Tallcroft Lending, a small-business funding service in Huntsville, Texas, keeps this page of Census counts for Walker County and the Huntsville area: employers by size and sector, businesses without payroll, self-employment and housing permits. Funding partners review each request; the figures here help an owner frame one.
At a glance
- Employer establishments, Walker County, TX
1,113 (CBP 2023)
- With fewer than 5 employees
599, or 53.8% (CBP 2023)
- Businesses without paid employees
5,700 (Nonemployer Statistics 2024)
- Self-employed residents, Huntsville, TX
7.4% (+/- 2.4) of employed residents (ACS 2020-2024)
Checking Small Businesses in Huntsville, TX: The Census Counts
Walker County, TX had 1,113 employer establishments in 2023 with 13,537 paid employees and $545.8 million in annual payroll (County Business Patterns). Dividing one by the other (our arithmetic) gives roughly 12.2 workers for each establishment.
| Employees | Establishments |
|---|---|
| Fewer than 5 | 599 |
| 5 to 9 | 213 |
| 10 to 19 | 145 |
| 20 to 49 | 107 |
| 50 to 99 | 32 |
| 100 to 249 | 13 |
| 250 or more | Not published |
Nonemployer Statistics, a separate Census program, counted 5,700 businesses without paid employees in the county in 2024. Those are sole owners and partnerships with no payroll; the two counts are never added together on this site.
Retail, Food Service and Other Walker County, TX Sectors Ranked
| Sector | Establishments | Employees | Annual payroll |
|---|---|---|---|
| Retail trade | 180 | 3,310 | $114.7 million |
| Accommodation and food services | 121 | 2,344 | $44.8 million |
| Construction | 118 | 944 | $49.3 million |
| Other services | 111 | 904 | $23.8 million |
| Health care and social assistance | 107 | 2,267 | $102.2 million |
| Professional, scientific and technical services | 92 | 379 | $19.1 million |
Retail trade led on both employer count and payroll in 2023. Pages for the sectors with enough local employers to stand alone: restaurants in Walker County, gas stations and convenience stores and medical and dental practices, with the rest on the industry overview.
The Huntsville, TX ZIP area and the city limit
ZIP 77340 had 683 employer establishments in 2023, with 10,412 paid employees and $404.5 million in annual payroll; 49.8% of those establishments had fewer than five employees (ZIP Code Business Patterns).
Postal ZIPs follow delivery routes, and Huntsville's city line does not track them. The city of Huntsville, TX covers 11.2% of ZIP 77340's land, and 43.4% of the city's own land sits in ZIP 77320 (Census ZIP-to-place relationship file, 2020). A Huntsville mailing address can therefore sit outside city limits, which matters for permits and zoning.
Huntsville, TX Self-Employment Next to the Statewide Rate
The American Community Survey (2020-2024) puts the self-employed at 8.8% (+/- 1.8) of employed residents in Walker County and 7.4% (+/- 2.4) in the city of Huntsville, against 10.5% (+/- 0.1) for Texas. In the city, 6.5% (+/- 2.3) worked in their own unincorporated business and 0.9% (+/- 0.7) in their own incorporated one.
The margins of error for the city are wide, so the city and county figures overlap; treat them as a rough picture rather than a ranking.
Notes on Huntsville, TX Commercial Property for Sale
A building purchase belongs with a commercial real estate lender; it is outside Tallcroft's six options. What a business buyer can finance through Tallcroft's options is what goes inside: the build-out, fixtures and equipment, and the working capital to open.
Before signing, check which side of the city limit the parcel sits on and what zoning applies; the Huntsville zoning and permit guide lists the city's own pages.
Huntsville, TX Commercial Real Estate for Business Owners
Leasing ties up less cash than buying, and a partner reviewing a build-out loan will ask how long the lease runs. Match the loan term to the lease: a five-year schedule on a three-year lease leaves payments running after the keys go back.
Equipment for a new site can be financed separately, with the items as collateral; see equipment financing.
Commercial Property in Huntsville, TX: A Short Guide
- Confirm the parcel's zoning on the city's official zoning map before you commit.
- Ask the landlord who pays for the finish-out and what permits it needs.
- Price the build-out with written contractor quotes.
- Budget the weeks between signing and opening; working capital can carry rent and wages through them.
Huntsville, TX Chamber of Commerce Events: Owner Notes
Tallcroft Lending has no affiliation with any chamber of commerce or economic development group. Owners looking for chamber events can check the chamber's own website for its calendar and any membership costs.
Checking a Walker County, TX Business Listing Before You Buy
Census counts show the field: 89 restaurant and other eating-place employers, 36 gasoline stations and 25 insurance agency employers in the county in 2023 (CBP). A specific listing still stands or falls on its own records.
- Three years of the seller's tax returns and the bank statements behind them.
- What is included: equipment, stock, the lease, the name.
- Whether the seller will stay on for a handover.
- How the payment on a purchase loan compares with the cash the business clears; all six options are compared side by side.
Payroll and permits for a Huntsville, TX business
A first hire brings a state unemployment tax account; the Texas Workforce Commission employer guide covers it from a payroll view. Housing permits give a sense of local building: Walker County authorized 503 new housing units in 2023, 829 in 2024 and 533 in 2025 (Census Building Permits Survey).
Contacting Tallcroft Lending in Huntsville, TX
1220 University Ave, Huntsville, TX 77340.
Phone (936) 257-7458. More on who Tallcroft is on the about page, and every way to get in touch on the contact page. Nearby places are covered on the areas served page.
Industries we work with across Huntsville, TX
Partners review Huntsville, TX enterprises in a broad mix of sectors, such as contractors and construction trades, restaurants and food service, medical and dental practices or retailers and wholesalers that carry stock. The funding partner decides on its own terms, case by case.
Application documents to gather in Huntsville, TX
- Business bank statements from the most recent three to six months
- The latest business tax return, with personal returns on hand as well
- Government-issued photo ID for each person with an ownership share
- Formation papers such as articles of organization, along with your EIN notice
- A list of current business debts, showing balances and monthly payments
- For equipment requests, the seller's quote, listing the item and its cost
Partners set their own document lists; these items are the typical core.
The process after a message from Huntsville, TX
- Start with a call to (936) 257-7458 or use the online form and say what the funding is for.
- The request goes to partners that provide that kind of financing.
- A partner reviews the request and reaches its own credit decision.
- If an offer comes back, compare the total cost, payment schedule and terms, and accept only if it works for you.
Owners in Huntsville, TX can work through every step by phone or the online form.
By Tallcroft Lending ยท Updated