Liberty County, Texas: commercial real estate data.
Liberty County, Texas has a population of 103,380 across 1,158 square miles, up 25.5 percent since the 2020 census base. County output reached $3.30 bn in 2024, 1,206 establishments operate here, and the SBA record carries 54 7(a) approvals worth $51.2 m.
127 sourced county values · tier FULL · 12 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Liberty County
How many people live in Liberty County
- Population103,380
- Households31,183
- Average household size3.32
- Median household income$68,703
- Median age32.9
- Median gross rent$1,044 per month
- Median owner-occupied home value$181,700
- Home value to household income2.6 times
- Annual rent as a share of median income18.2 percent
- Adults 25 and over with a bachelor degree or higher11.8 percent
- Adults 25 and over with a graduate degree3.8 percent
- Adults 25 and over62,964
- Population under 1830,946
- Share under 1829.9 percent
- Population 65 and over11,905
- Share 65 and over11.5 percent
- Working age population, 18 to 6460,529
- Civilian labor force41,574
- Unemployment rate7.1 percent
- Labor force participation, adults 18 and over57.4 percent
- Rank by population among Texas counties43rd of 254
- Rank by population among US county-equivalents604th
Liberty County is the 43rd largest of 254 Texas counties by population. A median home costs 2.6 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 29.9 percent against 11.5 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Liberty County
Is Liberty County's population growing?
- Population change since the 2020 census base25.51 percent
- Census 2020 base population91,658
- Births, 20241,528
- Deaths, 2024979
- Natural change, 2024549
- Net domestic migration, 20245,063
- Net international migration, 2024322
- Total net migration, 20245,385
- Cumulative net domestic migration, 2021 to 202420,113
- Rank by growth among US county-equivalents5th
The county has grown 25.51 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Liberty County
Where are people moving to Liberty County from?
- Tax returns filed by households arriving4,317
- People arriving, from those returns10,136
- Adjusted gross income arriving$204.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$47,376
- Largest single originLiberty County Non-migrants (29,946 households)
- Largest single destination (29,946 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Liberty County Non-migrants | 29,946 | 70,775 | $1.78 bn |
| Harris County | 2,415 | 6,018 | $106.9 m |
| Montgomery County | 527 | 1,230 | $27.0 m |
| Other flows - Different State | 465 | 987 | $23.5 m |
| Other flows - Same State | 392 | 762 | $16.6 m |
| Other flows - South | 222 | 435 | $11.0 m |
| Other flows - West | 144 | 351 | $9.1 m |
| Chambers County | 127 | 253 | $10.7 m |
The largest single source of arrivals is Liberty County Non-migrants, 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.
Liberty County
What is the Liberty County economy?
- County GDP, 2024$3.30 bn
- County GDP, 2023$3.12 bn
- GDP change, 2023 to 20245.8 percent
- GDP change over five years47.9 percent
- Rank by GDP among Texas counties76th
- Rank by GDP among US county-equivalents918th
- GDP per resident$31,966
Output grew 5.8 percent in the latest year and 47.9 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.
Liberty County
Largest employers in Liberty County
- Covered employment, annual average20,119
- Establishments reporting1,298
- Average annual pay$55,677
- Average weekly wage$1,071
- Sector 44-45, employment2,663
- Sector 44-45, average annual pay$35,537
- Sector 23, employment2,246
- Sector 23, average annual pay$80,850
- Sector 31-33, employment1,246
- Sector 31-33, average annual pay$73,414
- Sector 48-49, employment1,024
- Sector 48-49, average annual pay$89,712
- Sector 56, employment482
- Sector 42, employment374
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 2,663 | 197 | $35,537 |
| Sector 23 | 2,246 | 145 | $80,850 |
| Sector 31-33 | 1,246 | 60 | $73,414 |
| Sector 48-49 | 1,024 | 66 | $89,712 |
| Sector 56 | 482 | 44 | $58,674 |
| Sector 42 | 374 | 58 | $68,332 |
| Sector 81 | 344 | 74 | $52,574 |
| Sector 52 | 340 | 78 | $75,679 |
The largest sector is the biggest private employer group at 2,663 jobs, 13.2 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Liberty County
How many businesses are in Liberty County?
- Establishments, all industries1,206
- Employment at those establishments14,678
- Annual payroll$745.2 m
- Establishments per 1,000 residents11.7
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Liberty County
Building permits in Liberty County
- Housing units authorised by permit, 20241,321
- Declared construction value permitted$250.6 m
- Single family units authorised1,319
- Multifamily units authorised2
- Multifamily share of units0.2 percent
- Average declared value per unit$189,718
- Units authorised per 1,000 households42.4
Multifamily is 0.2 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Liberty County
SBA loans in Liberty County (7(a) and 504)
- 7(a) approvals recorded54
- 7(a) gross approval dollars$51.2 m
- Average 7(a) approval$947,457
- Median 7(a) approval$457,000
- 10th percentile approval$50,000
- 90th percentile approval$2,303,500
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)708
- Jobs per approval13.1
- Distinct 7(a) lenders active30
- Distinct industries receiving approvals33
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer42.6 percent
- Loans on real estate terms23
- Loans on working capital terms, 120 months or shorter29
- Franchise loans9
- Franchise share of approvals16.7 percent
- Leading industry by approval countGasoline Stations with Convenience Stores (7)
- Most active lenderWells Fargo Bank National Association (5)
- 504 approvals recorded6
- 504 gross approval dollars$3.0 m
- Average 504 approval$497,667
- Median 504 approval$478,000
- Distinct CDCs active4
- 504 jobs per approval7.8
- 504 jobs per million dollars approved15.7
- Most active CDCNorth Texas Certified Development Corporation (3)
- 7(a) share of SBA approvals90.0 percent
- Combined SBA approval dollars$54.1 m
The average approval of $947,457 sits well above the median of $457,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. 42.6 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.
Liberty County
SBA loan default and charge-off rates in Liberty County
Do SBA loans in Liberty County get paid back?
- Loans with a final outcome recorded10
- Paid in full10
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Exempt from disclosure35
- Status: Paid in full10
- Status: Cancelled7
- Status: Committed, not yet disbursed2
Of the 10 loans that have reached a final outcome, 0.0 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
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.
Liberty County
SBA lending by place in Liberty County
- Places in the county with recorded lending8
- CLEVELAND, approvals20
- DAYTON, approvals18
- Liberty, approvals10
- RAYWOOD, approvals2
- MOUNT BELVIEU, approvals1
- Humble, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| CLEVELAND | 20 | $23,987,700 |
| DAYTON | 18 | $14,123,000 |
| Liberty | 10 | $6,483,500 |
| RAYWOOD | 2 | $2,040,000 |
| MOUNT BELVIEU | 1 | $1,460,600 |
| Humble | 1 | $400,000 |
| PORTER | 1 | $2,530,000 |
| HARDIN | 1 | $137,900 |
CLEVELAND accounts for 20 approvals against 18 in DAYTON. 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.
Liberty County
How large is Liberty County?
- Land area1,158 sq mi
- Rank by land area among Texas counties42nd of 254
- Width, east to west43.3 mi
- Height, north to south42.1 mi
- Geographies sharing a boundary7
- Residents per square mile of land89
- Establishments per square mile1.04
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.
Liberty County
Flood risk in Liberty County
- Communities in the NFIP Community Status Book14
- Of those, participating in the NFIP13
- NFIP participation rate92.9 percent
- Communities carrying a CRS class0
- Radon levels in Liberty County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The EPA places Liberty 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. 92.9 percent of the county's listed communities participate in the National Flood Insurance Program, per FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Liberty 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 Liberty County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population103,380
- Households31,183
- Average household size3.32
- Median household income$68,703
- Median age32.9
Common questions
Liberty County questions, answered from the record.
How many people live in Liberty County, Texas?
103,380, in 31,183 households, ranking 43rd of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Liberty County's population growing?
The population has grown 25.51 percent since the 2020 census base. In 2024 there were 1,528 births against 979 deaths, with net migration of 5,385. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Liberty County?
$68,703. The median owner-occupied home is valued at $181,700, which is 2.6 times income, and median gross rent is $1,044 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Liberty County?
1,206 establishments, employing 14,678 people with an annual payroll of $745.2 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Liberty County?
Average annual pay is $55,677, or $1,071 a week, across 20,119 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Liberty County?
54 7(a) approvals totalling $51.2 m since FY2020, across 30 lenders, with a median approval of $457,000, plus 6 504 approvals worth $3.0 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Liberty County get paid back?
Of the 10 loans that have reached a final outcome, 10 were paid in full and 0 charged off, a charge off rate of 0.0 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Liberty County?
1,321 housing units were authorised by permit in 2024, with a declared construction value of $250.6 m. Multifamily was 0.2 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Liberty 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 Liberty County come from?
The largest single origin is Liberty County Non-migrants, with 29,946 households. Arriving households report an average income of $47,376 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Liberty 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 Liberty County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.
Liberty County
Cities and places in Liberty.
14 Census places lie wholly or partly in Liberty County. 14 carry enough published place level data for a page of their own and are linked. The rest are named here and not linked, because the American Community Survey and the SBA record between them do not carry enough about them to write an honest page. A place existing is itself worth knowing, so nothing in the county is left out.
| Place | Type | Population | SBA approvals | Lies in |
|---|---|---|---|---|
| Dayton | city | 9,058 | 18 | Wholly in this county |
| Cleveland | city | 8,984 | 23 | 87.8 percent here, 11.1 percent Montgomery County |
| Liberty | city | 8,650 | 10 | Wholly in this county |
| Old River-Winfree | city | 2,448 | None recorded | 3.8 percent here, 96.2 percent Chambers County |
| Plum Grove | city | 1,832 | None recorded | Wholly in this county |
| Ames | city | 1,142 | None recorded | Wholly in this county |
| Daisetta | city | 1,016 | None recorded | Wholly in this county |
| Kenefick | town | 898 | None recorded | Wholly in this county |
| Hardin | city | 621 | 1 | Wholly in this county |
| Big Thicket Lake Estates | CDP | 596 | None recorded | 58.8 percent here, 41.2 percent Polk County |
| Devers | city | 386 | None recorded | Wholly in this county |
| North Cleveland | city | 376 | None recorded | Wholly in this county |
| Hull | CDP | 275 | None recorded | Wholly in this county |
| Dayton Lakes | city | 85 | None recorded | Wholly in this county |
A further 45 SBA approvals in Liberty County are recorded against borrower cities that match no Census place, the largest being Porter, Raywood, Mount Belvieu. Those are postal cities and unincorporated areas rather than incorporated places, so no page claims them, and their lending is counted in this county's totals above rather than under any city.