HomeMissouriClay CountyLiberty
Liberty, Missouri: commercial real estate data.
Liberty is a Census city of 30,689 people across 29.67 square miles of land, in Clay County. Median household income is $88,542, 73.0 percent of occupied homes are owned, and the SBA record carries 36 7(a) approvals to borrowers here worth $15.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Liberty
What Liberty is
- Census place typecity
- Land area29.67 sq mi
- Water area0.12 sq mi
- Population per square mile of land1,035
- County holding the largest share of its areaClay County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Liberty
How many people live in Liberty
- Population30,689
- Median age37.8
- Population under 187,508
- Share under 1824.5 percent
- Population 65 and over4,881
- Share 65 and over15.9 percent
- Households11,568
- Family households7,580
- Share of households that are families65.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Liberty
Income and work in Liberty
- Median household income$88,542
- Per capita income$40,242
- Civilian labor force16,054
- Employed15,338
- Unemployed716 plus or minus 195
- Unemployment rate4.5 percent plus or minus 1.2
- Adults 25 and over20,264
- Adults 25 and over with a high school diploma or higher95.9 percent
- Adults 25 and over with a bachelor degree or higher39.6 percent
- Adults 25 and over with a graduate degree13.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Liberty
Housing in Liberty
- Housing units12,085
- Occupied units11,568
- Vacant units517 plus or minus 183
- Vacancy rate4.3 percent plus or minus 1.5
- Owner occupied8,442
- Renter occupied3,126
- Ownership rate73.0 percent
- Median owner-occupied home value$283,300
- Median gross rent, monthly$1,160
- Annual rent as a share of median income15.7 percent
- Single family units9,162
- Share single family75.8 percent
- Units in buildings of two or more2,425
- Share in buildings of two or more20.1 percent
- Mobile homes498 plus or minus 146
- Median year structure built1986
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Liberty
How Liberty gets to work
- Workers 16 and over who commute12,660
- Commuting under 15 minutes4,041
- Share commuting under 15 minutes31.9 percent
- Commuting 30 minutes or more3,866
- Share commuting 30 minutes or more30.5 percent
- Drove alone77.4 percent
- Carpooled4.7 percent plus or minus 1.3
- Public transport0.0 percent
- Walked0.9 percent plus or minus 0.7
- Worked from home15.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Liberty
SBA loans in Liberty (7(a))
- Approvals36
- Gross approval$15,255,800
- Average approval$423,772
- Median approval$224,750
- Ninetieth percentile approval$972,500
- Largest approval$2,623,500
- Jobs supported321
- Jobs per approval8.9
- Loans with a final outcome7
- Paid in full7
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more5.6 percent
- Share to franchises41.7 percent
- Distinct lenders23
- Distinct industries by NAICS28
Counted by borrower city: approvals to borrowers whose address is in Liberty, in any county, FY2020 to FY2026. Only 7 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.
Liberty
SBA loans in Liberty (504)
- Approvals15
- Gross approval$8,336,000
- Average approval$555,733
- Median approval$393,000
- Largest approval$2,100,000
- Jobs supported129
- Loans with a final outcome7
- Charged off0
- Median term240 months
- Distinct CDCs5
Counted by borrower city: approvals to borrowers whose address is in Liberty, in any county, FY2010 to FY2026. Only 7 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.
Liberty
Flood risk in Liberty
- NFIP communityCity of Liberty
- NFIP community number290096
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date08/03/15
The City of Liberty participates in the National Flood Insurance Program as community 290096 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.
Clay County, not Liberty
Clay County context, not Liberty figures
- Establishments in Clay County5,654
- Covered employment, Clay County111,855
- Average annual pay, Clay County$63,093
- Housing units permitted, Clay County356
Every figure in this section is published for Clay County as a whole and is not a measurement of Liberty.
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
Liberty questions, answered from the record.
How many people live in Liberty, Missouri?
30,689, in 11,568 households. Liberty city covers 29.67 square miles of land, which is 1,035 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Liberty in?
Clay County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Liberty?
$88,542. The median owner-occupied home is valued at $283,300. Median gross rent is $1,160 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Liberty businesses?
36 7(a) approvals totaling $15.3 m since FY2020, across 23 lenders, median approval $224,750, plus 15 504 approvals worth $8.3 m since FY2010. These count approvals to borrowers whose address is in Liberty, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Liberty borrowers get paid back?
No rate is published for Liberty. Only 7 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 Liberty in the National Flood Insurance Program?
Yes. Liberty appears in the FEMA Community Status Book as Liberty, city of, community 290096, 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 Liberty figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Clay 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 Liberty.
Is zoning published for Liberty?
No. Nothing on this page presents parcel level zoning.