Gray County, Kansas: commercial real estate data.
Gray County, Kansas had an estimated 5,730 residents on July 1, 2024, up 1.5 percent since the 2020 census base of 5,648, across 869 square miles. County output reached $997.5 m in 2024, 228 establishments operate here, and the SBA record carries 5 7(a) approvals worth $1.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Gray County
How many people live in Gray County
- Population, American Community Survey 2020-20245,701
- Households2,136
- Average household size2.67
- Median household income$79,122
- Median age37.9
- Median gross rent$808 per month
- Median owner-occupied home value$206,000
- Home value to household income2.6 times
- Annual rent as a share of median income12.3 percent
- Adults 25 and over with a bachelor degree or higher25.9 percent
- Adults 25 and over with a graduate degree4.3 percent
- Adults 25 and over3,580
- Population under 181,625
- Share under 1828.5 percent
- Population 65 and over960
- Share 65 and over16.8 percent
- Working age population, 18 to 643,116
- Civilian labor force2,941
- Unemployment rate2.7 percent
- Labor force participation, adults 18 and over72.2 percent
- Rank by population among Kansas counties61st of 105
- Rank by population among US county-equivalents, Puerto Rico included2836th of 3,222
Gray County is the 61st largest of 105 Kansas counties by population. A median home costs 2.6 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 28.5 percent against 16.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Gray County
Is Gray County's population growing?
- Population, July 1, 20245,730
- Census 2020 base population5,648
- Population change since the 2020 census base1.45 percent
- Population change, 2023 to 2024-35
- Births, 202482
- Deaths, 202451
- Natural change, 202431
- Net domestic migration, 2024-93
- Net international migration, 202427
- Total net migration, 2024-66
- Cumulative net domestic migration, 2021 to 2024-68
- Rank by growth among US county-equivalents1350th of 3,144
The county has grown 1.45 percent since the 2020 census base. More people left than moved in during 2024 and births over deaths did not make up the difference, so the population fell.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Gray County
Where are people moving to Gray County from?
- Tax returns filed by households arriving121
- People arriving, from those returns245
- Tax returns filed by households leaving122
- Net household movement-1
- Adjusted gross income arriving$6.7 m
- Net adjusted gross income movement$-1.6 m
- Average income of an arriving household$55,777
- Average income of a leaving household$68,418
- Largest single originFord County (29 households)
- Largest single destinationFord County (21 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Ford County | 29 | 55 | $1.3 m |
| Finney County | 20 | 47 | $1.2 m |
Households arriving report $12,641 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Ford County, 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.
Gray County
What is the Gray County economy?
- County GDP, 2024$997.5 m
- County GDP, 2023$863.1 m
- GDP change, 2023 to 202415.6 percent
- GDP change over five years64.0 percent
- Rank by GDP among the Kansas areas BEA publishes28th of 105
- Rank by GDP among the US county areas BEA publishes1845th of 3,127
- GDP per resident$174,964
Output grew 15.6 percent in the latest year and 64.0 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.
Gray County
Employment by industry in Gray County
- Covered employment, annual average3,046
- Establishments reporting310
- Average annual pay$51,985
- Average weekly wage$1,000
- Agriculture, forestry, fishing and hunting, employment630
- Agriculture, forestry, fishing and hunting, average annual pay$55,536
- Construction, employment264
- Construction, average annual pay$80,029
- Wholesale trade, employment252
- Wholesale trade, average annual pay$67,976
- Retail trade, employment200
- Retail trade, average annual pay$39,824
- Health care and social assistance, employment185
- Professional, scientific and technical services, employment152
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Agriculture, forestry, fishing and hunting | 630 | 60 | $55,536 |
| Construction | 264 | 31 | $80,029 |
| Wholesale trade | 252 | 36 | $67,976 |
| Retail trade | 200 | 27 | $39,824 |
| Health care and social assistance | 185 | 11 | $29,892 |
| Professional, scientific and technical services | 152 | 24 | $90,205 |
| Manufacturing | 101 | 10 | $49,316 |
Agriculture, forestry, fishing and hunting is the largest private sector at 630 jobs, 20.7 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Gray County
How many businesses are in Gray County?
- Establishments, all industries228
- Employment at those establishments1,592
- Annual payroll$81.6 m
- Establishments per 1,000 residents40.0
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. 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.
Gray County
Building permits in Gray County
- Housing units authorized by permit, 202410
- Declared construction value permitted$3.2 m
- Single family units authorized10
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$315,103
- Units authorized per 1,000 households4.7
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Gray County
SBA loans in Gray County (7(a) and 504)
- 7(a) approvals recorded5
- 7(a) gross approval dollars$1.8 m
- Average 7(a) approval$351,100
- Median 7(a) approval$100,000
- Largest single approval$1,000,000
- Jobs reported supported, 7(a)39
- Jobs per approval7.8
- Distinct 7(a) lenders active3
- Distinct industries receiving approvals3
- 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 shorter5
- Franchise loans0
- Franchise share of approvals0.0 percent
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Gray County
SBA loan default and charge-off rates in Gray County
Do SBA loans in Gray County get paid back?
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Exempt from disclosure2
- Status: Cancelled2
Only 1 loan has 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.
Gray County
How large is Gray County?
- Land area869 sq mi
- Rank by land area among Kansas counties39th of 105
- Width, east to west24.6 mi
- Height, north to south36.4 mi
- Geographies sharing a boundary5
- Residents per square mile of land7
- Establishments per square mile0.26
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.
Gray County
Flood risk in Gray County
- Communities in the county in the NFIP Community Status Book5
- Of those, participating in the NFIP3
- NFIP participation rate60.0 percent
- Communities carrying a CRS class0
- Radon levels in Gray County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The EPA places Gray 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. 60.0 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 Gray 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 Gray County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-20245,701
- Households2,136
- Average household size2.67
- Median household income$79,122
- Median age37.9
Common questions
Gray County questions, answered from the record.
How many people live in Gray County, Kansas?
The Census Bureau estimates 5,730 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 5,701, in 2,136 households, ranking 61st of 105 Kansas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Gray County's population growing?
The population has grown 1.45 percent since the 2020 census base of 5,648, to 5,730 on July 1, 2024. In 2024 there were 82 births against 51 deaths, with net migration of -66. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Gray County?
$79,122. The median owner-occupied home is valued at $206,000, which is 2.6 times income, and median gross rent is $808 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Gray County?
228 establishments, employing 1,592 people with an annual payroll of $81.6 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 Gray County?
Agriculture, forestry, fishing and hunting is the largest private sector at 630 jobs, 20.7 percent of covered employment. Covered employment averages 3,046 jobs at an average annual pay of $51,985, or $1,000 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Gray County?
5 7(a) approvals totaling $1.8 m since FY2020, across 3 lenders, with a median approval of $100,000. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Gray County?
10 housing units were authorized by permit in 2024, with a declared construction value of $3.2 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Gray 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 Gray County come from?
The largest single origin is Ford County, with 29 households. Arriving households report an average income of $55,777 against $68,418 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Gray 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 Gray 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.
Gray County
Cities and places in Gray.
5 Census places lie wholly or partly in Gray County. All 5 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 |
|---|---|---|---|---|
| Cimarron | city | 1,949 | 5 | Wholly in this county |
| Montezuma | city | 864 | None recorded | Wholly in this county |
| Copeland | city | 365 | None recorded | Wholly in this county |
| Ingalls | city | 315 | None recorded | Wholly in this county |
| Ensign | city | 125 | None recorded | Wholly in this county |
Nearby