St. Clair County, Missouri: commercial real estate data.
St. Clair County, Missouri had an estimated 9,848 residents on July 1, 2024, up 6.1 percent since the 2020 census base of 9,282, across 670 square miles. County output reached $257.2 m in 2024, 161 establishments operate here, and the SBA record carries 12 7(a) approvals worth $3.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
St. Clair County
How many people live in St. Clair County
- Population, American Community Survey 2020-20249,587
- Households4,071
- Average household size2.35
- Median household income$53,043
- Median age46.1
- Median gross rent$622 per month
- Median owner-occupied home value$157,100
- Home value to household income3.0 times
- Annual rent as a share of median income14.1 percent
- Adults 25 and over with a bachelor degree or higher14.7 percent
- Adults 25 and over with a graduate degree4.5 percent
- Adults 25 and over6,957
- Population under 182,038
- Share under 1821.3 percent
- Population 65 and over2,457
- Share 65 and over25.6 percent
- Working age population, 18 to 645,092
- Civilian labor force4,113
- Unemployment rate3.3 percent
- Labor force participation, adults 18 and over54.5 percent
- Rank by population among Missouri counties88th of 115
- Rank by population among US county-equivalents, Puerto Rico included2519th of 3,222
St. Clair County is the 88th largest of 115 Missouri counties by population. A median home costs 3.0 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 25.6 percent against 21.3 percent, which points demand at health care, services and single story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
St. Clair County
Is St. Clair County's population growing?
- Population, July 1, 20249,848
- Census 2020 base population9,282
- Population change since the 2020 census base6.10 percent
- Population change, 2023 to 2024105
- Births, 2024117
- Deaths, 2024144
- Natural change, 2024-27
- Net domestic migration, 2024126
- Net international migration, 20248
- Total net migration, 2024134
- Cumulative net domestic migration, 2021 to 2024627
- Rank by growth among US county-equivalents396th of 3,144
The county has grown 6.10 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.
St. Clair County
Where are people moving to St. Clair County from?
- Tax returns filed by households arriving282
- People arriving, from those returns542
- Tax returns filed by households leaving192
- Net household movement90
- Adjusted gross income arriving$12.3 m
- Net adjusted gross income movement$5.0 m
- Average income of an arriving household$43,752
- Average income of a leaving household$38,411
- Largest single originHenry County (49 households)
- Largest single destinationHenry County (40 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Henry County | 49 | 94 | $2.3 m |
| Jackson County | 32 | 67 | $1.6 m |
| Greene County | 23 | 37 | $834,000 |
| Cedar County | 20 | 37 | $616,000 |
Households arriving report $5,341 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 Henry 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.
St. Clair County
What is the St. Clair County economy?
- County GDP, 2024$257.2 m
- County GDP, 2023$265.2 m
- GDP change, 2023 to 2024-3.0 percent
- GDP change over five years51.8 percent
- Rank by GDP among the Missouri areas BEA publishes99th of 115
- Rank by GDP among the US county areas BEA publishes2792nd of 3,127
- GDP per resident$26,832
Output grew -3.0 percent in the latest year and 51.8 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.
St. Clair County
Employment by industry in St. Clair County
- Covered employment, annual average1,710
- Establishments reporting239
- Average annual pay$39,737
- Average weekly wage$764
- Health care and social assistance, employment399
- Health care and social assistance, average annual pay$35,261
- Retail trade, employment315
- Retail trade, average annual pay$31,478
- Accommodation and food services, employment99
- Accommodation and food services, average annual pay$19,898
- Transportation and warehousing, employment79
- Transportation and warehousing, average annual pay$62,112
- Finance and insurance, employment62
- Manufacturing, employment61
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 399 | 77 | $35,261 |
| Retail trade | 315 | 36 | $31,478 |
| Accommodation and food services | 99 | 11 | $19,898 |
| Transportation and warehousing | 79 | 6 | $62,112 |
| Finance and insurance | 62 | 10 | $50,553 |
| Manufacturing | 61 | 10 | $65,028 |
| Professional, scientific and technical services | 50 | 10 | $60,210 |
| Administrative and support and waste management services | 14 | 4 | $28,806 |
Health care and social assistance is the largest private sector at 399 jobs, 23.3 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
St. Clair County
How many businesses are in St. Clair County?
- Establishments, all industries161
- Employment at those establishments1,222
- Annual payroll$52.9 m
- Establishments per 1,000 residents16.8
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.
St. Clair County
Building permits in St. Clair County
- Housing units authorized by permit, 202412
- Declared construction value permitted$2.0 m
- Single family units authorized12
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$166,667
- Units authorized per 1,000 households2.9
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.
St. Clair County
SBA loans in St. Clair County (7(a) and 504)
- 7(a) approvals recorded12
- 7(a) gross approval dollars$3.3 m
- Average 7(a) approval$277,008
- Median 7(a) approval$92,200
- Largest single approval$1,689,000
- Jobs reported supported, 7(a)63
- Jobs per approval5.3
- Distinct 7(a) lenders active2
- Distinct industries receiving approvals11
- Median 7(a) term102 months
- Share of loans on real estate terms, 240 months or longer16.7 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter9
- Franchise loans0
- Franchise share of approvals0.0 percent
- Most active lenderSt. Clair County State Bank (11)
- 504 approvals recorded1
- 504 gross approval dollars$646,000
- Average 504 approval$646,000
- Median 504 approval$646,000
- Distinct CDCs active1
- 504 jobs per approval0.0
- 504 jobs per million dollars approved0.0
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$4.0 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.
St. Clair County
SBA loan default and charge-off rates in St. Clair County
Do SBA loans in St. Clair County get paid back?
- Loans with a final outcome recorded6
- Paid in full6
- Charged off0
- Status: Paid in full6
- Status: Exempt from disclosure6
Only 6 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.
St. Clair County
SBA lending by place in St. Clair County
- Borrower cities with recorded lending4
- Osceola, approvals6
- Collins, approvals4
- Lowry City, approvals1
- Appleton City, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Osceola | 6 | $2,272,500 |
| Collins | 4 | $699,600 |
| Lowry City | 1 | $345,000 |
| Appleton City | 1 | $7,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
St. Clair County
How large is St. Clair County?
- Land area670 sq mi
- Rank by land area among Missouri counties38th of 115
- Width, east to west30.6 mi
- Height, north to south26.7 mi
- Geographies sharing a boundary7
- Residents per square mile of land14
- Establishments per square mile0.24
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.
St. Clair County
Flood risk in St. Clair County
- Participation of the county's own NFIP community St. Clair County, unincorporated areasNot participating, community 290831
- Communities in the county in the NFIP Community Status Book3
- Of those, participating in the NFIP0
- NFIP participation rate0.0 percent
- Communities carrying a CRS class0
- Radon levels in St. Clair 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 St. Clair County (community 290831), does not participate in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places St. Clair 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. 0.0 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 St. Clair 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 St. Clair County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-20249,587
- Households4,071
- Average household size2.35
- Median household income$53,043
- Median age46.1
Common questions
St. Clair County questions, answered from the record.
How many people live in St. Clair County, Missouri?
The Census Bureau estimates 9,848 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 9,587, in 4,071 households, ranking 88th of 115 Missouri counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is St. Clair County's population growing?
The population has grown 6.10 percent since the 2020 census base of 9,282, to 9,848 on July 1, 2024. In 2024 there were 117 births against 144 deaths, with net migration of 134. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in St. Clair County?
$53,043. The median owner-occupied home is valued at $157,100, which is 3.0 times income, and median gross rent is $622 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in St. Clair County?
161 establishments, employing 1,222 people with an annual payroll of $52.9 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 St. Clair County?
Health care and social assistance is the largest private sector at 399 jobs, 23.3 percent of covered employment. Covered employment averages 1,710 jobs at an average annual pay of $39,737, or $764 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in St. Clair County?
12 7(a) approvals totaling $3.3 m since FY2020, across 2 lenders, with a median approval of $92,200, plus 1 504 approvals worth $646,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in St. Clair County?
12 housing units were authorized by permit in 2024, with a declared construction value of $2.0 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for St. Clair 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 St. Clair County come from?
The largest single origin is Henry County, with 49 households. Arriving households report an average income of $43,752 against $38,411 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for St. Clair 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 St. Clair 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.
St. Clair County
Cities and places in St. Clair.
7 Census places lie wholly or partly in St. Clair County. All 7 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 |
|---|---|---|---|---|
| Appleton City | city | 1,221 | 1 | Wholly in this county |
| Osceola | city | 1,042 | 6 | Wholly in this county |
| Lowry City | city | 618 | 1 | Wholly in this county |
| Roscoe | village | 101 | None recorded | Wholly in this county |
| Collins | village | 76 | 4 | Wholly in this county |
| Vista | village | 46 | None recorded | Wholly in this county |
| Gerster | town | 7 | None recorded | Wholly in this county |
Nearby