Montague County, Texas: commercial real estate data.
Montague County, Texas had an estimated 21,890 residents on July 1, 2024, up 9.4 percent since the 2020 census base of 20,011, across 931 square miles. County output reached $798.4 m in 2024, 448 establishments operate here, and the SBA record carries 8 7(a) approvals worth $4.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Montague County
How many people live in Montague County
- Population, American Community Survey 2020-202421,046
- Households8,538
- Average household size2.46
- Median household income$64,545
- Median age44.2
- Median gross rent$1,008 per month
- Median owner-occupied home value$206,400
- Home value to household income3.2 times
- Annual rent as a share of median income18.7 percent
- Adults 25 and over with a bachelor degree or higher18.9 percent
- Adults 25 and over with a graduate degree5.7 percent
- Adults 25 and over14,873
- Population under 184,788
- Share under 1822.8 percent
- Population 65 and over4,593
- Share 65 and over21.8 percent
- Working age population, 18 to 6411,665
- Civilian labor force8,849
- Unemployment rate7.1 percent
- Labor force participation, adults 18 and over54.4 percent
- Rank by population among Texas counties114th of 254
- Rank by population among US county-equivalents, Puerto Rico included1819th of 3,222
Montague County is the 114th largest of 254 Texas counties by population. A median home costs 3.2 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 22.8 percent against 21.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Montague County
Is Montague County's population growing?
- Population, July 1, 202421,890
- Census 2020 base population20,011
- Population change since the 2020 census base9.39 percent
- Population change, 2023 to 2024210
- Births, 2024219
- Deaths, 2024295
- Natural change, 2024-76
- Net domestic migration, 2024271
- Net international migration, 202414
- Total net migration, 2024285
- Cumulative net domestic migration, 2021 to 20242,293
- Rank by growth among US county-equivalents167th of 3,144
The county has grown 9.39 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.
Montague County
Where are people moving to Montague County from?
- Tax returns filed by households arriving805
- People arriving, from those returns1,702
- Tax returns filed by households leaving491
- Net household movement314
- Adjusted gross income arriving$66.7 m
- Net adjusted gross income movement$35.2 m
- Average income of an arriving household$82,906
- Average income of a leaving household$64,202
- Largest single originTarrant County (132 households)
- Largest single destinationWise County (57 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Tarrant County | 132 | 277 | $10.1 m |
| Denton County | 113 | 245 | $19.8 m |
| Wise County | 102 | 247 | $6.1 m |
| Cooke County | 38 | 88 | $2.6 m |
| Parker County | 29 | 62 | $1.7 m |
| Dallas County | 23 | 38 | $1.2 m |
| Clay County | 21 | 47 | $1.3 m |
| Collin County | 21 | 46 | $3.4 m |
Households arriving report $18,704 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 Tarrant 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.
Montague County
What is the Montague County economy?
- County GDP, 2024$798.4 m
- County GDP, 2023$806.9 m
- GDP change, 2023 to 2024-1.0 percent
- GDP change over five years37.3 percent
- Rank by GDP among the Texas areas BEA publishes163rd of 254
- Rank by GDP among the US county areas BEA publishes2028th of 3,127
- GDP per resident$37,937
Output grew -1.0 percent in the latest year and 37.3 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.
Montague County
Employment by industry in Montague County
- Covered employment, annual average4,925
- Establishments reporting515
- Average annual pay$47,325
- Average weekly wage$910
- Retail trade, employment746
- Retail trade, average annual pay$33,424
- Manufacturing, employment615
- Manufacturing, average annual pay$60,690
- Accommodation and food services, employment421
- Accommodation and food services, average annual pay$19,450
- Construction, employment313
- Construction, average annual pay$63,300
- Mining, quarrying, and oil and gas extraction, employment221
- Other services, except public administration, employment156
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 746 | 70 | $33,424 |
| Manufacturing | 615 | 21 | $60,690 |
| Accommodation and food services | 421 | 38 | $19,450 |
| Construction | 313 | 54 | $63,300 |
| Mining, quarrying, and oil and gas extraction | 221 | 25 | $71,385 |
| Other services, except public administration | 156 | 40 | $42,238 |
| Finance and insurance | 143 | 22 | $72,798 |
| Professional, scientific and technical services | 134 | 44 | $49,513 |
Retail trade is the largest private sector at 746 jobs, 15.1 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Montague County
How many businesses are in Montague County?
- Establishments, all industries448
- Employment at those establishments3,667
- Annual payroll$166.0 m
- Establishments per 1,000 residents21.3
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.
Montague County
Building permits in Montague County
- Housing units authorized by permit, 202422
- Declared construction value permitted$2.2 m
- Single family units authorized22
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$98,409
- Units authorized per 1,000 households2.6
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.
Montague County
SBA loans in Montague County (7(a) and 504)
- 7(a) approvals recorded8
- 7(a) gross approval dollars$4.9 m
- Average 7(a) approval$610,500
- Median 7(a) approval$435,000
- Largest single approval$1,504,000
- Jobs reported supported, 7(a)202
- Jobs per approval25.3
- Distinct 7(a) lenders active7
- Distinct industries receiving approvals8
- Median 7(a) term180 months
- Share of loans on real estate terms, 240 months or longer50.0 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter4
- Franchise loans3
- Franchise share of approvals37.5 percent
- 504 approvals recorded1
- 504 gross approval dollars$222,000
- Average 504 approval$222,000
- Median 504 approval$222,000
- Distinct CDCs active1
- 504 jobs per approval1.0
- 504 jobs per million dollars approved4.5
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$5.1 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.
Montague County
SBA loan default and charge-off rates in Montague County
Do SBA loans in Montague County get paid back?
- Loans with a final outcome recorded2
- Paid in full2
- Charged off0
- Status: Exempt from disclosure5
- Status: Paid in full2
- Status: Cancelled1
Only 2 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.
Montague County
SBA lending by place in Montague County
- Borrower cities with recorded lending3
- Bowie, approvals6
- Era, approvals1
- St. Jo, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Bowie | 6 | $4,769,000 |
| Era | 1 | $100,000 |
| St. Jo | 1 | $15,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Montague County
How large is Montague County?
- Land area931 sq mi
- Rank by land area among Texas counties97th of 254
- Width, east to west28.4 mi
- Height, north to south38.5 mi
- Geographies sharing a boundary6
- Residents per square mile of land23
- Establishments per square mile0.48
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.
Montague County
Flood risk in Montague County
- Participation of the county's own NFIP community Montague County, unincorporated areasParticipating, community 480939
- 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 Montague 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 Montague County (community 480939), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Montague 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 Montague 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 Montague County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202421,046
- Households8,538
- Average household size2.46
- Median household income$64,545
- Median age44.2
Common questions
Montague County questions, answered from the record.
How many people live in Montague County, Texas?
The Census Bureau estimates 21,890 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 21,046, in 8,538 households, ranking 114th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Montague County's population growing?
The population has grown 9.39 percent since the 2020 census base of 20,011, to 21,890 on July 1, 2024. In 2024 there were 219 births against 295 deaths, with net migration of 285. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Montague County?
$64,545. The median owner-occupied home is valued at $206,400, which is 3.2 times income, and median gross rent is $1,008 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Montague County?
448 establishments, employing 3,667 people with an annual payroll of $166.0 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 Montague County?
Retail trade is the largest private sector at 746 jobs, 15.1 percent of covered employment. Covered employment averages 4,925 jobs at an average annual pay of $47,325, or $910 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Montague County?
8 7(a) approvals totaling $4.9 m since FY2020, across 7 lenders, with a median approval of $435,000, plus 1 504 approvals worth $222,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Montague County?
22 housing units were authorized by permit in 2024, with a declared construction value of $2.2 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Montague 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 Montague County come from?
The largest single origin is Tarrant County, with 132 households. Arriving households report an average income of $82,906 against $64,202 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Montague 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 Montague 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.
Montague County
Cities and places in Montague.
7 Census places lie wholly or partly in Montague County. All 7 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 |
|---|---|---|---|---|
| Bowie | city | 5,770 | 6 | Wholly in this county |
| Nocona | city | 3,144 | None recorded | Wholly in this county |
| St. Jo | city | 911 | 1 | Wholly in this county |
| Nocona Hills | CDP | 687 | None recorded | Wholly in this county |
| Sunset | CDP | 402 | None recorded | Wholly in this county |
| Montague | CDP | 189 | None recorded | Wholly in this county |
| Ringgold | CDP | 174 | None recorded | Wholly in this county |
A further 1 of the county's 8 SBA 7(a) approvals are to borrowers in cities that match no Census place in Montague County, the largest being Era (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