Graham County, Kansas: commercial real estate data.
Graham County, Kansas had an estimated 2,370 residents on July 1, 2024, down 1.9 percent since the 2020 census base of 2,415, across 899 square miles. County output reached $185.6 m in 2024, 91 establishments operate here, and the SBA record carries 3 7(a) approvals worth $463,700 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Graham County
How many people live in Graham County
- Population, American Community Survey 2020-20242,389
- Households1,191
- Average household size2.01
- Median household income$50,650
- Median age46.0
- Median gross rent$734 per month
- Median owner-occupied home value$89,900
- Home value to household income1.8 times
- Annual rent as a share of median income17.4 percent
- Adults 25 and over with a bachelor degree or higher26.9 percent
- Adults 25 and over with a graduate degree9.3 percent
- Adults 25 and over1,708
- Population under 18496
- Share under 1820.8 percent
- Population 65 and over646
- Share 65 and over27.0 percent
- Working age population, 18 to 641,247
- Civilian labor force1,196
- Unemployment rate5.0 percent
- Labor force participation, adults 18 and over63.2 percent
- Rank by population among Kansas counties97th of 105
- Rank by population among US county-equivalents, Puerto Rico included3082nd of 3,222
Graham County is the 97th largest of 105 Kansas counties by population. A median home costs 1.8 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 27.0 percent against 20.8 percent, which points demand at health care, services and single story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Graham County
Is Graham County's population growing?
- Population, July 1, 20242,370
- Census 2020 base population2,415
- Population change since the 2020 census base-1.86 percent
- Population change, 2023 to 2024-1
- Births, 202426
- Deaths, 202431
- Natural change, 2024-5
- Net domestic migration, 20241
- Net international migration, 20243
- Total net migration, 20244
- Cumulative net domestic migration, 2021 to 202422
- Rank by growth among US county-equivalents2466th of 3,144
The county has lost 1.86 percent of its population since the 2020 census base. Deaths exceeded births in 2024 by more than net migration added, so the population fell even though more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Graham County
Where are people moving to Graham County from?
- Tax returns filed by households arriving34
- People arriving, from those returns53
- Tax returns filed by households leaving36
- Net household movement-2
- Adjusted gross income arriving$1.4 m
- Net adjusted gross income movement$-155,000
- Average income of an arriving household$40,853
- Average income of a leaving household$42,889
| Origin | Households | People | Adjusted gross income |
|---|
Households arriving report $2,036 less average income than households leaving, which drains spending power even where headcount holds up.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Graham County
What is the Graham County economy?
- County GDP, 2024$185.6 m
- County GDP, 2023$227.4 m
- GDP change, 2023 to 2024-18.4 percent
- GDP change over five years43.3 percent
- Rank by GDP among the Kansas areas BEA publishes89th of 105
- Rank by GDP among the US county areas BEA publishes2917th of 3,127
- GDP per resident$77,684
Output grew -18.4 percent in the latest year and 43.3 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.
Graham County
Employment by industry in Graham County
- Covered employment, annual average876
- Establishments reporting113
- Average annual pay$44,969
- Average weekly wage$865
- Mining, quarrying, and oil and gas extraction, employment106
- Mining, quarrying, and oil and gas extraction, average annual pay$60,622
- Health care and social assistance, employment91
- Health care and social assistance, average annual pay$31,120
- Retail trade, employment58
- Retail trade, average annual pay$26,168
- Transportation and warehousing, employment45
- Transportation and warehousing, average annual pay$103,637
- Professional, scientific and technical services, employment30
- Accommodation and food services, employment29
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Mining, quarrying, and oil and gas extraction | 106 | 9 | $60,622 |
| Health care and social assistance | 91 | 5 | $31,120 |
| Retail trade | 58 | 13 | $26,168 |
| Transportation and warehousing | 45 | 5 | $103,637 |
| Professional, scientific and technical services | 30 | 9 | $50,591 |
| Accommodation and food services | 29 | 4 | $15,596 |
| Other services, except public administration | 25 | 9 | $38,476 |
| Agriculture, forestry, fishing and hunting | 18 | 7 | $39,977 |
Mining, quarrying, and oil and gas extraction is the largest private sector at 106 jobs, 12.1 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Graham County
How many businesses are in Graham County?
- Establishments, all industries91
- Employment at those establishments588
- Annual payroll$23.1 m
- Establishments per 1,000 residents38.1
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Graham County
Building permits in Graham County
- Housing units authorized by permit, 20240
- Declared construction value permitted$0
- Single family units authorized0
- Multifamily units authorized0
No residential units were authorized by permit in 2024. In a small county this is common and is not by itself a sign of distress, but it does mean there is no recent residential pipeline to read demand from.
US Census Bureau, Building Permits Survey, 2024 annual.
Graham County
SBA loans in Graham County (7(a) and 504)
- 7(a) approvals recorded3
- 7(a) gross approval dollars$463,700
- Average 7(a) approval$154,567
- Median 7(a) approval$103,500
- Largest single approval$349,700
- Jobs reported supported, 7(a)10
- Jobs per approval3.3
- Distinct 7(a) lenders active1
- Distinct industries receiving approvals2
- Median 7(a) term120 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 shorter2
- Franchise loans0
- Franchise share of approvals0.0 percent
- Most active lenderBank of Hays (3)
- 504 approvals recorded1
- 504 gross approval dollars$126,000
- Average 504 approval$126,000
- Median 504 approval$126,000
- Distinct CDCs active1
- 504 jobs per approval21.0
- 504 jobs per million dollars approved166.7
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$589,700
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.
Graham County
SBA loan default and charge-off rates in Graham County
Do SBA loans in Graham County get paid back?
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Paid in full3
Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Graham County
How large is Graham County?
- Land area899 sq mi
- Rank by land area among Kansas counties25th of 105
- Width, east to west30.1 mi
- Height, north to south30.1 mi
- Geographies sharing a boundary6
- Residents per square mile of land3
- Establishments per square mile0.10
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.
Graham County
Flood risk in Graham County
- Communities in the county in the NFIP Community Status Book2
- Of those, participating in the NFIP2
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Graham County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The EPA places Graham County in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Feasibility studies
When a Graham 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 Graham County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-20242,389
- Households1,191
- Average household size2.01
- Median household income$50,650
- Median age46.0
Common questions
Graham County questions, answered from the record.
How many people live in Graham County, Kansas?
The Census Bureau estimates 2,370 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 2,389, in 1,191 households, ranking 97th of 105 Kansas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Graham County's population growing?
The population has fallen 1.86 percent since the 2020 census base of 2,415, to 2,370 on July 1, 2024. In 2024 there were 26 births against 31 deaths, with net migration of 4. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Graham County?
$50,650. The median owner-occupied home is valued at $89,900, which is 1.8 times income, and median gross rent is $734 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Graham County?
91 establishments, employing 588 people with an annual payroll of $23.1 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Graham County?
Mining, quarrying, and oil and gas extraction is the largest private sector at 106 jobs, 12.1 percent of covered employment. Covered employment averages 876 jobs at an average annual pay of $44,969, or $865 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Graham County?
3 7(a) approvals totaling $463,700 since FY2020, across 1 lenders, with a median approval of $103,500, plus 1 504 approvals worth $126,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Graham County?
No residential units were authorized by permit in 2024. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Graham 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.
Are traffic counts available for Graham 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 Graham County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Graham County
Cities and places in Graham.
4 Census places lie wholly or partly in Graham County. All 4 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Hill City | city | 1,511 | 3 | Wholly in this county |
| Bogue | city | 175 | None recorded | Wholly in this county |
| Morland | city | 112 | None recorded | Wholly in this county |
| Nicodemus | CDP | 0 | None recorded | Wholly in this county |
Nearby