Scotland County, Missouri: commercial real estate data.
Scotland County, Missouri has a population of 4,686 across 437 square miles, down 0.4 percent since the 2020 census base. County output reached $236.1 m in 2024, 134 establishments operate here, and the SBA record carries 2 7(a) approvals worth $720,500.
102 sourced county values · tier FULL · 10 sections
Scotland County
How many people live in Scotland County
- Population4,686
- Households1,550
- Average household size3.02
- Median household income$68,913
- Median age36.5
- Median gross rent$511 per month
- Median owner-occupied home value$158,800
- Home value to household income2.3 times
- Annual rent as a share of median income8.9 percent
- Adults 25 and over with a bachelor degree or higher15.2 percent
- Adults 25 and over with a graduate degree5.5 percent
- Adults 25 and over2,944
- Population under 181,399
- Share under 1829.9 percent
- Population 65 and over907
- Share 65 and over19.4 percent
- Working age population, 18 to 642,380
- Civilian labor force2,106
- Unemployment rate0.2 percent
- Labor force participation, adults 18 and over64.1 percent
- Rank by population among Missouri counties109th of 115
- Rank by population among US county-equivalents2921st
Scotland County is the 109th largest of 115 Missouri counties by population. A median home costs 2.3 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 29.9 percent against 19.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Scotland County
Is Scotland County growing
- Population change since the 2020 census base-0.36 percent
- Census 2020 base population4,715
- Births, 202482
- Deaths, 202442
- Natural change, 202440
- Net domestic migration, 2024-48
- Net international migration, 20249
- Total net migration, 2024-39
- Cumulative net domestic migration, 2021 to 2024-134
- Rank by growth among US county-equivalents1973rd
The county has lost 0.36 percent of its population since the 2020 census base. Births exceeded deaths in 2024 but more people left than arrived, so the population is being sustained internally rather than attracting.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Scotland County
Where people moving to Scotland County come from
- Tax returns filed by households arriving36
- People arriving, from those returns69
- Adjusted gross income arriving$1.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$40,861
- Largest single originScotland County Non-migrants (1,630 households)
- Largest single destination (1,630 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Scotland County Non-migrants | 1,630 | 3,780 | $95.2 m |
| Other flows - Same State | 36 | 69 | $1.5 m |
The largest single source of arrivals is Scotland 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.
Scotland County
What the Scotland County economy runs on
- County GDP, 2024$236.1 m
- County GDP, 2023$241.7 m
- GDP change, 2023 to 2024-2.3 percent
- GDP change over five years48.4 percent
- Rank by GDP among Missouri counties102nd
- Rank by GDP among US county-equivalents2826th
- GDP per resident$50,376
Output grew -2.3 percent in the latest year and 48.4 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.
Scotland County
Who employs people in Scotland County
- Covered employment, annual average1,268
- Establishments reporting155
- Average annual pay$42,746
- Average weekly wage$822
- Sector 42, employment176
- Sector 42, average annual pay$46,658
- Sector 44-45, employment174
- Sector 44-45, average annual pay$24,770
- Sector 31-33, employment93
- Sector 31-33, average annual pay$43,465
- Sector 52, employment42
- Sector 52, average annual pay$41,510
- Sector 72, employment39
- Sector 48-49, employment35
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 42 | 176 | 15 | $46,658 |
| Sector 44-45 | 174 | 26 | $24,770 |
| Sector 31-33 | 93 | 12 | $43,465 |
| Sector 52 | 42 | 9 | $41,510 |
| Sector 72 | 39 | 5 | $13,769 |
| Sector 48-49 | 35 | 7 | $58,921 |
| Sector 81 | 33 | 15 | $39,635 |
| Sector 53 | 8 | 4 | $30,273 |
The largest sector is the biggest private employer group at 176 jobs, 13.9 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.
Scotland County
What businesses operate in Scotland County
- Establishments, all industries134
- Employment at those establishments849
- Annual payroll$36.4 m
- Establishments per 1,000 residents28.6
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.
Scotland County
What is being built in Scotland County
- Housing units authorised by permit, 20242
- Declared construction value permitted$450,000
- Single family units authorised2
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$225,000
- Units authorised per 1,000 households1.3
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Scotland County
How much SBA lending happens in Scotland County
- 7(a) approvals recorded2
- 7(a) gross approval dollars$720,500
- Average 7(a) approval$360,250
- Median 7(a) approval$620,500
- 10th percentile approval$100,000
- 90th percentile approval$620,500
- Largest single approval$620,500
- Jobs reported supported, 7(a)16
- Jobs per approval8.0
- Distinct 7(a) lenders active1
- Distinct industries receiving approvals1
- Median 7(a) term122 months
- Share of loans on real estate terms, 240 months or longer0.0 percent
- Loans on real estate terms0
- Loans on working capital terms, 120 months or shorter1
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countOther Building Material Dealers (2)
- Most active lenderThe Central Trust Bank (2)
The average approval of $360,250 sits close to the median of $620,500, so lending here is fairly evenly sized rather than driven by a few large deals. Only 0.0 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.
Scotland County
Do SBA loans in Scotland County get paid back
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Committed, not yet disbursed1
- Status: Exempt from disclosure1
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.
Scotland County
How big is Scotland County
- Land area437 sq mi
- Rank by land area among Missouri counties98th of 115
- Width, east to west21.4 mi
- Height, north to south21.1 mi
- Geographies sharing a boundary4
- Residents per square mile of land11
- Establishments per square mile0.31
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 Scotland 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 Scotland County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population4,686
- Households1,550
- Average household size3.02
- Median household income$68,913
- Median age36.5
Common questions
Scotland County questions, answered from the record.
How many people live in Scotland County, Missouri?
4,686, in 1,550 households, ranking 109th of 115 Missouri counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Scotland County growing?
The population has fallen 0.36 percent since the 2020 census base. In 2024 there were 82 births against 42 deaths, with net migration of -39. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Scotland County?
$68,913. The median owner-occupied home is valued at $158,800, which is 2.3 times income, and median gross rent is $511 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Scotland County?
134 establishments, employing 849 people with an annual payroll of $36.4 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 Scotland County?
Average annual pay is $42,746, or $822 a week, across 1,268 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Scotland County?
2 7(a) approvals totalling $720,500 since FY2020, across 1 lenders, with a median approval of $620,500. These are approvals recorded in the release, not loans disbursed.
What is being built in Scotland County?
2 housing units were authorised by permit in 2024, with a declared construction value of $450,000. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Scotland 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 Scotland County come from?
The largest single origin is Scotland County Non-migrants, with 1,630 households. Arriving households report an average income of $40,861 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 Scotland 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 Scotland 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.