HomeTexasPanola CountyGary City
Gary City, Texas: commercial real estate data.
Gary City is a Census town of 407 people across 1.90 square miles of land, in Panola County. Median household income is $66,250, 91.5 percent of occupied homes are owned, and the SBA record carries 3 7(a) approvals to borrowers here worth $5.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Gary City
What Gary City is
- Census place typetown
- Land area1.9 sq mi
- Water area0 sq mi
- Population per square mile of land214 plus or minus 78
- County holding the largest share of its areaPanola County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gary City
How many people live in Gary City
- Population407 plus or minus 148
- Median age29.5 plus or minus 9.2
- Population under 18114 plus or minus 68
- Share under 1828.0 percent plus or minus 13.2
- Population 65 and over62 plus or minus 34
- Share 65 and over15.2 percent plus or minus 6.4
- Households141 plus or minus 55
- Family households96 plus or minus 44
- Share of households that are families68.1 percent plus or minus 16.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gary City
Income and work in Gary City
- Median household income$66,250 plus or minus $26,330
- Per capita income$27,256 plus or minus $7,287
- Civilian labor force187 plus or minus 77
- Employed185 plus or minus 76
- Unemployed2 plus or minus 4
- Unemployment rate1.1 percent plus or minus 2.1
- Adults 25 and over254 plus or minus 79
- Adults 25 and over with a high school diploma or higher87.4 percent
- Adults 25 and over with a bachelor degree or higher14.6 percent plus or minus 14.0
- Adults 25 and over with a graduate degree6.7 percent plus or minus 11.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gary City
Housing in Gary City
- Housing units159 plus or minus 56
- Occupied units141 plus or minus 55
- Vacant units18 plus or minus 16
- Vacancy rate11.3 percent plus or minus 9.2
- Owner occupied129 plus or minus 50
- Renter occupied12 plus or minus 18
- Ownership rate91.5 percent plus or minus 50.3
- Median owner-occupied home value$168,800 plus or minus $82,435
- Single family units123 plus or minus 52
- Share single family77.4 percent plus or minus 18.3
- Units in buildings of two or more0
- Share in buildings of two or more0.0 percent
- Mobile homes36 plus or minus 25
- Median year structure built1976
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gary City
How Gary City gets to work
- Workers 16 and over who commute148 plus or minus 68
- Commuting under 15 minutes41 plus or minus 41
- Share commuting under 15 minutes27.7 percent plus or minus 24.9
- Commuting 30 minutes or more55 plus or minus 33
- Share commuting 30 minutes or more37.2 percent plus or minus 14.2
- Drove alone73.0 percent plus or minus 22.2
- Carpooled7.0 percent plus or minus 7.6
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home20.0 percent plus or minus 25.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gary City
SBA loans in Gary City (7(a))
- Approvals3
- Gross approval$5,047,000
- Average approval$1,682,333
- Median approval$1,532,000
- Largest approval$2,660,000
- Jobs supported6
- Jobs per approval2.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term251 months
- Share on real estate terms of 20 years or more66.7 percent
- Share to franchises0.0 percent
- Distinct lenders2
- Distinct industries by NAICS2
Counted by borrower city: approvals to borrowers whose address is in Gary City, in any county, FY2020 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Gary City
Flood risk in Gary City
- NFIP communityCity of Gary
- NFIP community number481148
- Participating in the NFIPNo
- Community Rating System classNone
- Currently effective map date11/19/76
The City of Gary does not participate in the National Flood Insurance Program as community 481148 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Panola County, not Gary City
Panola County context, not Gary City figures
- Establishments in Panola County479
- Covered employment, Panola County7,601
- Average annual pay, Panola County$59,410
- Housing units permitted, Panola County17
Every figure in this section is published for Panola County as a whole and is not a measurement of Gary City.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, 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 →
Common questions
Gary City questions, answered from the record.
How many people live in Gary City, Texas?
407, in 141 households. Gary City town covers 1.90 square miles of land, which is 214 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Gary City in?
Panola County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Gary City?
$66,250. The median owner-occupied home is valued at $168,800. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Gary City businesses?
3 7(a) approvals totaling $5.0 m since FY2020, across 2 lenders, median approval $1,532,000. These count approvals to borrowers whose address is in Gary City, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Gary City borrowers get paid back?
No rate is published for Gary City. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Gary City in the National Flood Insurance Program?
No, it is listed but not participating. Gary City appears in the FEMA Community Status Book as Gary, city of, community 481148, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Gary City figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Panola County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Gary City.
Is zoning published for Gary City?
No. Nothing on this page presents parcel level zoning.
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