Cooper County, Missouri: commercial real estate data.
Cooper County, Missouri had an estimated 17,122 residents on July 1, 2024, up 0.1 percent since the 2020 census base of 17,103, across 565 square miles. County output reached $633.3 m in 2024, 408 establishments operate here, and the SBA record carries 11 7(a) approvals worth $5.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Cooper County
How many people live in Cooper County
- Population, American Community Survey 2020-202416,824
- Households6,246
- Average household size2.69
- Median household income$70,625
- Median age40.5
- Median gross rent$782 per month
- Median owner-occupied home value$203,500
- Home value to household income2.9 times
- Annual rent as a share of median income13.3 percent
- Adults 25 and over with a bachelor degree or higher24.0 percent
- Adults 25 and over with a graduate degree8.4 percent
- Adults 25 and over11,633
- Population under 183,750
- Share under 1822.3 percent
- Population 65 and over3,334
- Share 65 and over19.8 percent
- Working age population, 18 to 649,740
- Civilian labor force7,853
- Unemployment rate4.3 percent
- Labor force participation, adults 18 and over60.1 percent
- Rank by population among Missouri counties63rd of 115
- Rank by population among US county-equivalents, Puerto Rico included2050th of 3,222
Cooper County is the 63rd largest of 115 Missouri counties by population. A median home costs 2.9 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 22.3 percent against 19.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Cooper County
Is Cooper County's population growing?
- Population, July 1, 202417,122
- Census 2020 base population17,103
- Population change since the 2020 census base0.11 percent
- Population change, 2023 to 2024196
- Births, 2024171
- Deaths, 2024162
- Natural change, 20249
- Net domestic migration, 2024191
- Net international migration, 2024-2
- Total net migration, 2024189
- Cumulative net domestic migration, 2021 to 2024574
- Rank by growth among US county-equivalents1787th of 3,144
The county has grown 0.11 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.
Cooper County
Where are people moving to Cooper County from?
- Tax returns filed by households arriving488
- People arriving, from those returns887
- Tax returns filed by households leaving458
- Net household movement30
- Adjusted gross income arriving$25.1 m
- Net adjusted gross income movement$6.5 m
- Average income of an arriving household$51,506
- Average income of a leaving household$40,616
- Largest single originBoone County (119 households)
- Largest single destinationBoone County (96 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Boone County | 119 | 209 | $6.6 m |
| Howard County | 53 | 98 | $1.5 m |
| Pettis County | 32 | 64 | $1.0 m |
| Moniteau County | 25 | 48 | $1.1 m |
Households arriving report $10,890 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 Boone 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.
Cooper County
What is the Cooper County economy?
- County GDP, 2024$633.3 m
- County GDP, 2023$631.0 m
- GDP change, 2023 to 20240.4 percent
- GDP change over five years34.3 percent
- Rank by GDP among the Missouri areas BEA publishes62nd of 115
- Rank by GDP among the US county areas BEA publishes2233rd of 3,127
- GDP per resident$37,642
Output grew 0.4 percent in the latest year and 34.3 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.
Cooper County
Employment by industry in Cooper County
- Covered employment, annual average4,872
- Establishments reporting491
- Average annual pay$41,936
- Average weekly wage$806
- Retail trade, employment846
- Retail trade, average annual pay$32,974
- Health care and social assistance, employment654
- Health care and social assistance, average annual pay$42,184
- Manufacturing, employment365
- Manufacturing, average annual pay$59,602
- Construction, employment276
- Construction, average annual pay$55,010
- Other services, except public administration, employment208
- Transportation and warehousing, employment155
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 846 | 53 | $32,974 |
| Health care and social assistance | 654 | 70 | $42,184 |
| Manufacturing | 365 | 12 | $59,602 |
| Construction | 276 | 56 | $55,010 |
| Other services, except public administration | 208 | 42 | $34,342 |
| Transportation and warehousing | 155 | 19 | $46,694 |
| Finance and insurance | 149 | 38 | $64,977 |
| Professional, scientific and technical services | 103 | 26 | $59,496 |
Retail trade is the largest private sector at 846 jobs, 17.4 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Cooper County
How many businesses are in Cooper County?
- Establishments, all industries408
- Employment at those establishments3,868
- Annual payroll$153.4 m
- Establishments per 1,000 residents24.3
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.
Cooper County
Building permits in Cooper County
- Housing units authorized by permit, 202417
- Declared construction value permitted$5.4 m
- Single family units authorized17
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$315,702
- Units authorized per 1,000 households2.7
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.
Cooper County
SBA loans in Cooper County (7(a) and 504)
- 7(a) approvals recorded11
- 7(a) gross approval dollars$5.6 m
- Average 7(a) approval$512,309
- Median 7(a) approval$273,700
- Largest single approval$1,500,000
- Jobs reported supported, 7(a)70
- Jobs per approval6.4
- Distinct 7(a) lenders active4
- Distinct industries receiving approvals10
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer9.1 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter8
- Franchise loans0
- Franchise share of approvals0.0 percent
- Most active lenderThe Central Trust Bank (6)
- 504 approvals recorded4
- 504 gross approval dollars$5.1 m
- Average 504 approval$1,273,750
- Median 504 approval$1,383,500
- Distinct CDCs active1
- 504 jobs per approval6.3
- 504 jobs per million dollars approved4.9
- Most active CDCRural Missouri, Inc. (4)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$10.7 m
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.
Cooper County
SBA loan default and charge-off rates in Cooper County
Do SBA loans in Cooper County get paid back?
- Loans with a final outcome recorded2
- Paid in full2
- Charged off0
- Status: Paid in full2
- Status: Exempt from disclosure8
- Status: Cancelled1
Only 2 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.
Cooper County
How large is Cooper County?
- Land area565 sq mi
- Rank by land area among Missouri counties62nd of 115
- Width, east to west30.2 mi
- Height, north to south26.6 mi
- Geographies sharing a boundary6
- Residents per square mile of land30
- Establishments per square mile0.72
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.
Cooper County
Flood risk in Cooper County
- Participation of the county's own NFIP community Cooper County, unincorporated areasParticipating, community 290794
- 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 Cooper 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 Cooper County (community 290794), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Cooper 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 Cooper 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 Cooper County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202416,824
- Households6,246
- Average household size2.69
- Median household income$70,625
- Median age40.5
Common questions
Cooper County questions, answered from the record.
How many people live in Cooper County, Missouri?
The Census Bureau estimates 17,122 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 16,824, in 6,246 households, ranking 63rd of 115 Missouri counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Cooper County's population growing?
The population has grown 0.11 percent since the 2020 census base of 17,103, to 17,122 on July 1, 2024. In 2024 there were 171 births against 162 deaths, with net migration of 189. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Cooper County?
$70,625. The median owner-occupied home is valued at $203,500, which is 2.9 times income, and median gross rent is $782 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Cooper County?
408 establishments, employing 3,868 people with an annual payroll of $153.4 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 Cooper County?
Retail trade is the largest private sector at 846 jobs, 17.4 percent of covered employment. Covered employment averages 4,872 jobs at an average annual pay of $41,936, or $806 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Cooper County?
11 7(a) approvals totaling $5.6 m since FY2020, across 4 lenders, with a median approval of $273,700, plus 4 504 approvals worth $5.1 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Cooper County?
17 housing units were authorized by permit in 2024, with a declared construction value of $5.4 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Cooper 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 Cooper County come from?
The largest single origin is Boone County, with 119 households. Arriving households report an average income of $51,506 against $40,616 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Cooper 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 Cooper 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.
Cooper County
Cities and places in Cooper.
8 Census places lie wholly or partly in Cooper 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 |
|---|---|---|---|---|
| Boonville | city | 7,689 | 11 | Wholly in this county |
| Pilot Grove | city | 744 | None recorded | Wholly in this county |
| Otterville | city | 489 | None recorded | Wholly in this county |
| Windsor Place | village | 405 | None recorded | Wholly in this county |
| Bunceton | city | 256 | None recorded | Wholly in this county |
| Prairie Home | city | 251 | None recorded | Wholly in this county |
| Blackwater | city | 207 | None recorded | Wholly in this county |
| Wooldridge | village | 20 | None recorded | Wholly in this county |
Nearby