Cedar County, Missouri: commercial real estate data.
Cedar County, Missouri has a population of 14,615 across 474 square miles, up 5.9 percent since the 2020 census base. County output reached $458.8 m in 2024, 305 establishments operate here, and the SBA record carries 17 7(a) approvals worth $4.7 m.
107 sourced county values · tier FULL · 11 sections
Cedar County
How many people live in Cedar County
- Population14,615
- Households5,773
- Average household size2.53
- Median household income$48,181
- Median age43.0
- Median gross rent$767 per month
- Median owner-occupied home value$168,100
- Home value to household income3.5 times
- Annual rent as a share of median income19.1 percent
- Adults 25 and over with a bachelor degree or higher19.0 percent
- Adults 25 and over with a graduate degree7.0 percent
- Adults 25 and over10,148
- Population under 183,510
- Share under 1824.0 percent
- Population 65 and over3,380
- Share 65 and over23.1 percent
- Working age population, 18 to 647,725
- Civilian labor force6,041
- Unemployment rate2.6 percent
- Labor force participation, adults 18 and over54.4 percent
- Rank by population among Missouri counties70th of 115
- Rank by population among US county-equivalents2180th
Cedar County is the 70th largest of 115 Missouri counties by population. A median home costs 3.5 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 24.0 percent against 23.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Cedar County
Is Cedar County growing
- Population change since the 2020 census base5.89 percent
- Census 2020 base population14,188
- Births, 2024228
- Deaths, 2024214
- Natural change, 202414
- Net domestic migration, 2024308
- Net international migration, 2024-1
- Total net migration, 2024307
- Cumulative net domestic migration, 2021 to 2024840
- Rank by growth among US county-equivalents422nd
The county has grown 5.89 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Cedar County
Where people moving to Cedar County come from
- Tax returns filed by households arriving463
- People arriving, from those returns944
- Adjusted gross income arriving$22.2 m
- Net adjusted gross income movement$0
- Average income of an arriving household$47,842
- Largest single originCedar County Non-migrants (4,662 households)
- Largest single destination (4,662 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Cedar County Non-migrants | 4,662 | 10,344 | $222.8 m |
| Other flows - Different State | 179 | 377 | $9.7 m |
| Other flows - Same State | 149 | 288 | $7.1 m |
| Other flows - West | 67 | 151 | $3.9 m |
| Other flows - Midwest | 58 | 102 | $3.0 m |
| Other flows - South | 54 | 124 | $2.9 m |
| Vernon County | 53 | 108 | $1.6 m |
| Greene County | 44 | 91 | $2.2 m |
The largest single source of arrivals is Cedar 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.
Cedar County
What the Cedar County economy runs on
- County GDP, 2024$458.8 m
- County GDP, 2023$422.5 m
- GDP change, 2023 to 20248.6 percent
- GDP change over five years50.7 percent
- Rank by GDP among Missouri counties76th
- Rank by GDP among US county-equivalents2458th
- GDP per resident$31,393
Output grew 8.6 percent in the latest year and 50.7 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.
Cedar County
Who employs people in Cedar County
- Covered employment, annual average3,486
- Establishments reporting396
- Average annual pay$40,789
- Average weekly wage$784
- Sector 44-45, employment487
- Sector 44-45, average annual pay$28,469
- Sector 31-33, employment410
- Sector 31-33, average annual pay$56,645
- Sector 72, employment290
- Sector 72, average annual pay$17,860
- Sector 23, employment148
- Sector 23, average annual pay$57,495
- Sector 52, employment111
- Sector 81, employment52
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 487 | 53 | $28,469 |
| Sector 31-33 | 410 | 21 | $56,645 |
| Sector 72 | 290 | 25 | $17,860 |
| Sector 23 | 148 | 36 | $57,495 |
| Sector 52 | 111 | 21 | $56,676 |
| Sector 81 | 52 | 22 | $30,226 |
| Sector 53 | 49 | 11 | $31,059 |
| Sector 71 | 35 | 4 | $23,002 |
The largest sector is the biggest private employer group at 487 jobs, 14.0 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.
Cedar County
What businesses operate in Cedar County
- Establishments, all industries305
- Employment at those establishments2,576
- Annual payroll$96.8 m
- Establishments per 1,000 residents20.9
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.
Cedar County
What is being built in Cedar County
- Housing units authorised by permit, 202411
- Declared construction value permitted$2.6 m
- Single family units authorised9
- Multifamily units authorised2
- Multifamily share of units18.2 percent
- Average declared value per unit$237,577
- Units authorised per 1,000 households1.9
Multifamily is 18.2 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Cedar County
How much SBA lending happens in Cedar County
- 7(a) approvals recorded17
- 7(a) gross approval dollars$4.7 m
- Average 7(a) approval$274,141
- Median 7(a) approval$123,800
- 10th percentile approval$25,000
- 90th percentile approval$895,000
- Largest single approval$1,374,500
- Jobs reported supported, 7(a)69
- Jobs per approval4.1
- Distinct 7(a) lenders active10
- Distinct industries receiving approvals13
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer17.6 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter12
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countChicken Egg Production (4)
- Most active lenderSt. Clair County State Bank (4)
The average approval of $274,141 sits well above the median of $123,800, 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 17.6 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.
Cedar County
Do SBA loans in Cedar County get paid back
- Loans with a final outcome recorded5
- Paid in full5
- Charged off0
- Status: Paid in full5
- Status: Exempt from disclosure11
- Status: Cancelled1
Too few loans have reached a final outcome to publish a charge off rate. only 5 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.
Cedar County
Which parts of Cedar County get the lending
- Places in the county with recorded lending3
- STOCKTON, approvals10
- EL DORADO SPRINGS, approvals5
- Fair Play, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| STOCKTON | 10 | $3,063,500 |
| EL DORADO SPRINGS | 5 | $1,241,900 |
| Fair Play | 2 | $355,000 |
STOCKTON accounts for 10 approvals against 5 in EL DORADO SPRINGS. 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.
Cedar County
How big is Cedar County
- Land area474 sq mi
- Rank by land area among Missouri counties90th of 115
- Width, east to west25.1 mi
- Height, north to south22.7 mi
- Geographies sharing a boundary5
- Residents per square mile of land31
- Establishments per square mile0.64
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 Cedar 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 Cedar County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population14,615
- Households5,773
- Average household size2.53
- Median household income$48,181
- Median age43.0
Common questions
Cedar County questions, answered from the record.
How many people live in Cedar County, Missouri?
14,615, in 5,773 households, ranking 70th of 115 Missouri counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Cedar County growing?
The population has grown 5.89 percent since the 2020 census base. In 2024 there were 228 births against 214 deaths, with net migration of 307. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Cedar County?
$48,181. The median owner-occupied home is valued at $168,100, which is 3.5 times income, and median gross rent is $767 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Cedar County?
305 establishments, employing 2,576 people with an annual payroll of $96.8 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 Cedar County?
Average annual pay is $40,789, or $784 a week, across 3,486 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Cedar County?
17 7(a) approvals totalling $4.7 m since FY2020, across 10 lenders, with a median approval of $123,800. These are approvals recorded in the release, not loans disbursed.
What is being built in Cedar County?
11 housing units were authorised by permit in 2024, with a declared construction value of $2.6 m. Multifamily was 18.2 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Cedar 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 Cedar County come from?
The largest single origin is Cedar County Non-migrants, with 4,662 households. Arriving households report an average income of $47,842 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 Cedar 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 Cedar 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.