins County (7(a) and 504)
- 7(a) approvals recorded25
- 7(a) gross approval dollars$27.8 m
- Average 7(a) approval$1,110,180
- Median 7(a) approval$887,500
- 10th percentile approval$214,600
- 90th percentile approval$1,940,400
- Largest single approval$3,448,000
- Jobs reported supported, 7(a)234
- Jobs per approval9.4
- Distinct 7(a) lenders active13
- Distinct industries receiving approvals14
- Median 7(a) term300 months
- Share of loans on real estate terms, 240 months or longer52.0 percent
- Loans on real estate terms13
- Loans on working capital terms, 120 months or shorter8
- Franchise loans5
- Franchise share of approvals20.0 percent
- Leading industry by approval countAll Other Miscellaneous Fabricated Metal Product Manufacturing (4)
- Most active lenderGlacier Bank (6)
- 504 approvals recorded3
- 504 gross approval dollars$5.8 m
- Average 504 approval$1,934,333
- Median 504 approval$461,000
- Distinct CDCs active2
- 504 jobs per approval69.3
- 504 jobs per million dollars approved35.8
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$33.6 m
The average approval of $1,110,180 sits well above the median of $887,500, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. 52.0 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.
Hopkins County
SBA loan default and charge-off rates in Hopkins County
Do SBA loans in Hopkins County get paid back?
- Loans with a final outcome recorded7
- Paid in full7
- Charged off0
- Status: Paid in full7
- 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.
Hopkins County
SBA lending by place in Hopkins County
- Borrower cities with recorded lending4
- Sulphur Springs, approvals20
- Pickton, approvals2
- Cumby, approvals2
- Como, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Sulphur Springs | 20 | $24,437,500 |
| Pickton | 2 | $1,622,000 |
| Cumby | 2 | $250,000 |
| Como | 1 | $1,445,000 |
Sulphur Springs accounts for 20 approvals against 2 in Pickton. 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.
Hopkins County
How large is Hopkins County?
- Land area767 sq mi
- Rank by land area among Texas counties206th of 254
- Width, east to west32.1 mi
- Height, north to south28.8 mi
- Geographies sharing a boundary5
- Residents per square mile of land49
- Establishments per square mile1.10
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.
Hopkins County
Flood risk in Hopkins County
- Participation of the county's own NFIP community Hopkins County, unincorporated areasParticipating, community 480869
- 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 Hopkins 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 Hopkins County (community 480869), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Hopkins 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 Hopkins 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 Hopkins County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202437,784
- Households14,002
- Average household size2.70
- Median household income$70,888
- Median age39.5
Common questions
Hopkins County questions, answered from the record.
How many people live in Hopkins County, Texas?
The Census Bureau estimates 38,784 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 37,784, in 14,002 households, ranking 83rd of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Hopkins County's population growing?
The population has grown 5.42 percent since the 2020 census base of 36,790, to 38,784 on July 1, 2024. In 2024 there were 462 births against 454 deaths, with net migration of 518. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Hopkins County?
$70,888. The median owner-occupied home is valued at $221,100, which is 3.1 times income, and median gross rent is $1,109 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Hopkins County?
844 establishments, employing 12,022 people with an annual payroll of $578.8 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 Hopkins County?
Manufacturing is the largest private sector at 2,695 jobs, 18.8 percent of covered employment. Covered employment averages 14,347 jobs at an average annual pay of $54,724, or $1,052 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Hopkins County?
25 7(a) approvals totaling $27.8 m since FY2020, across 13 lenders, with a median approval of $887,500, plus 3 504 approvals worth $5.8 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Hopkins County?
65 housing units were authorized by permit in 2024, with a declared construction value of $13.3 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Hopkins 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 Hopkins County come from?
The largest single origin is Hunt County, with 114 households. Arriving households report an average income of $65,299 against $54,338 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Hopkins 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 Hopkins 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.
Hopkins County
Cities and places in Hopkins.
4 Census places lie wholly or partly in Hopkins County. All 4 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 |
|---|---|---|---|---|
| Sulphur Springs | city | 16,401 | 20 | Wholly in this county |
| Cumby | city | 720 | 2 | Wholly in this county |
| Como | town | 616 | 1 | Wholly in this county |
| Tira | town | 418 | None recorded | Wholly in this county |
A further 2 of the county's 25 SBA 7(a) approvals are to borrowers in cities that match no Census place in Hopkins County, the largest being Pickton (2). 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