HomeMissouriSt. Francois County
St. Francois County, Missouri: commercial real estate data.
St. Francois County, Missouri has a population of 66,999 across 452 square miles, up 0.9 percent since the 2020 census base. County output reached $2.45 bn in 2024, 1,438 establishments operate here, and the SBA record carries 50 7(a) approvals worth $24.4 m.
122 sourced county values · tier FULL · 11 sections
St. Francois County
How many people live in St. Francois County
- Population66,999
- Households24,816
- Average household size2.70
- Median household income$57,477
- Median age39.5
- Median gross rent$794 per month
- Median owner-occupied home value$169,300
- Home value to household income2.9 times
- Annual rent as a share of median income16.6 percent
- Adults 25 and over with a bachelor degree or higher17.3 percent
- Adults 25 and over with a graduate degree6.2 percent
- Adults 25 and over47,231
- Population under 1814,011
- Share under 1820.9 percent
- Population 65 and over11,539
- Share 65 and over17.2 percent
- Working age population, 18 to 6441,449
- Civilian labor force28,493
- Unemployment rate4.5 percent
- Labor force participation, adults 18 and over53.8 percent
- Rank by population among Missouri counties17th of 115
- Rank by population among US county-equivalents819th
St. Francois County is the 17th 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 20.9 percent against 17.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
St. Francois County
Is St. Francois County growing
- Population change since the 2020 census base0.87 percent
- Census 2020 base population66,919
- Births, 2024630
- Deaths, 2024845
- Natural change, 2024-215
- Net domestic migration, 2024575
- Net international migration, 202448
- Total net migration, 2024623
- Cumulative net domestic migration, 2021 to 20242,137
- Rank by growth among US county-equivalents1524th
The county has grown 0.87 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. Francois County
Where people moving to St. Francois County come from
- Tax returns filed by households arriving1,588
- People arriving, from those returns2,893
- Adjusted gross income arriving$71.6 m
- Net adjusted gross income movement$0
- Average income of an arriving household$45,071
- Largest single originSt. Francois County Non-migrants (22,035 households)
- Largest single destination (22,035 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| St. Francois County Non-migrants | 22,035 | 45,094 | $1.31 bn |
| Other flows - Different State | 371 | 665 | $19.8 m |
| Jefferson County | 276 | 518 | $13.6 m |
| Other flows - Same State | 247 | 384 | $6.9 m |
| Washington County | 168 | 333 | $6.4 m |
| Other flows - South | 156 | 258 | $7.1 m |
| Other flows - Midwest | 135 | 257 | $8.7 m |
| St. Louis County | 131 | 220 | $5.8 m |
The largest single source of arrivals is St. Francois 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. Francois County
What the St. Francois County economy runs on
- County GDP, 2024$2.45 bn
- County GDP, 2023$2.27 bn
- GDP change, 2023 to 20247.8 percent
- GDP change over five years32.5 percent
- Rank by GDP among Missouri counties23rd
- Rank by GDP among US county-equivalents1113th
- GDP per resident$36,560
Output grew 7.8 percent in the latest year and 32.5 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. Francois County
Who employs people in St. Francois County
- Covered employment, annual average23,026
- Establishments reporting1,862
- Average annual pay$43,743
- Average weekly wage$841
- Sector 62, employment4,157
- Sector 62, average annual pay$45,888
- Sector 44-45, employment3,316
- Sector 44-45, average annual pay$32,228
- Sector 72, employment2,255
- Sector 72, average annual pay$21,233
- Sector 31-33, employment1,575
- Sector 31-33, average annual pay$52,968
- Sector 52, employment1,277
- Sector 23, employment1,158
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 4,157 | 659 | $45,888 |
| Sector 44-45 | 3,316 | 222 | $32,228 |
| Sector 72 | 2,255 | 126 | $21,233 |
| Sector 31-33 | 1,575 | 51 | $52,968 |
| Sector 52 | 1,277 | 98 | $61,101 |
| Sector 23 | 1,158 | 150 | $66,321 |
| Sector 81 | 700 | 101 | $40,525 |
| Sector 42 | 652 | 49 | $44,939 |
The largest sector is the biggest private employer group at 4,157 jobs, 18.1 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. Francois County
What businesses operate in St. Francois County
- Establishments, all industries1,438
- Employment at those establishments17,990
- Annual payroll$714.5 m
- Establishments per 1,000 residents21.5
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. Francois County
What is being built in St. Francois County
- Housing units authorised by permit, 2024149
- Declared construction value permitted$30.6 m
- Single family units authorised85
- Multifamily units authorised64
- Multifamily share of units43.0 percent
- Average declared value per unit$205,066
- Units authorised per 1,000 households6.0
Multifamily is 43.0 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
St. Francois County
How much SBA lending happens in St. Francois County
- 7(a) approvals recorded50
- 7(a) gross approval dollars$24.4 m
- Average 7(a) approval$488,640
- Median 7(a) approval$315,000
- 10th percentile approval$50,000
- 90th percentile approval$1,156,000
- Largest single approval$3,838,900
- Jobs reported supported, 7(a)581
- Jobs per approval11.6
- Distinct 7(a) lenders active20
- Distinct industries receiving approvals39
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer32.0 percent
- Loans on real estate terms16
- Loans on working capital terms, 120 months or shorter30
- Franchise loans4
- Franchise share of approvals8.0 percent
- Leading industry by approval countAll Other Amusement and Recreation Industries (2)
- Most active lenderBelgrade State Bank (15)
- 504 approvals recorded11
- 504 gross approval dollars$5.1 m
- Average 504 approval$463,364
- Median 504 approval$338,000
- Distinct CDCs active4
- 504 jobs per approval5.3
- 504 jobs per million dollars approved11.4
- Most active CDCRural Missouri, Inc. (4)
- 7(a) share of SBA approvals82.0 percent
- Combined SBA approval dollars$29.5 m
The average approval of $488,640 sits well above the median of $315,000, 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. 32.0 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
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. Francois County
Do SBA loans in St. Francois County get paid back
- Loans with a final outcome recorded12
- Paid in full11
- Charged off1
- Charge off rate on resolved loans8.3 percent
- Status: Paid in full11
- Status: Exempt from disclosure31
- Status: Cancelled7
- Status: Charged off1
Of the 12 loans that have reached a final outcome, 8.3 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.
St. Francois County
Which parts of St. Francois County get the lending
- Places in the county with recorded lending7
- Farmington, approvals28
- BONNE TERRE, approvals8
- PARK HILLS, approvals7
- DESLOGE, approvals3
- BISMARCK, approvals2
- SALEM, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Farmington | 28 | $12,206,700 |
| BONNE TERRE | 8 | $1,487,400 |
| PARK HILLS | 7 | $6,860,900 |
| DESLOGE | 3 | $591,000 |
| BISMARCK | 2 | $495,000 |
| SALEM | 1 | $1,156,000 |
| Leadington | 1 | $1,635,000 |
Farmington accounts for 28 approvals against 8 in BONNE TERRE. 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. Francois County
How big is St. Francois County
- Land area452 sq mi
- Rank by land area among Missouri counties96th of 115
- Width, east to west29.4 mi
- Height, north to south30 mi
- Geographies sharing a boundary6
- Residents per square mile of land148
- Establishments per square mile3.18
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. Francois 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. Francois County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population66,999
- Households24,816
- Average household size2.70
- Median household income$57,477
- Median age39.5
Common questions
St. Francois County questions, answered from the record.
How many people live in St. Francois County, Missouri?
66,999, in 24,816 households, ranking 17th of 115 Missouri counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is St. Francois County growing?
The population has grown 0.87 percent since the 2020 census base. In 2024 there were 630 births against 845 deaths, with net migration of 623. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in St. Francois County?
$57,477. The median owner-occupied home is valued at $169,300, which is 2.9 times income, and median gross rent is $794 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in St. Francois County?
1,438 establishments, employing 17,990 people with an annual payroll of $714.5 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 St. Francois County?
Average annual pay is $43,743, or $841 a week, across 23,026 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in St. Francois County?
50 7(a) approvals totalling $24.4 m since FY2020, across 20 lenders, with a median approval of $315,000, plus 11 504 approvals worth $5.1 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in St. Francois County get paid back?
Of the 12 loans that have reached a final outcome, 11 were paid in full and 1 charged off, a charge off rate of 8.3 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in St. Francois County?
149 housing units were authorised by permit in 2024, with a declared construction value of $30.6 m. Multifamily was 43.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for St. Francois 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. Francois County come from?
The largest single origin is St. Francois County Non-migrants, with 22,035 households. Arriving households report an average income of $45,071 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. Francois 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. Francois 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.