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San Marcos: Economy & Jobs

Households in San Marcos earn a median $51,281 (1.7× below Hays County median $89,097; 1.5× below Texas median $78,476), with homes at a median value of $310,400. The surrounding county supports 10,350 jobs (avg $52,985).

Income & Affordability

Median household income $51,281 — below the Texas median ($70,518). Poverty rate 26.9% (U.S. average ~12.5%).

Affordability · Price To Income Ratio6.1×
Affordability · Rent To Income Pct30.9%
Affordability · Interpretationexpensive
Irs Income · IRS tax returns filed$21,640
Irs Income · Total Adjusted Gross Income (thousands)$1,316,871
Irs Income · Average AGI per return$60,854 (vs Texas $91,104)
Irs Income · Year2022
Income Estimate$58,149
Median Household Income$51,281 (vs Texas $70,518)
Poverty Rate26.9%

Sources: IRS SOI 2022 · Census ACS 5-Year 2023  ·  Refreshed 2026-04-12

Economic Character

Qualitative classification derived from Census occupation, industry, and income data — workforce composition (white-collar/blue-collar), top employing sector, and income tier.

Economic Character · Workforcemixed
Economic Character · Top IndustryEducation Healthcare
Economic Character · Income Levelmiddle-class
Economic Character · Median Income$51,281

Employment & Workforce

Employment + workforce stats. The county-level employment count covers all jobs within the county, not just town residents. Unemployment rate 3.5% — below the U.S. average of ~4%. 11% work from home (U.S. average ~15%).

Commuter Profile · Mean Commute Min24.00
Commuter Profile · Work From Home Pct11.1%
Commuter Profile · Profileshort commute
Employment · Avg annual employment (county)10,350
Employment · Total annual wages (county)$548,408,317
Employment · Average annual pay$52,985
Employment · Year2024
State Occupation Wages · Year2023
State Occupation Wages · All Occupations · Soc Code00-0000
State Occupation Wages · All Occupations · TitleAll Occupations
State Occupation Wages · All Occupations · Employment13,557,950
Unemployment Rate3.5% (vs Texas 3.4%)

Sources: BLS QCEW 2023 · BLS Occupational Employment and Wage Statistics (OES) · Census ACS 5-Year 2023  ·  Refreshed 2026-04-12

Industry Sectors

Major industries by establishment count from Census County Business Patterns (2022). Sectors are NAICS-coded; counts are county-wide employer establishments.

Agriculture · Total Farms36
Agriculture · Land In Farms Acres2,541
Agriculture · Avg Farm Size Acres70.60
Agriculture · Top CommoditiesAnimal Totals, Cattle, Crop Totals, Grain, Corn
Agriculture · Year2022
Business Patterns · Establishments (employer count)714
Business Patterns · Total Employees6,667
Business Patterns · Annual Payroll Thousands289,088
Business Patterns · Year2022

Sources: USDA NASS Census 2022 — county FIPS matched · Census CBP API — county FIPS match

Local Business Mix

Retail and service businesses by category (Census CBP NAICS-coded). Counts cover the surrounding county, not just the town. Reflects the everyday commercial mix residents can access.

Local Businesses · Grocery Stores5
Local Businesses · Convenience Stores5
Local Businesses · Gas Stations16
Local Businesses · General Merchandise7
Local Businesses · New Car Dealers3
Local Businesses · Used Car Dealers4
Local Businesses · Florists5
Local Businesses · Beauty Salons3

Sources: Census CBP — NAICS detail codes

Dining Scene

Eating + drinking establishments by NAICS category (Census CBP 2022) — full-service restaurants, fast-food, bars, coffee shops. County-level counts.

Dining Scene · Full Service Restaurants25
Dining Scene · Fast Food23
Dining Scene · Coffee Snacks11

Sources: Census CBP NAICS 722

Banking

FDIC-insured bank branches with addresses. Branch density correlates with population — fewer branches per resident in lower-density areas.

Branches (16)

First Lockhart Bank
SAN MARCOS BANKING CENTER · 2507 Hunter Road · 78666
International Bank of Commerce
SAN MARCOS BRANCH · 1081 Wonder World Dr · 78666
Sage Capital Bank,
SAN MARCOS BRANCH · 2201 Hunter Rd · 78666
JPMorgan Chase Bank, National Association
UNIVERSITY SQUARE SAN MARCOS · 350 N Guadalupe St Ste 106 · 78666
Schertz Bank & Trust
SAN MARCOS BRANCH · 2202 Hunter Rd · 78666
Frost Bank
GUADALUPE MOTOR BRANCH · 231 N Guadalupe St · 78666
PNC Bank, National Association
SAN MARCOS BRANCH · 300 S Lbj Dr · 78666
Frost Bank
HIGHWAY 80 BRANCH · 1011 Highway 80 · 78666
Bank of America, National Association
SAN MARCOS BRANCH · 308 E Hopkins St · 78666
Wells Fargo Bank, National Association
SAN MARCOS DOWNTOWN BRANCH · 123 N Edward Gary St · 78666
Ozona Bank
OZONA BANK CENTRAL OPERATIONS OFFICE BRANCH · 1913 Dutton Dr · 78666
Texas Regional Bank
SAN MARCOS BRANCH · 310 Wonder World Dr · 78666
Sunflower Bank, National Association
SAN MARCOS S. STAGECOACH BRANCH · 403 S Stagecoach Trl · 78666
First National Bank Texas
SWM SAN MARCOS BANKING CENTR RC303 BRANCH · 1015 Highway 80 · 78666
Frost Bank
WONDER WORLD BRANCH · 221 Wonder World Dr · 78666
Ozona Bank
SAN MARCOS BRANCH · 1917 Dutton Dr · 78666

SNAP & Food Access

USDA-authorized SNAP retailers — supermarkets, super stores, convenience stores, and other locations where SNAP benefits can be redeemed. Per-1K density tracks food access.

Sample (5)

African Eats & Market
Convenience Store · 1330 Aquarena Springs Dr
DOLLAR GENERAL 7191
Other · 905 Highway 80
Walmart 404
Super Store · 1015 HIGHWAY 80
Sunny Foods
Convenience Store · 1701 Old Ranch Road 12
HERBERTS GROCERY
Convenience Store · 419 Riverside Dr
Nearest Snap · NameAfrican Eats & Market
Nearest Snap · Total In Area56

Sources: USDA SNAP API — state+city name match

Chamber of Commerce

IRS-registered chamber of commerce organizations matched to this town. Reflects the IRS Exempt Organizations BMF; some chambers operate informally and may not appear here.

Chamber Of Commerce · NameSAN MARCOS AREA CHAMBER OF COMMERCE INCORPORATED

Sources: IRS EO BMF  ·  Refreshed 2026-04-12

Spending & Tax

Federal spending flowing to the surrounding county — direct payments, grants, contracts, loans (USAspending.gov).

Federal Spending · Federal Spending Fy2024$210,373,050
Federal Spending · Per Capita4,584.99 (vs Texas $5,671)
Federal Spending · Population45,883 people (vs Texas 143,570)

Sources: USAspending API

Other

Pct Drove Alone68.4%
Pct Public Transit4.5%
Pct Walked11.1%
Retirement Score · Median age25.5 years (vs Texas 34.5y)
Retirement Score · Ss Household Pct16.7%
Retirement Score · Hospitals Nearby1
Retirement Score · Va AccessYes
Retirement Score · Factorshospital access, VA nearby
Retirement Score · Ratingfair

Sources: Census ACS 5-Year 2023  ·  Refreshed 2026-04-12