Kendall County, Texas: commercial real estate data.
Kendall County, Texas had an estimated 51,828 residents on July 1, 2024, up 17.0 percent since the 2020 census base of 44,303, across 662 square miles. County output reached $3.53 bn in 2024, 1,651 establishments operate here, and the SBA record carries 76 7(a) approvals worth $54.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Kendall County
How many people live in Kendall County
- Population, American Community Survey 2020-202448,567
- Households17,741
- Average household size2.74
- Median household income$114,962
- Median age43.2
- Median gross rent$1,606 per month
- Median owner-occupied home value$512,700
- Home value to household income4.5 times
- Annual rent as a share of median income16.8 percent
- Adults 25 and over with a bachelor degree or higher48.9 percent
- Adults 25 and over with a graduate degree16.9 percent
- Adults 25 and over34,029
- Population under 1810,852
- Share under 1822.3 percent
- Population 65 and over9,889
- Share 65 and over20.4 percent
- Working age population, 18 to 6427,826
- Civilian labor force23,310
- Unemployment rate4.7 percent
- Labor force participation, adults 18 and over61.8 percent
- Rank by population among Texas counties74th of 254
- Rank by population among US county-equivalents, Puerto Rico included1032nd of 3,222
Kendall County is the 74th largest of 254 Texas counties by population. A median home costs 4.5 times median household income, which is seriously unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 22.3 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.
Kendall County
Is Kendall County's population growing?
- Population, July 1, 202451,828
- Census 2020 base population44,303
- Population change since the 2020 census base16.99 percent
- Population change, 2023 to 20241,334
- Births, 2024434
- Deaths, 2024488
- Natural change, 2024-54
- Net domestic migration, 20241,238
- Net international migration, 2024152
- Total net migration, 20241,390
- Cumulative net domestic migration, 2021 to 20247,123
- Rank by growth among US county-equivalents37th of 3,144
The county has grown 16.99 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.
Kendall County
Where are people moving to Kendall County from?
- Tax returns filed by households arriving2,380
- People arriving, from those returns5,049
- Tax returns filed by households leaving1,653
- Net household movement727
- Adjusted gross income arriving$343.5 m
- Net adjusted gross income movement$161.3 m
- Average income of an arriving household$144,318
- Average income of a leaving household$110,219
- Largest single originBexar County (953 households)
- Largest single destinationBexar County (535 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Bexar County | 953 | 2,099 | $145.3 m |
| Comal County | 83 | 166 | $8.1 m |
| Kerr County | 67 | 125 | $4.3 m |
| Travis County | 67 | 115 | $12.0 m |
| Harris County | 64 | 119 | $9.6 m |
| Bandera County | 54 | 103 | $4.5 m |
| San Diego County | 30 | 104 | $4.5 m |
| Dallas County | 30 | 47 | $8.4 m |
Households arriving report $34,099 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 Bexar 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.
Kendall County
What is the Kendall County economy?
- County GDP, 2024$3.53 bn
- County GDP, 2023$3.30 bn
- GDP change, 2023 to 20246.9 percent
- GDP change over five years57.1 percent
- Rank by GDP among the Texas areas BEA publishes74th of 254
- Rank by GDP among the US county areas BEA publishes888th of 3,127
- GDP per resident$72,726
Output grew 6.9 percent in the latest year and 57.1 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.
Kendall County
Employment by industry in Kendall County
- Covered employment, annual average20,557
- Establishments reporting1,942
- Average annual pay$62,562
- Average weekly wage$1,203
- Retail trade, employment3,894
- Retail trade, average annual pay$58,770
- Construction, employment2,490
- Construction, average annual pay$79,474
- Accommodation and food services, employment2,176
- Accommodation and food services, average annual pay$26,704
- Health care and social assistance, employment2,110
- Health care and social assistance, average annual pay$56,256
- Manufacturing, employment1,254
- Professional, scientific and technical services, employment1,228
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 3,894 | 185 | $58,770 |
| Construction | 2,490 | 262 | $79,474 |
| Accommodation and food services | 2,176 | 140 | $26,704 |
| Health care and social assistance | 2,110 | 187 | $56,256 |
| Manufacturing | 1,254 | 78 | $56,592 |
| Professional, scientific and technical services | 1,228 | 278 | $93,170 |
| Other services, except public administration | 815 | 140 | $41,873 |
| Finance and insurance | 757 | 117 | $114,805 |
Retail trade is the largest private sector at 3,894 jobs, 18.9 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Kendall County
How many businesses are in Kendall County?
- Establishments, all industries1,651
- Employment at those establishments16,050
- Annual payroll$892.0 m
- Establishments per 1,000 residents34.0
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.
Kendall County
Building permits in Kendall County
- Housing units authorized by permit, 2024560
- Declared construction value permitted$112.0 m
- Single family units authorized560
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$200,000
- Units authorized per 1,000 households31.6
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.
Kendall County
SBA loans in Kendall County (7(a) and 504)
- 7(a) approvals recorded76
- 7(a) gross approval dollars$54.2 m
- Average 7(a) approval$712,753
- Median 7(a) approval$350,000
- 10th percentile approval$25,000
- 90th percentile approval$1,808,750
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)1,445
- Jobs per approval19.0
- Distinct 7(a) lenders active35
- Distinct industries receiving approvals58
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer22.4 percent
- Loans on real estate terms17
- Loans on working capital terms, 120 months or shorter52
- Franchise loans25
- Franchise share of approvals32.9 percent
- Leading industry by approval countSnack and Nonalcoholic Beverage Bars (5)
- 504 approvals recorded18
- 504 gross approval dollars$19.1 m
- Average 504 approval$1,061,389
- Median 504 approval$818,000
- Distinct CDCs active6
- 504 jobs per approval12.1
- 504 jobs per million dollars approved11.4
- Most active CDCTexas Certified Development Company, Inc. (6)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$73.3 m
The average approval of $712,753 sits well above the median of $350,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 22.4 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.
Kendall County
SBA loan default and charge-off rates in Kendall County
Do SBA loans in Kendall County get paid back?
- Loans with a final outcome recorded16
- Paid in full14
- Charged off2
- Status: Exempt from disclosure42
- Status: Paid in full14
- Status: Cancelled10
- Status: Charged off2
- Status: Committed, not yet disbursed8
Only 16 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.
Kendall County
SBA lending by place in Kendall County
- Borrower cities with recorded lending5
- Boerne, approvals65
- Comfort, approvals7
- San Antonio, approvals2
- Fredericksburg, approvals1
- Fair Oaks Ranch, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Boerne | 65 | $37,759,600 |
| Comfort | 7 | $14,192,100 |
| San Antonio | 2 | $450,000 |
| Fredericksburg | 1 | $1,750,000 |
| Fair Oaks Ranch | 1 | $17,500 |
Boerne accounts for 65 approvals against 7 in Comfort. 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.
Kendall County
How large is Kendall County?
- Land area662 sq mi
- Rank by land area among Texas counties222nd of 254
- Width, east to west30.4 mi
- Height, north to south28.9 mi
- Geographies sharing a boundary6
- Residents per square mile of land73
- Establishments per square mile2.49
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.
Kendall County
Flood risk in Kendall County
- Participation of the county's own NFIP community Kendall County, unincorporated areasParticipating, community 480417
- Communities in the county in the NFIP Community Status Book3
- Of those, participating in the NFIP3
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 6
- Communities carrying a CRS class1
- Radon levels in Kendall 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 Kendall County (community 480417), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Kendall 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. The best Community Rating System class among the county's communities is 6, which carries a flood insurance premium discount for policies written in that community. 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 Kendall 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 Kendall County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202448,567
- Households17,741
- Average household size2.74
- Median household income$114,962
- Median age43.2
Common questions
Kendall County questions, answered from the record.
How many people live in Kendall County, Texas?
The Census Bureau estimates 51,828 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 48,567, in 17,741 households, ranking 74th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Kendall County's population growing?
The population has grown 16.99 percent since the 2020 census base of 44,303, to 51,828 on July 1, 2024. In 2024 there were 434 births against 488 deaths, with net migration of 1,390. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Kendall County?
$114,962. The median owner-occupied home is valued at $512,700, which is 4.5 times income, and median gross rent is $1,606 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Kendall County?
1,651 establishments, employing 16,050 people with an annual payroll of $892.0 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 Kendall County?
Retail trade is the largest private sector at 3,894 jobs, 18.9 percent of covered employment. Covered employment averages 20,557 jobs at an average annual pay of $62,562, or $1,203 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Kendall County?
76 7(a) approvals totaling $54.2 m since FY2020, across 35 lenders, with a median approval of $350,000, plus 18 504 approvals worth $19.1 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Kendall County?
560 housing units were authorized by permit in 2024, with a declared construction value of $112.0 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Kendall 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 Kendall County come from?
The largest single origin is Bexar County, with 953 households. Arriving households report an average income of $144,318 against $110,219 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Kendall 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 Kendall 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.
Kendall County
Cities and places in Kendall.
3 Census places lie wholly or partly in Kendall County. All 3 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 |
|---|---|---|---|---|
| Boerne | city | 20,518 | 65 | Wholly in this county |
| Fair Oaks Ranch | city | 10,728 | 1 | 31.5 percent here, 47.2 percent Bexar County, 21.2 percent Comal County |
| Comfort | CDP | 1,565 | 7 | Wholly in this county |
A further 3 of the county's 76 SBA 7(a) approvals are to borrowers in cities that match no Census place in Kendall County, the largest being San Antonio (2), Fredericksburg (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