HomeMissouriCape Girardeau CountyCape Girardeau
Cape Girardeau, Missouri: commercial real estate data.
Cape Girardeau is a Census city of 40,344 people across 29.26 square miles of land, lying across Cape Girardeau County and Scott County. Median household income is $55,658, 54.0 percent of occupied homes are owned, and the SBA record carries 30 7(a) approvals to borrowers here worth $10.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Cape Girardeau
What Cape Girardeau is
- Census place typecity
- Land area29.26 sq mi
- Water area0.06 sq mi
- Population per square mile of land1,379
- County holding the largest share of its areaCape Girardeau County, 95.7 percent
- Counties this place lies inCape Girardeau County 95.7 percent, Scott County 4.3 percent
Cape Girardeau crosses a county line. The split above is measured from the Census boundary of the place against the county boundaries, by area, so it says where the ground is and not where the town hall is.
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cape Girardeau
How many people live in Cape Girardeau
- Population40,344
- Median age34.5
- Population under 187,000
- Share under 1817.4 percent
- Population 65 and over7,947
- Share 65 and over19.7 percent
- Households16,364
- Family households8,078
- Share of households that are families49.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cape Girardeau
Income and work in Cape Girardeau
- Median household income$55,658
- Per capita income$32,930
- Civilian labor force21,186
- Employed20,630
- Unemployed556 plus or minus 199
- Unemployment rate2.6 percent plus or minus 0.9
- Adults 25 and over25,015
- Adults 25 and over with a high school diploma or higher91.4 percent
- Adults 25 and over with a bachelor degree or higher34.9 percent
- Adults 25 and over with a graduate degree13.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cape Girardeau
Housing in Cape Girardeau
- Housing units18,745
- Occupied units16,364
- Vacant units2,381
- Vacancy rate12.7 percent
- Owner occupied8,843
- Renter occupied7,521
- Ownership rate54.0 percent
- Median owner-occupied home value$196,300
- Median gross rent, monthly$876
- Annual rent as a share of median income18.9 percent
- Single family units12,512
- Share single family66.7 percent
- Units in buildings of two or more5,755
- Share in buildings of two or more30.7 percent
- Mobile homes478 plus or minus 147
- Median year structure built1975
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cape Girardeau
How Cape Girardeau gets to work
- Workers 16 and over who commute18,593
- Commuting under 15 minutes11,117
- Share commuting under 15 minutes59.8 percent
- Commuting 30 minutes or more2,309
- Share commuting 30 minutes or more12.4 percent
- Drove alone79.9 percent
- Carpooled7.6 percent plus or minus 1.6
- Public transport0.2 percent plus or minus 0.2
- Walked2.8 percent plus or minus 1.0
- Worked from home7.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cape Girardeau
SBA loans in Cape Girardeau (7(a))
- Approvals30
- Gross approval$10,165,600
- Average approval$338,853
- Median approval$323,500
- Ninetieth percentile approval$675,300
- Largest approval$1,291,500
- Jobs supported442
- Jobs per approval14.7
- Loans with a final outcome5
- Paid in full5
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more6.7 percent
- Share to franchises13.3 percent
- Distinct lenders16
- Distinct industries by NAICS25
Counted by borrower city: approvals to borrowers whose address is in Cape Girardeau, in any county, FY2020 to FY2026. Only 5 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cape Girardeau
SBA loans in Cape Girardeau (504)
- Approvals20
- Gross approval$11,092,000
- Average approval$554,600
- Median approval$414,500
- Largest approval$2,467,000
- Jobs supported125
- Loans with a final outcome10
- Charged off0
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Cape Girardeau, in any county, FY2010 to FY2026. Only 10 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Cape Girardeau
Flood risk in Cape Girardeau
- NFIP communityCity of Cape Girardeau
- NFIP community number290458
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date01/20/16
The City of Cape Girardeau participates in the National Flood Insurance Program as community 290458 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Cape Girardeau County, not Cape Girardeau
Cape Girardeau County context, not Cape Girardeau figures
- Establishments in Cape Girardeau County2,334
- Covered employment, Cape Girardeau County41,463
- Average annual pay, Cape Girardeau County$51,752
- Housing units permitted, Cape Girardeau County80
Every figure in this section is published for Cape Girardeau County as a whole and is not a measurement of Cape Girardeau.
All Cape Girardeau County figures →
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, 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 →
Common questions
Cape Girardeau questions, answered from the record.
How many people live in Cape Girardeau, Missouri?
40,344, in 16,364 households. Cape Girardeau city covers 29.26 square miles of land, which is 1,379 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Cape Girardeau in?
Cape Girardeau lies in more than one. By area it is 95.7 percent in Cape Girardeau County, 4.3 percent in Scott County. This page sits under Cape Girardeau County because that county holds the largest share. The split is measured from the Census boundary of the place against the county boundaries.
What is the median household income in Cape Girardeau?
$55,658. The median owner-occupied home is valued at $196,300. Median gross rent is $876 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Cape Girardeau businesses?
30 7(a) approvals totaling $10.2 m since FY2020, across 16 lenders, median approval $323,500, plus 20 504 approvals worth $11.1 m since FY2010. These count approvals to borrowers whose address is in Cape Girardeau, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Cape Girardeau borrowers get paid back?
No rate is published for Cape Girardeau. Only 5 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Cape Girardeau in the National Flood Insurance Program?
Yes. Cape Girardeau appears in the FEMA Community Status Book as Cape Girardeau, city of, community 290458, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Cape Girardeau figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Cape Girardeau County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Cape Girardeau.
Is zoning published for Cape Girardeau?
No. Nothing on this page presents parcel level zoning.
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