Stephens County, Texas: commercial real estate data.
Stephens County, Texas had an estimated 9,475 residents on July 1, 2024, up 4.1 percent since the 2020 census base of 9,099, across 897 square miles. County output reached $489.0 m in 2024, 243 establishments operate here, and the SBA record carries 5 7(a) approvals worth $1.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Stephens County
How many people live in Stephens County
- Population, American Community Survey 2020-20249,351
- Households3,623
- Average household size2.58
- Median household income$58,008
- Median age42.0
- Median gross rent$846 per month
- Median owner-occupied home value$110,200
- Home value to household income1.9 times
- Annual rent as a share of median income17.5 percent
- Adults 25 and over with a bachelor degree or higher17.2 percent
- Adults 25 and over with a graduate degree6.0 percent
- Adults 25 and over6,429
- Population under 181,941
- Share under 1820.8 percent
- Population 65 and over1,904
- Share 65 and over20.4 percent
- Working age population, 18 to 645,506
- Civilian labor force4,166
- Unemployment rate5.4 percent
- Labor force participation, adults 18 and over56.2 percent
- Rank by population among Texas counties171st of 254
- Rank by population among US county-equivalents, Puerto Rico included2538th of 3,222
Stephens County is the 171st largest of 254 Texas counties by population. A median home costs 1.9 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 20.8 percent against 20.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Stephens County
Is Stephens County's population growing?
- Population, July 1, 20249,475
- Census 2020 base population9,099
- Population change since the 2020 census base4.13 percent
- Population change, 2023 to 202495
- Births, 202488
- Deaths, 202484
- Natural change, 20244
- Net domestic migration, 202495
- Net international migration, 2024-3
- Total net migration, 202492
- Cumulative net domestic migration, 2021 to 2024544
- Rank by growth among US county-equivalents668th of 3,144
The county has grown 4.13 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.
Stephens County
Where are people moving to Stephens County from?
- Tax returns filed by households arriving265
- People arriving, from those returns507
- Tax returns filed by households leaving211
- Net household movement54
- Adjusted gross income arriving$15.5 m
- Net adjusted gross income movement$1.8 m
- Average income of an arriving household$58,566
- Average income of a leaving household$65,152
- Largest single originEastland County (21 households)
- Largest single destinationTaylor County (23 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Eastland County | 21 | 44 | $890,000 |
Households arriving report $6,586 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Eastland 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.
Stephens County
What is the Stephens County economy?
- County GDP, 2024$489.0 m
- County GDP, 2023$484.8 m
- GDP change, 2023 to 20240.9 percent
- GDP change over five years39.8 percent
- Rank by GDP among the Texas areas BEA publishes188th of 254
- Rank by GDP among the US county areas BEA publishes2415th of 3,127
- GDP per resident$52,298
Output grew 0.9 percent in the latest year and 39.8 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.
Stephens County
Employment by industry in Stephens County
- Covered employment, annual average3,253
- Establishments reporting314
- Average annual pay$46,145
- Average weekly wage$887
- Manufacturing, employment790
- Manufacturing, average annual pay$41,352
- Retail trade, employment430
- Retail trade, average annual pay$31,610
- Construction, employment266
- Construction, average annual pay$56,891
- Mining, quarrying, and oil and gas extraction, employment248
- Mining, quarrying, and oil and gas extraction, average annual pay$73,040
- Accommodation and food services, employment201
- Health care and social assistance, employment165
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 790 | 19 | $41,352 |
| Retail trade | 430 | 42 | $31,610 |
| Construction | 266 | 37 | $56,891 |
| Mining, quarrying, and oil and gas extraction | 248 | 32 | $73,040 |
| Accommodation and food services | 201 | 19 | $17,135 |
| Health care and social assistance | 165 | 16 | $53,926 |
| Finance and insurance | 143 | 15 | $71,166 |
| Agriculture, forestry, fishing and hunting | 67 | 16 | $54,230 |
Manufacturing is the largest private sector at 790 jobs, 24.3 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Stephens County
How many businesses are in Stephens County?
- Establishments, all industries243
- Employment at those establishments2,374
- Annual payroll$98.2 m
- Establishments per 1,000 residents26.0
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.
Stephens County
Building permits in Stephens County
- Housing units authorized by permit, 20242
- Declared construction value permitted$315,400
- Single family units authorized2
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$157,700
- Units authorized per 1,000 households0.6
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.
Stephens County
SBA loans in Stephens County (7(a) and 504)
- 7(a) approvals recorded5
- 7(a) gross approval dollars$1.9 m
- Average 7(a) approval$377,740
- Median 7(a) approval$318,700
- Largest single approval$1,050,000
- Jobs reported supported, 7(a)46
- Jobs per approval9.2
- Distinct 7(a) lenders active3
- Distinct industries receiving approvals4
- Median 7(a) term170 months
- Share of loans on real estate terms, 240 months or longer20.0 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter2
- Franchise loans1
- Franchise share of approvals20.0 percent
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Stephens County
SBA loan default and charge-off rates in Stephens County
Do SBA loans in Stephens County get paid back?
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Exempt from disclosure4
- Status: Paid in full1
Only 1 loan has 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.
Stephens County
How large is Stephens County?
- Land area897 sq mi
- Rank by land area among Texas counties153rd of 254
- Width, east to west30.3 mi
- Height, north to south30.5 mi
- Geographies sharing a boundary5
- Residents per square mile of land10
- Establishments per square mile0.27
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.
Stephens County
Flood risk in Stephens County
- Participation of the county's own NFIP community Stephens County, unincorporated areasParticipating, community 481244
- Communities in the county in the NFIP Community Status Book2
- Of those, participating in the NFIP2
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Stephens 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 Stephens County (community 481244), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Stephens 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 Stephens 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 Stephens County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-20249,351
- Households3,623
- Average household size2.58
- Median household income$58,008
- Median age42.0
Common questions
Stephens County questions, answered from the record.
How many people live in Stephens County, Texas?
The Census Bureau estimates 9,475 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 9,351, in 3,623 households, ranking 171st of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Stephens County's population growing?
The population has grown 4.13 percent since the 2020 census base of 9,099, to 9,475 on July 1, 2024. In 2024 there were 88 births against 84 deaths, with net migration of 92. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Stephens County?
$58,008. The median owner-occupied home is valued at $110,200, which is 1.9 times income, and median gross rent is $846 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Stephens County?
243 establishments, employing 2,374 people with an annual payroll of $98.2 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 Stephens County?
Manufacturing is the largest private sector at 790 jobs, 24.3 percent of covered employment. Covered employment averages 3,253 jobs at an average annual pay of $46,145, or $887 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Stephens County?
5 7(a) approvals totaling $1.9 m since FY2020, across 3 lenders, with a median approval of $318,700. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Stephens County?
2 housing units were authorized by permit in 2024, with a declared construction value of $315,400. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Stephens 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 Stephens County come from?
The largest single origin is Eastland County, with 21 households. Arriving households report an average income of $58,566 against $65,152 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Stephens 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 Stephens 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.
Stephens County
Cities and places in Stephens.
1 Census place lies wholly or partly in Stephens County. It carries enough published place level data for a page of its own and is linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Breckenridge | city | 5,170 | 5 | Wholly in this county |
Nearby