Texas micro-market
Healthcare practice financing in Murphy, Texas
Direct answer
A Murphy file is read against 175 local clinicians, 82.9 for every 10,000 of its 21,109 residents, 18 percent of them in physical, occupational, and speech therapy, plus the 81 SBA healthcare approvals worth $61,993,400 already recorded in Collin County, 18 miles from Dallas-Fort Worth-Arlington, TX.
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- Population: 21,109 residents (10K-25K band)1
- Healthcare providers registered here: 175 across 21 fields2
- Median household income: $165,1093
- Largest provider field: Physical, occupational, and speech therapy: 31 registered providers2
- Medicare-certified providers in town: 4 across 1 categories4
- Nearest metro: Dallas-Fort Worth-Arlington, TX, 18 miles1
The provider census in Murphy
Counted at the town's own addresses: 175 providers, 21 fields, 82.9 clinicians per 10,000 of the 21,109 residents here
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 31 | 14.7 | NPPES [2] |
| Optometry and ophthalmology | 18 | 8.5 | NPPES [2] |
| General dentistry | 17 | 8.1 | NPPES [2] |
| Home health | 16 | 7.6 | NPPES [2] |
| Primary care and family medicine | 14 | 6.6 | NPPES [2] |
| Specialty physician groups | 13 | 6.2 | NPPES [2] |
| Chiropractic | 11 | 5.2 | NPPES [2] |
| Dental specialties | 11 | 5.2 | NPPES [2] |
| ABA and autism therapy | 10 | 4.7 | NPPES [2] |
| Independent pharmacy | 9 | 4.3 | NPPES [2] |
| Non-medical home care | 7 | 3.3 | NPPES [2] |
| DME and HME suppliers | 4 | 1.9 | NPPES [2] |
| Med spa and aesthetics | 3 | 1.4 | NPPES [2] |
| Urgent care | 2 | 0.9 | NPPES [2] |
| Hospice and palliative | 2 | 0.9 | NPPES [2] |
| Behavioral and mental health group practices | 2 | 0.9 | NPPES [2] |
| Podiatry | 1 | 0.5 | NPPES [2] |
| Dermatology | 1 | 0.5 | NPPES [2] |
| ASCs and OBLs | 1 | 0.5 | NPPES [2] |
| Mobile diagnostics | 1 | 0.5 | NPPES [2] |
| NEMT and ambulance | 1 | 0.5 | NPPES [2] |
| Home health agencies | 4 | CMS [4] | |
| Medical equipment suppliers | 3 | CMS [4] |
Physical, occupational, and speech therapy carries 31 of the 175 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
What Collin County credit files already show
Lenders in Collin County have already closed 81 healthcare approvals, averaging $765,351, which is the size a new file gets read beside
| What it measures | Value | How to read it |
|---|---|---|
| Approvals on record | 81 | Fiscal year published in the SBA file [5] |
| Total approved capital | $61,993,400 | Sum of approvals to healthcare borrowers [5] |
| Mean deal size | $765,351 | Dollars divided by approvals [5] |
| Lenders sited in the county | 708 | Credit intermediation establishments, NAICS 522 [6] |
What the two tables above change about a file
82.9 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. 81 approvals worth $61,993,400 in Collin County means the size you are asking for has a local precedent to point at. With $165,109 as the median household income, the payer mix in a projection has to match what Murphy households actually spend.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
- Working capital term loan
The order comes from Murphy's own provider mix, which physical, occupational, and speech therapy dominates at 18 percent. What a partner can actually place in Texas is a separate question.
What a funder reads first in Murphy
physical, occupational, and speech therapy, optometry and ophthalmology, general dentistry account for most of what is enumerated in Murphy, so those are the files funders see from this town
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (31) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Optometry and ophthalmology (18) | Exam volume and optical capture, Vision plan mix, Inventory turns | Cold start or acquisition |
| General dentistry (17) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
Local counts come from NPPES. What a file turns on is drawn from how the field is generally reviewed, not from any decision about your practice.
Density beside the neighboring Texas towns
Density is the number that moves an appraisal: 82.9 per 10,000 here
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Murphy (current) | 21,109 | 175 | 82.9 | |
| Sachse | 33,008 | 118 | 35.7 | 4 |
| Wylie | 62,954 | 377 | 59.9 | 5 |
| Rowlett | 68,123 | 386 | 56.7 | 8 |
| Fairview | 10,922 | 46 | 42.1 | 9 |
| Rockwall | 53,547 | 755 | 141.0 | 12 |
| Princeton | 37,019 | 81 | 21.9 | 13 |
What the geography does to a Murphy projection
18 miles separate Murphy from Dallas-Fort Worth-Arlington, TX. Lease pricing follows Dallas-Fort Worth-Arlington, TX, while revenue stays capped by the 21,109 residents here. At $165,109 median household income, the elective and cash-pay share of a projection is the line that gets tested first. No hospital operates here, so the referral sources and the call arrangement have to be named rather than assumed.
Nearby Texas towns
What owners in Murphy ask
01How many providers practice in Murphy, and in what?
175 enumerations sit at Murphy addresses in the monthly NPPES file, working out to 82.9 for every 10,000 residents. 18 percent of them are physical, occupational, and speech therapy, and optometry and ophthalmology follows with 18. An enumeration is a clinician, so the 175 here cover fewer than 175 practices.
02What does SBA lending look like around Murphy?
The county file behind Murphy holds 81 healthcare approvals totaling $61,993,400, an average of $765,351. Those are the loan sizes lenders in Collin County have already carried.
03What does a $165,109 median income mean for case acceptance?
Median household income in Murphy runs $165,109. On elective and cash-pay work that is the number a funder converts into case acceptance, and it sets how much of a treatment plan a projection can assume gets started rather than deferred.
04What does Collin County's shortage designation change?
Collin County holds a HRSA designation covering primary care, dental, mental health. A pro forma for Murphy can cite it as the reason a vacancy is fillable, which is usually the weakest line in a ramp schedule.
05How many Medicare-certified providers are based in Murphy?
Care Compare lists 4 certified providers with a Murphy address. That count is a proxy for how much of the local revenue arrives on a federal payment cycle rather than at the front desk.
06Which fields carry the volume in Murphy?
Volume concentrates in physical, occupational, and speech therapy, 31 of them, ahead of optometry and ophthalmology at 18, across 21 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
Sources
- 1U.S. Census Bureau, Population Estimates, vintage 2024
- 2CMS NPPES, monthly full replacement file
- 3U.S. Census Bureau, ACS 5-year 2023, table B19013
- 4CMS Care Compare provider datasets
- 5U.S. Small Business Administration, 7(a) and 504 approvals
- 6U.S. Census Bureau, County Business Patterns 2022
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