Callaway County, Missouri: commercial real estate data.
Callaway County, Missouri had an estimated 45,126 residents on July 1, 2024, up 1.9 percent since the 2020 census base of 44,290, across 835 square miles. County output reached $2.70 bn in 2024, 782 establishments operate here, and the SBA record carries 48 7(a) approvals worth $14.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Callaway County
How many people live in Callaway County
- Population, American Community Survey 2020-202444,741
- Households16,485
- Average household size2.71
- Median household income$74,176
- Median age39.4
- Median gross rent$887 per month
- Median owner-occupied home value$201,600
- Home value to household income2.7 times
- Annual rent as a share of median income14.3 percent
- Adults 25 and over with a bachelor degree or higher24.6 percent
- Adults 25 and over with a graduate degree8.2 percent
- Adults 25 and over31,173
- Population under 189,258
- Share under 1820.7 percent
- Population 65 and over8,018
- Share 65 and over17.9 percent
- Working age population, 18 to 6427,465
- Civilian labor force21,461
- Unemployment rate5.1 percent
- Labor force participation, adults 18 and over60.5 percent
- Rank by population among Missouri counties24th of 115
- Rank by population among US county-equivalents, Puerto Rico included1106th of 3,222
Callaway County is the 24th largest of 115 Missouri counties by population. A median home costs 2.7 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 20.7 percent against 17.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Callaway County
Is Callaway County's population growing?
- Population, July 1, 202445,126
- Census 2020 base population44,290
- Population change since the 2020 census base1.89 percent
- Population change, 2023 to 2024308
- Births, 2024491
- Deaths, 2024496
- Natural change, 2024-5
- Net domestic migration, 2024268
- Net international migration, 202444
- Total net migration, 2024312
- Cumulative net domestic migration, 2021 to 2024831
- Rank by growth among US county-equivalents1207th of 3,144
The county has grown 1.89 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration 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.
Callaway County
Where are people moving to Callaway County from?
- Tax returns filed by households arriving1,224
- People arriving, from those returns2,266
- Tax returns filed by households leaving1,223
- Net household movement1
- Adjusted gross income arriving$60.5 m
- Net adjusted gross income movement$-2.3 m
- Average income of an arriving household$49,414
- Average income of a leaving household$51,336
- Largest single originCole County (301 households)
- Largest single destinationCole County (289 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Cole County | 301 | 541 | $13.7 m |
| Boone County | 256 | 463 | $12.9 m |
| Audrain County | 56 | 129 | $2.4 m |
| St. Charles County | 23 | 40 | $2.3 m |
| St. Louis County | 23 | 39 | $1.0 m |
Households arriving report $1,922 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Cole 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.
Callaway County
What is the Callaway County economy?
- County GDP, 2024$2.70 bn
- County GDP, 2023$2.49 bn
- GDP change, 2023 to 20248.3 percent
- GDP change over five years43.7 percent
- Rank by GDP among the Missouri areas BEA publishes21st of 115
- Rank by GDP among the US county areas BEA publishes1054th of 3,127
- GDP per resident$60,365
Output grew 8.3 percent in the latest year and 43.7 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.
Callaway County
Employment by industry in Callaway County
- Covered employment, annual average14,917
- Establishments reporting936
- Average annual pay$56,776
- Average weekly wage$1,092
- Manufacturing, employment2,365
- Manufacturing, average annual pay$70,262
- Retail trade, employment1,244
- Retail trade, average annual pay$31,979
- Transportation and warehousing, employment956
- Transportation and warehousing, average annual pay$54,973
- Accommodation and food services, employment896
- Accommodation and food services, average annual pay$20,516
- Construction, employment750
- Administrative and support and waste management services, employment434
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 2,365 | 38 | $70,262 |
| Retail trade | 1,244 | 116 | $31,979 |
| Transportation and warehousing | 956 | 22 | $54,973 |
| Accommodation and food services | 896 | 73 | $20,516 |
| Construction | 750 | 114 | $69,112 |
| Administrative and support and waste management services | 434 | 52 | $45,723 |
| Real estate and rental and leasing | 362 | 35 | $56,996 |
| Professional, scientific and technical services | 355 | 46 | $65,692 |
Manufacturing is the largest private sector at 2,365 jobs, 15.9 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Callaway County
How many businesses are in Callaway County?
- Establishments, all industries782
- Employment at those establishments11,703
- Annual payroll$649.5 m
- Establishments per 1,000 residents17.5
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.
Callaway County
Building permits in Callaway County
- Housing units authorized by permit, 202438
- Declared construction value permitted$10.4 m
- Single family units authorized38
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$273,680
- Units authorized per 1,000 households2.3
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.
Callaway County
SBA loans in Callaway County (7(a) and 504)
- 7(a) approvals recorded48
- 7(a) gross approval dollars$14.5 m
- Average 7(a) approval$301,373
- Median 7(a) approval$69,550
- 10th percentile approval$18,920
- 90th percentile approval$625,600
- Largest single approval$3,015,000
- Jobs reported supported, 7(a)276
- Jobs per approval5.8
- Distinct 7(a) lenders active11
- Distinct industries receiving approvals27
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer20.8 percent
- Loans on real estate terms10
- Loans on working capital terms, 120 months or shorter35
- Franchise loans4
- Franchise share of approvals8.3 percent
- Leading industry by approval countGeneral Freight Trucking, Local (4)
- Most active lenderThe Callaway Bank (20)
- 504 approvals recorded15
- 504 gross approval dollars$7.7 m
- Average 504 approval$513,733
- Median 504 approval$243,000
- Distinct CDCs active2
- 504 jobs per approval7.3
- 504 jobs per million dollars approved14.3
- Most active CDCEnterprise Development Corporation (9)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$22.2 m
The average approval of $301,373 sits well above the median of $69,550, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 20.8 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.
Callaway County
SBA loan default and charge-off rates in Callaway County
Do SBA loans in Callaway County get paid back?
- Loans with a final outcome recorded19
- Paid in full18
- Charged off1
- Status: Paid in full18
- Status: Cancelled5
- Status: Exempt from disclosure24
- Status: Charged off1
Only 19 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.
Callaway County
SBA lending by place in Callaway County
- Borrower cities with recorded lending8
- Fulton, approvals33
- Holts Summit, approvals5
- New Bloomfield, approvals4
- Kingdom City, approvals2
- Williamsburg, approvals1
- Steedman, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Fulton | 33 | $9,083,000 |
| Holts Summit | 5 | $2,580,300 |
| New Bloomfield | 4 | $1,076,300 |
| Kingdom City | 2 | $1,406,000 |
| Williamsburg | 1 | $191,700 |
| Steedman | 1 | $60,000 |
| Tebbetts | 1 | $53,600 |
| Auxvasse | 1 | $15,000 |
Fulton accounts for 33 approvals against 5 in Holts Summit. 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.
Callaway County
How large is Callaway County?
- Land area835 sq mi
- Rank by land area among Missouri counties7th of 115
- Width, east to west31.6 mi
- Height, north to south35 mi
- Geographies sharing a boundary5
- Residents per square mile of land54
- Establishments per square mile0.94
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.
Callaway County
Flood risk in Callaway County
- Participation of the county's own NFIP community Callaway County, unincorporated areasParticipating, community 290049
- Communities in the county in the NFIP Community Status Book7
- Of those, participating in the NFIP6
- NFIP participation rate85.7 percent
- Communities carrying a CRS class0
- Radon levels in Callaway 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 Callaway County (community 290049), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Callaway 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. 85.7 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 Callaway 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 Callaway County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202444,741
- Households16,485
- Average household size2.71
- Median household income$74,176
- Median age39.4
Common questions
Callaway County questions, answered from the record.
How many people live in Callaway County, Missouri?
The Census Bureau estimates 45,126 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 44,741, in 16,485 households, ranking 24th of 115 Missouri counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Callaway County's population growing?
The population has grown 1.89 percent since the 2020 census base of 44,290, to 45,126 on July 1, 2024. In 2024 there were 491 births against 496 deaths, with net migration of 312. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Callaway County?
$74,176. The median owner-occupied home is valued at $201,600, which is 2.7 times income, and median gross rent is $887 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Callaway County?
782 establishments, employing 11,703 people with an annual payroll of $649.5 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 Callaway County?
Manufacturing is the largest private sector at 2,365 jobs, 15.9 percent of covered employment. Covered employment averages 14,917 jobs at an average annual pay of $56,776, or $1,092 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Callaway County?
48 7(a) approvals totaling $14.5 m since FY2020, across 11 lenders, with a median approval of $69,550, plus 15 504 approvals worth $7.7 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Callaway County?
38 housing units were authorized by permit in 2024, with a declared construction value of $10.4 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Callaway 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 Callaway County come from?
The largest single origin is Cole County, with 301 households. Arriving households report an average income of $49,414 against $51,336 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Callaway 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 Callaway 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.
Callaway County
Cities and places in Callaway.
8 Census places lie wholly or partly in Callaway County. All 8 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 |
|---|---|---|---|---|
| Jefferson City | city | 42,488 | None recorded | 11.7 percent here, 88.3 percent Cole County |
| Fulton | city | 12,617 | 33 | Wholly in this county |
| Holts Summit | city | 4,609 | 5 | Wholly in this county |
| Auxvasse | city | 1,452 | 1 | Wholly in this county |
| New Bloomfield | city | 876 | 4 | Wholly in this county |
| Tebbetts | CDP | 386 | 1 | Wholly in this county |
| Mokane | city | 257 | None recorded | Wholly in this county |
| Kingdom City | village | 114 | 2 | Wholly in this county |
A further 2 of the county's 48 SBA 7(a) approvals are to borrowers in cities that match no Census place in Callaway County, the largest being Williamsburg (1), Steedman (1). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby