Christian County, Missouri: commercial real estate data.
Christian County, Missouri has a population of 92,915 across 563 square miles, up 8.1 percent since the 2020 census base. County output reached $2.96 bn in 2024, 2,098 establishments operate here, and the SBA record carries 169 7(a) approvals worth $75.0 m.
123 sourced county values · tier FULL · 11 sections
Christian County
How many people live in Christian County
- Population92,915
- Households35,142
- Average household size2.64
- Median household income$83,437
- Median age39.2
- Median gross rent$1,058 per month
- Median owner-occupied home value$274,900
- Home value to household income3.3 times
- Annual rent as a share of median income15.2 percent
- Adults 25 and over with a bachelor degree or higher32.7 percent
- Adults 25 and over with a graduate degree12.5 percent
- Adults 25 and over63,018
- Population under 1823,318
- Share under 1825.1 percent
- Population 65 and over15,557
- Share 65 and over16.7 percent
- Working age population, 18 to 6454,040
- Civilian labor force46,763
- Unemployment rate3.4 percent
- Labor force participation, adults 18 and over67.2 percent
- Rank by population among Missouri counties13th of 115
- Rank by population among US county-equivalents657th
Christian County is the 13th largest of 115 Missouri counties by population. A median home costs 3.3 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 25.1 percent against 16.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Christian County
Is Christian County growing
- Population change since the 2020 census base8.10 percent
- Census 2020 base population88,846
- Births, 20241,027
- Deaths, 2024862
- Natural change, 2024165
- Net domestic migration, 20241,256
- Net international migration, 2024160
- Total net migration, 20241,416
- Cumulative net domestic migration, 2021 to 20245,893
- Rank by growth among US county-equivalents233rd
The county has grown 8.10 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.
Christian County
Where people moving to Christian County come from
- Tax returns filed by households arriving3,577
- People arriving, from those returns7,227
- Adjusted gross income arriving$236.9 m
- Net adjusted gross income movement$0
- Average income of an arriving household$66,240
- Largest single originChristian County Non-migrants (31,433 households)
- Largest single destination (31,433 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Christian County Non-migrants | 31,433 | 71,372 | $2.64 bn |
| Greene County | 1,428 | 2,772 | $86.4 m |
| Other flows - Different State | 1,095 | 2,339 | $85.4 m |
| Other flows - South | 437 | 900 | $30.8 m |
| Other flows - West | 385 | 890 | $34.8 m |
| Other flows - Same State | 335 | 666 | $21.9 m |
| Other flows - Midwest | 223 | 446 | $16.3 m |
| Taney County | 191 | 365 | $11.4 m |
The largest single source of arrivals is Christian 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.
Christian County
What the Christian County economy runs on
- County GDP, 2024$2.96 bn
- County GDP, 2023$2.70 bn
- GDP change, 2023 to 20249.6 percent
- GDP change over five years52.3 percent
- Rank by GDP among Missouri counties20th
- Rank by GDP among US county-equivalents989th
- GDP per resident$31,895
Output grew 9.6 percent in the latest year and 52.3 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.
Christian County
Who employs people in Christian County
- Covered employment, annual average20,678
- Establishments reporting2,368
- Average annual pay$44,911
- Average weekly wage$864
- Sector 44-45, employment3,068
- Sector 44-45, average annual pay$34,443
- Sector 72, employment2,697
- Sector 72, average annual pay$22,506
- Sector 62, employment2,429
- Sector 62, average annual pay$51,930
- Sector 23, employment2,228
- Sector 23, average annual pay$58,168
- Sector 31-33, employment1,498
- Sector 56, employment953
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 3,068 | 254 | $34,443 |
| Sector 72 | 2,697 | 137 | $22,506 |
| Sector 62 | 2,429 | 388 | $51,930 |
| Sector 23 | 2,228 | 363 | $58,168 |
| Sector 31-33 | 1,498 | 110 | $50,999 |
| Sector 56 | 953 | 143 | $42,825 |
| Sector 42 | 737 | 95 | $60,451 |
| Sector 54 | 682 | 200 | $59,145 |
The largest sector is the biggest private employer group at 3,068 jobs, 14.8 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.
Christian County
What businesses operate in Christian County
- Establishments, all industries2,098
- Employment at those establishments16,831
- Annual payroll$700.4 m
- Establishments per 1,000 residents22.6
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.
Christian County
What is being built in Christian County
- Housing units authorised by permit, 2024553
- Declared construction value permitted$167.2 m
- Single family units authorised508
- Multifamily units authorised45
- Multifamily share of units8.1 percent
- Average declared value per unit$302,308
- Units authorised per 1,000 households15.7
Multifamily is 8.1 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Christian County
How much SBA lending happens in Christian County
- 7(a) approvals recorded169
- 7(a) gross approval dollars$75.0 m
- Average 7(a) approval$443,505
- Median 7(a) approval$219,200
- 10th percentile approval$50,000
- 90th percentile approval$961,500
- Largest single approval$3,592,000
- Jobs reported supported, 7(a)1,738
- Jobs per approval10.3
- Distinct 7(a) lenders active36
- Distinct industries receiving approvals91
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer15.4 percent
- Loans on real estate terms26
- Loans on working capital terms, 120 months or shorter130
- Franchise loans9
- Franchise share of approvals5.3 percent
- Leading industry by approval countGeneral Automotive Repair (7)
- Most active lenderRegent Bank (23)
- 504 approvals recorded52
- 504 gross approval dollars$25.1 m
- Average 504 approval$481,846
- Median 504 approval$328,000
- Distinct CDCs active3
- 504 jobs per approval4.3
- 504 jobs per million dollars approved8.8
- Most active CDCRural Missouri, Inc. (50)
- 7(a) share of SBA approvals76.5 percent
- Combined SBA approval dollars$100.0 m
The average approval of $443,505 sits well above the median of $219,200, 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 15.4 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.
Christian County
Do SBA loans in Christian County get paid back
- Loans with a final outcome recorded47
- Paid in full46
- Charged off1
- Charge off rate on resolved loans2.1 percent
- Status: Exempt from disclosure104
- Status: Paid in full46
- Status: Cancelled15
- Status: Charged off1
- Status: Committed, not yet disbursed3
Of the 47 loans that have reached a final outcome, 2.1 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.
Christian County
Which parts of Christian County get the lending
- Places in the county with recorded lending13
- NIXA, approvals77
- OZARK, approvals50
- Sparta, approvals14
- BILLINGS, approvals7
- HIGHLANDVILLE, approvals6
- SPOKANE, approvals5
| Place | Approvals | Gross approval dollars |
|---|---|---|
| NIXA | 77 | $32,229,000 |
| OZARK | 50 | $23,011,800 |
| Sparta | 14 | $6,090,000 |
| BILLINGS | 7 | $1,370,600 |
| HIGHLANDVILLE | 6 | $5,916,600 |
| SPOKANE | 5 | $3,844,400 |
| OLDFIELD | 2 | $682,000 |
| CLEVER | 2 | $76,800 |
NIXA accounts for 77 approvals against 50 in OZARK. 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.
Christian County
How big is Christian County
- Land area563 sq mi
- Rank by land area among Missouri counties63rd of 115
- Width, east to west39.1 mi
- Height, north to south20 mi
- Geographies sharing a boundary6
- Residents per square mile of land165
- Establishments per square mile3.73
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 Christian 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 Christian County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population92,915
- Households35,142
- Average household size2.64
- Median household income$83,437
- Median age39.2
Common questions
Christian County questions, answered from the record.
How many people live in Christian County, Missouri?
92,915, in 35,142 households, ranking 13th of 115 Missouri counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Christian County growing?
The population has grown 8.10 percent since the 2020 census base. In 2024 there were 1,027 births against 862 deaths, with net migration of 1,416. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Christian County?
$83,437. The median owner-occupied home is valued at $274,900, which is 3.3 times income, and median gross rent is $1,058 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Christian County?
2,098 establishments, employing 16,831 people with an annual payroll of $700.4 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 Christian County?
Average annual pay is $44,911, or $864 a week, across 20,678 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Christian County?
169 7(a) approvals totalling $75.0 m since FY2020, across 36 lenders, with a median approval of $219,200, plus 52 504 approvals worth $25.1 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Christian County get paid back?
Of the 47 loans that have reached a final outcome, 46 were paid in full and 1 charged off, a charge off rate of 2.1 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Christian County?
553 housing units were authorised by permit in 2024, with a declared construction value of $167.2 m. Multifamily was 8.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Christian 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 Christian County come from?
The largest single origin is Christian County Non-migrants, with 31,433 households. Arriving households report an average income of $66,240 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 Christian 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 Christian 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.