Miller County, Missouri: commercial real estate data.
Miller County, Missouri had an estimated 25,668 residents on July 1, 2024, up 3.8 percent since the 2020 census base of 24,729, across 593 square miles. County output reached $1.05 bn in 2024, 714 establishments operate here, and the SBA record carries 32 7(a) approvals worth $17.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Miller County
How many people live in Miller County
- Population, American Community Survey 2020-202425,269
- Households9,857
- Average household size2.56
- Median household income$56,736
- Median age41.3
- Median gross rent$763 per month
- Median owner-occupied home value$192,600
- Home value to household income3.4 times
- Annual rent as a share of median income16.1 percent
- Adults 25 and over with a bachelor degree or higher19.2 percent
- Adults 25 and over with a graduate degree6.7 percent
- Adults 25 and over17,520
- Population under 185,869
- Share under 1823.2 percent
- Population 65 and over5,072
- Share 65 and over20.1 percent
- Working age population, 18 to 6414,328
- Civilian labor force11,778
- Unemployment rate5.3 percent
- Labor force participation, adults 18 and over60.7 percent
- Rank by population among Missouri counties42nd of 115
- Rank by population among US county-equivalents, Puerto Rico included1647th of 3,222
Miller County is the 42nd largest of 115 Missouri counties by population. A median home costs 3.4 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 23.2 percent against 20.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Miller County
Is Miller County's population growing?
- Population, July 1, 202425,668
- Census 2020 base population24,729
- Population change since the 2020 census base3.80 percent
- Population change, 2023 to 2024102
- Births, 2024292
- Deaths, 2024303
- Natural change, 2024-11
- Net domestic migration, 2024109
- Net international migration, 20245
- Total net migration, 2024114
- Cumulative net domestic migration, 2021 to 20241,022
- Rank by growth among US county-equivalents727th of 3,144
The county has grown 3.80 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Miller County
Where are people moving to Miller County from?
- Tax returns filed by households arriving791
- People arriving, from those returns1,559
- Tax returns filed by households leaving621
- Net household movement170
- Adjusted gross income arriving$40.5 m
- Net adjusted gross income movement$7.7 m
- Average income of an arriving household$51,260
- Average income of a leaving household$52,952
- Largest single originCamden County (215 households)
- Largest single destinationCamden County (151 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Camden County | 215 | 429 | $10.2 m |
| Cole County | 67 | 138 | $3.9 m |
| Morgan County | 63 | 144 | $2.2 m |
| Pulaski County | 24 | 44 | $795,000 |
| Moniteau County | 23 | 50 | $889,000 |
| Boone County | 20 | 37 | $1.3 m |
Households arriving report $1,692 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Camden 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.
Miller County
What is the Miller County economy?
- County GDP, 2024$1.05 bn
- County GDP, 2023$959.1 m
- GDP change, 2023 to 20249.6 percent
- GDP change over five years45.0 percent
- Rank by GDP among the Missouri areas BEA publishes49th of 115
- Rank by GDP among the US county areas BEA publishes1810th of 3,127
- GDP per resident$41,582
Output grew 9.6 percent in the latest year and 45.0 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.
Miller County
Employment by industry in Miller County
- Covered employment, annual average8,005
- Establishments reporting759
- Average annual pay$44,073
- Average weekly wage$848
- Retail trade, employment1,684
- Retail trade, average annual pay$34,622
- Manufacturing, employment1,037
- Manufacturing, average annual pay$48,802
- Construction, employment844
- Construction, average annual pay$51,351
- Accommodation and food services, employment768
- Accommodation and food services, average annual pay$25,771
- Administrative and support and waste management services, employment387
- Transportation and warehousing, employment213
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 1,684 | 94 | $34,622 |
| Manufacturing | 1,037 | 26 | $48,802 |
| Construction | 844 | 145 | $51,351 |
| Accommodation and food services | 768 | 51 | $25,771 |
| Administrative and support and waste management services | 387 | 38 | $28,612 |
| Transportation and warehousing | 213 | 23 | $81,346 |
| Professional, scientific and technical services | 182 | 34 | $75,695 |
| Arts, entertainment and recreation | 182 | 17 | $32,603 |
Retail trade is the largest private sector at 1,684 jobs, 21.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Miller County
How many businesses are in Miller County?
- Establishments, all industries714
- Employment at those establishments6,325
- Annual payroll$261.0 m
- Establishments per 1,000 residents28.3
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.
Miller County
Building permits in Miller County
- Housing units authorized by permit, 202488
- Declared construction value permitted$13.8 m
- Single family units authorized26
- Multifamily units authorized62
- Multifamily share of units70.5 percent
- Average declared value per unit$157,138
- Units authorized per 1,000 households8.9
Multifamily is 70.5 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Miller County
SBA loans in Miller County (7(a) and 504)
- 7(a) approvals recorded32
- 7(a) gross approval dollars$17.6 m
- Average 7(a) approval$548,888
- Median 7(a) approval$280,500
- 10th percentile approval$40,000
- 90th percentile approval$972,800
- Largest single approval$4,150,000
- Jobs reported supported, 7(a)248
- Jobs per approval7.8
- Distinct 7(a) lenders active16
- Distinct industries receiving approvals24
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer28.1 percent
- Loans on real estate terms9
- Loans on working capital terms, 120 months or shorter21
- Franchise loans1
- Franchise share of approvals3.1 percent
- Most active lenderOakStar Bank (9)
- 504 approvals recorded5
- 504 gross approval dollars$5.1 m
- Average 504 approval$1,013,000
- Median 504 approval$498,000
- Distinct CDCs active1
- 504 jobs per approval1.2
- 504 jobs per million dollars approved1.2
- Most active CDCRural Missouri, Inc. (5)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$22.6 m
The average approval of $548,888 sits well above the median of $280,500, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 28.1 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
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.
Miller County
SBA loan default and charge-off rates in Miller County
Do SBA loans in Miller County get paid back?
- Loans with a final outcome recorded8
- Paid in full8
- Charged off0
- Status: Exempt from disclosure22
- Status: Paid in full8
- Status: Cancelled2
Only 8 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.
Miller County
SBA lending by place in Miller County
- Borrower cities with recorded lending7
- Eldon, approvals10
- Lake Ozark, approvals9
- Osage Beach, approvals7
- Kaiser, approvals2
- Rocky Mount, approvals2
- Iberia, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Eldon | 10 | $6,020,200 |
| Lake Ozark | 9 | $7,807,800 |
| Osage Beach | 7 | $1,987,900 |
| Kaiser | 2 | $918,000 |
| Rocky Mount | 2 | $715,500 |
| Iberia | 1 | $75,000 |
| Olean | 1 | $40,000 |
Eldon accounts for 10 approvals against 9 in Lake Ozark. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Miller County
How large is Miller County?
- Land area593 sq mi
- Rank by land area among Missouri counties56th of 115
- Width, east to west27.7 mi
- Height, north to south28.6 mi
- Geographies sharing a boundary7
- Residents per square mile of land43
- Establishments per square mile1.20
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.
Miller County
Flood risk in Miller County
- Participation of the county's own NFIP community Miller County, unincorporated areasParticipating, community 290226
- Communities in the county in the NFIP Community Status Book10
- Of those, participating in the NFIP5
- NFIP participation rate50.0 percent
- Communities carrying a CRS class0
- Radon levels in Miller 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 Miller County (community 290226), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Miller 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. 50.0 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 Miller 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 Miller County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202425,269
- Households9,857
- Average household size2.56
- Median household income$56,736
- Median age41.3
Common questions
Miller County questions, answered from the record.
How many people live in Miller County, Missouri?
The Census Bureau estimates 25,668 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 25,269, in 9,857 households, ranking 42nd of 115 Missouri counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Miller County's population growing?
The population has grown 3.80 percent since the 2020 census base of 24,729, to 25,668 on July 1, 2024. In 2024 there were 292 births against 303 deaths, with net migration of 114. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Miller County?
$56,736. The median owner-occupied home is valued at $192,600, which is 3.4 times income, and median gross rent is $763 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Miller County?
714 establishments, employing 6,325 people with an annual payroll of $261.0 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 Miller County?
Retail trade is the largest private sector at 1,684 jobs, 21.0 percent of covered employment. Covered employment averages 8,005 jobs at an average annual pay of $44,073, or $848 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Miller County?
32 7(a) approvals totaling $17.6 m since FY2020, across 16 lenders, with a median approval of $280,500, plus 5 504 approvals worth $5.1 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Miller County?
88 housing units were authorized by permit in 2024, with a declared construction value of $13.8 m. Multifamily was 70.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Miller 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 Miller County come from?
The largest single origin is Camden County, with 215 households. Arriving households report an average income of $51,260 against $52,952 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Miller 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 Miller 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.
Miller County
Cities and places in Miller.
11 Census places lie wholly or partly in Miller County. 10 carry enough published place level data for a page of their own and are linked. The rest are named here and not linked, because the American Community Survey and the SBA record between them do not carry enough about them to write an honest page. A place existing is itself worth knowing, so nothing in the county is left out.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Osage Beach | city | 4,905 | 7 | 11.3 percent here, 88.7 percent Camden County |
| Eldon | city | 4,556 | 10 | Wholly in this county |
| Lake Ozark | city | 2,335 | 9 | 95.0 percent here, 5.0 percent Camden County |
| Iberia | city | 661 | 1 | Wholly in this county |
| St. Elizabeth | village | 587 | None recorded | Wholly in this county |
| Aurora Springs | CDP | 230 | None recorded | Wholly in this county |
| Olean | town | 168 | 1 | Wholly in this county |
| Tuscumbia | town | 142 | None recorded | Wholly in this county |
| Brumley | town | 72 | None recorded | Wholly in this county |
| Bagnell | town | 44 | None recorded | Wholly in this county |
| Lakeside | city | 0 | None recorded | Wholly in this county |
A further 4 of the county's 32 SBA 7(a) approvals are to borrowers in cities that match no Census place in Miller County, the largest being Kaiser (2), Rocky Mount (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