Kerr County, Texas: commercial real estate data.
Kerr County, Texas had an estimated 53,900 residents on July 1, 2024, up 2.5 percent since the 2020 census base of 52,598, across 1,103 square miles. County output reached $3.19 bn in 2024, 1,581 establishments operate here, and the SBA record carries 36 7(a) approvals worth $16.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Kerr County
How many people live in Kerr County
- Population, American Community Survey 2020-202453,489
- Households22,615
- Average household size2.37
- Median household income$69,395
- Median age48.8
- Median gross rent$1,109 per month
- Median owner-occupied home value$321,200
- Home value to household income4.6 times
- Annual rent as a share of median income19.2 percent
- Adults 25 and over with a bachelor degree or higher31.3 percent
- Adults 25 and over with a graduate degree12.2 percent
- Adults 25 and over39,521
- Population under 189,675
- Share under 1818.1 percent
- Population 65 and over15,544
- Share 65 and over29.1 percent
- Working age population, 18 to 6428,270
- Civilian labor force24,951
- Unemployment rate3.3 percent
- Labor force participation, adults 18 and over56.9 percent
- Rank by population among Texas counties64th of 254
- Rank by population among US county-equivalents, Puerto Rico included970th of 3,222
Kerr County is the 64th largest of 254 Texas counties by population. A median home costs 4.6 times median household income, which is seriously unaffordable by national standards. Residents 65 and over outnumber those under 18, at 29.1 percent against 18.1 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.
Kerr County
Is Kerr County's population growing?
- Population, July 1, 202453,900
- Census 2020 base population52,598
- Population change since the 2020 census base2.48 percent
- Population change, 2023 to 202422
- Births, 2024452
- Deaths, 2024761
- Natural change, 2024-309
- Net domestic migration, 2024243
- Net international migration, 202485
- Total net migration, 2024328
- Cumulative net domestic migration, 2021 to 20242,372
- Rank by growth among US county-equivalents1011th of 3,144
The county has grown 2.48 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.
Kerr County
Where are people moving to Kerr County from?
- Tax returns filed by households arriving1,755
- People arriving, from those returns3,110
- Tax returns filed by households leaving1,447
- Net household movement308
- Adjusted gross income arriving$152.1 m
- Net adjusted gross income movement$61.2 m
- Average income of an arriving household$86,691
- Average income of a leaving household$62,881
- Largest single originBexar County (206 households)
- Largest single destinationBexar County (195 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Bexar County | 206 | 351 | $12.2 m |
| Gillespie County | 128 | 231 | $9.2 m |
| Travis County | 99 | 147 | $10.2 m |
| Kendall County | 91 | 174 | $6.3 m |
| Harris County | 85 | 138 | $7.4 m |
| Bandera County | 67 | 139 | $5.8 m |
| Williamson County | 36 | 69 | $5.2 m |
| Dallas County | 35 | 60 | $3.5 m |
Households arriving report $23,810 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.
Kerr County
What is the Kerr County economy?
- County GDP, 2024$3.19 bn
- County GDP, 2023$3.00 bn
- GDP change, 2023 to 20246.4 percent
- GDP change over five years40.4 percent
- Rank by GDP among the Texas areas BEA publishes78th of 254
- Rank by GDP among the US county areas BEA publishes936th of 3,127
- GDP per resident$59,686
Output grew 6.4 percent in the latest year and 40.4 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.
Kerr County
Employment by industry in Kerr County
- Covered employment, annual average19,471
- Establishments reporting1,559
- Average annual pay$56,546
- Average weekly wage$1,087
- Retail trade, employment2,798
- Retail trade, average annual pay$41,411
- Accommodation and food services, employment2,589
- Accommodation and food services, average annual pay$28,691
- Construction, employment1,924
- Construction, average annual pay$65,180
- Manufacturing, employment1,418
- Manufacturing, average annual pay$72,089
- Other services, except public administration, employment671
- Finance and insurance, employment421
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 2,798 | 178 | $41,411 |
| Accommodation and food services | 2,589 | 144 | $28,691 |
| Construction | 1,924 | 203 | $65,180 |
| Manufacturing | 1,418 | 58 | $72,089 |
| Other services, except public administration | 671 | 124 | $44,256 |
| Finance and insurance | 421 | 89 | $79,093 |
| Wholesale trade | 315 | 63 | $72,891 |
| Arts, entertainment and recreation | 274 | 23 | $34,913 |
Retail trade is the largest private sector at 2,798 jobs, 14.4 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Kerr County
How many businesses are in Kerr County?
- Establishments, all industries1,581
- Employment at those establishments18,330
- Annual payroll$928.9 m
- Establishments per 1,000 residents29.6
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.
Kerr County
Building permits in Kerr County
- Housing units authorized by permit, 2024406
- Declared construction value permitted$62.5 m
- Single family units authorized97
- Multifamily units authorized309
- Multifamily share of units76.1 percent
- Average declared value per unit$153,863
- Units authorized per 1,000 households18.0
Multifamily is 76.1 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Kerr County
SBA loans in Kerr County (7(a) and 504)
- 7(a) approvals recorded36
- 7(a) gross approval dollars$16.6 m
- Average 7(a) approval$462,258
- Median 7(a) approval$151,500
- 10th percentile approval$47,500
- 90th percentile approval$1,449,650
- Largest single approval$2,320,000
- Jobs reported supported, 7(a)232
- Jobs per approval6.4
- Distinct 7(a) lenders active19
- Distinct industries receiving approvals31
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer16.7 percent
- Loans on real estate terms6
- Loans on working capital terms, 120 months or shorter27
- Franchise loans2
- Franchise share of approvals5.6 percent
- Leading industry by approval countResidential Remodelers (3)
- 504 approvals recorded13
- 504 gross approval dollars$8.6 m
- Average 504 approval$663,308
- Median 504 approval$569,000
- Distinct CDCs active3
- 504 jobs per approval10.8
- 504 jobs per million dollars approved16.4
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$25.3 m
The average approval of $462,258 sits well above the median of $151,500, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 16.7 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.
Kerr County
SBA loan default and charge-off rates in Kerr County
Do SBA loans in Kerr County get paid back?
- Loans with a final outcome recorded7
- Paid in full6
- Charged off1
- Status: Exempt from disclosure23
- Status: Cancelled5
- Status: Paid in full6
- Status: Charged off1
- 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.
Kerr County
SBA lending by place in Kerr County
- Borrower cities with recorded lending7
- Kerrville, approvals24
- Ingram, approvals5
- Mountain Home, approvals3
- Hunt, approvals1
- Kerrville Texas, approvals1
- Center Point, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Kerrville | 24 | $10,257,000 |
| Ingram | 5 | $3,402,300 |
| Mountain Home | 3 | $2,380,000 |
| Hunt | 1 | $297,000 |
| Kerrville Texas | 1 | $150,000 |
| Center Point | 1 | $100,000 |
| Jourdanton | 1 | $55,000 |
Kerrville accounts for 24 approvals against 5 in Ingram. 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.
Kerr County
How large is Kerr County?
- Land area1,103 sq mi
- Rank by land area among Texas counties48th of 254
- Width, east to west50.3 mi
- Height, north to south35.2 mi
- Geographies sharing a boundary6
- Residents per square mile of land48
- Establishments per square mile1.43
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.
Kerr County
Flood risk in Kerr County
- Participation of the county's own NFIP community Kerr County, unincorporated areasParticipating, community 480419
- Communities in the county in the NFIP Community Status Book4
- Of those, participating in the NFIP4
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Kerr 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 Kerr County (community 480419), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Kerr 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 Kerr 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 Kerr County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202453,489
- Households22,615
- Average household size2.37
- Median household income$69,395
- Median age48.8
Common questions
Kerr County questions, answered from the record.
How many people live in Kerr County, Texas?
The Census Bureau estimates 53,900 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 53,489, in 22,615 households, ranking 64th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Kerr County's population growing?
The population has grown 2.48 percent since the 2020 census base of 52,598, to 53,900 on July 1, 2024. In 2024 there were 452 births against 761 deaths, with net migration of 328. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Kerr County?
$69,395. The median owner-occupied home is valued at $321,200, which is 4.6 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 Kerr County?
1,581 establishments, employing 18,330 people with an annual payroll of $928.9 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 Kerr County?
Retail trade is the largest private sector at 2,798 jobs, 14.4 percent of covered employment. Covered employment averages 19,471 jobs at an average annual pay of $56,546, or $1,087 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Kerr County?
36 7(a) approvals totaling $16.6 m since FY2020, across 19 lenders, with a median approval of $151,500, plus 13 504 approvals worth $8.6 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Kerr County?
406 housing units were authorized by permit in 2024, with a declared construction value of $62.5 m. Multifamily was 76.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Kerr 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 Kerr County come from?
The largest single origin is Bexar County, with 206 households. Arriving households report an average income of $86,691 against $62,881 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Kerr 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 Kerr 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.
Kerr County
Cities and places in Kerr.
3 Census places lie wholly or partly in Kerr 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 |
|---|---|---|---|---|
| Kerrville | city | 24,755 | 24 | Wholly in this county |
| Ingram | city | 1,917 | 5 | Wholly in this county |
| Center Point | CDP | 1,733 | 1 | Wholly in this county |
A further 6 of the county's 36 SBA 7(a) approvals are to borrowers in cities that match no Census place in Kerr County, the largest being Mountain Home (3), Hunt (1), Kerrville Texas (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