McCulloch County, Texas: commercial real estate data.
McCulloch County, Texas had an estimated 7,448 residents on July 1, 2024, down 2.4 percent since the 2020 census base of 7,629, across 1,066 square miles. County output reached $439.8 m in 2024, 219 establishments operate here, and the SBA record carries 3 7(a) approvals worth $2.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
McCulloch County
How many people live in McCulloch County
- Population, American Community Survey 2020-20247,514
- Households3,297
- Average household size2.28
- Median household income$54,043
- Median age44.5
- Median gross rent$806 per month
- Median owner-occupied home value$150,500
- Home value to household income2.8 times
- Annual rent as a share of median income17.9 percent
- Adults 25 and over with a bachelor degree or higher23.9 percent
- Adults 25 and over with a graduate degree8.6 percent
- Adults 25 and over5,366
- Population under 181,647
- Share under 1821.9 percent
- Population 65 and over1,778
- Share 65 and over23.7 percent
- Working age population, 18 to 644,089
- Civilian labor force3,617
- Unemployment rate9.0 percent
- Labor force participation, adults 18 and over61.6 percent
- Rank by population among Texas counties180th of 254
- Rank by population among US county-equivalents, Puerto Rico included2690th of 3,222
McCulloch County is the 180th largest of 254 Texas counties by population. A median home costs 2.8 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 23.7 percent against 21.9 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.
McCulloch County
Is McCulloch County's population growing?
- Population, July 1, 20247,448
- Census 2020 base population7,629
- Population change since the 2020 census base-2.37 percent
- Population change, 2023 to 2024-68
- Births, 2024100
- Deaths, 2024155
- Natural change, 2024-55
- Net domestic migration, 2024-10
- Net international migration, 2024-2
- Total net migration, 2024-12
- Cumulative net domestic migration, 2021 to 2024118
- Rank by growth among US county-equivalents2591st of 3,144
The county has lost 2.37 percent of its population since the 2020 census base. The population fell in 2024 from both sources: deaths exceeded births and more people left than moved in.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
McCulloch County
Where are people moving to McCulloch County from?
- Tax returns filed by households arriving236
- People arriving, from those returns468
- Tax returns filed by households leaving178
- Net household movement58
- Adjusted gross income arriving$16.4 m
- Net adjusted gross income movement$7.5 m
- Average income of an arriving household$69,610
- Average income of a leaving household$49,978
| Origin | Households | People | Adjusted gross income |
|---|
Households arriving report $19,632 more average income than households leaving, so the migration is raising local spending power rather than just moving it around.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
McCulloch County
What is the McCulloch County economy?
- County GDP, 2024$439.8 m
- County GDP, 2023$471.5 m
- GDP change, 2023 to 2024-6.7 percent
- GDP change over five years31.5 percent
- Rank by GDP among the Texas areas BEA publishes194th of 254
- Rank by GDP among the US county areas BEA publishes2480th of 3,127
- GDP per resident$58,529
Output grew -6.7 percent in the latest year and 31.5 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.
McCulloch County
Employment by industry in McCulloch County
- Covered employment, annual average2,298
- Establishments reporting276
- Average annual pay$49,698
- Average weekly wage$956
- Retail trade, employment375
- Retail trade, average annual pay$32,989
- Health care and social assistance, employment230
- Health care and social assistance, average annual pay$65,363
- Mining, quarrying, and oil and gas extraction, employment148
- Mining, quarrying, and oil and gas extraction, average annual pay$99,756
- Wholesale trade, employment142
- Wholesale trade, average annual pay$56,175
- Finance and insurance, employment107
- Agriculture, forestry, fishing and hunting, employment92
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 375 | 31 | $32,989 |
| Health care and social assistance | 230 | 17 | $65,363 |
| Mining, quarrying, and oil and gas extraction | 148 | 5 | $99,756 |
| Wholesale trade | 142 | 10 | $56,175 |
| Finance and insurance | 107 | 12 | $63,216 |
| Agriculture, forestry, fishing and hunting | 92 | 30 | $35,387 |
| Manufacturing | 68 | 12 | $52,293 |
| Construction | 63 | 22 | $37,349 |
Retail trade is the largest private sector at 375 jobs, 16.3 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
McCulloch County
How many businesses are in McCulloch County?
- Establishments, all industries219
- Employment at those establishments1,761
- Annual payroll$72.5 m
- Establishments per 1,000 residents29.1
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.
McCulloch County
Building permits in McCulloch County
- Housing units authorized by permit, 20240
- Declared construction value permitted$0
- Single family units authorized0
- Multifamily units authorized0
No residential units were authorized by permit in 2024. In a small county this is common and is not by itself a sign of distress, but it does mean there is no recent residential pipeline to read demand from.
US Census Bureau, Building Permits Survey, 2024 annual.
McCulloch County
SBA loans in McCulloch County (7(a) and 504)
- 7(a) approvals recorded3
- 7(a) gross approval dollars$2.4 m
- Average 7(a) approval$802,333
- Median 7(a) approval$671,000
- Largest single approval$1,386,000
- Jobs reported supported, 7(a)43
- Jobs per approval14.3
- Distinct 7(a) lenders active3
- Distinct industries receiving approvals3
- Median 7(a) term277 months
- Share of loans on real estate terms, 240 months or longer66.7 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter1
- Franchise loans0
- Franchise share of approvals0.0 percent
- 504 approvals recorded2
- 504 gross approval dollars$676,000
- Average 504 approval$338,000
- Median 504 approval$338,000
- Distinct CDCs active2
- 504 jobs per approval15.0
- 504 jobs per million dollars approved44.4
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$3.1 m
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.
McCulloch County
SBA loan default and charge-off rates in McCulloch County
Do SBA loans in McCulloch County get paid back?
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure3
Only 0 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.
McCulloch County
SBA lending by place in McCulloch County
- Borrower cities with recorded lending2
- Brady, approvals2
- Brownwood, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Brady | 2 | $1,021,000 |
| Brownwood | 1 | $1,386,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
McCulloch County
How large is McCulloch County?
- Land area1,066 sq mi
- Rank by land area among Texas counties55th of 254
- Width, east to west30.3 mi
- Height, north to south38.1 mi
- Geographies sharing a boundary6
- Residents per square mile of land7
- Establishments per square mile0.21
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.
McCulloch County
Flood risk in McCulloch County
- Communities in the county in the NFIP Community Status Book2
- Of those, participating in the NFIP1
- NFIP participation rate50.0 percent
- Communities carrying a CRS class0
- Radon levels in McCulloch County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The EPA places McCulloch 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. 50.0 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 McCulloch 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 McCulloch County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-20247,514
- Households3,297
- Average household size2.28
- Median household income$54,043
- Median age44.5
Common questions
McCulloch County questions, answered from the record.
How many people live in McCulloch County, Texas?
The Census Bureau estimates 7,448 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 7,514, in 3,297 households, ranking 180th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is McCulloch County's population growing?
The population has fallen 2.37 percent since the 2020 census base of 7,629, to 7,448 on July 1, 2024. In 2024 there were 100 births against 155 deaths, with net migration of -12. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in McCulloch County?
$54,043. The median owner-occupied home is valued at $150,500, which is 2.8 times income, and median gross rent is $806 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in McCulloch County?
219 establishments, employing 1,761 people with an annual payroll of $72.5 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 McCulloch County?
Retail trade is the largest private sector at 375 jobs, 16.3 percent of covered employment. Covered employment averages 2,298 jobs at an average annual pay of $49,698, or $956 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in McCulloch County?
3 7(a) approvals totaling $2.4 m since FY2020, across 3 lenders, with a median approval of $671,000, plus 2 504 approvals worth $676,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in McCulloch County?
No residential units were authorized by permit in 2024. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for McCulloch 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.
Are traffic counts available for McCulloch 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 McCulloch 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.
McCulloch County
Cities and places in McCulloch.
3 Census places lie wholly or partly in McCulloch 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 |
|---|---|---|---|---|
| Brady | city | 5,230 | 2 | Wholly in this county |
| Rochelle | CDP | 150 | None recorded | Wholly in this county |
| Melvin | town | 114 | None recorded | Wholly in this county |
A further 1 of the county's 3 SBA 7(a) approvals are to borrowers in cities that match no Census place in McCulloch County, the largest being Brownwood (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