Montgomery County, Kansas: commercial real estate data.
Montgomery County, Kansas has a population of 30,940 across 644 square miles, down 3.3 percent since the 2020 census base. County output reached $3.00 bn in 2024, 705 establishments operate here, and the SBA record carries 19 7(a) approvals worth $7.9 m.
117 sourced county values · tier FULL · 11 sections
Montgomery County
How many people live in Montgomery County
- Population30,940
- Households12,880
- Average household size2.40
- Median household income$55,697
- Median age41.2
- Median gross rent$761 per month
- Median owner-occupied home value$101,700
- Home value to household income1.8 times
- Annual rent as a share of median income16.4 percent
- Adults 25 and over with a bachelor degree or higher22.6 percent
- Adults 25 and over with a graduate degree8.4 percent
- Adults 25 and over20,829
- Population under 187,318
- Share under 1823.7 percent
- Population 65 and over6,283
- Share 65 and over20.3 percent
- Working age population, 18 to 6417,339
- Civilian labor force14,033
- Unemployment rate4.4 percent
- Labor force participation, adults 18 and over59.4 percent
- Rank by population among Kansas counties19th of 105
- Rank by population among US county-equivalents1453rd
Montgomery County is the 19th 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 under 18 outnumber those 65 and over, at 23.7 percent against 20.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Montgomery County
Is Montgomery County growing
- Population change since the 2020 census base-3.26 percent
- Census 2020 base population31,486
- Births, 2024313
- Deaths, 2024464
- Natural change, 2024-151
- Net domestic migration, 2024-232
- Net international migration, 202487
- Total net migration, 2024-145
- Cumulative net domestic migration, 2021 to 2024-471
- Rank by growth among US county-equivalents2783rd
The county has lost 3.26 percent of its population since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Montgomery County
Where people moving to Montgomery County come from
- Tax returns filed by households arriving637
- People arriving, from those returns1,218
- Adjusted gross income arriving$28.9 m
- Net adjusted gross income movement$0
- Average income of an arriving household$45,378
- Largest single originMontgomery County Non-migrants (10,616 households)
- Largest single destination (10,616 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Montgomery County Non-migrants | 10,616 | 22,139 | $616.4 m |
| Other flows - Different State | 299 | 596 | $15.0 m |
| Other flows - South | 125 | 248 | $6.2 m |
| Other flows - Same State | 116 | 192 | $4.8 m |
| Other flows - West | 97 | 186 | $4.9 m |
| Other flows - Midwest | 77 | 162 | $3.9 m |
| Wilson County | 44 | 99 | $1.6 m |
| Washington County | 41 | 90 | $1.6 m |
The largest single source of arrivals is Montgomery 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.
Montgomery County
What the Montgomery County economy runs on
- County GDP, 2024$3.00 bn
- County GDP, 2023$3.20 bn
- GDP change, 2023 to 2024-6.3 percent
- GDP change over five years69.9 percent
- Rank by GDP among Kansas counties14th
- Rank by GDP among US county-equivalents980th
- GDP per resident$96,853
Output grew -6.3 percent in the latest year and 69.9 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.
Montgomery County
Who employs people in Montgomery County
- Covered employment, annual average14,716
- Establishments reporting2,228
- Average annual pay$46,284
- Average weekly wage$890
- Sector 31-33, employment2,906
- Sector 31-33, average annual pay$74,304
- Sector 44-45, employment1,394
- Sector 44-45, average annual pay$32,271
- Sector 72, employment998
- Sector 72, average annual pay$17,545
- Sector 23, employment705
- Sector 23, average annual pay$72,055
- Sector 56, employment651
- Sector 42, employment481
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 2,906 | 53 | $74,304 |
| Sector 44-45 | 1,394 | 105 | $32,271 |
| Sector 72 | 998 | 74 | $17,545 |
| Sector 23 | 705 | 73 | $72,055 |
| Sector 56 | 651 | 58 | $42,617 |
| Sector 42 | 481 | 52 | $67,300 |
| Sector 81 | 357 | 48 | $46,082 |
| Sector 48-49 | 288 | 31 | $57,664 |
The largest sector is the biggest private employer group at 2,906 jobs, 19.7 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.
Montgomery County
What businesses operate in Montgomery County
- Establishments, all industries705
- Employment at those establishments12,042
- Annual payroll$563.1 m
- Establishments per 1,000 residents22.8
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.
Montgomery County
What is being built in Montgomery County
- Housing units authorised by permit, 20245
- Declared construction value permitted$625,000
- Single family units authorised5
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$125,000
- Units authorised per 1,000 households0.4
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Montgomery County
How much SBA lending happens in Montgomery County
- 7(a) approvals recorded19
- 7(a) gross approval dollars$7.9 m
- Average 7(a) approval$414,021
- Median 7(a) approval$240,000
- 10th percentile approval$50,000
- 90th percentile approval$1,100,000
- Largest single approval$1,510,000
- Jobs reported supported, 7(a)181
- Jobs per approval9.5
- Distinct 7(a) lenders active12
- Distinct industries receiving approvals13
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer21.1 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter10
- Franchise loans5
- Franchise share of approvals26.3 percent
- Leading industry by approval countSawmills (4)
- Most active lenderEquity Bank (3)
- 504 approvals recorded1
- 504 gross approval dollars$577,000
- Average 504 approval$577,000
- Median 504 approval$577,000
- Distinct CDCs active1
- 504 jobs per approval6.0
- 504 jobs per million dollars approved10.4
- Most active CDCFrontier Financial Partners, Inc. (1)
- 7(a) share of SBA approvals95.0 percent
- Combined SBA approval dollars$8.4 m
The average approval of $414,021 sits well above the median of $240,000, 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 21.1 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.
Montgomery County
Do SBA loans in Montgomery County get paid back
- Loans with a final outcome recorded7
- Paid in full7
- Charged off0
- Status: Paid in full7
- Status: Exempt from disclosure9
- Status: Cancelled3
Too few loans have reached a final outcome to publish a charge off rate. only 7 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.
Montgomery County
Which parts of Montgomery County get the lending
- Places in the county with recorded lending3
- INDEPENDENCE, approvals11
- COFFEYVILLE, approvals6
- Caney, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| INDEPENDENCE | 11 | $6,524,500 |
| COFFEYVILLE | 6 | $1,146,100 |
| Caney | 2 | $195,800 |
INDEPENDENCE accounts for 11 approvals against 6 in COFFEYVILLE. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Montgomery County
How big is Montgomery County
- Land area644 sq mi
- Rank by land area among Kansas counties76th of 105
- Width, east to west24.7 mi
- Height, north to south26.8 mi
- Geographies sharing a boundary5
- Residents per square mile of land48
- Establishments per square mile1.09
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 Montgomery 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 Montgomery County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population30,940
- Households12,880
- Average household size2.40
- Median household income$55,697
- Median age41.2
Common questions
Montgomery County questions, answered from the record.
How many people live in Montgomery County, Kansas?
30,940, in 12,880 households, ranking 19th of 105 Kansas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Montgomery County growing?
The population has fallen 3.26 percent since the 2020 census base. In 2024 there were 313 births against 464 deaths, with net migration of -145. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Montgomery County?
$55,697. The median owner-occupied home is valued at $101,700, which is 1.8 times income, and median gross rent is $761 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Montgomery County?
705 establishments, employing 12,042 people with an annual payroll of $563.1 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 Montgomery County?
Average annual pay is $46,284, or $890 a week, across 14,716 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Montgomery County?
19 7(a) approvals totalling $7.9 m since FY2020, across 12 lenders, with a median approval of $240,000, plus 1 504 approvals worth $577,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Montgomery County?
5 housing units were authorised by permit in 2024, with a declared construction value of $625,000. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Montgomery County?
Zone 2, a predicted average indoor radon screening level from 2 to 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 Montgomery County come from?
The largest single origin is Montgomery County Non-migrants, with 10,616 households. Arriving households report an average income of $45,378 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 Montgomery 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 Montgomery 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.