Lawrence County, Missouri: commercial real estate data.
Lawrence County, Missouri has a population of 38,593 across 612 square miles, up 3.0 percent since the 2020 census base. County output reached $1.34 bn in 2024, 689 establishments operate here, and the SBA record carries 62 7(a) approvals worth $24.7 m.
123 sourced county values · tier FULL · 11 sections
Lawrence County
How many people live in Lawrence County
- Population38,593
- Households14,602
- Average household size2.64
- Median household income$61,215
- Median age38.8
- Median gross rent$800 per month
- Median owner-occupied home value$175,100
- Home value to household income2.9 times
- Annual rent as a share of median income15.7 percent
- Adults 25 and over with a bachelor degree or higher16.9 percent
- Adults 25 and over with a graduate degree5.7 percent
- Adults 25 and over25,731
- Population under 189,809
- Share under 1825.4 percent
- Population 65 and over6,996
- Share 65 and over18.1 percent
- Working age population, 18 to 6421,788
- Civilian labor force18,028
- Unemployment rate4.3 percent
- Labor force participation, adults 18 and over62.6 percent
- Rank by population among Missouri counties30th of 115
- Rank by population among US county-equivalents1234th
Lawrence County is the 30th largest of 115 Missouri counties by population. A median home costs 2.9 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 25.4 percent against 18.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Lawrence County
Is Lawrence County growing
- Population change since the 2020 census base3.02 percent
- Census 2020 base population38,004
- Births, 2024510
- Deaths, 2024531
- Natural change, 2024-21
- Net domestic migration, 2024280
- Net international migration, 202415
- Total net migration, 2024295
- Cumulative net domestic migration, 2021 to 20241,352
- Rank by growth among US county-equivalents867th
The county has grown 3.02 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.
Lawrence County
Where people moving to Lawrence County come from
- Tax returns filed by households arriving1,185
- People arriving, from those returns2,467
- Adjusted gross income arriving$55.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$46,991
- Largest single originLawrence County Non-migrants (13,265 households)
- Largest single destination (13,265 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Lawrence County Non-migrants | 13,265 | 29,153 | $741.0 m |
| Other flows - Different State | 305 | 653 | $17.5 m |
| Greene County | 267 | 537 | $11.9 m |
| Barry County | 227 | 505 | $9.5 m |
| Other flows - Same State | 152 | 303 | $6.6 m |
| Other flows - South | 134 | 277 | $6.6 m |
| Other flows - West | 111 | 256 | $7.6 m |
| Christian County | 79 | 157 | $4.2 m |
The largest single source of arrivals is Lawrence 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.
Lawrence County
What the Lawrence County economy runs on
- County GDP, 2024$1.34 bn
- County GDP, 2023$1.23 bn
- GDP change, 2023 to 20249.4 percent
- GDP change over five years52.8 percent
- Rank by GDP among Missouri counties36th
- Rank by GDP among US county-equivalents1603rd
- GDP per resident$34,799
Output grew 9.4 percent in the latest year and 52.8 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.
Lawrence County
Who employs people in Lawrence County
- Covered employment, annual average8,920
- Establishments reporting957
- Average annual pay$47,246
- Average weekly wage$909
- Sector 44-45, employment1,381
- Sector 44-45, average annual pay$34,085
- Sector 31-33, employment1,245
- Sector 31-33, average annual pay$63,002
- Sector 72, employment731
- Sector 72, average annual pay$18,519
- Sector 48-49, employment538
- Sector 48-49, average annual pay$57,959
- Sector 23, employment466
- Sector 42, employment240
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 1,381 | 108 | $34,085 |
| Sector 31-33 | 1,245 | 43 | $63,002 |
| Sector 72 | 731 | 51 | $18,519 |
| Sector 48-49 | 538 | 71 | $57,959 |
| Sector 23 | 466 | 88 | $61,420 |
| Sector 42 | 240 | 38 | $54,382 |
| Sector 54 | 224 | 45 | $54,978 |
| Sector 52 | 201 | 46 | $51,957 |
The largest sector is the biggest private employer group at 1,381 jobs, 15.5 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.
Lawrence County
What businesses operate in Lawrence County
- Establishments, all industries689
- Employment at those establishments6,385
- Annual payroll$285.5 m
- Establishments per 1,000 residents17.9
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.
Lawrence County
What is being built in Lawrence County
- Housing units authorised by permit, 202479
- Declared construction value permitted$17.8 m
- Single family units authorised34
- Multifamily units authorised45
- Multifamily share of units57.0 percent
- Average declared value per unit$225,450
- Units authorised per 1,000 households5.4
Multifamily is 57.0 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Lawrence County
How much SBA lending happens in Lawrence County
- 7(a) approvals recorded62
- 7(a) gross approval dollars$24.7 m
- Average 7(a) approval$398,592
- Median 7(a) approval$125,000
- 10th percentile approval$20,000
- 90th percentile approval$1,155,000
- Largest single approval$3,460,700
- Jobs reported supported, 7(a)365
- Jobs per approval5.9
- Distinct 7(a) lenders active18
- Distinct industries receiving approvals44
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer19.4 percent
- Loans on real estate terms12
- Loans on working capital terms, 120 months or shorter45
- Franchise loans3
- Franchise share of approvals4.8 percent
- Leading industry by approval countCar Washes (4)
- Most active lenderFirst Independent Bank (15)
- 504 approvals recorded9
- 504 gross approval dollars$4.7 m
- Average 504 approval$517,667
- Median 504 approval$181,000
- Distinct CDCs active1
- 504 jobs per approval3.1
- 504 jobs per million dollars approved6.0
- Most active CDCRural Missouri, Inc. (9)
- 7(a) share of SBA approvals87.3 percent
- Combined SBA approval dollars$29.4 m
The average approval of $398,592 sits well above the median of $125,000, 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. Only 19.4 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.
Lawrence County
Do SBA loans in Lawrence County get paid back
- Loans with a final outcome recorded21
- Paid in full20
- Charged off1
- Charge off rate on resolved loans4.8 percent
- Status: Paid in full20
- Status: Exempt from disclosure36
- Status: Cancelled4
- Status: Charged off1
- Status: Committed, not yet disbursed1
Of the 21 loans that have reached a final outcome, 4.8 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.
Lawrence County
Which parts of Lawrence County get the lending
- Places in the county with recorded lending10
- Aurora, approvals21
- MOUNT VERNON, approvals18
- Pierce City, approvals6
- MONETT, approvals4
- WENTWORTH, approvals3
- MARIONVILLE, approvals3
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Aurora | 21 | $5,489,700 |
| MOUNT VERNON | 18 | $9,604,100 |
| Pierce City | 6 | $1,901,500 |
| MONETT | 4 | $527,000 |
| WENTWORTH | 3 | $2,723,000 |
| MARIONVILLE | 3 | $2,657,700 |
| Verona | 3 | $632,700 |
| LA RUSSELL | 2 | $443,000 |
Aurora accounts for 21 approvals against 18 in MOUNT VERNON. 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.
Lawrence County
How big is Lawrence County
- Land area612 sq mi
- Rank by land area among Missouri counties52nd of 115
- Width, east to west25.2 mi
- Height, north to south25.4 mi
- Geographies sharing a boundary7
- Residents per square mile of land63
- Establishments per square mile1.13
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 Lawrence 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 Lawrence County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population38,593
- Households14,602
- Average household size2.64
- Median household income$61,215
- Median age38.8
Common questions
Lawrence County questions, answered from the record.
How many people live in Lawrence County, Missouri?
38,593, in 14,602 households, ranking 30th of 115 Missouri counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Lawrence County growing?
The population has grown 3.02 percent since the 2020 census base. In 2024 there were 510 births against 531 deaths, with net migration of 295. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Lawrence County?
$61,215. The median owner-occupied home is valued at $175,100, which is 2.9 times income, and median gross rent is $800 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Lawrence County?
689 establishments, employing 6,385 people with an annual payroll of $285.5 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 Lawrence County?
Average annual pay is $47,246, or $909 a week, across 8,920 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Lawrence County?
62 7(a) approvals totalling $24.7 m since FY2020, across 18 lenders, with a median approval of $125,000, plus 9 504 approvals worth $4.7 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Lawrence County get paid back?
Of the 21 loans that have reached a final outcome, 20 were paid in full and 1 charged off, a charge off rate of 4.8 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Lawrence County?
79 housing units were authorised by permit in 2024, with a declared construction value of $17.8 m. Multifamily was 57.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Lawrence 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 Lawrence County come from?
The largest single origin is Lawrence County Non-migrants, with 13,265 households. Arriving households report an average income of $46,991 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 Lawrence 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 Lawrence 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.