Gray County, Kansas: commercial real estate data.
Gray County, Kansas has a population of 5,701 across 869 square miles, up 1.4 percent since the 2020 census base. County output reached $997.5 m in 2024, 228 establishments operate here, and the SBA record carries 5 7(a) approvals worth $1.8 m.
103 sourced county values · tier FULL · 10 sections
Gray County
How many people live in Gray County
- Population5,701
- Households2,136
- Average household size2.67
- Median household income$79,122
- Median age37.9
- Median gross rent$808 per month
- Median owner-occupied home value$206,000
- Home value to household income2.6 times
- Annual rent as a share of median income12.3 percent
- Adults 25 and over with a bachelor degree or higher25.9 percent
- Adults 25 and over with a graduate degree4.3 percent
- Adults 25 and over3,580
- Population under 181,625
- Share under 1828.5 percent
- Population 65 and over960
- Share 65 and over16.8 percent
- Working age population, 18 to 643,116
- Civilian labor force2,941
- Unemployment rate2.7 percent
- Labor force participation, adults 18 and over72.2 percent
- Rank by population among Kansas counties61st of 105
- Rank by population among US county-equivalents2836th
Gray County is the 61st largest of 105 Kansas counties by population. A median home costs 2.6 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 28.5 percent against 16.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Gray County
Is Gray County growing
- Population change since the 2020 census base1.45 percent
- Census 2020 base population5,648
- Births, 202482
- Deaths, 202451
- Natural change, 202431
- Net domestic migration, 2024-93
- Net international migration, 202427
- Total net migration, 2024-66
- Cumulative net domestic migration, 2021 to 2024-68
- Rank by growth among US county-equivalents1350th
The county has grown 1.45 percent since the 2020 census base. Births exceeded deaths in 2024 but more people left than arrived, so the population is being sustained internally rather than attracting.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Gray County
Where people moving to Gray County come from
- Tax returns filed by households arriving121
- People arriving, from those returns245
- Adjusted gross income arriving$6.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$55,777
- Largest single originGray County Non-migrants (2,168 households)
- Largest single destination (2,168 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Gray County Non-migrants | 2,168 | 5,078 | $185.1 m |
| Other flows - Same State | 52 | 104 | $3.4 m |
| Ford County | 29 | 55 | $1.3 m |
| Finney County | 20 | 47 | $1.2 m |
| Other flows - Different State | 20 | 39 | $798,000 |
| Other flows - South | 20 | 39 | $798,000 |
The largest single source of arrivals is Gray 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.
Gray County
What the Gray County economy runs on
- County GDP, 2024$997.5 m
- County GDP, 2023$863.1 m
- GDP change, 2023 to 202415.6 percent
- GDP change over five years64.0 percent
- Rank by GDP among Kansas counties28th
- Rank by GDP among US county-equivalents1845th
- GDP per resident$174,964
Output grew 15.6 percent in the latest year and 64.0 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.
Gray County
Who employs people in Gray County
- Covered employment, annual average3,046
- Establishments reporting310
- Average annual pay$51,985
- Average weekly wage$1,000
- Sector 11, employment630
- Sector 11, average annual pay$55,536
- Sector 23, employment264
- Sector 23, average annual pay$80,029
- Sector 42, employment252
- Sector 42, average annual pay$67,976
- Sector 44-45, employment200
- Sector 44-45, average annual pay$39,824
- Sector 62, employment185
- Sector 54, employment152
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 11 | 630 | 60 | $55,536 |
| Sector 23 | 264 | 31 | $80,029 |
| Sector 42 | 252 | 36 | $67,976 |
| Sector 44-45 | 200 | 27 | $39,824 |
| Sector 62 | 185 | 11 | $29,892 |
| Sector 54 | 152 | 24 | $90,205 |
| Sector 31-33 | 101 | 10 | $49,316 |
The largest sector is the biggest private employer group at 630 jobs, 20.7 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.
Gray County
What businesses operate in Gray County
- Establishments, all industries228
- Employment at those establishments1,592
- Annual payroll$81.6 m
- Establishments per 1,000 residents40.0
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.
Gray County
What is being built in Gray County
- Housing units authorised by permit, 202410
- Declared construction value permitted$3.2 m
- Single family units authorised10
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$315,103
- Units authorised per 1,000 households4.7
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Gray County
How much SBA lending happens in Gray County
- 7(a) approvals recorded5
- 7(a) gross approval dollars$1.8 m
- Average 7(a) approval$351,100
- Median 7(a) approval$100,000
- 10th percentile approval$67,200
- 90th percentile approval$1,000,000
- Largest single approval$1,000,000
- Jobs reported supported, 7(a)39
- Jobs per approval7.8
- Distinct 7(a) lenders active3
- Distinct industries receiving approvals3
- 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 shorter5
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countFarm Supplies Merchant Wholesalers (2)
- Most active lenderKCB Bank (2)
The average approval of $351,100 sits well above the median of $100,000, 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.
Gray County
Do SBA loans in Gray County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Exempt from disclosure2
- Status: Cancelled2
Too few loans have reached a final outcome to publish a charge off rate. only 1 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.
Gray County
How big is Gray County
- Land area869 sq mi
- Rank by land area among Kansas counties39th of 105
- Width, east to west24.6 mi
- Height, north to south36.4 mi
- Geographies sharing a boundary5
- Residents per square mile of land7
- Establishments per square mile0.26
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 504 approvals recorded in this county in the FOIA release covering FY2010 onward.
- 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 Gray 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 Gray County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population5,701
- Households2,136
- Average household size2.67
- Median household income$79,122
- Median age37.9
Common questions
Gray County questions, answered from the record.
How many people live in Gray County, Kansas?
5,701, in 2,136 households, ranking 61st of 105 Kansas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Gray County growing?
The population has grown 1.45 percent since the 2020 census base. In 2024 there were 82 births against 51 deaths, with net migration of -66. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Gray County?
$79,122. The median owner-occupied home is valued at $206,000, which is 2.6 times income, and median gross rent is $808 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Gray County?
228 establishments, employing 1,592 people with an annual payroll of $81.6 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 Gray County?
Average annual pay is $51,985, or $1,000 a week, across 3,046 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Gray County?
5 7(a) approvals totalling $1.8 m since FY2020, across 3 lenders, with a median approval of $100,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Gray County?
10 housing units were authorised by permit in 2024, with a declared construction value of $3.2 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Gray 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 Gray County come from?
The largest single origin is Gray County Non-migrants, with 2,168 households. Arriving households report an average income of $55,777 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 Gray 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 Gray 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.