Graham County, Kansas: commercial real estate data.
Graham County, Kansas has a population of 2,389 across 899 square miles, down 1.9 percent since the 2020 census base. County output reached $185.6 m in 2024, 91 establishments operate here, and the SBA record carries 3 7(a) approvals worth $463,700.
108 sourced county values · tier FULL · 10 sections
Graham County
How many people live in Graham County
- Population2,389
- Households1,191
- Average household size2.01
- Median household income$50,650
- Median age46.0
- Median gross rent$734 per month
- Median owner-occupied home value$89,900
- Home value to household income1.8 times
- Annual rent as a share of median income17.4 percent
- Adults 25 and over with a bachelor degree or higher26.9 percent
- Adults 25 and over with a graduate degree9.3 percent
- Adults 25 and over1,708
- Population under 18496
- Share under 1820.8 percent
- Population 65 and over646
- Share 65 and over27.0 percent
- Working age population, 18 to 641,247
- Civilian labor force1,196
- Unemployment rate5.0 percent
- Labor force participation, adults 18 and over63.2 percent
- Rank by population among Kansas counties97th of 105
- Rank by population among US county-equivalents3082nd
Graham County is the 97th largest of 105 Kansas counties by population. A median home costs 1.8 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 27.0 percent against 20.8 percent, which points demand at health care, services and single storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Graham County
Is Graham County growing
- Population change since the 2020 census base-1.86 percent
- Census 2020 base population2,415
- Births, 202426
- Deaths, 202431
- Natural change, 2024-5
- Net domestic migration, 20241
- Net international migration, 20243
- Total net migration, 20244
- Cumulative net domestic migration, 2021 to 202422
- Rank by growth among US county-equivalents2466th
The county has lost 1.86 percent of its population since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Graham County
Where people moving to Graham County come from
- Tax returns filed by households arriving34
- People arriving, from those returns53
- Adjusted gross income arriving$1.4 m
- Net adjusted gross income movement$0
- Average income of an arriving household$40,853
- Largest single originGraham County Non-migrants (955 households)
- Largest single destination (955 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Graham County Non-migrants | 955 | 1,916 | $56.8 m |
| Other flows - Same State | 34 | 53 | $1.4 m |
The largest single source of arrivals is Graham County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Graham County
What the Graham County economy runs on
- County GDP, 2024$185.6 m
- County GDP, 2023$227.4 m
- GDP change, 2023 to 2024-18.4 percent
- GDP change over five years43.3 percent
- Rank by GDP among Kansas counties89th
- Rank by GDP among US county-equivalents2917th
- GDP per resident$77,684
Output grew -18.4 percent in the latest year and 43.3 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Graham County
Who employs people in Graham County
- Covered employment, annual average876
- Establishments reporting113
- Average annual pay$44,969
- Average weekly wage$865
- Sector 21, employment106
- Sector 21, average annual pay$60,622
- Sector 62, employment91
- Sector 62, average annual pay$31,120
- Sector 44-45, employment58
- Sector 44-45, average annual pay$26,168
- Sector 48-49, employment45
- Sector 48-49, average annual pay$103,637
- Sector 54, employment30
- Sector 72, employment29
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 21 | 106 | 9 | $60,622 |
| Sector 62 | 91 | 5 | $31,120 |
| Sector 44-45 | 58 | 13 | $26,168 |
| Sector 48-49 | 45 | 5 | $103,637 |
| Sector 54 | 30 | 9 | $50,591 |
| Sector 72 | 29 | 4 | $15,596 |
| Sector 81 | 25 | 9 | $38,476 |
| Sector 11 | 18 | 7 | $39,977 |
The largest sector is the biggest private employer group at 106 jobs, 12.1 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Graham County
What businesses operate in Graham County
- Establishments, all industries91
- Employment at those establishments588
- Annual payroll$23.1 m
- Establishments per 1,000 residents38.1
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Graham County
What is being built in Graham County
- Housing units authorised by permit, 20240
- Declared construction value permitted$0
- Single family units authorised0
- Multifamily units authorised0
No residential units were authorised by permit in 2024. In a small county this is common and is not by itself a sign of distress, but it does mean there is no recent residential pipeline to read demand from.
US Census Bureau, Building Permits Survey, 2024 annual.
Graham County
How much SBA lending happens in Graham County
- 7(a) approvals recorded3
- 7(a) gross approval dollars$463,700
- Average 7(a) approval$154,567
- Median 7(a) approval$103,500
- 10th percentile approval$10,500
- 90th percentile approval$349,700
- Largest single approval$349,700
- Jobs reported supported, 7(a)10
- Jobs per approval3.3
- Distinct 7(a) lenders active1
- Distinct industries receiving approvals2
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer0.0 percent
- Loans on real estate terms0
- Loans on working capital terms, 120 months or shorter2
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countGift, Novelty, and Souvenir Stores (2)
- Most active lenderBank of Hays (3)
- 504 approvals recorded1
- 504 gross approval dollars$126,000
- Average 504 approval$126,000
- Median 504 approval$126,000
- Distinct CDCs active1
- 504 jobs per approval21.0
- 504 jobs per million dollars approved166.7
- Most active CDCSBA CLSC Servicing (1)
- 7(a) share of SBA approvals75.0 percent
- Combined SBA approval dollars$589,700
The average approval of $154,567 sits well above the median of $103,500, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 0.0 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Graham County
Do SBA loans in Graham County get paid back
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Paid in full3
Too few loans have reached a final outcome to publish a charge off rate. only 3 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Graham County
How big is Graham County
- Land area899 sq mi
- Rank by land area among Kansas counties25th of 105
- Width, east to west30.1 mi
- Height, north to south30.1 mi
- Geographies sharing a boundary6
- Residents per square mile of land3
- Establishments per square mile0.10
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Graham County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Graham County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population2,389
- Households1,191
- Average household size2.01
- Median household income$50,650
- Median age46.0
Common questions
Graham County questions, answered from the record.
How many people live in Graham County, Kansas?
2,389, in 1,191 households, ranking 97th of 105 Kansas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Graham County growing?
The population has fallen 1.86 percent since the 2020 census base. In 2024 there were 26 births against 31 deaths, with net migration of 4. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Graham County?
$50,650. The median owner-occupied home is valued at $89,900, which is 1.8 times income, and median gross rent is $734 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Graham County?
91 establishments, employing 588 people with an annual payroll of $23.1 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Graham County?
Average annual pay is $44,969, or $865 a week, across 876 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Graham County?
3 7(a) approvals totalling $463,700 since FY2020, across 1 lenders, with a median approval of $103,500, plus 1 504 approvals worth $126,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Graham County?
No residential units were authorised by permit in 2024. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Graham County?
Zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Graham County come from?
The largest single origin is Graham County Non-migrants, with 955 households. Arriving households report an average income of $40,853 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Graham County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Graham County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.