Smith County, Texas: commercial real estate data.
Smith County, Texas has a population of 241,740 across 921 square miles, up 6.7 percent since the 2020 census base. County output reached $16.66 bn in 2024, 6,356 establishments operate here, and the SBA record carries 180 7(a) approvals worth $145.7 m.
128 sourced county values · tier FULL · 12 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Smith County
How many people live in Smith County
- Population241,740
- Households83,134
- Average household size2.91
- Median household income$74,192
- Median age37.5
- Median gross rent$1,238 per month
- Median owner-occupied home value$240,700
- Home value to household income3.2 times
- Annual rent as a share of median income20.0 percent
- Adults 25 and over with a bachelor degree or higher28.6 percent
- Adults 25 and over with a graduate degree9.8 percent
- Adults 25 and over160,294
- Population under 1858,485
- Share under 1824.2 percent
- Population 65 and over42,158
- Share 65 and over17.4 percent
- Working age population, 18 to 64141,097
- Civilian labor force117,355
- Unemployment rate4.4 percent
- Labor force participation, adults 18 and over64.0 percent
- Rank by population among Texas counties24th of 254
- Rank by population among US county-equivalents295th
Smith County is the 24th largest of 254 Texas counties by population. A median home costs 3.2 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 24.2 percent against 17.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Smith County
Is Smith County's population growing?
- Population change since the 2020 census base6.69 percent
- Census 2020 base population233,480
- Births, 20243,129
- Deaths, 20242,488
- Natural change, 2024641
- Net domestic migration, 20241,823
- Net international migration, 2024667
- Total net migration, 20242,490
- Cumulative net domestic migration, 2021 to 202411,629
- Rank by growth among US county-equivalents331st
The county has grown 6.69 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Smith County
Where are people moving to Smith County from?
- Tax returns filed by households arriving7,107
- People arriving, from those returns13,763
- Adjusted gross income arriving$539.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$75,953
- Largest single originSmith County Non-migrants (84,498 households)
- Largest single destination (84,498 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Smith County Non-migrants | 84,498 | 179,238 | $7.22 bn |
| Other flows - Different State | 1,813 | 3,663 | $153.0 m |
| Other flows - South | 745 | 1,440 | $51.2 m |
| Other flows - West | 633 | 1,382 | $68.9 m |
| Other flows - Same State | 622 | 1,160 | $34.5 m |
| Dallas County | 403 | 713 | $54.3 m |
| Cherokee County | 379 | 781 | $22.0 m |
| Henderson County | 366 | 685 | $23.8 m |
The largest single source of arrivals is Smith County Non-migrants, 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.
Smith County
What is the Smith County economy?
- County GDP, 2024$16.66 bn
- County GDP, 2023$15.97 bn
- GDP change, 2023 to 20244.3 percent
- GDP change over five years41.2 percent
- Rank by GDP among Texas counties22nd
- Rank by GDP among US county-equivalents303rd
- GDP per resident$68,906
Output grew 4.3 percent in the latest year and 41.2 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.
Smith County
Largest employers in Smith County
- Covered employment, annual average113,523
- Establishments reporting6,931
- Average annual pay$57,439
- Average weekly wage$1,105
- Sector 62, employment24,966
- Sector 62, average annual pay$61,973
- Sector 44-45, employment13,780
- Sector 44-45, average annual pay$39,997
- Sector 72, employment11,696
- Sector 72, average annual pay$23,037
- Sector 31-33, employment7,392
- Sector 31-33, average annual pay$62,216
- Sector 42, employment5,445
- Sector 23, employment5,283
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 24,966 | 930 | $61,973 |
| Sector 44-45 | 13,780 | 840 | $39,997 |
| Sector 72 | 11,696 | 520 | $23,037 |
| Sector 31-33 | 7,392 | 253 | $62,216 |
| Sector 42 | 5,445 | 313 | $68,607 |
| Sector 23 | 5,283 | 659 | $62,773 |
| Sector 54 | 5,173 | 807 | $89,652 |
| Sector 48-49 | 5,114 | 168 | $61,395 |
The largest sector is the biggest private employer group at 24,966 jobs, 22.0 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Smith County
How many businesses are in Smith County?
- Establishments, all industries6,356
- Employment at those establishments98,886
- Annual payroll$5.23 bn
- Establishments per 1,000 residents26.3
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Smith County
Building permits in Smith County
- Housing units authorised by permit, 2024608
- Declared construction value permitted$152.0 m
- Single family units authorised464
- Multifamily units authorised144
- Multifamily share of units23.7 percent
- Average declared value per unit$249,978
- Units authorised per 1,000 households7.3
Multifamily is 23.7 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Smith County
SBA loans in Smith County (7(a) and 504)
- 7(a) approvals recorded180
- 7(a) gross approval dollars$145.7 m
- Average 7(a) approval$809,311
- Median 7(a) approval$350,000
- 10th percentile approval$50,000
- 90th percentile approval$2,198,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)2,351
- Jobs per approval13.1
- Distinct 7(a) lenders active65
- Distinct industries receiving approvals89
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer25.0 percent
- Loans on real estate terms45
- Loans on working capital terms, 120 months or shorter120
- Franchise loans58
- Franchise share of approvals32.2 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (10)
- Most active lenderThe Huntington National Bank (31)
- 504 approvals recorded71
- 504 gross approval dollars$63.6 m
- Average 504 approval$895,437
- Median 504 approval$541,000
- Distinct CDCs active6
- 504 jobs per approval13.6
- 504 jobs per million dollars approved15.2
- Most active CDCGreater East Texas Certified Development Company (54)
- 7(a) share of SBA approvals71.7 percent
- Combined SBA approval dollars$209.3 m
The average approval of $809,311 sits well above the median of $350,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 25.0 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.
Smith County
SBA loan default and charge-off rates in Smith County
Do SBA loans in Smith County get paid back?
- Loans with a final outcome recorded26
- Paid in full20
- Charged off6
- Charge off rate on resolved loans23.1 percent
- Status: Exempt from disclosure120
- Status: Paid in full20
- Status: Charged off6
- Status: Cancelled20
- Status: Committed, not yet disbursed14
Of the 26 loans that have reached a final outcome, 23.1 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.
Smith County
SBA lending by place in Smith County
- Places in the county with recorded lending9
- Tyler, approvals148
- LINDALE, approvals13
- WHITEHOUSE, approvals5
- BULLARD, approvals4
- Troup, approvals4
- Winona, approvals3
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Tyler | 148 | $114,401,100 |
| LINDALE | 13 | $12,578,900 |
| WHITEHOUSE | 5 | $4,381,000 |
| BULLARD | 4 | $2,712,900 |
| Troup | 4 | $4,553,100 |
| Winona | 3 | $6,278,900 |
| HIDEAWAY | 1 | $150,000 |
| Flint | 1 | $300,000 |
Tyler accounts for 148 approvals against 13 in LINDALE. 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.
Smith County
How large is Smith County?
- Land area921 sq mi
- Rank by land area among Texas counties108th of 254
- Width, east to west35.6 mi
- Height, north to south38.1 mi
- Geographies sharing a boundary7
- Residents per square mile of land262
- Establishments per square mile6.90
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.
Smith County
Flood risk in Smith County
- Communities in the NFIP Community Status Book12
- Of those, participating in the NFIP9
- NFIP participation rate75.0 percent
- Communities carrying a CRS class0
- Radon levels in Smith County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The EPA places Smith 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. 75.0 percent of the county's listed communities participate in the National Flood Insurance Program, per FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Smith 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 Smith County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population241,740
- Households83,134
- Average household size2.91
- Median household income$74,192
- Median age37.5
Common questions
Smith County questions, answered from the record.
How many people live in Smith County, Texas?
241,740, in 83,134 households, ranking 24th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Smith County's population growing?
The population has grown 6.69 percent since the 2020 census base. In 2024 there were 3,129 births against 2,488 deaths, with net migration of 2,490. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Smith County?
$74,192. The median owner-occupied home is valued at $240,700, which is 3.2 times income, and median gross rent is $1,238 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Smith County?
6,356 establishments, employing 98,886 people with an annual payroll of $5.23 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Smith County?
Average annual pay is $57,439, or $1,105 a week, across 113,523 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Smith County?
180 7(a) approvals totalling $145.7 m since FY2020, across 65 lenders, with a median approval of $350,000, plus 71 504 approvals worth $63.6 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Smith County get paid back?
Of the 26 loans that have reached a final outcome, 20 were paid in full and 6 charged off, a charge off rate of 23.1 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Smith County?
608 housing units were authorised by permit in 2024, with a declared construction value of $152.0 m. Multifamily was 23.7 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Smith 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 Smith County come from?
The largest single origin is Smith County Non-migrants, with 84,498 households. Arriving households report an average income of $75,953 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Smith 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 Smith County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.
Smith County
Cities and places in Smith.
12 Census places lie wholly or partly in Smith County. 12 carry enough published place level data for a page of their own and are linked. The rest are named here and not linked, because the American Community Survey and the SBA record between them do not carry enough about them to write an honest page. A place existing is itself worth knowing, so nothing in the county is left out.
| Place | Type | Population | SBA approvals | Lies in |
|---|---|---|---|---|
| Tyler | city | 109,215 | 149 | Wholly in this county |
| Whitehouse | city | 9,122 | 5 | Wholly in this county |
| Lindale | city | 6,644 | 13 | Wholly in this county |
| Bullard | town | 4,346 | 5 | 80.3 percent here, 19.7 percent Cherokee County |
| Hideaway | city | 3,301 | 1 | Wholly in this county |
| Overton | city | 2,444 | 1 | 19.8 percent here, 80.2 percent Rusk County |
| Troup | city | 2,338 | 4 | 87.8 percent here, 12.2 percent Cherokee County |
| Arp | city | 1,111 | None recorded | Wholly in this county |
| Winona | town | 1,025 | 3 | Wholly in this county |
| Emerald Bay | CDP | 970 | None recorded | Wholly in this county |
| New Chapel Hill | city | 891 | None recorded | Wholly in this county |
| Noonday | city | 707 | None recorded | Wholly in this county |
A further 1 SBA approvals in Smith County are recorded against borrower cities that match no Census place, the largest being Flint. Those are postal cities and unincorporated areas rather than incorporated places, so no page claims them, and their lending is counted in this county's totals above rather than under any city.