Cedar County, Missouri: commercial real estate data.
Cedar County, Missouri had an estimated 15,023 residents on July 1, 2024, up 5.9 percent since the 2020 census base of 14,188, across 474 square miles. County output reached $458.8 m in 2024, 305 establishments operate here, and the SBA record carries 17 7(a) approvals worth $4.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Cedar County
How many people live in Cedar County
- Population, American Community Survey 2020-202414,615
- Households5,773
- Average household size2.53
- Median household income$48,181
- Median age43.0
- Median gross rent$767 per month
- Median owner-occupied home value$168,100
- Home value to household income3.5 times
- Annual rent as a share of median income19.1 percent
- Adults 25 and over with a bachelor degree or higher19.0 percent
- Adults 25 and over with a graduate degree7.0 percent
- Adults 25 and over10,148
- Population under 183,510
- Share under 1824.0 percent
- Population 65 and over3,380
- Share 65 and over23.1 percent
- Working age population, 18 to 647,725
- Civilian labor force6,041
- Unemployment rate2.6 percent
- Labor force participation, adults 18 and over54.4 percent
- Rank by population among Missouri counties70th of 115
- Rank by population among US county-equivalents, Puerto Rico included2180th of 3,222
Cedar County is the 70th largest of 115 Missouri counties by population. A median home costs 3.5 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 24.0 percent against 23.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Cedar County
Is Cedar County's population growing?
- Population, July 1, 202415,023
- Census 2020 base population14,188
- Population change since the 2020 census base5.89 percent
- Population change, 2023 to 2024317
- Births, 2024228
- Deaths, 2024214
- Natural change, 202414
- Net domestic migration, 2024308
- Net international migration, 2024-1
- Total net migration, 2024307
- Cumulative net domestic migration, 2021 to 2024840
- Rank by growth among US county-equivalents422nd of 3,144
The county has grown 5.89 percent since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Cedar County
Where are people moving to Cedar County from?
- Tax returns filed by households arriving463
- People arriving, from those returns944
- Tax returns filed by households leaving374
- Net household movement89
- Adjusted gross income arriving$22.2 m
- Net adjusted gross income movement$7.7 m
- Average income of an arriving household$47,842
- Average income of a leaving household$38,545
- Largest single originVernon County (53 households)
- Largest single destinationVernon County (49 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Vernon County | 53 | 108 | $1.6 m |
| Greene County | 44 | 91 | $2.2 m |
| Polk County | 38 | 80 | $1.5 m |
Households arriving report $9,297 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Vernon 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.
Cedar County
What is the Cedar County economy?
- County GDP, 2024$458.8 m
- County GDP, 2023$422.5 m
- GDP change, 2023 to 20248.6 percent
- GDP change over five years50.7 percent
- Rank by GDP among the Missouri areas BEA publishes76th of 115
- Rank by GDP among the US county areas BEA publishes2458th of 3,127
- GDP per resident$31,393
Output grew 8.6 percent in the latest year and 50.7 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.
Cedar County
Employment by industry in Cedar County
- Covered employment, annual average3,486
- Establishments reporting396
- Average annual pay$40,789
- Average weekly wage$784
- Retail trade, employment487
- Retail trade, average annual pay$28,469
- Manufacturing, employment410
- Manufacturing, average annual pay$56,645
- Accommodation and food services, employment290
- Accommodation and food services, average annual pay$17,860
- Construction, employment148
- Construction, average annual pay$57,495
- Finance and insurance, employment111
- Other services, except public administration, employment52
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 487 | 53 | $28,469 |
| Manufacturing | 410 | 21 | $56,645 |
| Accommodation and food services | 290 | 25 | $17,860 |
| Construction | 148 | 36 | $57,495 |
| Finance and insurance | 111 | 21 | $56,676 |
| Other services, except public administration | 52 | 22 | $30,226 |
| Real estate and rental and leasing | 49 | 11 | $31,059 |
| Arts, entertainment and recreation | 35 | 4 | $23,002 |
Retail trade is the largest private sector at 487 jobs, 14.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Cedar County
How many businesses are in Cedar County?
- Establishments, all industries305
- Employment at those establishments2,576
- Annual payroll$96.8 m
- Establishments per 1,000 residents20.9
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.
Cedar County
Building permits in Cedar County
- Housing units authorized by permit, 202411
- Declared construction value permitted$2.6 m
- Single family units authorized9
- Multifamily units authorized2
- Multifamily share of units18.2 percent
- Average declared value per unit$237,577
- Units authorized per 1,000 households1.9
Single-family homes are 81.8 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Cedar County
SBA loans in Cedar County (7(a) and 504)
- 7(a) approvals recorded17
- 7(a) gross approval dollars$4.7 m
- Average 7(a) approval$274,141
- Median 7(a) approval$123,800
- Largest single approval$1,374,500
- Jobs reported supported, 7(a)69
- Jobs per approval4.1
- Distinct 7(a) lenders active10
- Distinct industries receiving approvals13
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer17.6 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter12
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countChicken Egg Production (4)
- Most active lenderSt. Clair County State Bank (4)
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cedar County
SBA loan default and charge-off rates in Cedar County
Do SBA loans in Cedar County get paid back?
- Loans with a final outcome recorded5
- Paid in full5
- Charged off0
- Status: Paid in full5
- Status: Exempt from disclosure11
- Status: Cancelled1
Only 5 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.
Cedar County
SBA lending by place in Cedar County
- Borrower cities with recorded lending3
- Stockton, approvals10
- El Dorado Springs, approvals5
- Fair Play, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Stockton | 10 | $3,063,500 |
| El Dorado Springs | 5 | $1,241,900 |
| Fair Play | 2 | $355,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cedar County
How large is Cedar County?
- Land area474 sq mi
- Rank by land area among Missouri counties90th of 115
- Width, east to west25.1 mi
- Height, north to south22.7 mi
- Geographies sharing a boundary5
- Residents per square mile of land31
- Establishments per square mile0.64
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.
Cedar County
Flood risk in Cedar County
- Participation of the county's own NFIP community Cedar County, unincorporated areasParticipating, community 290791
- Communities in the county in the NFIP Community Status Book3
- Of those, participating in the NFIP3
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Cedar 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 Cedar County (community 290791), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Cedar 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. 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 Cedar 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 Cedar County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202414,615
- Households5,773
- Average household size2.53
- Median household income$48,181
- Median age43.0
Common questions
Cedar County questions, answered from the record.
How many people live in Cedar County, Missouri?
The Census Bureau estimates 15,023 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 14,615, in 5,773 households, ranking 70th of 115 Missouri counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Cedar County's population growing?
The population has grown 5.89 percent since the 2020 census base of 14,188, to 15,023 on July 1, 2024. In 2024 there were 228 births against 214 deaths, with net migration of 307. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Cedar County?
$48,181. The median owner-occupied home is valued at $168,100, which is 3.5 times income, and median gross rent is $767 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Cedar County?
305 establishments, employing 2,576 people with an annual payroll of $96.8 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 Cedar County?
Retail trade is the largest private sector at 487 jobs, 14.0 percent of covered employment. Covered employment averages 3,486 jobs at an average annual pay of $40,789, or $784 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Cedar County?
17 7(a) approvals totaling $4.7 m since FY2020, across 10 lenders, with a median approval of $123,800. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Cedar County?
11 housing units were authorized by permit in 2024, with a declared construction value of $2.6 m. Multifamily was 18.2 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Cedar 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 Cedar County come from?
The largest single origin is Vernon County, with 53 households. Arriving households report an average income of $47,842 against $38,545 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Cedar 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 Cedar 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.
Cedar County
Cities and places in Cedar.
4 Census places lie wholly or partly in Cedar 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 |
|---|---|---|---|---|
| El Dorado Springs | city | 3,586 | 5 | Wholly in this county |
| Stockton | city | 1,950 | 10 | Wholly in this county |
| Jerico Springs | village | 279 | None recorded | Wholly in this county |
| Umber View Heights | village | 49 | None recorded | Wholly in this county |
A further 2 of the county's 17 SBA 7(a) approvals are to borrowers in cities that match no Census place in Cedar County, the largest being Fair Play (2). 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