Emerald Bay, Smith County, TX demographics:
population, income, and more

Total population
970
-9.7% year-over-year change
Median household income
$98,068/yr
-18.4% year-over-year change
Housing units
512
2.8% year-over-year change

Emerald Bay population

How many people live in Emerald Bay

Emerald Bay is home to 970 residents, according to the most recent Census data. Gender-wise, 54.3% of Emerald Bay locals are male, and 45.7% are female.

Total population
970
-9.7% year-over-year change
Gender ratio
Male
54.3%
527
Female
45.7%
443
Value Percent YoY change
Male 527 54.3% -2.2%
Female 443 45.7% -17.2%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Emerald Bay is 72, with the population distributed as follows: about 3.9% are children under 15, then 5% are in the 15 to 24 age group. Adults between 25 and 44 make up 1.6% of the population, while another 13.3% fall into the 45 to 64 bracket. Finally, around 76.3% are 65 or older.

Median age
72.3
Age breakdown
Under 15
3.9%
15 to 24
5%
25 to 44
1.6%
45 to 64
13.3%
Over 65
76.3%
Value Percent YoY change
Under 15 38 3.9% -74.2%
15 to 24 48 5% N/A
25 to 44 15 1.6% -86.6%
45 to 64 129 13.3% 59.3%
Over 65 740 76.3% 0.8%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In Emerald Bay, 93.9% of the population are US-born citizens, while 6.1% have gained naturalized citizenship. There’s also a share of 3.1% that includes residents with two or more races.

Citizenship
U.S.-born citizens
93.9%
Non-U.S.-born citizens
6.1%
Non-citizens
0%
Value Percent YoY change
U.S.-born citizens 911 93.9% -10.5%
Non-U.S.-born citizens 59 6.1% 5.4%
Racial breakdown
White
96.9%
Black or African American
0%
American Indian and Alaska Native
0%
Asian
0%
Native Hawaiian and other Pacific Islander
0%
Two or more races
3.1%
Other
0%
Value Percent
White 940 96.9%
Two or more races 30 3.1%

Households in Emerald Bay

A peek inside Emerald Bay households

Emerald Bay has 489 households, with an average of 2 members in each. Of these, 76.1% are families, while the remaining 23.9% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
489
2.3% year-over-year change
Average people per household
2
Non-family households
117
Family households
372
Value Percent YoY change
Non-family households 117 23.9% -10.7%
Family households 372 76.1% 7.2%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Emerald Bay

The housing landscape of Emerald Bay

Emerald Bay's housing consists of 512 units, with 82.4% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 17.6% and offer a more compact, shared living style.

Housing units
512
2.8% year-over-year change
Housing types
Value Percent
1 unit, detached 422 82.4%
1 unit, attached 90 17.6%
Homes built since 2020
13
% year-over-year change

The age of buildings in Emerald Bay

In Emerald Bay, the median construction year is 1987. Most development happened in the second half of the 20th century. Then, 11.3% of homes were added from 2000 to 2009, 12.5% between 2010 and 2019, and 2.5% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built between 1970 and 1979 172 33.6% -7.0%
Built between 1980 and 1989 126 24.6% -8.7%
Built between 1990 and 1999 79 15.4% 16.2%
Built between 2000 and 2009 58 11.3% 70.6%
Built between 2010 and 2019 64 12.5% -12.3%
Built in 2020 or later 13 2.5% N/A
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Emerald Bay occupancy rates

Meanwhile, 4.5% of all homes on the local market sit vacant.

Occupied housing units
489
2.3% year-over-year change
Occupancy breakdown
Renter occupied
0
Owner occupied
489
Value Percent YoY
change
Owner occupied 489 100% 2.3%
Unoccupied housing units
4.5%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Emerald Bay housing costs

Median housing costs per month
$1,132/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.

Education in Emerald Bay

Emerald Bay education at a glance

About 14.2% of the population in Emerald Bay went to high school, while 32.8% pursued college studies. Another 6.2% earned an associate degree and 36.9% hold a bachelor’s. Meanwhile, 9.9% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
High school diploma 130 14.2% 42.9%
College diploma 301 32.8% -5.0%
Associate degree 57 6.2% -3.4%
Bachelor's degree 339 36.9% 20.6%
Graduate degree 91 9.9% -49.2%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Emerald Bay

How much people earn in Emerald Bay

The average annual household income in Emerald Bay was $107,414 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a -2.8% change from the previous year. At the same time, the median income stood at $98,068, reflecting a -18.4% shift over the same period.

Average household income in Emerald Bay
$107,414/year
-2.8% year-over-year change
Median household income in Emerald Bay
$98,068/year
-18.4% year-over-year change

Emerald Bay income by age

Those with someone between 45 and 64 in charge, often well established professionally, earn $151,731 overall. Overall, 97.7% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
45 - 64 $151,731 N/A
Over 65 $88,875 -10.5%
Above poverty level
948
Below poverty level
22
Value Percent YoY
change
Above poverty level 948 97.7% -10.1%
Below poverty level 22 2.3% 15.8%

Employment in Emerald Bay

Workforce and job types in Emerald Bay

The job market in Emerald Bay is powered by 229 working residents, spread across a range of industries and roles. 95.6% of the working population are employed in professional or administrative positions, while 4.4% are in hands-on or service-based jobs.

Workforce demographics

Working population
229
-19.6% year-over-year change
White collar
219
Blue collar
10
Value Percent YoY change
White collar 219 95.6% -20.6%
Blue collar 10 4.4% 11.1%
Employer type
Self employees
21.8%
Private companies
73.8%
Governmental workers
0%
Not for profit companies
4.4%
Value Percent YoY change
Self employees 50 21.8% -21.9%
Private companies 169 73.8% -20.3%
Not for profit companies 10 4.4% 11.1%
Unemployment rate
7.3%
80.0% year-over-year change

Available workforce

The unemployment rate in Emerald Bay stands at 7.3%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in Emerald Bay

How people get around in Emerald Bay

In Emerald Bay, the average commute time is 28 minutes.

Commute time
28 min
5.2% year-over-year change
Means of transportation
Value Percent YoY change
Car 135 59% -29.3%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

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FAQs about Emerald Bay demographics 

What is the total population of Emerald Bay?

Emerald Bay has a total population of 970 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by -9.7% compared to a year ago.

What is the gender ratio in Emerald Bay?

The gender ratio in Emerald Bay is as follows:
  • 54.3% males (527 residents)
  • 45.7% females (443 residents)

What is the median age in Emerald Bay?

The median age in Emerald Bay is 72.3.

What is the age distribution of the population in Emerald Bay?

The age distribution in Emerald Bay is as follows:
  • Under 15: 3.9% (38 residents)
  • Ages 15-24: 5% (48 residents)
  • Ages 25-44: 1.6% (15 residents)
  • Ages 45-64: 13.3% (129 residents)
  • Over 65: 76.3% (740 residents)

What is the racial and ethnic makeup of Emerald Bay?

The racial and ethnic makeup of Emerald Bay is as follows:
  • White: 96.9% (940 residents)
  • Black or African American: 0% (0 residents)
  • American Indian and Alaska Native: 0% (0 residents)
  • Asian: 0% (0 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (0 residents)
  • Two or More Races: 3.1% (30 residents)
  • Other: 0% (0 residents)

What percentage of the population in Emerald Bay are U.S.-born citizens?

U.S.-born citizens represent 93.9% of the population in Emerald Bay.

How many housing units are there in Emerald Bay?

There are 512 housing units in Emerald Bay, reflecting a +2.8% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Emerald Bay and what is the average household size?

Emerald Bay has a total of 489 households, with an average of 2 people in each.

What is the median household income in Emerald Bay?

Emerald Bay has a median household income of $98,068, representing a -18.4% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Emerald Bay?

The employment rate is 92.7% in Emerald Bay, with a workforce of 229 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 95.6% (219 residents)
  • Blue-collar workers: 4.4% (10 residents)

Places of employment:
  • Self-employed: 21.8% (50 residents)
  • Private companies: 73.8% (169 residents)
  • Governmental workers: 0% (0 residents)
  • Not-for-profit companies: 4.4% (10 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025