Goosehead Insurance franchise research

Investment by format

Format-specific estimates only. Do not combine one format's minimum with another format's maximum.

Investment sourceFDD p.22 ↗

Franchise fees and ongoing costs

Franchise fee

$50,000 · Extracted Item 5 scalar range, not a universal minimum or maximum; formats, eligibility, discounts and waivers require original-filing review.

Royalty

20% · 20% of Gross Revenues (commissions + agency fees) on Approved Insurance Products in their initial term (new business), 50% on renewal terms and re-writes; subject to a monthly Minimum Royalty starting month 6 ($600 rising to $1,800 for new franchisees; $2,400 rising to $6,000 for corporate-agent launches)

Marketing contribution

Not captured

Technology fee

$590/month for first user and $420/month for each additional user; may increase up to 15% per calendar year during initial term

Other fees

Monthly Minimum Royalty ($600 to $1,800 for new franchisees); Insurance premiums if bought through franchisor $2,000-$5,000/yr; Agency Staffing Program placement fee $2,000-$6,000 (optional, per placement)

Working capital (FDD Item 7)

Additional Funds - 3 months: $6,000 to $20,000 (start-up expenses for first three months; excludes owner/employee salary)

Fees sourceFDD p.13 ↗

Working capital is drawn from Item 7. The Investment source below locates the investment section, not an independently verified working-capital scalar.

Investment sourceFDD p.22 ↗

Franchise fee sourceFDD · page not captured ↗

Financial performance: Item 19

Item 19 captured

Yes

Metric / basis

Per-producer (not per-outlet) new business gross revenue, new business premium, renewal gross revenue and renewal premium, by region and tenure year (average, top 25%, bottom 25%), plus medians by tenure for franchise producers and corporate producers; revenue figures are gross commissions/agency fees before royalties and expenses

Reporting period

January 1, 2023 to December 31, 2025 (Year 1/2/3 of producer tenure)

Sample

1,427 franchise producers representing 866 franchised businesses; 254 corporate producers for new business (204 for renewal)

Reported average

Not captured

Reported median

$68,541

Owner income is not captured. Gross sales and EBITDA are not owner pay. Results depend on the disclosed metric, sample and period; consult the full filing.

Item 19 performance sourceFDD p.55 ↗

Unit growth: Item 20

Reporting year

2025

Scope

franchised outlets

Starting outlets

1103

Year-end outlets

1009

Net change

-94

Derivation

ending minus starting outlets

Openings

121

Terminations

50

Non-renewals

0

Other closures

165

Reacquisitions

0

Transfers

0

Transfers are not closures. Net change is ending minus starting outlets for the stated scope and year, or complete openings less terminations, non-renewals, other closures and reacquisitions. Missing inputs stay unknown.

Unit growth sourceFDD p.58 ↗

SBA loan history

Loan activity

43 approvals

Activity window

FY2021-FY2026 YTD; snapshot 2026-06-30

Median SBA loan

$175,000

Median loan window

FY2023-FY2026 YTD through 2026-06-30

Median loan sample

33 loans

Historical charge-off share

14.29%

Cohort

7(a) FY2010-2019 approvals

Numerator / denominator

2 / 14

Formula

CHGOFF / (PIF + CHGOFF + EXEMPT) × 100

This is a historical loan-level share, not a franchise failure probability or location survival rate. Loan size is not total investment. Other loan statuses are excluded from the seasoned denominator. Activity combines 7(a) and 504 approvals, excluding canceled and not-funded records; this is not a rolling five-year count. FY2024-25 franchise tags are sparse after directory suspension; fewer tagged loans do not establish brand decline. Recent charge-off cohorts are immature.

SBA loans sourceSBA data · Jun 30, 2026 ↗

Median loan amounts are financing context, not startup cost. The median window is separate from the seasoned charge-off cohort.

Median SBA loan sourceSBA data · Jun 30, 2026 ↗

Questions before you invest

How much does Goosehead Insurance franchise cost?

standard (single franchise, leased office space): $66,000 to $111,500 These are format-specific estimates, not a guaranteed cash requirement. Franchise fee: $50,000 · Extracted Item 5 scalar range, not a universal minimum or maximum; formats, eligibility, discounts and waivers require original-filing review..

Investment sourceFDD p.22 ↗

Franchise fee sourceFDD · page not captured ↗

How much do Goosehead Insurance owners make?

Owner income is not captured. Gross sales and EBITDA are not owner pay. Item 19 metric: Per-producer (not per-outlet) new business gross revenue, new business premium, renewal gross revenue and renewal premium, by region and tenure year (average, top 25%, bottom 25%), plus medians by tenure for franchise producers and corporate producers; revenue figures are gross commissions/agency fees before royalties and expenses. Sample: 1,427 franchise producers representing 866 franchised businesses; 254 corporate producers for new business (204 for renewal). Period: January 1, 2023 to December 31, 2025 (Year 1/2/3 of producer tenure).

Item 19 performance sourceFDD p.55 ↗

What's the SBA charge-off rate for Goosehead Insurance?

14.29%; numerator / denominator: 2 / 14. Historical 7(a) FY2010-2019 approvals; CHGOFF / (PIF + CHGOFF + EXEMPT) × 100, snapshot 2026-06-30. This is not a franchise failure probability. Median SBA loan: $175,000; window: FY2023-FY2026 YTD through 2026-06-30; sample: 33 loans. Median financing is not total investment.

SBA loans sourceSBA data · Jun 30, 2026 ↗

Median SBA loan sourceSBA data · Jun 30, 2026 ↗