Miller County, Missouri: commercial real estate data.
Miller County, Missouri has a population of 25,269 across 593 square miles, up 3.8 percent since the 2020 census base. County output reached $1.05 bn in 2024, 714 establishments operate here, and the SBA record carries 32 7(a) approvals worth $17.6 m.
120 sourced county values · tier FULL · 11 sections
Miller County
How many people live in Miller County
- Population25,269
- Households9,857
- Average household size2.56
- Median household income$56,736
- Median age41.3
- Median gross rent$763 per month
- Median owner-occupied home value$192,600
- Home value to household income3.4 times
- Annual rent as a share of median income16.1 percent
- Adults 25 and over with a bachelor degree or higher19.2 percent
- Adults 25 and over with a graduate degree6.7 percent
- Adults 25 and over17,520
- Population under 185,869
- Share under 1823.2 percent
- Population 65 and over5,072
- Share 65 and over20.1 percent
- Working age population, 18 to 6414,328
- Civilian labor force11,778
- Unemployment rate5.3 percent
- Labor force participation, adults 18 and over60.7 percent
- Rank by population among Missouri counties42nd of 115
- Rank by population among US county-equivalents1647th
Miller County is the 42nd largest of 115 Missouri counties by population. A median home costs 3.4 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 23.2 percent against 20.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Miller County
Is Miller County growing
- Population change since the 2020 census base3.80 percent
- Census 2020 base population24,729
- Births, 2024292
- Deaths, 2024303
- Natural change, 2024-11
- Net domestic migration, 2024109
- Net international migration, 20245
- Total net migration, 2024114
- Cumulative net domestic migration, 2021 to 20241,022
- Rank by growth among US county-equivalents727th
The county has grown 3.80 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.
Miller County
Where people moving to Miller County come from
- Tax returns filed by households arriving791
- People arriving, from those returns1,559
- Adjusted gross income arriving$40.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$51,260
- Largest single originMiller County Non-migrants (8,633 households)
- Largest single destination (8,633 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Miller County Non-migrants | 8,633 | 18,351 | $491.4 m |
| Camden County | 215 | 429 | $10.2 m |
| Other flows - Different State | 194 | 394 | $12.6 m |
| Other flows - Same State | 185 | 323 | $8.7 m |
| Other flows - Midwest | 71 | 119 | $4.4 m |
| Cole County | 67 | 138 | $3.9 m |
| Other flows - West | 65 | 144 | $5.0 m |
| Morgan County | 63 | 144 | $2.2 m |
The largest single source of arrivals is Miller 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.
Miller County
What the Miller County economy runs on
- County GDP, 2024$1.05 bn
- County GDP, 2023$959.1 m
- GDP change, 2023 to 20249.6 percent
- GDP change over five years45.0 percent
- Rank by GDP among Missouri counties49th
- Rank by GDP among US county-equivalents1810th
- GDP per resident$41,582
Output grew 9.6 percent in the latest year and 45.0 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.
Miller County
Who employs people in Miller County
- Covered employment, annual average8,005
- Establishments reporting759
- Average annual pay$44,073
- Average weekly wage$848
- Sector 44-45, employment1,684
- Sector 44-45, average annual pay$34,622
- Sector 31-33, employment1,037
- Sector 31-33, average annual pay$48,802
- Sector 23, employment844
- Sector 23, average annual pay$51,351
- Sector 72, employment768
- Sector 72, average annual pay$25,771
- Sector 56, employment387
- Sector 48-49, employment213
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 1,684 | 94 | $34,622 |
| Sector 31-33 | 1,037 | 26 | $48,802 |
| Sector 23 | 844 | 145 | $51,351 |
| Sector 72 | 768 | 51 | $25,771 |
| Sector 56 | 387 | 38 | $28,612 |
| Sector 48-49 | 213 | 23 | $81,346 |
| Sector 54 | 182 | 34 | $75,695 |
| Sector 71 | 182 | 17 | $32,603 |
The largest sector is the biggest private employer group at 1,684 jobs, 21.0 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.
Miller County
What businesses operate in Miller County
- Establishments, all industries714
- Employment at those establishments6,325
- Annual payroll$261.0 m
- Establishments per 1,000 residents28.3
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.
Miller County
What is being built in Miller County
- Housing units authorised by permit, 202488
- Declared construction value permitted$13.8 m
- Single family units authorised26
- Multifamily units authorised62
- Multifamily share of units70.5 percent
- Average declared value per unit$157,138
- Units authorised per 1,000 households8.9
Multifamily is 70.5 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Miller County
How much SBA lending happens in Miller County
- 7(a) approvals recorded32
- 7(a) gross approval dollars$17.6 m
- Average 7(a) approval$548,888
- Median 7(a) approval$284,800
- 10th percentile approval$40,000
- 90th percentile approval$990,000
- Largest single approval$4,150,000
- Jobs reported supported, 7(a)248
- Jobs per approval7.8
- Distinct 7(a) lenders active16
- Distinct industries receiving approvals24
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer28.1 percent
- Loans on real estate terms9
- Loans on working capital terms, 120 months or shorter21
- Franchise loans1
- Franchise share of approvals3.1 percent
- Leading industry by approval countPlumbing, Heating, and Air-Conditioning Contractors (3)
- Most active lenderOakStar Bank (9)
- 504 approvals recorded5
- 504 gross approval dollars$5.1 m
- Average 504 approval$1,013,000
- Median 504 approval$498,000
- Distinct CDCs active1
- 504 jobs per approval1.2
- 504 jobs per million dollars approved1.2
- Most active CDCRural Missouri, Inc. (5)
- 7(a) share of SBA approvals86.5 percent
- Combined SBA approval dollars$22.6 m
The average approval of $548,888 sits well above the median of $284,800, 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 28.1 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.
Miller County
Do SBA loans in Miller County get paid back
- Loans with a final outcome recorded8
- Paid in full8
- Charged off0
- Status: Exempt from disclosure22
- Status: Paid in full8
- Status: Cancelled2
Too few loans have reached a final outcome to publish a charge off rate. only 8 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.
Miller County
Which parts of Miller County get the lending
- Places in the county with recorded lending7
- ELDON, approvals10
- LAKE OZARK, approvals9
- OSAGE BEACH, approvals7
- KAISER, approvals2
- Rocky Mount, approvals2
- Olean, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| ELDON | 10 | $6,020,200 |
| LAKE OZARK | 9 | $7,807,800 |
| OSAGE BEACH | 7 | $1,987,900 |
| KAISER | 2 | $918,000 |
| Rocky Mount | 2 | $715,500 |
| Olean | 1 | $40,000 |
| IBERIA | 1 | $75,000 |
ELDON accounts for 10 approvals against 9 in LAKE 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.
Miller County
How big is Miller County
- Land area593 sq mi
- Rank by land area among Missouri counties56th of 115
- Width, east to west27.7 mi
- Height, north to south28.6 mi
- Geographies sharing a boundary7
- Residents per square mile of land43
- Establishments per square mile1.20
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 Miller 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 Miller County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population25,269
- Households9,857
- Average household size2.56
- Median household income$56,736
- Median age41.3
Common questions
Miller County questions, answered from the record.
How many people live in Miller County, Missouri?
25,269, in 9,857 households, ranking 42nd of 115 Missouri counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Miller County growing?
The population has grown 3.80 percent since the 2020 census base. In 2024 there were 292 births against 303 deaths, with net migration of 114. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Miller County?
$56,736. The median owner-occupied home is valued at $192,600, which is 3.4 times income, and median gross rent is $763 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Miller County?
714 establishments, employing 6,325 people with an annual payroll of $261.0 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 Miller County?
Average annual pay is $44,073, or $848 a week, across 8,005 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Miller County?
32 7(a) approvals totalling $17.6 m since FY2020, across 16 lenders, with a median approval of $284,800, plus 5 504 approvals worth $5.1 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Miller County?
88 housing units were authorised by permit in 2024, with a declared construction value of $13.8 m. Multifamily was 70.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Miller 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 Miller County come from?
The largest single origin is Miller County Non-migrants, with 8,633 households. Arriving households report an average income of $51,260 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 Miller 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 Miller 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.