Thomas County, Kansas: commercial real estate data.
Thomas County, Kansas has a population of 7,885 across 1,075 square miles, down 1.6 percent since the 2020 census base. County output reached $904.7 m in 2024, 332 establishments operate here, and the SBA record carries 11 7(a) approvals worth $21.9 m.
116 sourced county values · tier FULL · 11 sections
Thomas County
How many people live in Thomas County
- Population7,885
- Households3,139
- Average household size2.51
- Median household income$71,325
- Median age35.3
- Median gross rent$752 per month
- Median owner-occupied home value$172,700
- Home value to household income2.4 times
- Annual rent as a share of median income12.7 percent
- Adults 25 and over with a bachelor degree or higher34.6 percent
- Adults 25 and over with a graduate degree8.7 percent
- Adults 25 and over4,917
- Population under 181,942
- Share under 1824.6 percent
- Population 65 and over1,468
- Share 65 and over18.6 percent
- Working age population, 18 to 644,475
- Civilian labor force4,417
- Unemployment rate0.6 percent
- Labor force participation, adults 18 and over74.3 percent
- Rank by population among Kansas counties48th of 105
- Rank by population among US county-equivalents2658th
Thomas County is the 48th largest of 105 Kansas counties by population. A median home costs 2.4 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 24.6 percent against 18.6 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Thomas County
Is Thomas County growing
- Population change since the 2020 census base-1.63 percent
- Census 2020 base population7,931
- Births, 2024109
- Deaths, 2024111
- Natural change, 2024-2
- Net domestic migration, 2024-119
- Net international migration, 202467
- Total net migration, 2024-52
- Cumulative net domestic migration, 2021 to 2024-366
- Rank by growth among US county-equivalents2399th
The county has lost 1.63 percent of its population since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Thomas County
Where people moving to Thomas County come from
- Tax returns filed by households arriving168
- People arriving, from those returns272
- Adjusted gross income arriving$7.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$44,387
- Largest single originThomas County Non-migrants (2,884 households)
- Largest single destination (2,884 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Thomas County Non-migrants | 2,884 | 6,107 | $218.4 m |
| Other flows - Same State | 131 | 215 | $5.6 m |
| Other flows - Different State | 37 | 57 | $1.8 m |
| Other flows - West | 37 | 57 | $1.8 m |
The largest single source of arrivals is Thomas 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.
Thomas County
What the Thomas County economy runs on
- County GDP, 2024$904.7 m
- County GDP, 2023$910.4 m
- GDP change, 2023 to 2024-0.6 percent
- GDP change over five years47.0 percent
- Rank by GDP among Kansas counties31st
- Rank by GDP among US county-equivalents1922nd
- GDP per resident$114,734
Output grew -0.6 percent in the latest year and 47.0 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.
Thomas County
Who employs people in Thomas County
- Covered employment, annual average4,104
- Establishments reporting416
- Average annual pay$47,946
- Average weekly wage$922
- Sector 44-45, employment641
- Sector 44-45, average annual pay$31,426
- Sector 42, employment324
- Sector 42, average annual pay$64,054
- Sector 23, employment219
- Sector 23, average annual pay$68,959
- Sector 52, employment128
- Sector 52, average annual pay$81,317
- Sector 31-33, employment111
- Sector 54, employment105
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 641 | 51 | $31,426 |
| Sector 42 | 324 | 38 | $64,054 |
| Sector 23 | 219 | 28 | $68,959 |
| Sector 52 | 128 | 22 | $81,317 |
| Sector 31-33 | 111 | 15 | $52,884 |
| Sector 54 | 105 | 31 | $56,791 |
| Sector 81 | 73 | 22 | $66,169 |
| Sector 56 | 65 | 11 | $53,460 |
The largest sector is the biggest private employer group at 641 jobs, 15.6 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.
Thomas County
What businesses operate in Thomas County
- Establishments, all industries332
- Employment at those establishments2,870
- Annual payroll$136.8 m
- Establishments per 1,000 residents42.1
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.
Thomas County
What is being built in Thomas County
- Housing units authorised by permit, 20245
- Declared construction value permitted$2.3 m
- Single family units authorised5
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$459,140
- Units authorised per 1,000 households1.6
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Thomas County
How much SBA lending happens in Thomas County
- 7(a) approvals recorded11
- 7(a) gross approval dollars$21.9 m
- Average 7(a) approval$1,988,236
- Median 7(a) approval$1,400,000
- 10th percentile approval$280,000
- 90th percentile approval$5,000,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)119
- Jobs per approval10.8
- Distinct 7(a) lenders active8
- Distinct industries receiving approvals5
- Median 7(a) term300 months
- Share of loans on real estate terms, 240 months or longer81.8 percent
- Loans on real estate terms9
- Loans on working capital terms, 120 months or shorter1
- Franchise loans6
- Franchise share of approvals54.5 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (5)
- Most active lenderMetro City Bank (3)
- 504 approvals recorded3
- 504 gross approval dollars$1.5 m
- Average 504 approval$489,000
- Median 504 approval$118,000
- Distinct CDCs active2
- 504 jobs per approval5.7
- 504 jobs per million dollars approved11.6
- Most active CDCSBA CLSC Servicing (2)
- 7(a) share of SBA approvals78.6 percent
- Combined SBA approval dollars$23.3 m
The average approval of $1,988,236 sits well above the median of $1,400,000, 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. 81.8 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
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.
Thomas County
Do SBA loans in Thomas County get paid back
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Cancelled2
- Status: Exempt from disclosure9
Too few loans have reached a final outcome to publish a charge off rate. only 0 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.
Thomas County
Which parts of Thomas County get the lending
- Places in the county with recorded lending3
- COLBY, approvals7
- OAKLEY, approvals3
- LEVANT, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| COLBY | 7 | $11,412,400 |
| OAKLEY | 3 | $10,280,000 |
| LEVANT | 1 | $178,200 |
COLBY accounts for 7 approvals against 3 in OAKLEY. 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.
Thomas County
How big is Thomas County
- Land area1,075 sq mi
- Rank by land area among Kansas counties10th of 105
- Width, east to west35.9 mi
- Height, north to south30 mi
- Geographies sharing a boundary6
- Residents per square mile of land7
- Establishments per square mile0.31
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 Thomas 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 Thomas County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population7,885
- Households3,139
- Average household size2.51
- Median household income$71,325
- Median age35.3
Common questions
Thomas County questions, answered from the record.
How many people live in Thomas County, Kansas?
7,885, in 3,139 households, ranking 48th of 105 Kansas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Thomas County growing?
The population has fallen 1.63 percent since the 2020 census base. In 2024 there were 109 births against 111 deaths, with net migration of -52. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Thomas County?
$71,325. The median owner-occupied home is valued at $172,700, which is 2.4 times income, and median gross rent is $752 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Thomas County?
332 establishments, employing 2,870 people with an annual payroll of $136.8 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 Thomas County?
Average annual pay is $47,946, or $922 a week, across 4,104 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Thomas County?
11 7(a) approvals totalling $21.9 m since FY2020, across 8 lenders, with a median approval of $1,400,000, plus 3 504 approvals worth $1.5 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Thomas County?
5 housing units were authorised by permit in 2024, with a declared construction value of $2.3 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Thomas 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 Thomas County come from?
The largest single origin is Thomas County Non-migrants, with 2,884 households. Arriving households report an average income of $44,387 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 Thomas 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 Thomas 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.