HomeMissouriSt. Francois County
St. Francois County, Missouri: commercial real estate data.
St. Francois County, Missouri had an estimated 67,503 residents on July 1, 2024, up 0.9 percent since the 2020 census base of 66,919, across 452 square miles. County output reached $2.45 bn in 2024, 1,438 establishments operate here, and the SBA record carries 50 7(a) approvals worth $24.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
St. Francois County
How many people live in St. Francois County
- Population, American Community Survey 2020-202466,999
- Households24,816
- Average household size2.70
- Median household income$57,477
- Median age39.5
- Median gross rent$794 per month
- Median owner-occupied home value$169,300
- Home value to household income2.9 times
- Annual rent as a share of median income16.6 percent
- Adults 25 and over with a bachelor degree or higher17.3 percent
- Adults 25 and over with a graduate degree6.2 percent
- Adults 25 and over47,231
- Population under 1814,011
- Share under 1820.9 percent
- Population 65 and over11,539
- Share 65 and over17.2 percent
- Working age population, 18 to 6441,449
- Civilian labor force28,493
- Unemployment rate4.5 percent
- Labor force participation, adults 18 and over53.8 percent
- Rank by population among Missouri counties17th of 115
- Rank by population among US county-equivalents, Puerto Rico included819th of 3,222
St. Francois County is the 17th 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 20.9 percent against 17.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
St. Francois County
Is St. Francois County's population growing?
- Population, July 1, 202467,503
- Census 2020 base population66,919
- Population change since the 2020 census base0.87 percent
- Population change, 2023 to 2024409
- Births, 2024630
- Deaths, 2024845
- Natural change, 2024-215
- Net domestic migration, 2024575
- Net international migration, 202448
- Total net migration, 2024623
- Cumulative net domestic migration, 2021 to 20242,137
- Rank by growth among US county-equivalents1524th of 3,144
The county has grown 0.87 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. Francois County
Where are people moving to St. Francois County from?
- Tax returns filed by households arriving1,588
- People arriving, from those returns2,893
- Tax returns filed by households leaving1,609
- Net household movement-21
- Adjusted gross income arriving$71.6 m
- Net adjusted gross income movement$-10.6 m
- Average income of an arriving household$45,071
- Average income of a leaving household$51,047
- Largest single originJefferson County (276 households)
- Largest single destinationJefferson County (213 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Jefferson County | 276 | 518 | $13.6 m |
| Washington County | 168 | 333 | $6.4 m |
| St. Louis County | 131 | 220 | $5.8 m |
| Madison County | 103 | 199 | $3.9 m |
| Iron County | 82 | 156 | $3.6 m |
| Ste. Genevieve County | 82 | 163 | $4.3 m |
| St. Charles County | 40 | 93 | $2.7 m |
| St. Louis city | 39 | 56 | $2.0 m |
Households arriving report $5,976 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Jefferson 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. Francois County
What is the St. Francois County economy?
- County GDP, 2024$2.45 bn
- County GDP, 2023$2.27 bn
- GDP change, 2023 to 20247.8 percent
- GDP change over five years32.5 percent
- Rank by GDP among the Missouri areas BEA publishes23rd of 115
- Rank by GDP among the US county areas BEA publishes1113th of 3,127
- GDP per resident$36,560
Output grew 7.8 percent in the latest year and 32.5 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. Francois County
Employment by industry in St. Francois County
- Covered employment, annual average23,026
- Establishments reporting1,862
- Average annual pay$43,743
- Average weekly wage$841
- Health care and social assistance, employment4,157
- Health care and social assistance, average annual pay$45,888
- Retail trade, employment3,316
- Retail trade, average annual pay$32,228
- Accommodation and food services, employment2,255
- Accommodation and food services, average annual pay$21,233
- Manufacturing, employment1,575
- Manufacturing, average annual pay$52,968
- Finance and insurance, employment1,277
- Construction, employment1,158
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 4,157 | 659 | $45,888 |
| Retail trade | 3,316 | 222 | $32,228 |
| Accommodation and food services | 2,255 | 126 | $21,233 |
| Manufacturing | 1,575 | 51 | $52,968 |
| Finance and insurance | 1,277 | 98 | $61,101 |
| Construction | 1,158 | 150 | $66,321 |
| Other services, except public administration | 700 | 101 | $40,525 |
| Wholesale trade | 652 | 49 | $44,939 |
Health care and social assistance is the largest private sector at 4,157 jobs, 18.1 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
St. Francois County
How many businesses are in St. Francois County?
- Establishments, all industries1,438
- Employment at those establishments17,990
- Annual payroll$714.5 m
- Establishments per 1,000 residents21.5
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. Francois County
Building permits in St. Francois County
- Housing units authorized by permit, 2024149
- Declared construction value permitted$30.6 m
- Single family units authorized85
- Multifamily units authorized64
- Multifamily share of units43.0 percent
- Average declared value per unit$205,066
- Units authorized per 1,000 households6.0
Multifamily is 43.0 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
St. Francois County
SBA loans in St. Francois County (7(a) and 504)
- 7(a) approvals recorded50
- 7(a) gross approval dollars$24.4 m
- Average 7(a) approval$488,640
- Median 7(a) approval$310,000
- 10th percentile approval$50,000
- 90th percentile approval$957,910
- Largest single approval$3,838,900
- Jobs reported supported, 7(a)581
- Jobs per approval11.6
- Distinct 7(a) lenders active20
- Distinct industries receiving approvals39
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer32.0 percent
- Loans on real estate terms16
- Loans on working capital terms, 120 months or shorter30
- Franchise loans4
- Franchise share of approvals8.0 percent
- Most active lenderBelgrade State Bank (15)
- 504 approvals recorded11
- 504 gross approval dollars$5.1 m
- Average 504 approval$463,364
- Median 504 approval$338,000
- Distinct CDCs active4
- 504 jobs per approval5.3
- 504 jobs per million dollars approved11.4
- Most active CDCRural Missouri, Inc. (4)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$29.5 m
The average approval of $488,640 sits well above the median of $310,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. 32.0 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
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. Francois County
SBA loan default and charge-off rates in St. Francois County
Do SBA loans in St. Francois County get paid back?
- Loans with a final outcome recorded12
- Paid in full11
- Charged off1
- Status: Paid in full11
- Status: Exempt from disclosure31
- Status: Cancelled7
- Status: Charged off1
Only 12 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. Francois County
SBA lending by place in St. Francois County
- Borrower cities with recorded lending7
- Farmington, approvals28
- Bonne Terre, approvals8
- Park Hills, approvals7
- Desloge, approvals3
- Bismarck, approvals2
- Leadington, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Farmington | 28 | $12,206,700 |
| Bonne Terre | 8 | $1,487,400 |
| Park Hills | 7 | $6,860,900 |
| Desloge | 3 | $591,000 |
| Bismarck | 2 | $495,000 |
| Leadington | 1 | $1,635,000 |
| Salem | 1 | $1,156,000 |
Farmington accounts for 28 approvals against 8 in Bonne Terre. 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.
St. Francois County
How large is St. Francois County?
- Land area452 sq mi
- Rank by land area among Missouri counties96th of 115
- Width, east to west29.4 mi
- Height, north to south30 mi
- Geographies sharing a boundary6
- Residents per square mile of land148
- Establishments per square mile3.18
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. Francois County
Flood risk in St. Francois County
- Participation of the county's own NFIP community St. Francois County, unincorporated areasParticipating, community 290832
- Communities in the county in the NFIP Community Status Book8
- Of those, participating in the NFIP7
- NFIP participation rate87.5 percent
- Communities carrying a CRS class0
- Radon levels in St. Francois 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. Francois County (community 290832), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places St. Francois 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. 87.5 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. Francois 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. Francois County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202466,999
- Households24,816
- Average household size2.70
- Median household income$57,477
- Median age39.5
Common questions
St. Francois County questions, answered from the record.
How many people live in St. Francois County, Missouri?
The Census Bureau estimates 67,503 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 66,999, in 24,816 households, ranking 17th of 115 Missouri counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is St. Francois County's population growing?
The population has grown 0.87 percent since the 2020 census base of 66,919, to 67,503 on July 1, 2024. In 2024 there were 630 births against 845 deaths, with net migration of 623. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in St. Francois County?
$57,477. The median owner-occupied home is valued at $169,300, which is 2.9 times income, and median gross rent is $794 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in St. Francois County?
1,438 establishments, employing 17,990 people with an annual payroll of $714.5 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. Francois County?
Health care and social assistance is the largest private sector at 4,157 jobs, 18.1 percent of covered employment. Covered employment averages 23,026 jobs at an average annual pay of $43,743, or $841 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in St. Francois County?
50 7(a) approvals totaling $24.4 m since FY2020, across 20 lenders, with a median approval of $310,000, plus 11 504 approvals worth $5.1 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in St. Francois County?
149 housing units were authorized by permit in 2024, with a declared construction value of $30.6 m. Multifamily was 43.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for St. Francois 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. Francois County come from?
The largest single origin is Jefferson County, with 276 households. Arriving households report an average income of $45,071 against $51,047 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. Francois 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. Francois 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. Francois County
Cities and places in St. Francois.
15 Census places lie wholly or partly in St. Francois County. All 15 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 |
|---|---|---|---|---|
| Farmington | city | 18,282 | 28 | Wholly in this county |
| Park Hills | city | 8,678 | 7 | Wholly in this county |
| Bonne Terre | city | 6,683 | 8 | Wholly in this county |
| Desloge | city | 4,863 | 3 | Wholly in this county |
| Terre du Lac | CDP | 2,516 | None recorded | 96.7 percent here, 3.3 percent Washington County |
| Bismarck | city | 1,508 | 2 | Wholly in this county |
| Leadwood | city | 1,354 | None recorded | Wholly in this county |
| Leadington | city | 901 | 1 | Wholly in this county |
| Lake Timberline | CDP | 810 | None recorded | Wholly in this county |
| Iron Mountain Lake | city | 781 | None recorded | Wholly in this county |
| Doe Run | CDP | 775 | None recorded | Wholly in this county |
| Goose Creek Lake | CDP | 481 | None recorded | 67.7 percent here, 32.3 percent Ste. Genevieve County |
| Wortham | CDP | 141 | None recorded | Wholly in this county |
| Frankclay | CDP | 91 | None recorded | Wholly in this county |
| Knob Lick | CDP | 41 | None recorded | Wholly in this county |
A further 1 of the county's 50 SBA 7(a) approvals are to borrowers in cities that match no Census place in St. Francois County, the largest being Salem (1). 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.
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