HomeWest VirginiaMonongalia County
Monongalia County, West Virginia: commercial real estate data.
Monongalia County, West Virginia has a population of 107,163 across 360 square miles, up 2.7 percent since the 2020 census base. County output reached $9.41 bn in 2024, 2,481 establishments operate here, and the SBA record carries 188 7(a) approvals worth $54.2 m.
121 sourced county values · tier FULL · 11 sections
Monongalia County
How many people live in Monongalia County
- Population107,163
- Households44,629
- Average household size2.40
- Median household income$65,346
- Median age32.7
- Median gross rent$987 per month
- Median owner-occupied home value$267,700
- Home value to household income4.1 times
- Annual rent as a share of median income18.1 percent
- Adults 25 and over with a bachelor degree or higher48.9 percent
- Adults 25 and over with a graduate degree26.7 percent
- Adults 25 and over66,507
- Population under 1817,265
- Share under 1816.1 percent
- Population 65 and over14,370
- Share 65 and over13.4 percent
- Working age population, 18 to 6475,528
- Civilian labor force58,335
- Unemployment rate4.7 percent
- Labor force participation, adults 18 and over64.9 percent
- Rank by population among West Virginia counties3rd of 55
- Rank by population among US county-equivalents584th
Monongalia County is the 3rd largest of 55 West Virginia counties by population. A median home costs 4.1 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 16.1 percent against 13.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Monongalia County
Is Monongalia County growing
- Population change since the 2020 census base2.72 percent
- Census 2020 base population105,823
- Births, 2024943
- Deaths, 2024845
- Natural change, 202498
- Net domestic migration, 202464
- Net international migration, 2024782
- Total net migration, 2024846
- Cumulative net domestic migration, 2021 to 202470
- Rank by growth among US county-equivalents946th
The county has grown 2.72 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Monongalia County
Where people moving to Monongalia County come from
- Tax returns filed by households arriving3,066
- People arriving, from those returns4,748
- Adjusted gross income arriving$191.4 m
- Net adjusted gross income movement$0
- Average income of an arriving household$62,420
- Largest single originMonongalia County Non-migrants (33,829 households)
- Largest single destination (33,829 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Monongalia County Non-migrants | 33,829 | 64,775 | $3.13 bn |
| Other flows - Different State | 1,479 | 2,392 | $111.4 m |
| Other flows - South | 696 | 1,167 | $55.5 m |
| Other flows - Northeast | 296 | 429 | $22.2 m |
| Other flows - Midwest | 282 | 457 | $16.4 m |
| Other flows - Same State | 240 | 322 | $9.4 m |
| Marion County | 229 | 381 | $10.2 m |
| Other flows - West | 205 | 339 | $17.4 m |
The largest single source of arrivals is Monongalia 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.
Monongalia County
What the Monongalia County economy runs on
- County GDP, 2024$9.41 bn
- County GDP, 2023$9.02 bn
- GDP change, 2023 to 20244.3 percent
- GDP change over five years30.3 percent
- Rank by GDP among West Virginia counties2nd
- Rank by GDP among US county-equivalents464th
- GDP per resident$87,819
Output grew 4.3 percent in the latest year and 30.3 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.
Monongalia County
Who employs people in Monongalia County
- Covered employment, annual average59,412
- Establishments reporting4,162
- Average annual pay$65,814
- Average weekly wage$1,266
- Sector 62, employment17,315
- Sector 62, average annual pay$80,136
- Sector 72, employment6,032
- Sector 72, average annual pay$23,117
- Sector 44-45, employment5,956
- Sector 44-45, average annual pay$33,821
- Sector 54, employment3,207
- Sector 54, average annual pay$84,504
- Sector 56, employment3,018
- Sector 23, employment2,267
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 17,315 | 532 | $80,136 |
| Sector 72 | 6,032 | 350 | $23,117 |
| Sector 44-45 | 5,956 | 433 | $33,821 |
| Sector 54 | 3,207 | 688 | $84,504 |
| Sector 56 | 3,018 | 328 | $52,212 |
| Sector 23 | 2,267 | 328 | $68,403 |
| Sector 81 | 1,705 | 274 | $47,396 |
| Sector 31-33 | 1,490 | 90 | $91,782 |
The largest sector is the biggest private employer group at 17,315 jobs, 29.1 percent of covered employment. Average pay per job exceeds median household income, which usually means single earner households and a wage base that can carry rent.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Monongalia County
What businesses operate in Monongalia County
- Establishments, all industries2,481
- Employment at those establishments50,567
- Annual payroll$2.97 bn
- Establishments per 1,000 residents23.2
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.
Monongalia County
What is being built in Monongalia County
- Housing units authorised by permit, 202415
- Declared construction value permitted$3.0 m
- Single family units authorised15
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$197,929
- Units authorised per 1,000 households0.3
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Monongalia County
How much SBA lending happens in Monongalia County
- 7(a) approvals recorded188
- 7(a) gross approval dollars$54.2 m
- Average 7(a) approval$288,419
- Median 7(a) approval$105,000
- 10th percentile approval$24,700
- 90th percentile approval$700,000
- Largest single approval$4,917,000
- Jobs reported supported, 7(a)1,237
- Jobs per approval6.6
- Distinct 7(a) lenders active17
- Distinct industries receiving approvals88
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer5.9 percent
- Loans on real estate terms11
- Loans on working capital terms, 120 months or shorter164
- Franchise loans15
- Franchise share of approvals8.0 percent
- Leading industry by approval countFull-Service Restaurants (15)
- Most active lenderClear Mountain Bank, Inc. (83)
- 504 approvals recorded5
- 504 gross approval dollars$1.8 m
- Average 504 approval$369,200
- Median 504 approval$438,000
- Distinct CDCs active2
- 504 jobs per approval5.0
- 504 jobs per million dollars approved13.5
- Most active CDCRegional Development Funding Corporation (4)
- 7(a) share of SBA approvals97.4 percent
- Combined SBA approval dollars$56.1 m
The average approval of $288,419 sits well above the median of $105,000, 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 5.9 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.
Monongalia County
Do SBA loans in Monongalia County get paid back
- Loans with a final outcome recorded61
- Paid in full61
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Exempt from disclosure98
- Status: Paid in full61
- Status: Cancelled17
- Status: Committed, not yet disbursed12
Of the 61 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.
Monongalia County
Which parts of Monongalia County get the lending
- Places in the county with recorded lending5
- Morgantown, approvals183
- Granville, approvals2
- MAIDSVILLE, approvals1
- Westover, approvals1
- WANA, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Morgantown | 183 | $53,891,700 |
| Granville | 2 | $75,000 |
| MAIDSVILLE | 1 | $108,000 |
| Westover | 1 | $19,000 |
| WANA | 1 | $129,000 |
Morgantown accounts for 183 approvals against 2 in Granville. 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.
Monongalia County
How big is Monongalia County
- Land area360 sq mi
- Rank by land area among West Virginia counties32nd of 55
- Width, east to west35 mi
- Height, north to south19.7 mi
- Geographies sharing a boundary4
- Residents per square mile of land298
- Establishments per square mile6.89
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 Monongalia 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 Monongalia County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population107,163
- Households44,629
- Average household size2.40
- Median household income$65,346
- Median age32.7
Common questions
Monongalia County questions, answered from the record.
How many people live in Monongalia County, West Virginia?
107,163, in 44,629 households, ranking 3rd of 55 West Virginia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Monongalia County growing?
The population has grown 2.72 percent since the 2020 census base. In 2024 there were 943 births against 845 deaths, with net migration of 846. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Monongalia County?
$65,346. The median owner-occupied home is valued at $267,700, which is 4.1 times income, and median gross rent is $987 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Monongalia County?
2,481 establishments, employing 50,567 people with an annual payroll of $2.97 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Monongalia County?
Average annual pay is $65,814, or $1,266 a week, across 59,412 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Monongalia County?
188 7(a) approvals totalling $54.2 m since FY2020, across 17 lenders, with a median approval of $105,000, plus 5 504 approvals worth $1.8 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Monongalia County get paid back?
Of the 61 loans that have reached a final outcome, 61 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 Monongalia County?
15 housing units were authorised by permit in 2024, with a declared construction value of $3.0 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Monongalia County?
Zone 1, a predicted average indoor radon screening level greater than 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 Monongalia County come from?
The largest single origin is Monongalia County Non-migrants, with 33,829 households. Arriving households report an average income of $62,420 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 Monongalia 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 Monongalia 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.