Lubbock County, Texas: commercial real estate data.
Lubbock County, Texas had an estimated 327,394 residents on July 1, 2024, up 5.4 percent since the 2020 census base of 310,635, across 896 square miles. County output reached $19.82 bn in 2024, 8,019 establishments operate here, and the SBA record carries 258 7(a) approvals worth $169.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Lubbock County
How many people live in Lubbock County
- Population, American Community Survey 2020-2024318,884
- Households126,225
- Average household size2.53
- Median household income$64,155
- Median age31.9
- Median gross rent$1,178 per month
- Median owner-occupied home value$214,100
- Home value to household income3.3 times
- Annual rent as a share of median income22.0 percent
- Adults 25 and over with a bachelor degree or higher33.4 percent
- Adults 25 and over with a graduate degree13.3 percent
- Adults 25 and over191,721
- Population under 1874,972
- Share under 1823.5 percent
- Population 65 and over42,314
- Share 65 and over13.3 percent
- Working age population, 18 to 64201,598
- Civilian labor force166,217
- Unemployment rate4.9 percent
- Labor force participation, adults 18 and over68.1 percent
- Rank by population among Texas counties18th of 254
- Rank by population among US county-equivalents, Puerto Rico included229th of 3,222
Lubbock County is the 18th largest of 254 Texas counties by population. A median home costs 3.3 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 23.5 percent against 13.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Lubbock County
Is Lubbock County's population growing?
- Population, July 1, 2024327,394
- Census 2020 base population310,635
- Population change since the 2020 census base5.40 percent
- Population change, 2023 to 20244,960
- Births, 20244,081
- Deaths, 20242,986
- Natural change, 20241,095
- Net domestic migration, 20241,652
- Net international migration, 20242,193
- Total net migration, 20243,845
- Cumulative net domestic migration, 2021 to 20246,592
- Rank by growth among US county-equivalents485th of 3,144
The county has grown 5.40 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.
Lubbock County
Where are people moving to Lubbock County from?
- Tax returns filed by households arriving7,512
- People arriving, from those returns13,320
- Tax returns filed by households leaving7,537
- Net household movement-25
- Adjusted gross income arriving$468.5 m
- Net adjusted gross income movement$-24.2 m
- Average income of an arriving household$62,370
- Average income of a leaving household$65,379
- Largest single originHockley County (290 households)
- Largest single destinationDallas County (372 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Hockley County | 290 | 544 | $19.2 m |
| Hale County | 254 | 486 | $10.6 m |
| Tarrant County | 229 | 369 | $10.4 m |
| Dallas County | 219 | 357 | $20.1 m |
| Midland County | 194 | 366 | $15.4 m |
| Harris County | 176 | 290 | $9.6 m |
| Randall County | 172 | 299 | $8.8 m |
| Bexar County | 171 | 283 | $10.7 m |
Households arriving report $3,009 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Hockley 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.
Lubbock County
What is the Lubbock County economy?
- County GDP, 2024$19.82 bn
- County GDP, 2023$18.98 bn
- GDP change, 2023 to 20244.4 percent
- GDP change over five years31.4 percent
- Rank by GDP among the Texas areas BEA publishes19th of 254
- Rank by GDP among the US county areas BEA publishes261st of 3,127
- GDP per resident$62,162
Output grew 4.4 percent in the latest year and 31.4 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.
Lubbock County
Employment by industry in Lubbock County
- Covered employment, annual average151,811
- Establishments reporting8,294
- Average annual pay$54,452
- Average weekly wage$1,047
- Health care and social assistance, employment21,708
- Health care and social assistance, average annual pay$61,282
- Retail trade, employment19,641
- Retail trade, average annual pay$38,939
- Accommodation and food services, employment19,467
- Accommodation and food services, average annual pay$22,377
- Construction, employment8,006
- Construction, average annual pay$67,343
- Wholesale trade, employment6,478
- Administrative and support and waste management services, employment6,443
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 21,708 | 980 | $61,282 |
| Retail trade | 19,641 | 1,062 | $38,939 |
| Accommodation and food services | 19,467 | 748 | $22,377 |
| Construction | 8,006 | 855 | $67,343 |
| Wholesale trade | 6,478 | 442 | $81,033 |
| Administrative and support and waste management services | 6,443 | 402 | $41,490 |
| Professional, scientific and technical services | 5,361 | 820 | $73,016 |
| Transportation and warehousing | 5,317 | 220 | $53,711 |
Health care and social assistance is the largest private sector at 21,708 jobs, 14.3 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Lubbock County
How many businesses are in Lubbock County?
- Establishments, all industries8,019
- Employment at those establishments124,049
- Annual payroll$5.93 bn
- Establishments per 1,000 residents25.1
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.
Lubbock County
Building permits in Lubbock County
- Housing units authorized by permit, 20242,209
- Declared construction value permitted$568.4 m
- Single family units authorized1,911
- Multifamily units authorized298
- Multifamily share of units13.5 percent
- Average declared value per unit$257,296
- Units authorized per 1,000 households17.5
Single-family homes are 86.5 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Lubbock County
SBA loans in Lubbock County (7(a) and 504)
- 7(a) approvals recorded258
- 7(a) gross approval dollars$169.3 m
- Average 7(a) approval$656,181
- Median 7(a) approval$272,650
- 10th percentile approval$50,000
- 90th percentile approval$1,522,800
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)3,224
- Jobs per approval12.5
- Distinct 7(a) lenders active68
- Distinct industries receiving approvals121
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer11.2 percent
- Loans on real estate terms29
- Loans on working capital terms, 120 months or shorter208
- Franchise loans77
- Franchise share of approvals29.8 percent
- Most active lenderCornerstone Capital Bank SSB (25)
- 504 approvals recorded169
- 504 gross approval dollars$136.2 m
- Average 504 approval$805,740
- Median 504 approval$486,000
- Distinct CDCs active5
- 504 jobs per approval14.0
- 504 jobs per million dollars approved17.4
- Most active CDCCaprock Business Finance Corporation, Inc. (86)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$305.5 m
The average approval of $656,181 sits well above the median of $272,650, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 11.2 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.
Lubbock County
SBA loan default and charge-off rates in Lubbock County
Do SBA loans in Lubbock County get paid back?
- Loans with a final outcome recorded51
- Paid in full44
- Charged off7
- Charge-off rate on resolved loans13.7 percent
- Status: Exempt from disclosure169
- Status: Paid in full44
- Status: Cancelled29
- Status: Charged off7
- Status: Committed, not yet disbursed9
Of the 51 loans that have reached a final outcome, 13.7 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.
Lubbock County
SBA lending by place in Lubbock County
- Borrower cities with recorded lending6
- Lubbock, approvals241
- Wolfforth, approvals8
- Slaton, approvals3
- Ropesville, approvals2
- Shallowater, approvals2
- Idalou, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Lubbock | 241 | $161,338,600 |
| Wolfforth | 8 | $1,822,000 |
| Slaton | 3 | $1,341,600 |
| Ropesville | 2 | $2,352,000 |
| Shallowater | 2 | $1,436,900 |
| Idalou | 2 | $1,003,500 |
Lubbock accounts for 241 approvals against 8 in Wolfforth. 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.
Lubbock County
How large is Lubbock County?
- Land area896 sq mi
- Rank by land area among Texas counties155th of 254
- Width, east to west30.5 mi
- Height, north to south30.4 mi
- Geographies sharing a boundary4
- Residents per square mile of land356
- Establishments per square mile8.95
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.
Lubbock County
Flood risk in Lubbock County
- Participation of the county's own NFIP community Lubbock County, unincorporated areasParticipating, community 480915
- Communities in the county in the NFIP Community Status Book10
- Of those, participating in the NFIP10
- 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 7
- Communities carrying a CRS class1
- Radon levels in Lubbock County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The county's own community in the status book, unincorporated Lubbock County (community 480915), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Lubbock County in radon zone 2, a predicted average indoor radon screening level from 2 to 4 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 7, 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 Lubbock 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 Lubbock County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024318,884
- Households126,225
- Average household size2.53
- Median household income$64,155
- Median age31.9
Common questions
Lubbock County questions, answered from the record.
How many people live in Lubbock County, Texas?
The Census Bureau estimates 327,394 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 318,884, in 126,225 households, ranking 18th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Lubbock County's population growing?
The population has grown 5.40 percent since the 2020 census base of 310,635, to 327,394 on July 1, 2024. In 2024 there were 4,081 births against 2,986 deaths, with net migration of 3,845. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Lubbock County?
$64,155. The median owner-occupied home is valued at $214,100, which is 3.3 times income, and median gross rent is $1,178 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Lubbock County?
8,019 establishments, employing 124,049 people with an annual payroll of $5.93 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Lubbock County?
Health care and social assistance is the largest private sector at 21,708 jobs, 14.3 percent of covered employment. Covered employment averages 151,811 jobs at an average annual pay of $54,452, or $1,047 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Lubbock County?
258 7(a) approvals totaling $169.3 m since FY2020, across 68 lenders, with a median approval of $272,650, plus 169 504 approvals worth $136.2 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Lubbock County get paid back?
Of the 51 loans that have reached a final outcome, 44 were paid in full and 7 charged off, a charge-off rate of 13.7 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Lubbock County?
2,209 housing units were authorized by permit in 2024, with a declared construction value of $568.4 m. Multifamily was 13.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Lubbock County?
Zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Lubbock County come from?
The largest single origin is Hockley County, with 290 households. Arriving households report an average income of $62,370 against $65,379 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Lubbock 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 Lubbock 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.
Lubbock County
Cities and places in Lubbock.
9 Census places lie wholly or partly in Lubbock County. All 9 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 |
|---|---|---|---|---|
| Lubbock | city | 264,814 | 241 | Wholly in this county |
| Wolfforth | city | 6,701 | 8 | Wholly in this county |
| Slaton | city | 5,761 | 3 | Wholly in this county |
| Abernathy | city | 3,278 | None recorded | 15.0 percent here, 85.0 percent Hale County |
| Shallowater | city | 2,955 | 2 | Wholly in this county |
| Idalou | city | 2,151 | 2 | Wholly in this county |
| Ransom Canyon | town | 1,041 | None recorded | Wholly in this county |
| New Deal | town | 668 | None recorded | Wholly in this county |
| Buffalo Springs Lake | village | 571 | None recorded | Wholly in this county |
A further 2 of the county's 258 SBA 7(a) approvals are to borrowers in cities that match no Census place in Lubbock County, the largest being Ropesville (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