Rockwall County, Texas: commercial real estate data.
Rockwall County, Texas had an estimated 137,044 residents on July 1, 2024, up 27.0 percent since the 2020 census base of 107,884, across 127 square miles. County output reached $7.87 bn in 2024, 2,986 establishments operate here, and the SBA record carries 198 7(a) approvals worth $140.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Rockwall County
How many people live in Rockwall County
- Population, American Community Survey 2020-2024123,617
- Households41,237
- Average household size3.00
- Median household income$127,981
- Median age37.5
- Median gross rent$1,992 per month
- Median owner-occupied home value$415,500
- 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 higher44.5 percent
- Adults 25 and over with a graduate degree15.6 percent
- Adults 25 and over80,968
- Population under 1832,755
- Share under 1826.5 percent
- Population 65 and over15,613
- Share 65 and over12.6 percent
- Working age population, 18 to 6475,249
- Civilian labor force66,399
- Unemployment rate4.3 percent
- Labor force participation, adults 18 and over73.1 percent
- Rank by population among Texas counties38th of 254
- Rank by population among US county-equivalents, Puerto Rico included528th of 3,222
Rockwall County is the 38th 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 26.5 percent against 12.6 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Rockwall County
Is Rockwall County's population growing?
- Population, July 1, 2024137,044
- Census 2020 base population107,884
- Population change since the 2020 census base27.03 percent
- Population change, 2023 to 20245,408
- Births, 20241,382
- Deaths, 2024859
- Natural change, 2024523
- Net domestic migration, 20244,531
- Net international migration, 2024387
- Total net migration, 20244,918
- Cumulative net domestic migration, 2021 to 202424,881
- Rank by growth among US county-equivalents2nd of 3,144
The county has grown 27.03 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.
Rockwall County
Where are people moving to Rockwall County from?
- Tax returns filed by households arriving6,567
- People arriving, from those returns14,261
- Tax returns filed by households leaving4,284
- Net household movement2,283
- Adjusted gross income arriving$657.5 m
- Net adjusted gross income movement$288.4 m
- Average income of an arriving household$100,129
- Average income of a leaving household$86,177
- Largest single originDallas County (2,286 households)
- Largest single destinationDallas County (1,064 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Dallas County | 2,286 | 4,727 | $216.7 m |
| Collin County | 819 | 1,806 | $71.3 m |
| Kaufman County | 358 | 845 | $35.7 m |
| Hunt County | 294 | 653 | $23.1 m |
| Denton County | 280 | 562 | $25.0 m |
| Tarrant County | 212 | 436 | $17.4 m |
| Los Angeles County | 80 | 173 | $8.4 m |
| Harris County | 70 | 142 | $11.5 m |
Households arriving report $13,952 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 Dallas 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.
Rockwall County
What is the Rockwall County economy?
- County GDP, 2024$7.87 bn
- County GDP, 2023$7.39 bn
- GDP change, 2023 to 20246.5 percent
- GDP change over five years71.6 percent
- Rank by GDP among the Texas areas BEA publishes41st of 254
- Rank by GDP among the US county areas BEA publishes532nd of 3,127
- GDP per resident$63,632
Output grew 6.5 percent in the latest year and 71.6 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.
Rockwall County
Employment by industry in Rockwall County
- Covered employment, annual average41,550
- Establishments reporting3,378
- Average annual pay$56,941
- Average weekly wage$1,095
- Accommodation and food services, employment6,584
- Accommodation and food services, average annual pay$24,318
- Retail trade, employment6,303
- Retail trade, average annual pay$41,337
- Health care and social assistance, employment5,857
- Health care and social assistance, average annual pay$67,032
- Construction, employment3,195
- Construction, average annual pay$79,873
- Manufacturing, employment2,877
- Professional, scientific and technical services, employment2,694
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Accommodation and food services | 6,584 | 265 | $24,318 |
| Retail trade | 6,303 | 302 | $41,337 |
| Health care and social assistance | 5,857 | 421 | $67,032 |
| Construction | 3,195 | 396 | $79,873 |
| Manufacturing | 2,877 | 111 | $74,234 |
| Professional, scientific and technical services | 2,694 | 530 | $87,652 |
| Administrative and support and waste management services | 1,914 | 230 | $52,731 |
| Other services, except public administration | 1,814 | 236 | $43,515 |
Accommodation and food services is the largest private sector at 6,584 jobs, 15.8 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Rockwall County
How many businesses are in Rockwall County?
- Establishments, all industries2,986
- Employment at those establishments35,020
- Annual payroll$1.81 bn
- Establishments per 1,000 residents24.2
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.
Rockwall County
Building permits in Rockwall County
- Housing units authorized by permit, 20241,810
- Declared construction value permitted$549.8 m
- Single family units authorized1,810
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$303,750
- Units authorized per 1,000 households43.9
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.
Rockwall County
SBA loans in Rockwall County (7(a) and 504)
- 7(a) approvals recorded198
- 7(a) gross approval dollars$140.7 m
- Average 7(a) approval$710,357
- Median 7(a) approval$303,100
- 10th percentile approval$50,000
- 90th percentile approval$1,649,140
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)3,063
- Jobs per approval15.5
- Distinct 7(a) lenders active82
- Distinct industries receiving approvals93
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer20.2 percent
- Loans on real estate terms40
- Loans on working capital terms, 120 months or shorter140
- Franchise loans47
- Franchise share of approvals23.7 percent
- Leading industry by approval countFull-Service Restaurants (18)
- Most active lenderSouthState Bank, National Association (15)
- 504 approvals recorded34
- 504 gross approval dollars$46.0 m
- Average 504 approval$1,352,559
- Median 504 approval$1,079,000
- Distinct CDCs active5
- 504 jobs per approval22.0
- 504 jobs per million dollars approved16.3
- Most active CDCGreater East Texas Certified Development Company (13)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$186.6 m
The average approval of $710,357 sits well above the median of $303,100, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 20.2 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.
Rockwall County
SBA loan default and charge-off rates in Rockwall County
Do SBA loans in Rockwall County get paid back?
- Loans with a final outcome recorded33
- Paid in full31
- Charged off2
- Charge-off rate on resolved loans6.1 percent
- Status: Paid in full31
- Status: Charged off2
- Status: Exempt from disclosure132
- Status: Cancelled22
- Status: Committed, not yet disbursed11
Of the 33 loans that have reached a final outcome, 6.1 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.
Rockwall County
SBA lending by place in Rockwall County
- Borrower cities with recorded lending8
- Rockwall, approvals118
- Royse City, approvals40
- Fate, approvals18
- Rowlett, approvals9
- Heath, approvals9
- Forney, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Rockwall | 118 | $94,330,900 |
| Royse City | 40 | $14,926,100 |
| Fate | 18 | $12,304,900 |
| Rowlett | 9 | $8,689,000 |
| Heath | 9 | $6,794,600 |
| Forney | 2 | $360,000 |
| Josephine | 1 | $2,673,100 |
| Wylie | 1 | $572,000 |
Rockwall accounts for 118 approvals against 40 in Royse City. 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.
Rockwall County
How large is Rockwall County?
- Land area127 sq mi
- Rank by land area among Texas counties254th of 254
- Width, east to west12.9 mi
- Height, north to south11.6 mi
- Geographies sharing a boundary4
- Residents per square mile of land973
- Establishments per square mile23.51
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.
Rockwall County
Flood risk in Rockwall County
- Participation of the county's own NFIP community Rockwall County, unincorporated areasParticipating, community 480543
- 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 3
- Communities carrying a CRS class2
- Radon levels in Rockwall 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 Rockwall County (community 480543), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Rockwall 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. The best Community Rating System class among the county's communities is 3, 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 Rockwall 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 Rockwall County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024123,617
- Households41,237
- Average household size3.00
- Median household income$127,981
- Median age37.5
Common questions
Rockwall County questions, answered from the record.
How many people live in Rockwall County, Texas?
The Census Bureau estimates 137,044 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 123,617, in 41,237 households, ranking 38th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Rockwall County's population growing?
The population has grown 27.03 percent since the 2020 census base of 107,884, to 137,044 on July 1, 2024. In 2024 there were 1,382 births against 859 deaths, with net migration of 4,918. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Rockwall County?
$127,981. The median owner-occupied home is valued at $415,500, which is 3.2 times income, and median gross rent is $1,992 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Rockwall County?
2,986 establishments, employing 35,020 people with an annual payroll of $1.81 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 Rockwall County?
Accommodation and food services is the largest private sector at 6,584 jobs, 15.8 percent of covered employment. Covered employment averages 41,550 jobs at an average annual pay of $56,941, or $1,095 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Rockwall County?
198 7(a) approvals totaling $140.7 m since FY2020, across 82 lenders, with a median approval of $303,100, plus 34 504 approvals worth $46.0 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Rockwall County get paid back?
Of the 33 loans that have reached a final outcome, 31 were paid in full and 2 charged off, a charge-off rate of 6.1 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Rockwall County?
1,810 housing units were authorized by permit in 2024, with a declared construction value of $549.8 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Rockwall 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 Rockwall County come from?
The largest single origin is Dallas County, with 2,286 households. Arriving households report an average income of $100,129 against $86,177 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Rockwall 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 Rockwall 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.
Rockwall County
Cities and places in Rockwall.
8 Census places lie wholly or partly in Rockwall County. All 8 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 |
|---|---|---|---|---|
| Dallas | city | 1,307,930 | None recorded | 5.4 percent here, 90.0 percent Dallas County, 3.2 percent Collin County |
| Rowlett | city | 65,463 | 9 | 7.9 percent here, 92.1 percent Dallas County |
| Rockwall | city | 51,168 | 118 | Wholly in this county |
| Fate | city | 22,884 | 18 | Wholly in this county |
| Royse City | city | 20,037 | 40 | 44.9 percent here, 29.0 percent Collin County, 26.1 percent Hunt County |
| Heath | city | 10,777 | 9 | Wholly in this county |
| McLendon-Chisholm | city | 4,511 | None recorded | Wholly in this county |
| Mobile City | city | 296 | None recorded | Wholly in this county |
A further 4 of the county's 198 SBA 7(a) approvals are to borrowers in cities that match no Census place in Rockwall County, the largest being Forney (2), Josephine (1), Wylie (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