Child Care Center Feasibility Study in the Austin-Round Rock-San Marcos, TX Metro Area

Austin: child care center

Austin drew 139 child care center loans worth $189.2 million between FY2017 and FY2026. Austin places 18 of 493 nationally for the class on 139 loans; in Austin, the class takes 4 of 39. In Austin, a quotient of 1.68x makes the class far more common. Austin is told apart by rank and a 1.68x quotient, not by size at $621,000.

$621,000 is typical in Austin, in a middle half $289,800 to $1.8 million; against the national median that is 1.37x, well above it. Austin lending ran 112 through 7(a) against 27 through 504. 47.5% of 139 Austin loans are franchised.

Austin's 7(a) table, 7 loans through PNC Bank, National Association, $16.9 million; 5 through Wells Fargo Bank National Association, $6.2 million; 5 through The Huntington National Bank, $5.9 million; 5 through PeopleFund, $994,000. Austin's 504 table, 14 loans through Capital Certified Development Corporation, $20.1 million. Austin: unnamed holders have under 5 loans. 139 loans in Austin, by county: Williamson County, TX 76; Travis County, TX 54.

Cancellations in Austin and charge-offs

In Austin, cancellations took 12.9% or more of Austin's FY2017 to FY2024 approvals. Austin: undisbursed-loan ceiling withheld, not zero. Austin withholds charge-off floor, not zero. Austin floors rise as loans age. Of Austin's 139 loans, the high year held 24 in FY2026 and the low year 5 in FY2023; FY2026 shows 24 loans and $31.3 million. Yearly loan counts for Austin: FY2017 17, FY2018 9, FY2019 18, FY2020 11, FY2021 18, FY2022 6, FY2023 5, FY2024 17, FY2025 14, FY2026 24. Dollars by year: FY2017 $24.9 million, FY2018 $9.8 million, FY2019 $28.9 million, FY2020 $10.0 million, FY2021 $37.3 million, FY2022 $10.3 million, FY2023 $7.7 million, FY2024 $16.8 million, FY2025 $12.3 million, FY2026 $31.3 million.

Austin: testing the project

For 139 approvals in Austin, appraisers weigh special purpose resale. Austin saw approvals run from 5 in FY2023 to 24 in FY2026; for Austin, plan for licensing delays. Austin's quotient, 1.68x: count rivals by age group. Across 139 loans, licensed enrollment in Austin carries $621,000. Austin: facing slow enrollment, debt service holds with $189.2 million approved. For 139 loans in Austin, classroom costs outside $289,800 to $1.8 million need cases.

Austin's 139 loans may include in-home child care. 139 loans fall in Austin by project county. Austin follows July 2023 delineation by county. Austin leaves out unplaceable counties. No census here: 139 loans give Austin a guide only.