Stone County, Missouri: commercial real estate data.
Stone County, Missouri had an estimated 32,630 residents on July 1, 2024, up 5.0 percent since the 2020 census base of 31,072, across 464 square miles. County output reached $1.13 bn in 2024, 736 establishments operate here, and the SBA record carries 39 7(a) approvals worth $15.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Stone County
How many people live in Stone County
- Population, American Community Survey 2020-202432,048
- Households13,530
- Average household size2.37
- Median household income$63,520
- Median age54.6
- Median gross rent$896 per month
- Median owner-occupied home value$249,000
- Home value to household income3.9 times
- Annual rent as a share of median income16.9 percent
- Adults 25 and over with a bachelor degree or higher24.8 percent
- Adults 25 and over with a graduate degree8.0 percent
- Adults 25 and over24,971
- Population under 185,360
- Share under 1816.7 percent
- Population 65 and over10,255
- Share 65 and over32.0 percent
- Working age population, 18 to 6416,433
- Civilian labor force13,607
- Unemployment rate7.1 percent
- Labor force participation, adults 18 and over51.0 percent
- Rank by population among Missouri counties37th of 115
- Rank by population among US county-equivalents, Puerto Rico included1422nd of 3,222
Stone County is the 37th largest of 115 Missouri counties by population. A median home costs 3.9 times median household income, which is moderately unaffordable by national standards. Residents 65 and over outnumber those under 18, at 32.0 percent against 16.7 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.
Stone County
Is Stone County's population growing?
- Population, July 1, 202432,630
- Census 2020 base population31,072
- Population change since the 2020 census base5.01 percent
- Population change, 2023 to 2024-50
- Births, 2024269
- Deaths, 2024435
- Natural change, 2024-166
- Net domestic migration, 202485
- Net international migration, 202430
- Total net migration, 2024115
- Cumulative net domestic migration, 2021 to 20242,118
- Rank by growth among US county-equivalents530th of 3,144
The county has grown 5.01 percent since the 2020 census base. Deaths exceeded births in 2024 by more than net migration added, so the population fell even though more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Stone County
Where are people moving to Stone County from?
- Tax returns filed by households arriving1,363
- People arriving, from those returns2,763
- Tax returns filed by households leaving1,133
- Net household movement230
- Adjusted gross income arriving$106.5 m
- Net adjusted gross income movement$45.0 m
- Average income of an arriving household$78,139
- Average income of a leaving household$54,242
- Largest single originGreene County (182 households)
- Largest single destinationTaney County (191 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Greene County | 182 | 318 | $11.4 m |
| Taney County | 181 | 363 | $8.7 m |
| Christian County | 136 | 335 | $11.4 m |
| Barry County | 54 | 100 | $3.2 m |
| Lawrence County | 47 | 108 | $2.4 m |
| Jackson County | 21 | 42 | $1.5 m |
| St. Louis County | 20 | 40 | $3.6 m |
Households arriving report $23,897 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 Greene 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.
Stone County
What is the Stone County economy?
- County GDP, 2024$1.13 bn
- County GDP, 2023$1.08 bn
- GDP change, 2023 to 20244.7 percent
- GDP change over five years53.4 percent
- Rank by GDP among the Missouri areas BEA publishes46th of 115
- Rank by GDP among the US county areas BEA publishes1744th of 3,127
- GDP per resident$35,313
Output grew 4.7 percent in the latest year and 53.4 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.
Stone County
Employment by industry in Stone County
- Covered employment, annual average7,300
- Establishments reporting851
- Average annual pay$38,944
- Average weekly wage$749
- Arts, entertainment and recreation, employment1,473
- Arts, entertainment and recreation, average annual pay$34,476
- Retail trade, employment1,139
- Retail trade, average annual pay$34,783
- Accommodation and food services, employment1,054
- Accommodation and food services, average annual pay$28,771
- Construction, employment633
- Construction, average annual pay$50,354
- Administrative and support and waste management services, employment456
- Other services, except public administration, employment270
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Arts, entertainment and recreation | 1,473 | 24 | $34,476 |
| Retail trade | 1,139 | 112 | $34,783 |
| Accommodation and food services | 1,054 | 104 | $28,771 |
| Construction | 633 | 135 | $50,354 |
| Administrative and support and waste management services | 456 | 44 | $37,281 |
| Other services, except public administration | 270 | 50 | $34,711 |
| Manufacturing | 145 | 24 | $44,810 |
| Finance and insurance | 135 | 34 | $49,157 |
Arts, entertainment and recreation is the largest private sector at 1,473 jobs, 20.2 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Stone County
How many businesses are in Stone County?
- Establishments, all industries736
- Employment at those establishments5,681
- Annual payroll$206.6 m
- Establishments per 1,000 residents23.0
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.
Stone County
Building permits in Stone County
- Housing units authorized by permit, 2024195
- Declared construction value permitted$76.8 m
- Single family units authorized191
- Multifamily units authorized4
- Multifamily share of units2.1 percent
- Average declared value per unit$393,944
- Units authorized per 1,000 households14.4
Single-family homes are 97.9 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Stone County
SBA loans in Stone County (7(a) and 504)
- 7(a) approvals recorded39
- 7(a) gross approval dollars$15.9 m
- Average 7(a) approval$408,426
- Median 7(a) approval$200,000
- 10th percentile approval$20,000
- 90th percentile approval$1,114,500
- Largest single approval$2,790,000
- Jobs reported supported, 7(a)274
- Jobs per approval7.0
- Distinct 7(a) lenders active17
- Distinct industries receiving approvals30
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer25.6 percent
- Loans on real estate terms10
- Loans on working capital terms, 120 months or shorter23
- Franchise loans5
- Franchise share of approvals12.8 percent
- Leading industry by approval countAll Other Specialty Trade Contractors (5)
- Most active lenderBranson Bank (8)
- 504 approvals recorded14
- 504 gross approval dollars$12.5 m
- Average 504 approval$892,571
- Median 504 approval$486,000
- Distinct CDCs active1
- 504 jobs per approval2.4
- 504 jobs per million dollars approved2.6
- Most active CDCRural Missouri, Inc. (14)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$28.4 m
The average approval of $408,426 sits well above the median of $200,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 25.6 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.
Stone County
SBA loan default and charge-off rates in Stone County
Do SBA loans in Stone County get paid back?
- Loans with a final outcome recorded10
- Paid in full10
- Charged off0
- Status: Paid in full10
- Status: Exempt from disclosure25
- Status: Cancelled4
Only 10 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.
Stone County
SBA lending by place in Stone County
- Borrower cities with recorded lending9
- Reeds Spring, approvals8
- Kimberling City, approvals6
- Branson West, approvals5
- Lampe, approvals5
- Branson, approvals4
- Blue Eye, approvals4
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Reeds Spring | 8 | $3,631,100 |
| Kimberling City | 6 | $3,855,000 |
| Branson West | 5 | $1,720,800 |
| Lampe | 5 | $1,531,700 |
| Branson | 4 | $1,365,600 |
| Blue Eye | 4 | $574,500 |
| Crane | 3 | $1,719,000 |
| Galena | 2 | $1,236,900 |
| 1 other borrower city | 2 | $294,000 |
Reeds Spring accounts for 8 approvals against 6 in Kimberling City. 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.
Stone County
How large is Stone County?
- Land area464 sq mi
- Rank by land area among Missouri counties93rd of 115
- Width, east to west17 mi
- Height, north to south34.3 mi
- Geographies sharing a boundary5
- Residents per square mile of land69
- Establishments per square mile1.59
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.
Stone County
Flood risk in Stone County
- Participation of the county's own NFIP community Stone County, unincorporated areasParticipating, community 290429
- Communities in the county in the NFIP Community Status Book11
- Of those, participating in the NFIP7
- NFIP participation rate63.6 percent
- Communities carrying a CRS class0
- Radon levels in Stone 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 Stone County (community 290429), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Stone 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. 63.6 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 Stone 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 Stone County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202432,048
- Households13,530
- Average household size2.37
- Median household income$63,520
- Median age54.6
Common questions
Stone County questions, answered from the record.
How many people live in Stone County, Missouri?
The Census Bureau estimates 32,630 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 32,048, in 13,530 households, ranking 37th of 115 Missouri counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Stone County's population growing?
The population has grown 5.01 percent since the 2020 census base of 31,072, to 32,630 on July 1, 2024. In 2024 there were 269 births against 435 deaths, with net migration of 115. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Stone County?
$63,520. The median owner-occupied home is valued at $249,000, which is 3.9 times income, and median gross rent is $896 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Stone County?
736 establishments, employing 5,681 people with an annual payroll of $206.6 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 Stone County?
Arts, entertainment and recreation is the largest private sector at 1,473 jobs, 20.2 percent of covered employment. Covered employment averages 7,300 jobs at an average annual pay of $38,944, or $749 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Stone County?
39 7(a) approvals totaling $15.9 m since FY2020, across 17 lenders, with a median approval of $200,000, plus 14 504 approvals worth $12.5 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Stone County?
195 housing units were authorized by permit in 2024, with a declared construction value of $76.8 m. Multifamily was 2.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Stone 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 Stone County come from?
The largest single origin is Greene County, with 182 households. Arriving households report an average income of $78,139 against $54,242 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Stone 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 Stone 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.
Stone County
Cities and places in Stone.
11 Census places lie wholly or partly in Stone County. All 11 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 |
|---|---|---|---|---|
| Kimberling City | city | 2,476 | 6 | Wholly in this county |
| Crane | city | 1,760 | 3 | Wholly in this county |
| Shell Knob | CDP | 1,486 | None recorded | 26.3 percent here, 73.7 percent Barry County |
| Reeds Spring | city | 1,112 | 8 | Wholly in this county |
| Galena | city | 550 | 2 | Wholly in this county |
| Branson West | city | 536 | 5 | Wholly in this county |
| Blue Eye | town | 446 | 4 | Wholly in this county |
| Indian Point | village | 387 | None recorded | Wholly in this county |
| McCord Bend | village | 138 | None recorded | Wholly in this county |
| Hurley | city | 98 | None recorded | Wholly in this county |
| Coney Island | village | 81 | None recorded | Wholly in this county |
A further 11 of the county's 39 SBA 7(a) approvals are to borrowers in cities that match no Census place in Stone County, the largest being Lampe (5), Branson (4), Cape Fair (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