HomeMissouriClay CountyLiberty city
Liberty city, Missouri: commercial real estate data.
Liberty city 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.
76 sourced place values · tier FULL · 8 sections · 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$255,000
- Ninetieth percentile approval$1,092,000
- 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
A charge-off rate is not published here. only 7 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
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
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Clay County, not Liberty
Clay County context, not Liberty figures
These are Clay County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Liberty measurements.
- Establishments in Clay County5,654
- Employment at those establishments, Clay County118,402
- Covered employment, Clay County111,855
- Average annual pay, Clay County$63,093
- Average weekly wage, Clay County$1,213
- Housing units permitted, Clay County356
- Of those, single family, Clay County314
- County product, 2024, Clay County$17,309,687,000
- County product change over the prior year, Clay County3.0 percent
- Average income of an arriving household, Clay County$62,064
Every figure in this section is published for Clay County as a whole and is not a measurement of Liberty. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $15.3 m, across 23 lenders, median approval $255,000, plus 15 504 approvals worth $8.3 m. 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 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Liberty figures?
No, and they are labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.