Caldwell County, Missouri: commercial real estate data.
Caldwell County, Missouri has a population of 8,927 across 426 square miles, up 2.2 percent since the 2020 census base. County output reached $277.4 m in 2024, 153 establishments operate here, and the SBA record carries 3 7(a) approvals worth $77,100.
115 sourced county values · tier FULL · 11 sections
Caldwell County
How many people live in Caldwell County
- Population8,927
- Households3,769
- Average household size2.37
- Median household income$64,806
- Median age43.2
- Median gross rent$640 per month
- Median owner-occupied home value$166,500
- Home value to household income2.6 times
- Annual rent as a share of median income11.9 percent
- Adults 25 and over with a bachelor degree or higher19.9 percent
- Adults 25 and over with a graduate degree7.0 percent
- Adults 25 and over6,170
- Population under 182,100
- Share under 1823.5 percent
- Population 65 and over1,808
- Share 65 and over20.3 percent
- Working age population, 18 to 645,019
- Civilian labor force4,207
- Unemployment rate2.9 percent
- Labor force participation, adults 18 and over61.6 percent
- Rank by population among Missouri counties90th of 115
- Rank by population among US county-equivalents2565th
Caldwell County is the 90th largest of 115 Missouri 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 23.5 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.
Caldwell County
Is Caldwell County growing
- Population change since the 2020 census base2.16 percent
- Census 2020 base population8,810
- Births, 2024109
- Deaths, 2024129
- Natural change, 2024-20
- Net domestic migration, 202437
- Net international migration, 20248
- Total net migration, 202445
- Cumulative net domestic migration, 2021 to 2024258
- Rank by growth among US county-equivalents1118th
The county has grown 2.16 percent 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.
Caldwell County
Where people moving to Caldwell County come from
- Tax returns filed by households arriving268
- People arriving, from those returns585
- Adjusted gross income arriving$15.1 m
- Net adjusted gross income movement$0
- Average income of an arriving household$56,381
- Largest single originCaldwell County Non-migrants (3,156 households)
- Largest single destination (3,156 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Caldwell County Non-migrants | 3,156 | 6,781 | $186.9 m |
| Other flows - Same State | 119 | 231 | $6.3 m |
| Other flows - Different State | 45 | 118 | $2.5 m |
| Clay County | 43 | 104 | $3.1 m |
| Clinton County | 33 | 76 | $2.1 m |
| Jackson County | 28 | 56 | $1.1 m |
| Other flows - West | 23 | 79 | $1.7 m |
| Other flows - Midwest | 22 | 39 | $887,000 |
The largest single source of arrivals is Caldwell 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.
Caldwell County
What the Caldwell County economy runs on
- County GDP, 2024$277.4 m
- County GDP, 2023$285.1 m
- GDP change, 2023 to 2024-2.7 percent
- GDP change over five years16.8 percent
- Rank by GDP among Missouri counties95th
- Rank by GDP among US county-equivalents2753rd
- GDP per resident$31,073
Output grew -2.7 percent in the latest year and 16.8 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.
Caldwell County
Who employs people in Caldwell County
- Covered employment, annual average1,886
- Establishments reporting238
- Average annual pay$42,251
- Average weekly wage$813
- Sector 44-45, employment478
- Sector 44-45, average annual pay$35,220
- Sector 23, employment108
- Sector 23, average annual pay$81,685
- Sector 52, employment69
- Sector 52, average annual pay$51,569
- Sector 51, employment54
- Sector 51, average annual pay$82,641
- Sector 42, employment53
- Sector 56, employment48
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 478 | 22 | $35,220 |
| Sector 23 | 108 | 24 | $81,685 |
| Sector 52 | 69 | 13 | $51,569 |
| Sector 51 | 54 | 5 | $82,641 |
| Sector 42 | 53 | 9 | $54,156 |
| Sector 56 | 48 | 9 | $44,601 |
| Sector 81 | 48 | 18 | $42,119 |
| Sector 54 | 36 | 9 | $44,374 |
The largest sector is the biggest private employer group at 478 jobs, 25.3 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.
Caldwell County
What businesses operate in Caldwell County
- Establishments, all industries153
- Employment at those establishments1,302
- Annual payroll$55.3 m
- Establishments per 1,000 residents17.1
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.
Caldwell County
What is being built in Caldwell County
- Housing units authorised by permit, 202434
- Declared construction value permitted$9.0 m
- Single family units authorised28
- Multifamily units authorised6
- Multifamily share of units17.6 percent
- Average declared value per unit$264,500
- Units authorised per 1,000 households9.0
Multifamily is 17.6 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Caldwell County
How much SBA lending happens in Caldwell County
- 7(a) approvals recorded3
- 7(a) gross approval dollars$77,100
- Average 7(a) approval$25,700
- Median 7(a) approval$27,000
- 10th percentile approval$14,100
- 90th percentile approval$36,000
- Largest single approval$36,000
- Jobs reported supported, 7(a)9
- Jobs per approval3.0
- 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 shorter3
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countPower and Communication Line and Related Structures Construction (1)
- Most active lenderReadycap Lending, LLC (1)
- 504 approvals recorded2
- 504 gross approval dollars$2.2 m
- Average 504 approval$1,090,500
- Median 504 approval$1,752,000
- Distinct CDCs active1
- 504 jobs per approval35.0
- 504 jobs per million dollars approved32.1
- Most active CDCMo-Kan Development, Inc. (2)
- 7(a) share of SBA approvals60.0 percent
- Combined SBA approval dollars$2.3 m
The average approval of $25,700 sits close to the median of $27,000, so lending here is fairly evenly sized rather than driven by a few large deals. 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.
Caldwell County
Do SBA loans in Caldwell County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Exempt from disclosure2
- Status: Paid in full1
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.
Caldwell County
Which parts of Caldwell County get the lending
- Places in the county with recorded lending2
- HAMILTON, approvals2
- BRAYMER, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| HAMILTON | 2 | $63,000 |
| BRAYMER | 1 | $14,100 |
HAMILTON accounts for 2 approvals against 1 in BRAYMER. 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.
Caldwell County
How big is Caldwell County
- Land area426 sq mi
- Rank by land area among Missouri counties102nd of 115
- Width, east to west24 mi
- Height, north to south18.3 mi
- Geographies sharing a boundary6
- Residents per square mile of land21
- Establishments per square mile0.36
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 Caldwell 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 Caldwell County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population8,927
- Households3,769
- Average household size2.37
- Median household income$64,806
- Median age43.2
Common questions
Caldwell County questions, answered from the record.
How many people live in Caldwell County, Missouri?
8,927, in 3,769 households, ranking 90th of 115 Missouri counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Caldwell County growing?
The population has grown 2.16 percent since the 2020 census base. In 2024 there were 109 births against 129 deaths, with net migration of 45. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Caldwell County?
$64,806. The median owner-occupied home is valued at $166,500, which is 2.6 times income, and median gross rent is $640 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Caldwell County?
153 establishments, employing 1,302 people with an annual payroll of $55.3 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 Caldwell County?
Average annual pay is $42,251, or $813 a week, across 1,886 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Caldwell County?
3 7(a) approvals totalling $77,100 since FY2020, across 3 lenders, with a median approval of $27,000, plus 2 504 approvals worth $2.2 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Caldwell County?
34 housing units were authorised by permit in 2024, with a declared construction value of $9.0 m. Multifamily was 17.6 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Caldwell 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 Caldwell County come from?
The largest single origin is Caldwell County Non-migrants, with 3,156 households. Arriving households report an average income of $56,381 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 Caldwell 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 Caldwell 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.