HomeTexasWood CountyWinnsboro
Winnsboro, Texas: commercial real estate data.
Winnsboro is a Census city of 3,485 people across 3.74 square miles of land, lying across Wood County and Franklin County. Median household income is $54,828, 52.9 percent of occupied homes are owned, and the SBA record carries 6 7(a) approvals to borrowers here worth $7.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Winnsboro
What Winnsboro is
- Census place typecity
- Land area3.74 sq mi
- Water area0.01 sq mi
- Population per square mile of land931
- County holding the largest share of its areaWood County, 74.7 percent
- Counties this place lies inWood County 74.7 percent, Franklin County 25.3 percent
Winnsboro crosses a county line. The split above is measured from the Census boundary of the place against the county boundaries, by area, so it says where the ground is and not where the town hall is.
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Winnsboro
How many people live in Winnsboro
- Population3,485
- Median age36.8
- Population under 18979 plus or minus 239
- Share under 1828.1 percent plus or minus 6.5
- Population 65 and over633 plus or minus 165
- Share 65 and over18.2 percent plus or minus 4.5
- Households1,252
- Family households843
- Share of households that are families67.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Winnsboro
Income and work in Winnsboro
- Median household income$54,828 plus or minus $13,345
- Per capita income$29,961 plus or minus $6,031
- Civilian labor force1,580
- Employed1,453
- Unemployed127 plus or minus 87
- Unemployment rate8.0 percent plus or minus 5.4
- Adults 25 and over2,345
- Adults 25 and over with a high school diploma or higher82.9 percent
- Adults 25 and over with a bachelor degree or higher15.0 percent plus or minus 5.3
- Adults 25 and over with a graduate degree3.4 percent plus or minus 2.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Winnsboro
Housing in Winnsboro
- Housing units1,349
- Occupied units1,252
- Vacant units97 plus or minus 65
- Vacancy rate7.2 percent plus or minus 4.7
- Owner occupied662
- Renter occupied590 plus or minus 155
- Ownership rate52.9 percent
- Median owner-occupied home value$172,000
- Median gross rent, monthly$877
- Annual rent as a share of median income19.2 percent plus or minus 5.2
- Single family units1,022
- Share single family75.8 percent
- Units in buildings of two or more277 plus or minus 119
- Share in buildings of two or more20.5 percent plus or minus 8.5
- Mobile homes50 plus or minus 58
- Median year structure built1971
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Winnsboro
How Winnsboro gets to work
- Workers 16 and over who commute1,180 plus or minus 245
- Commuting under 15 minutes570 plus or minus 182
- Share commuting under 15 minutes48.3 percent plus or minus 11.7
- Commuting 30 minutes or more385 plus or minus 171
- Share commuting 30 minutes or more32.6 percent plus or minus 12.8
- Drove alone78.7 percent
- Carpooled5.6 percent plus or minus 3.6
- Public transport0.0 percent
- Walked0.5 percent plus or minus 0.9
- Worked from home15.2 percent plus or minus 8.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Winnsboro
SBA loans in Winnsboro (7(a))
- Approvals6
- Gross approval$7,794,800
- Average approval$1,299,133
- Median approval$421,000
- Largest approval$5,000,000
- Jobs supported30
- Jobs per approval5.0
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more16.7 percent
- Share to franchises16.7 percent
- Distinct lenders5
- Distinct industries by NAICS6
Counted by borrower city: approvals to borrowers whose address is in Winnsboro, in any county, FY2020 to FY2026. Only 1 loan has 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.
Winnsboro
SBA loans in Winnsboro (504)
- Approvals2
- Gross approval$1,032,000
- Average approval$516,000
- Median approval$516,000
- Largest approval$933,000
- Jobs supported10
- Loans with a final outcome1
- Charged off0
- Median term270 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Winnsboro, in any county, FY2010 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Winnsboro
Flood risk in Winnsboro
- NFIP communityCity of Winnsboro
- NFIP community number480680
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date(NSFHA)
The City of Winnsboro participates in the National Flood Insurance Program as community 480680 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.
Wood County, not Winnsboro
Wood County context, not Winnsboro figures
- Establishments in Wood County904
- Covered employment, Wood County10,611
- Average annual pay, Wood County$48,289
- Housing units permitted, Wood County72
Every figure in this section is published for Wood County as a whole and is not a measurement of Winnsboro.
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
Winnsboro questions, answered from the record.
How many people live in Winnsboro, Texas?
3,485, in 1,252 households. Winnsboro city covers 3.74 square miles of land, which is 931 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Winnsboro in?
Winnsboro lies in more than one. By area it is 74.7 percent in Wood County, 25.3 percent in Franklin County. This page sits under Wood County because that county holds the largest share. The split is measured from the Census boundary of the place against the county boundaries.
What is the median household income in Winnsboro?
$54,828. The median owner-occupied home is valued at $172,000. Median gross rent is $877 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Winnsboro businesses?
6 7(a) approvals totaling $7.8 m since FY2020, across 5 lenders, median approval $421,000, plus 2 504 approvals worth $1.0 m since FY2010. These count approvals to borrowers whose address is in Winnsboro, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Winnsboro borrowers get paid back?
No rate is published for Winnsboro. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Winnsboro in the National Flood Insurance Program?
Yes. Winnsboro appears in the FEMA Community Status Book as Winnsboro, city of, community 480680, 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 Winnsboro figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Wood 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 Winnsboro.
Is zoning published for Winnsboro?
No. Nothing on this page presents parcel level zoning.
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