Farmersville, TX Business Licensing & Operations: Pawnbrokers (2026)

Section 77-29 of the Code of Ordinances defines 'pawn shop' as an establishment where money is loaned on the security of personal property pledged in the keeping of the owner, the pawnbroker. The schedule of permitted uses at section 77-46(k) then fixes exactly where that use can locate: pawn shop is marked permitted by right (P) only in the C Commercial, LI Light Industrial and HI-1 Heavy Industrial-1 districts. Every other zoning district in the city, including Agricultural, Estate Development, all three single-family districts, Two-Family, both multifamily districts, Neighborhood Service, General Retail, Highway Commercial, Heavy Industrial-2 and the Central Area District, leaves the pawn shop row blank, meaning the use is prohibited outright with no specific use permit option listed.

That is a narrower footprint than a use like licensed massage therapy or pet grooming, which the same table allows into General Retail and the Central Area District; pawn shops do not appear in either. A pawn shop operator also carries the general obligations for any commercial establishment under the city's business licensing chapter and applicable state pawnbroker licensing requirements, on top of confirming the site sits in one of the three qualifying zoning districts before opening.