Montgomery County, Missouri: commercial real estate data.
Montgomery County, Missouri has a population of 11,426 across 536 square miles, up 1.7 percent since the 2020 census base. County output reached $479.3 m in 2024, 239 establishments operate here, and the SBA record carries 12 7(a) approvals worth $8.0 m.
120 sourced county values · tier FULL · 11 sections
Montgomery County
How many people live in Montgomery County
- Population11,426
- Households4,640
- Average household size2.46
- Median household income$65,500
- Median age43.6
- Median gross rent$788 per month
- Median owner-occupied home value$178,700
- Home value to household income2.7 times
- Annual rent as a share of median income14.4 percent
- Adults 25 and over with a bachelor degree or higher17.7 percent
- Adults 25 and over with a graduate degree4.8 percent
- Adults 25 and over8,076
- Population under 182,504
- Share under 1821.9 percent
- Population 65 and over2,339
- Share 65 and over20.5 percent
- Working age population, 18 to 646,583
- Civilian labor force5,289
- Unemployment rate3.0 percent
- Labor force participation, adults 18 and over59.3 percent
- Rank by population among Missouri counties79th of 115
- Rank by population among US county-equivalents2392nd
Montgomery County is the 79th 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 21.9 percent against 20.5 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Montgomery County
Is Montgomery County growing
- Population change since the 2020 census base1.72 percent
- Census 2020 base population11,316
- Births, 2024111
- Deaths, 2024164
- Natural change, 2024-53
- Net domestic migration, 2024135
- Net international migration, 20240
- Total net migration, 2024135
- Cumulative net domestic migration, 2021 to 2024508
- Rank by growth among US county-equivalents1267th
The county has grown 1.72 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.
Montgomery County
Where people moving to Montgomery County come from
- Tax returns filed by households arriving328
- People arriving, from those returns626
- Adjusted gross income arriving$14.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$44,713
- Largest single originMontgomery County Non-migrants (4,230 households)
- Largest single destination (4,230 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Montgomery County Non-migrants | 4,230 | 8,642 | $249.8 m |
| Other flows - Same State | 106 | 206 | $4.1 m |
| Warren County | 69 | 130 | $3.0 m |
| Other flows - Different State | 50 | 92 | $1.9 m |
| St. Charles County | 39 | 74 | $2.0 m |
| Lincoln County | 38 | 78 | $2.2 m |
| Other flows - South | 30 | 64 | $1.1 m |
| Gasconade County | 26 | 46 | $1.5 m |
The largest single source of arrivals is Montgomery 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.
Montgomery County
What the Montgomery County economy runs on
- County GDP, 2024$479.3 m
- County GDP, 2023$490.8 m
- GDP change, 2023 to 2024-2.3 percent
- GDP change over five years30.9 percent
- Rank by GDP among Missouri counties75th
- Rank by GDP among US county-equivalents2430th
- GDP per resident$41,951
Output grew -2.3 percent in the latest year and 30.9 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.
Montgomery County
Who employs people in Montgomery County
- Covered employment, annual average3,225
- Establishments reporting332
- Average annual pay$49,334
- Average weekly wage$949
- Sector 31-33, employment766
- Sector 31-33, average annual pay$62,426
- Sector 23, employment463
- Sector 23, average annual pay$64,262
- Sector 44-45, employment303
- Sector 44-45, average annual pay$28,706
- Sector 62, employment303
- Sector 62, average annual pay$40,514
- Sector 72, employment209
- Sector 42, employment143
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 766 | 21 | $62,426 |
| Sector 23 | 463 | 44 | $64,262 |
| Sector 44-45 | 303 | 36 | $28,706 |
| Sector 62 | 303 | 53 | $40,514 |
| Sector 72 | 209 | 22 | $19,959 |
| Sector 42 | 143 | 12 | $58,950 |
| Sector 81 | 60 | 11 | $68,090 |
| Sector 11 | 45 | 12 | $43,662 |
The largest sector is the biggest private employer group at 766 jobs, 23.8 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.
Montgomery County
What businesses operate in Montgomery County
- Establishments, all industries239
- Employment at those establishments2,351
- Annual payroll$119.4 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.
Montgomery County
What is being built in Montgomery County
- Housing units authorised by permit, 202452
- Declared construction value permitted$14.2 m
- Single family units authorised52
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$273,034
- Units authorised per 1,000 households11.2
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Montgomery County
How much SBA lending happens in Montgomery County
- 7(a) approvals recorded12
- 7(a) gross approval dollars$8.0 m
- Average 7(a) approval$667,425
- Median 7(a) approval$472,100
- 10th percentile approval$150,000
- 90th percentile approval$1,445,000
- Largest single approval$1,831,300
- Jobs reported supported, 7(a)67
- Jobs per approval5.6
- Distinct 7(a) lenders active8
- Distinct industries receiving approvals11
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer16.7 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter8
- Franchise loans1
- Franchise share of approvals8.3 percent
- Leading industry by approval countPlumbing, Heating, and Air-Conditioning Contractors (2)
- Most active lenderU.S. Bank, National Association (3)
- 504 approvals recorded3
- 504 gross approval dollars$1.2 m
- Average 504 approval$389,333
- Median 504 approval$293,000
- Distinct CDCs active1
- 504 jobs per approval6.3
- 504 jobs per million dollars approved16.3
- Most active CDCSt. Charles County Economic Development Council (3)
- 7(a) share of SBA approvals80.0 percent
- Combined SBA approval dollars$9.2 m
The average approval of $667,425 sits well above the median of $472,100, 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 16.7 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.
Montgomery County
Do SBA loans in Montgomery County get paid back
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure10
- Status: Cancelled1
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 0 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.
Montgomery County
Which parts of Montgomery County get the lending
- Places in the county with recorded lending6
- MONTGOMERY CITY, approvals7
- New Florence, approvals1
- HIGH HILL, approvals1
- WELLSVILLE, approvals1
- JONESBURG, approvals1
- MONTGOMERY, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| MONTGOMERY CITY | 7 | $5,310,400 |
| New Florence | 1 | $301,000 |
| HIGH HILL | 1 | $1,376,100 |
| WELLSVILLE | 1 | $661,500 |
| JONESBURG | 1 | $332,100 |
| MONTGOMERY | 1 | $28,000 |
MONTGOMERY CITY accounts for 7 approvals against 1 in New Florence. 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.
Montgomery County
How big is Montgomery County
- Land area536 sq mi
- Rank by land area among Missouri counties72nd of 115
- Width, east to west20.8 mi
- Height, north to south32.5 mi
- Geographies sharing a boundary7
- Residents per square mile of land21
- Establishments per square mile0.45
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 Montgomery 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 Montgomery County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population11,426
- Households4,640
- Average household size2.46
- Median household income$65,500
- Median age43.6
Common questions
Montgomery County questions, answered from the record.
How many people live in Montgomery County, Missouri?
11,426, in 4,640 households, ranking 79th of 115 Missouri counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Montgomery County growing?
The population has grown 1.72 percent since the 2020 census base. In 2024 there were 111 births against 164 deaths, with net migration of 135. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Montgomery County?
$65,500. The median owner-occupied home is valued at $178,700, which is 2.7 times income, and median gross rent is $788 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Montgomery County?
239 establishments, employing 2,351 people with an annual payroll of $119.4 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 Montgomery County?
Average annual pay is $49,334, or $949 a week, across 3,225 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Montgomery County?
12 7(a) approvals totalling $8.0 m since FY2020, across 8 lenders, with a median approval of $472,100, plus 3 504 approvals worth $1.2 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Montgomery County?
52 housing units were authorised by permit in 2024, with a declared construction value of $14.2 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Montgomery 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 Montgomery County come from?
The largest single origin is Montgomery County Non-migrants, with 4,230 households. Arriving households report an average income of $44,713 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 Montgomery 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 Montgomery 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.