Callaway County, Missouri: commercial real estate data.
Callaway County, Missouri has a population of 44,741 across 835 square miles, up 1.9 percent since the 2020 census base. County output reached $2.70 bn in 2024, 782 establishments operate here, and the SBA record carries 48 7(a) approvals worth $14.5 m.
122 sourced county values · tier FULL · 11 sections
Callaway County
How many people live in Callaway County
- Population44,741
- Households16,485
- Average household size2.71
- Median household income$74,176
- Median age39.4
- Median gross rent$887 per month
- Median owner-occupied home value$201,600
- Home value to household income2.7 times
- Annual rent as a share of median income14.3 percent
- Adults 25 and over with a bachelor degree or higher24.6 percent
- Adults 25 and over with a graduate degree8.2 percent
- Adults 25 and over31,173
- Population under 189,258
- Share under 1820.7 percent
- Population 65 and over8,018
- Share 65 and over17.9 percent
- Working age population, 18 to 6427,465
- Civilian labor force21,461
- Unemployment rate5.1 percent
- Labor force participation, adults 18 and over60.5 percent
- Rank by population among Missouri counties24th of 115
- Rank by population among US county-equivalents1106th
Callaway County is the 24th largest of 115 Missouri counties by population. A median home costs 2.7 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 20.7 percent against 17.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Callaway County
Is Callaway County growing
- Population change since the 2020 census base1.89 percent
- Census 2020 base population44,290
- Births, 2024491
- Deaths, 2024496
- Natural change, 2024-5
- Net domestic migration, 2024268
- Net international migration, 202444
- Total net migration, 2024312
- Cumulative net domestic migration, 2021 to 2024831
- Rank by growth among US county-equivalents1207th
The county has grown 1.89 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.
Callaway County
Where people moving to Callaway County come from
- Tax returns filed by households arriving1,224
- People arriving, from those returns2,266
- Adjusted gross income arriving$60.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$49,414
- Largest single originCallaway County Non-migrants (16,015 households)
- Largest single destination (16,015 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Callaway County Non-migrants | 16,015 | 32,498 | $1.17 bn |
| Cole County | 301 | 541 | $13.7 m |
| Other flows - Same State | 294 | 513 | $11.8 m |
| Other flows - Different State | 271 | 541 | $16.4 m |
| Boone County | 256 | 463 | $12.9 m |
| Other flows - South | 108 | 214 | $6.7 m |
| Other flows - Midwest | 86 | 174 | $5.6 m |
| Other flows - West | 77 | 153 | $4.2 m |
The largest single source of arrivals is Callaway 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.
Callaway County
What the Callaway County economy runs on
- County GDP, 2024$2.70 bn
- County GDP, 2023$2.49 bn
- GDP change, 2023 to 20248.3 percent
- GDP change over five years43.7 percent
- Rank by GDP among Missouri counties21st
- Rank by GDP among US county-equivalents1054th
- GDP per resident$60,365
Output grew 8.3 percent in the latest year and 43.7 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.
Callaway County
Who employs people in Callaway County
- Covered employment, annual average14,917
- Establishments reporting936
- Average annual pay$56,776
- Average weekly wage$1,092
- Sector 31-33, employment2,365
- Sector 31-33, average annual pay$70,262
- Sector 44-45, employment1,244
- Sector 44-45, average annual pay$31,979
- Sector 48-49, employment956
- Sector 48-49, average annual pay$54,973
- Sector 72, employment896
- Sector 72, average annual pay$20,516
- Sector 23, employment750
- Sector 56, employment434
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 2,365 | 38 | $70,262 |
| Sector 44-45 | 1,244 | 116 | $31,979 |
| Sector 48-49 | 956 | 22 | $54,973 |
| Sector 72 | 896 | 73 | $20,516 |
| Sector 23 | 750 | 114 | $69,112 |
| Sector 56 | 434 | 52 | $45,723 |
| Sector 53 | 362 | 35 | $56,996 |
| Sector 54 | 355 | 46 | $65,692 |
The largest sector is the biggest private employer group at 2,365 jobs, 15.9 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.
Callaway County
What businesses operate in Callaway County
- Establishments, all industries782
- Employment at those establishments11,703
- Annual payroll$649.5 m
- Establishments per 1,000 residents17.5
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.
Callaway County
What is being built in Callaway County
- Housing units authorised by permit, 202438
- Declared construction value permitted$10.4 m
- Single family units authorised38
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$273,680
- Units authorised per 1,000 households2.3
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Callaway County
How much SBA lending happens in Callaway County
- 7(a) approvals recorded48
- 7(a) gross approval dollars$14.5 m
- Average 7(a) approval$301,373
- Median 7(a) approval$70,800
- 10th percentile approval$15,000
- 90th percentile approval$1,145,000
- Largest single approval$3,015,000
- Jobs reported supported, 7(a)276
- Jobs per approval5.8
- Distinct 7(a) lenders active11
- Distinct industries receiving approvals27
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer20.8 percent
- Loans on real estate terms10
- Loans on working capital terms, 120 months or shorter35
- Franchise loans4
- Franchise share of approvals8.3 percent
- Leading industry by approval countGeneral Freight Trucking, Local (4)
- Most active lenderThe Callaway Bank (20)
- 504 approvals recorded15
- 504 gross approval dollars$7.7 m
- Average 504 approval$513,733
- Median 504 approval$243,000
- Distinct CDCs active2
- 504 jobs per approval7.3
- 504 jobs per million dollars approved14.3
- Most active CDCEnterprise Development Corporation (9)
- 7(a) share of SBA approvals76.2 percent
- Combined SBA approval dollars$22.2 m
The average approval of $301,373 sits well above the median of $70,800, 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 20.8 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.
Callaway County
Do SBA loans in Callaway County get paid back
- Loans with a final outcome recorded19
- Paid in full18
- Charged off1
- Charge off rate on resolved loans5.3 percent
- Status: Paid in full18
- Status: Cancelled5
- Status: Exempt from disclosure24
- Status: Charged off1
Of the 19 loans that have reached a final outcome, 5.3 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Callaway County
Which parts of Callaway County get the lending
- Places in the county with recorded lending8
- FULTON, approvals33
- HOLTS SUMMIT, approvals5
- New Bloomfield, approvals4
- KINGDOM CITY, approvals2
- STEEDMAN, approvals1
- AUXVASSE, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| FULTON | 33 | $9,083,000 |
| HOLTS SUMMIT | 5 | $2,580,300 |
| New Bloomfield | 4 | $1,076,300 |
| KINGDOM CITY | 2 | $1,406,000 |
| STEEDMAN | 1 | $60,000 |
| AUXVASSE | 1 | $15,000 |
| TEBBETTS | 1 | $53,600 |
| WILLIAMSBURG | 1 | $191,700 |
FULTON accounts for 33 approvals against 5 in HOLTS SUMMIT. 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.
Callaway County
How big is Callaway County
- Land area835 sq mi
- Rank by land area among Missouri counties7th of 115
- Width, east to west31.6 mi
- Height, north to south35 mi
- Geographies sharing a boundary5
- Residents per square mile of land54
- Establishments per square mile0.94
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 Callaway 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 Callaway County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population44,741
- Households16,485
- Average household size2.71
- Median household income$74,176
- Median age39.4
Common questions
Callaway County questions, answered from the record.
How many people live in Callaway County, Missouri?
44,741, in 16,485 households, ranking 24th of 115 Missouri counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Callaway County growing?
The population has grown 1.89 percent since the 2020 census base. In 2024 there were 491 births against 496 deaths, with net migration of 312. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Callaway County?
$74,176. The median owner-occupied home is valued at $201,600, which is 2.7 times income, and median gross rent is $887 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Callaway County?
782 establishments, employing 11,703 people with an annual payroll of $649.5 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 Callaway County?
Average annual pay is $56,776, or $1,092 a week, across 14,917 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Callaway County?
48 7(a) approvals totalling $14.5 m since FY2020, across 11 lenders, with a median approval of $70,800, plus 15 504 approvals worth $7.7 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Callaway County get paid back?
Of the 19 loans that have reached a final outcome, 18 were paid in full and 1 charged off, a charge off rate of 5.3 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Callaway County?
38 housing units were authorised by permit in 2024, with a declared construction value of $10.4 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Callaway 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 Callaway County come from?
The largest single origin is Callaway County Non-migrants, with 16,015 households. Arriving households report an average income of $49,414 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 Callaway 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 Callaway 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.