Potter County, Texas: commercial real estate data.
Potter County, Texas had an estimated 114,649 residents on July 1, 2024, down 3.3 percent since the 2020 census base of 118,557, across 908 square miles. County output reached $11.38 bn in 2024, 3,489 establishments operate here, and the SBA record carries 57 7(a) approvals worth $50.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Potter County
How many people live in Potter County
- Population, American Community Survey 2020-2024115,975
- Households42,581
- Average household size2.72
- Median household income$53,249
- Median age35.1
- Median gross rent$1,022 per month
- Median owner-occupied home value$147,300
- Home value to household income2.8 times
- Annual rent as a share of median income23.0 percent
- Adults 25 and over with a bachelor degree or higher18.6 percent
- Adults 25 and over with a graduate degree5.8 percent
- Adults 25 and over74,421
- Population under 1830,966
- Share under 1826.7 percent
- Population 65 and over16,611
- Share 65 and over14.3 percent
- Working age population, 18 to 6468,398
- Civilian labor force51,868
- Unemployment rate3.8 percent
- Labor force participation, adults 18 and over61.0 percent
- Rank by population among Texas counties40th of 254
- Rank by population among US county-equivalents, Puerto Rico included547th of 3,222
Potter County is the 40th largest of 254 Texas counties by population. A median home costs 2.8 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 26.7 percent against 14.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Potter County
Is Potter County's population growing?
- Population, July 1, 2024114,649
- Census 2020 base population118,557
- Population change since the 2020 census base-3.30 percent
- Population change, 2023 to 2024-660
- Births, 20241,623
- Deaths, 20241,342
- Natural change, 2024281
- Net domestic migration, 2024-1,912
- Net international migration, 2024995
- Total net migration, 2024-917
- Cumulative net domestic migration, 2021 to 2024-6,697
- Rank by growth among US county-equivalents2791st of 3,144
The county has lost 3.30 percent of its population since the 2020 census base. More people left than moved in during 2024 and births over deaths did not make up the difference, so the population fell.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Potter County
Where are people moving to Potter County from?
- Tax returns filed by households arriving3,848
- People arriving, from those returns7,162
- Tax returns filed by households leaving4,246
- Net household movement-398
- Adjusted gross income arriving$218.4 m
- Net adjusted gross income movement$12.2 m
- Average income of an arriving household$56,768
- Average income of a leaving household$48,582
- Largest single originRandall County (1,912 households)
- Largest single destinationRandall County (2,152 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Randall County | 1,912 | 3,640 | $131.7 m |
| Lubbock County | 107 | 176 | $3.8 m |
| Moore County | 69 | 117 | $2.6 m |
| Hutchinson County | 57 | 110 | $3.1 m |
| Dallas County | 53 | 97 | $2.6 m |
| Tarrant County | 49 | 94 | $4.1 m |
| Gray County | 45 | 75 | $1.8 m |
| Deaf Smith County | 41 | 81 | $1.3 m |
Households arriving report $8,186 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 Randall 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.
Potter County
What is the Potter County economy?
- County GDP, 2024$11.38 bn
- County GDP, 2023$10.92 bn
- GDP change, 2023 to 20244.2 percent
- GDP change over five years25.3 percent
- Rank by GDP among the Texas areas BEA publishes32nd of 254
- Rank by GDP among the US county areas BEA publishes398th of 3,127
- GDP per resident$98,110
Output grew 4.2 percent in the latest year and 25.3 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.
Potter County
Employment by industry in Potter County
- Covered employment, annual average77,805
- Establishments reporting4,057
- Average annual pay$59,781
- Average weekly wage$1,150
- Health care and social assistance, employment12,764
- Health care and social assistance, average annual pay$65,881
- Accommodation and food services, employment8,260
- Accommodation and food services, average annual pay$23,237
- Retail trade, employment7,928
- Retail trade, average annual pay$38,100
- Manufacturing, employment7,292
- Manufacturing, average annual pay$60,289
- Construction, employment4,096
- Professional, scientific and technical services, employment3,508
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 12,764 | 553 | $65,881 |
| Accommodation and food services | 8,260 | 396 | $23,237 |
| Retail trade | 7,928 | 470 | $38,100 |
| Manufacturing | 7,292 | 144 | $60,289 |
| Construction | 4,096 | 371 | $64,048 |
| Professional, scientific and technical services | 3,508 | 394 | $78,291 |
| Wholesale trade | 3,471 | 211 | $94,346 |
| Finance and insurance | 3,031 | 250 | $94,664 |
Health care and social assistance is the largest private sector at 12,764 jobs, 16.4 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Potter County
How many businesses are in Potter County?
- Establishments, all industries3,489
- Employment at those establishments61,818
- Annual payroll$3.55 bn
- Establishments per 1,000 residents30.1
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.
Potter County
Building permits in Potter County
- Housing units authorized by permit, 20241,214
- Declared construction value permitted$254.9 m
- Single family units authorized562
- Multifamily units authorized652
- Multifamily share of units53.7 percent
- Average declared value per unit$209,991
- Units authorized per 1,000 households28.5
Multifamily is 53.7 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Potter County
SBA loans in Potter County (7(a) and 504)
- 7(a) approvals recorded57
- 7(a) gross approval dollars$50.8 m
- Average 7(a) approval$891,772
- Median 7(a) approval$250,000
- 10th percentile approval$34,800
- 90th percentile approval$3,577,380
- Largest single approval$4,657,300
- Jobs reported supported, 7(a)1,414
- Jobs per approval24.8
- Distinct 7(a) lenders active29
- Distinct industries receiving approvals38
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer19.3 percent
- Loans on real estate terms11
- Loans on working capital terms, 120 months or shorter39
- Franchise loans17
- Franchise share of approvals29.8 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (5)
- Most active lenderThe Huntington National Bank (6)
- 504 approvals recorded38
- 504 gross approval dollars$39.0 m
- Average 504 approval$1,025,816
- Median 504 approval$440,000
- Distinct CDCs active7
- 504 jobs per approval9.9
- 504 jobs per million dollars approved9.6
- Most active CDCTexas Panhandle Regional Development Corporation (26)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$89.8 m
The average approval of $891,772 sits well above the median of $250,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 19.3 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.
Potter County
SBA loan default and charge-off rates in Potter County
Do SBA loans in Potter County get paid back?
- Loans with a final outcome recorded11
- Paid in full10
- Charged off1
- Status: Exempt from disclosure39
- Status: Paid in full10
- Status: Charged off1
- Status: Cancelled7
Only 11 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.
Potter County
SBA lending by place in Potter County
- Borrower cities with recorded lending2
- Amarillo, approvals55
- Bushland, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Amarillo | 55 | $50,266,600 |
| Bushland | 2 | $564,400 |
Amarillo accounts for 55 approvals against 2 in Bushland. 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.
Potter County
How large is Potter County?
- Land area908 sq mi
- Rank by land area among Texas counties129th of 254
- Width, east to west30.7 mi
- Height, north to south30.2 mi
- Geographies sharing a boundary4
- Residents per square mile of land128
- Establishments per square mile3.84
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.
Potter County
Flood risk in Potter County
- Participation of the county's own NFIP community Potter County, unincorporated areasParticipating, community 481241
- Communities in the county in the NFIP Community Status Book3
- Of those, participating in the NFIP3
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Potter 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 Potter County (community 481241), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Potter 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. 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 Potter 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 Potter County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024115,975
- Households42,581
- Average household size2.72
- Median household income$53,249
- Median age35.1
Common questions
Potter County questions, answered from the record.
How many people live in Potter County, Texas?
The Census Bureau estimates 114,649 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 115,975, in 42,581 households, ranking 40th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Potter County's population growing?
The population has fallen 3.30 percent since the 2020 census base of 118,557, to 114,649 on July 1, 2024. In 2024 there were 1,623 births against 1,342 deaths, with net migration of -917. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Potter County?
$53,249. The median owner-occupied home is valued at $147,300, which is 2.8 times income, and median gross rent is $1,022 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Potter County?
3,489 establishments, employing 61,818 people with an annual payroll of $3.55 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 Potter County?
Health care and social assistance is the largest private sector at 12,764 jobs, 16.4 percent of covered employment. Covered employment averages 77,805 jobs at an average annual pay of $59,781, or $1,150 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Potter County?
57 7(a) approvals totaling $50.8 m since FY2020, across 29 lenders, with a median approval of $250,000, plus 38 504 approvals worth $39.0 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Potter County?
1,214 housing units were authorized by permit in 2024, with a declared construction value of $254.9 m. Multifamily was 53.7 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Potter 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 Potter County come from?
The largest single origin is Randall County, with 1,912 households. Arriving households report an average income of $56,768 against $48,582 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Potter 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 Potter 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.
Potter County
Cities and places in Potter.
3 Census places lie wholly or partly in Potter 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 |
|---|---|---|---|---|
| Amarillo | city | 201,885 | 55 | 66.3 percent here, 33.7 percent Randall County |
| Bushland | CDP | 2,779 | 2 | 85.3 percent here, 14.7 percent Randall County |
| Bishop Hills | town | 202 | None recorded | Wholly in this county |
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