St. Clair County, Missouri: commercial real estate data.
St. Clair County, Missouri has a population of 9,587 across 670 square miles, up 6.1 percent since the 2020 census base. County output reached $257.2 m in 2024, 161 establishments operate here, and the SBA record carries 12 7(a) approvals worth $3.3 m.
117 sourced county values · tier FULL · 11 sections
St. Clair County
How many people live in St. Clair County
- Population9,587
- Households4,071
- Average household size2.35
- Median household income$53,043
- Median age46.1
- Median gross rent$622 per month
- Median owner-occupied home value$157,100
- Home value to household income3.0 times
- Annual rent as a share of median income14.1 percent
- Adults 25 and over with a bachelor degree or higher14.7 percent
- Adults 25 and over with a graduate degree4.5 percent
- Adults 25 and over6,957
- Population under 182,038
- Share under 1821.3 percent
- Population 65 and over2,457
- Share 65 and over25.6 percent
- Working age population, 18 to 645,092
- Civilian labor force4,113
- Unemployment rate3.3 percent
- Labor force participation, adults 18 and over54.5 percent
- Rank by population among Missouri counties88th of 115
- Rank by population among US county-equivalents2519th
St. Clair County is the 88th largest of 115 Missouri counties by population. A median home costs 3.0 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 25.6 percent against 21.3 percent, which points demand at health care, services and single storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
St. Clair County
Is St. Clair County growing
- Population change since the 2020 census base6.10 percent
- Census 2020 base population9,282
- Births, 2024117
- Deaths, 2024144
- Natural change, 2024-27
- Net domestic migration, 2024126
- Net international migration, 20248
- Total net migration, 2024134
- Cumulative net domestic migration, 2021 to 2024627
- Rank by growth among US county-equivalents396th
The county has grown 6.10 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.
St. Clair County
Where people moving to St. Clair County come from
- Tax returns filed by households arriving282
- People arriving, from those returns542
- Adjusted gross income arriving$12.3 m
- Net adjusted gross income movement$0
- Average income of an arriving household$43,752
- Largest single originSt. Clair County Non-migrants (3,068 households)
- Largest single destination (3,068 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| St. Clair County Non-migrants | 3,068 | 6,638 | $153.4 m |
| Other flows - Same State | 125 | 239 | $5.2 m |
| Henry County | 49 | 94 | $2.3 m |
| Other flows - Different State | 33 | 68 | $1.8 m |
| Other flows - Midwest | 33 | 68 | $1.8 m |
| Jackson County | 32 | 67 | $1.6 m |
| Greene County | 23 | 37 | $834,000 |
| Cedar County | 20 | 37 | $616,000 |
The largest single source of arrivals is St. Clair 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.
St. Clair County
What the St. Clair County economy runs on
- County GDP, 2024$257.2 m
- County GDP, 2023$265.2 m
- GDP change, 2023 to 2024-3.0 percent
- GDP change over five years51.8 percent
- Rank by GDP among Missouri counties99th
- Rank by GDP among US county-equivalents2792nd
- GDP per resident$26,832
Output grew -3.0 percent in the latest year and 51.8 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.
St. Clair County
Who employs people in St. Clair County
- Covered employment, annual average1,710
- Establishments reporting239
- Average annual pay$39,737
- Average weekly wage$764
- Sector 62, employment399
- Sector 62, average annual pay$35,261
- Sector 44-45, employment315
- Sector 44-45, average annual pay$31,478
- Sector 72, employment99
- Sector 72, average annual pay$19,898
- Sector 48-49, employment79
- Sector 48-49, average annual pay$62,112
- Sector 52, employment62
- Sector 31-33, employment61
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 399 | 77 | $35,261 |
| Sector 44-45 | 315 | 36 | $31,478 |
| Sector 72 | 99 | 11 | $19,898 |
| Sector 48-49 | 79 | 6 | $62,112 |
| Sector 52 | 62 | 10 | $50,553 |
| Sector 31-33 | 61 | 10 | $65,028 |
| Sector 54 | 50 | 10 | $60,210 |
| Sector 56 | 14 | 4 | $28,806 |
The largest sector is the biggest private employer group at 399 jobs, 23.3 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.
St. Clair County
What businesses operate in St. Clair County
- Establishments, all industries161
- Employment at those establishments1,222
- Annual payroll$52.9 m
- Establishments per 1,000 residents16.8
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.
St. Clair County
What is being built in St. Clair County
- Housing units authorised by permit, 202412
- Declared construction value permitted$2.0 m
- Single family units authorised12
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$166,667
- Units authorised per 1,000 households2.9
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
St. Clair County
How much SBA lending happens in St. Clair County
- 7(a) approvals recorded12
- 7(a) gross approval dollars$3.3 m
- Average 7(a) approval$277,008
- Median 7(a) approval$100,000
- 10th percentile approval$30,000
- 90th percentile approval$467,000
- Largest single approval$1,689,000
- Jobs reported supported, 7(a)63
- Jobs per approval5.3
- Distinct 7(a) lenders active2
- 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 shorter9
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countAll Other Specialty Trade Contractors (2)
- Most active lenderSt. Clair County State Bank (11)
- 504 approvals recorded1
- 504 gross approval dollars$646,000
- Average 504 approval$646,000
- Median 504 approval$646,000
- Distinct CDCs active1
- 504 jobs per approval0.0
- 504 jobs per million dollars approved0.0
- Most active CDCRural Missouri, Inc. (1)
- 7(a) share of SBA approvals92.3 percent
- Combined SBA approval dollars$4.0 m
The average approval of $277,008 sits well above the median of $100,000, 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 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.
St. Clair County
Do SBA loans in St. Clair County get paid back
- Loans with a final outcome recorded6
- Paid in full6
- Charged off0
- Status: Paid in full6
- Status: Exempt from disclosure6
Too few loans have reached a final outcome to publish a charge off rate. only 6 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.
St. Clair County
Which parts of St. Clair County get the lending
- Places in the county with recorded lending4
- Osceola, approvals6
- COLLINS, approvals4
- LOWRY CITY, approvals1
- APPLETON CITY, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Osceola | 6 | $2,272,500 |
| COLLINS | 4 | $699,600 |
| LOWRY CITY | 1 | $345,000 |
| APPLETON CITY | 1 | $7,000 |
Osceola accounts for 6 approvals against 4 in COLLINS. 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.
St. Clair County
How big is St. Clair County
- Land area670 sq mi
- Rank by land area among Missouri counties38th of 115
- Width, east to west30.6 mi
- Height, north to south26.7 mi
- Geographies sharing a boundary7
- Residents per square mile of land14
- Establishments per square mile0.24
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 St. Clair 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 St. Clair County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population9,587
- Households4,071
- Average household size2.35
- Median household income$53,043
- Median age46.1
Common questions
St. Clair County questions, answered from the record.
How many people live in St. Clair County, Missouri?
9,587, in 4,071 households, ranking 88th of 115 Missouri counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is St. Clair County growing?
The population has grown 6.10 percent since the 2020 census base. In 2024 there were 117 births against 144 deaths, with net migration of 134. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in St. Clair County?
$53,043. The median owner-occupied home is valued at $157,100, which is 3.0 times income, and median gross rent is $622 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in St. Clair County?
161 establishments, employing 1,222 people with an annual payroll of $52.9 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 St. Clair County?
Average annual pay is $39,737, or $764 a week, across 1,710 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in St. Clair County?
12 7(a) approvals totalling $3.3 m since FY2020, across 2 lenders, with a median approval of $100,000, plus 1 504 approvals worth $646,000. These are approvals recorded in the release, not loans disbursed.
What is being built in St. Clair County?
12 housing units were authorised by permit in 2024, with a declared construction value of $2.0 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for St. Clair 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 St. Clair County come from?
The largest single origin is St. Clair County Non-migrants, with 3,068 households. Arriving households report an average income of $43,752 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 St. Clair 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 St. Clair 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.