Stone County, Missouri: commercial real estate data.
Stone County, Missouri has a population of 32,048 across 464 square miles, up 5.0 percent since the 2020 census base. County output reached $1.13 bn in 2024, 736 establishments operate here, and the SBA record carries 39 7(a) approvals worth $15.9 m.
121 sourced county values · tier FULL · 11 sections
Stone County
How many people live in Stone County
- Population32,048
- Households13,530
- Average household size2.37
- Median household income$63,520
- Median age54.6
- Median gross rent$896 per month
- Median owner-occupied home value$249,000
- Home value to household income3.9 times
- Annual rent as a share of median income16.9 percent
- Adults 25 and over with a bachelor degree or higher24.8 percent
- Adults 25 and over with a graduate degree8.0 percent
- Adults 25 and over24,971
- Population under 185,360
- Share under 1816.7 percent
- Population 65 and over10,255
- Share 65 and over32.0 percent
- Working age population, 18 to 6416,433
- Civilian labor force13,607
- Unemployment rate7.1 percent
- Labor force participation, adults 18 and over51.0 percent
- Rank by population among Missouri counties37th of 115
- Rank by population among US county-equivalents1422nd
Stone County is the 37th largest of 115 Missouri counties by population. A median home costs 3.9 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 32.0 percent against 16.7 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.
Stone County
Is Stone County growing
- Population change since the 2020 census base5.01 percent
- Census 2020 base population31,072
- Births, 2024269
- Deaths, 2024435
- Natural change, 2024-166
- Net domestic migration, 202485
- Net international migration, 202430
- Total net migration, 2024115
- Cumulative net domestic migration, 2021 to 20242,118
- Rank by growth among US county-equivalents530th
The county has grown 5.01 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.
Stone County
Where people moving to Stone County come from
- Tax returns filed by households arriving1,363
- People arriving, from those returns2,763
- Adjusted gross income arriving$106.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$78,139
- Largest single originStone County Non-migrants (11,507 households)
- Largest single destination (11,507 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Stone County Non-migrants | 11,507 | 23,135 | $804.7 m |
| Other flows - Different State | 561 | 1,114 | $48.5 m |
| Other flows - South | 208 | 435 | $14.4 m |
| Other flows - West | 201 | 403 | $19.8 m |
| Greene County | 182 | 318 | $11.4 m |
| Taney County | 181 | 363 | $8.7 m |
| Other flows - Same State | 161 | 343 | $15.7 m |
| Other flows - Midwest | 152 | 276 | $14.2 m |
The largest single source of arrivals is Stone 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.
Stone County
What the Stone County economy runs on
- County GDP, 2024$1.13 bn
- County GDP, 2023$1.08 bn
- GDP change, 2023 to 20244.7 percent
- GDP change over five years53.4 percent
- Rank by GDP among Missouri counties46th
- Rank by GDP among US county-equivalents1744th
- GDP per resident$35,313
Output grew 4.7 percent in the latest year and 53.4 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.
Stone County
Who employs people in Stone County
- Covered employment, annual average7,300
- Establishments reporting851
- Average annual pay$38,944
- Average weekly wage$749
- Sector 71, employment1,473
- Sector 71, average annual pay$34,476
- Sector 44-45, employment1,139
- Sector 44-45, average annual pay$34,783
- Sector 72, employment1,054
- Sector 72, average annual pay$28,771
- Sector 23, employment633
- Sector 23, average annual pay$50,354
- Sector 56, employment456
- Sector 81, employment270
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 71 | 1,473 | 24 | $34,476 |
| Sector 44-45 | 1,139 | 112 | $34,783 |
| Sector 72 | 1,054 | 104 | $28,771 |
| Sector 23 | 633 | 135 | $50,354 |
| Sector 56 | 456 | 44 | $37,281 |
| Sector 81 | 270 | 50 | $34,711 |
| Sector 31-33 | 145 | 24 | $44,810 |
| Sector 52 | 135 | 34 | $49,157 |
The largest sector is the biggest private employer group at 1,473 jobs, 20.2 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.
Stone County
What businesses operate in Stone County
- Establishments, all industries736
- Employment at those establishments5,681
- Annual payroll$206.6 m
- Establishments per 1,000 residents23.0
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.
Stone County
What is being built in Stone County
- Housing units authorised by permit, 2024195
- Declared construction value permitted$76.8 m
- Single family units authorised191
- Multifamily units authorised4
- Multifamily share of units2.1 percent
- Average declared value per unit$393,944
- Units authorised per 1,000 households14.4
Multifamily is 2.1 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Stone County
How much SBA lending happens in Stone County
- 7(a) approvals recorded39
- 7(a) gross approval dollars$15.9 m
- Average 7(a) approval$408,426
- Median 7(a) approval$200,000
- 10th percentile approval$20,000
- 90th percentile approval$1,126,500
- Largest single approval$2,790,000
- Jobs reported supported, 7(a)274
- Jobs per approval7.0
- Distinct 7(a) lenders active17
- Distinct industries receiving approvals30
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer25.6 percent
- Loans on real estate terms10
- Loans on working capital terms, 120 months or shorter23
- Franchise loans5
- Franchise share of approvals12.8 percent
- Leading industry by approval countAll Other Specialty Trade Contractors (5)
- Most active lenderBranson Bank (8)
- 504 approvals recorded14
- 504 gross approval dollars$12.5 m
- Average 504 approval$892,571
- Median 504 approval$547,000
- Distinct CDCs active1
- 504 jobs per approval2.4
- 504 jobs per million dollars approved2.6
- Most active CDCRural Missouri, Inc. (14)
- 7(a) share of SBA approvals73.6 percent
- Combined SBA approval dollars$28.4 m
The average approval of $408,426 sits well above the median of $200,000, 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 25.6 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.
Stone County
Do SBA loans in Stone County get paid back
- Loans with a final outcome recorded10
- Paid in full10
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Paid in full10
- Status: Exempt from disclosure25
- Status: Cancelled4
Of the 10 loans that have reached a final outcome, 0.0 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.
Stone County
Which parts of Stone County get the lending
- Places in the county with recorded lending9
- Reeds Spring, approvals8
- Kimberling City, approvals6
- Lampe, approvals5
- Branson West, approvals5
- Blue Eye, approvals4
- Branson, approvals4
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Reeds Spring | 8 | $3,631,100 |
| Kimberling City | 6 | $3,855,000 |
| Lampe | 5 | $1,531,700 |
| Branson West | 5 | $1,720,800 |
| Blue Eye | 4 | $574,500 |
| Branson | 4 | $1,365,600 |
| CRANE | 3 | $1,719,000 |
| GALENA | 2 | $1,236,900 |
Reeds Spring accounts for 8 approvals against 6 in Kimberling City. 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.
Stone County
How big is Stone County
- Land area464 sq mi
- Rank by land area among Missouri counties93rd of 115
- Width, east to west17 mi
- Height, north to south34.3 mi
- Geographies sharing a boundary4
- Residents per square mile of land69
- Establishments per square mile1.59
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 Stone 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 Stone County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population32,048
- Households13,530
- Average household size2.37
- Median household income$63,520
- Median age54.6
Common questions
Stone County questions, answered from the record.
How many people live in Stone County, Missouri?
32,048, in 13,530 households, ranking 37th of 115 Missouri counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Stone County growing?
The population has grown 5.01 percent since the 2020 census base. In 2024 there were 269 births against 435 deaths, with net migration of 115. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Stone County?
$63,520. The median owner-occupied home is valued at $249,000, which is 3.9 times income, and median gross rent is $896 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Stone County?
736 establishments, employing 5,681 people with an annual payroll of $206.6 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 Stone County?
Average annual pay is $38,944, or $749 a week, across 7,300 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Stone County?
39 7(a) approvals totalling $15.9 m since FY2020, across 17 lenders, with a median approval of $200,000, plus 14 504 approvals worth $12.5 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Stone County get paid back?
Of the 10 loans that have reached a final outcome, 10 were paid in full and 0 charged off, a charge off rate of 0.0 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Stone County?
195 housing units were authorised by permit in 2024, with a declared construction value of $76.8 m. Multifamily was 2.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Stone 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 Stone County come from?
The largest single origin is Stone County Non-migrants, with 11,507 households. Arriving households report an average income of $78,139 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 Stone 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 Stone 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.