Montgomery County, Kansas: commercial real estate data.
Montgomery County, Kansas had an estimated 30,459 residents on July 1, 2024, down 3.3 percent since the 2020 census base of 31,486, across 644 square miles. County output reached $3.00 bn in 2024, 705 establishments operate here, and the SBA record carries 19 7(a) approvals worth $7.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Montgomery County
How many people live in Montgomery County
- Population, American Community Survey 2020-202430,940
- Households12,880
- Average household size2.40
- Median household income$55,697
- Median age41.2
- Median gross rent$761 per month
- Median owner-occupied home value$101,700
- Home value to household income1.8 times
- Annual rent as a share of median income16.4 percent
- Adults 25 and over with a bachelor degree or higher22.6 percent
- Adults 25 and over with a graduate degree8.4 percent
- Adults 25 and over20,829
- Population under 187,318
- Share under 1823.7 percent
- Population 65 and over6,283
- Share 65 and over20.3 percent
- Working age population, 18 to 6417,339
- Civilian labor force14,033
- Unemployment rate4.4 percent
- Labor force participation, adults 18 and over59.4 percent
- Rank by population among Kansas counties19th of 105
- Rank by population among US county-equivalents, Puerto Rico included1453rd of 3,222
Montgomery County is the 19th largest of 105 Kansas counties by population. A median home costs 1.8 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 23.7 percent against 20.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Montgomery County
Is Montgomery County's population growing?
- Population, July 1, 202430,459
- Census 2020 base population31,486
- Population change since the 2020 census base-3.26 percent
- Population change, 2023 to 2024-297
- Births, 2024313
- Deaths, 2024464
- Natural change, 2024-151
- Net domestic migration, 2024-232
- Net international migration, 202487
- Total net migration, 2024-145
- Cumulative net domestic migration, 2021 to 2024-471
- Rank by growth among US county-equivalents2783rd of 3,144
The county has lost 3.26 percent of its population since the 2020 census base. The population fell in 2024 from both sources: deaths exceeded births and more people left than moved in.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Montgomery County
Where are people moving to Montgomery County from?
- Tax returns filed by households arriving637
- People arriving, from those returns1,218
- Tax returns filed by households leaving693
- Net household movement-56
- Adjusted gross income arriving$28.9 m
- Net adjusted gross income movement$-4.2 m
- Average income of an arriving household$45,378
- Average income of a leaving household$47,752
- Largest single originWilson County (44 households)
- Largest single destinationWashington County (61 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Wilson County | 44 | 99 | $1.6 m |
| Washington County | 41 | 90 | $1.6 m |
| Nowata County | 35 | 67 | $1.7 m |
| Labette County | 32 | 55 | $1.5 m |
| Sedgwick County | 26 | 43 | $1.4 m |
| Tulsa County | 24 | 36 | $978,000 |
| Crawford County | 20 | 40 | $467,000 |
Households arriving report $2,374 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Wilson 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.
Montgomery County
What is the Montgomery County economy?
- County GDP, 2024$3.00 bn
- County GDP, 2023$3.20 bn
- GDP change, 2023 to 2024-6.3 percent
- GDP change over five years69.9 percent
- Rank by GDP among the Kansas areas BEA publishes14th of 105
- Rank by GDP among the US county areas BEA publishes980th of 3,127
- GDP per resident$96,853
Output grew -6.3 percent in the latest year and 69.9 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.
Montgomery County
Employment by industry in Montgomery County
- Covered employment, annual average14,716
- Establishments reporting2,228
- Average annual pay$46,284
- Average weekly wage$890
- Manufacturing, employment2,906
- Manufacturing, average annual pay$74,304
- Retail trade, employment1,394
- Retail trade, average annual pay$32,271
- Accommodation and food services, employment998
- Accommodation and food services, average annual pay$17,545
- Construction, employment705
- Construction, average annual pay$72,055
- Administrative and support and waste management services, employment651
- Wholesale trade, employment481
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 2,906 | 53 | $74,304 |
| Retail trade | 1,394 | 105 | $32,271 |
| Accommodation and food services | 998 | 74 | $17,545 |
| Construction | 705 | 73 | $72,055 |
| Administrative and support and waste management services | 651 | 58 | $42,617 |
| Wholesale trade | 481 | 52 | $67,300 |
| Other services, except public administration | 357 | 48 | $46,082 |
| Transportation and warehousing | 288 | 31 | $57,664 |
Manufacturing is the largest private sector at 2,906 jobs, 19.7 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Montgomery County
How many businesses are in Montgomery County?
- Establishments, all industries705
- Employment at those establishments12,042
- Annual payroll$563.1 m
- Establishments per 1,000 residents22.8
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.
Montgomery County
Building permits in Montgomery County
- Housing units authorized by permit, 20245
- Declared construction value permitted$625,000
- Single family units authorized5
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$125,000
- Units authorized per 1,000 households0.4
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.
Montgomery County
SBA loans in Montgomery County (7(a) and 504)
- 7(a) approvals recorded19
- 7(a) gross approval dollars$7.9 m
- Average 7(a) approval$414,021
- Median 7(a) approval$240,000
- Largest single approval$1,510,000
- Jobs reported supported, 7(a)181
- Jobs per approval9.5
- Distinct 7(a) lenders active12
- Distinct industries receiving approvals13
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer21.1 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter10
- Franchise loans5
- Franchise share of approvals26.3 percent
- Leading industry by approval countSawmills (4)
- 504 approvals recorded1
- 504 gross approval dollars$577,000
- Average 504 approval$577,000
- Median 504 approval$577,000
- Distinct CDCs active1
- 504 jobs per approval6.0
- 504 jobs per million dollars approved10.4
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$8.4 m
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.
Montgomery County
SBA loan default and charge-off rates in Montgomery County
Do SBA loans in Montgomery County get paid back?
- Loans with a final outcome recorded7
- Paid in full7
- Charged off0
- Status: Paid in full7
- Status: Exempt from disclosure9
- Status: Cancelled3
Only 7 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.
Montgomery County
SBA lending by place in Montgomery County
- Borrower cities with recorded lending3
- Independence, approvals11
- Coffeyville, approvals6
- Caney, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Independence | 11 | $6,524,500 |
| Coffeyville | 6 | $1,146,100 |
| Caney | 2 | $195,800 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Montgomery County
How large is Montgomery County?
- Land area644 sq mi
- Rank by land area among Kansas counties76th of 105
- Width, east to west24.7 mi
- Height, north to south26.8 mi
- Geographies sharing a boundary7
- Residents per square mile of land48
- Establishments per square mile1.09
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.
Montgomery County
Flood risk in Montgomery County
- Participation of the county's own NFIP community Montgomery County, unincorporated areasParticipating, community 200595
- Communities in the county in the NFIP Community Status Book10
- Of those, participating in the NFIP7
- NFIP participation rate70.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 7
- Communities carrying a CRS class2
- Radon levels in Montgomery County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The county's own community in the status book, unincorporated Montgomery County (community 200595), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Montgomery County in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. The best Community Rating System class among the county's communities is 7, which carries a flood insurance premium discount for policies written in that community. 70.0 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 Montgomery 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 Montgomery County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202430,940
- Households12,880
- Average household size2.40
- Median household income$55,697
- Median age41.2
Common questions
Montgomery County questions, answered from the record.
How many people live in Montgomery County, Kansas?
The Census Bureau estimates 30,459 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 30,940, in 12,880 households, ranking 19th of 105 Kansas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Montgomery County's population growing?
The population has fallen 3.26 percent since the 2020 census base of 31,486, to 30,459 on July 1, 2024. In 2024 there were 313 births against 464 deaths, with net migration of -145. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Montgomery County?
$55,697. The median owner-occupied home is valued at $101,700, which is 1.8 times income, and median gross rent is $761 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Montgomery County?
705 establishments, employing 12,042 people with an annual payroll of $563.1 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 Montgomery County?
Manufacturing is the largest private sector at 2,906 jobs, 19.7 percent of covered employment. Covered employment averages 14,716 jobs at an average annual pay of $46,284, or $890 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Montgomery County?
19 7(a) approvals totaling $7.9 m since FY2020, across 12 lenders, with a median approval of $240,000, plus 1 504 approvals worth $577,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Montgomery County?
5 housing units were authorized by permit in 2024, with a declared construction value of $625,000. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Montgomery 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 Montgomery County come from?
The largest single origin is Wilson County, with 44 households. Arriving households report an average income of $45,378 against $47,752 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Montgomery 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 Montgomery 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.
Montgomery County
Cities and places in Montgomery.
11 Census places lie wholly or partly in Montgomery County. All 11 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 |
|---|---|---|---|---|
| Coffeyville | city | 8,662 | 6 | Wholly in this county |
| Independence | city | 8,422 | 11 | Wholly in this county |
| Cherryvale | city | 2,096 | None recorded | Wholly in this county |
| Caney | city | 1,431 | 2 | Wholly in this county |
| Dearing | city | 279 | None recorded | Wholly in this county |
| Elk City | city | 245 | None recorded | Wholly in this county |
| Tyro | city | 192 | None recorded | Wholly in this county |
| Liberty | city | 110 | None recorded | Wholly in this county |
| Havana | city | 55 | None recorded | Wholly in this county |
| Sycamore | CDP | 24 | None recorded | Wholly in this county |
| Wayside | CDP | 0 | None recorded | Wholly in this county |