Warren County, Missouri: commercial real estate data.
Warren County, Missouri had an estimated 38,478 residents on July 1, 2024, up 8.3 percent since the 2020 census base of 35,535, across 429 square miles. County output reached $1.23 bn in 2024, 654 establishments operate here, and the SBA record carries 36 7(a) approvals worth $17.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Warren County
How many people live in Warren County
- Population, American Community Survey 2020-202437,177
- Households13,845
- Average household size2.69
- Median household income$81,209
- Median age40.8
- Median gross rent$995 per month
- Median owner-occupied home value$260,400
- Home value to household income3.2 times
- Annual rent as a share of median income14.7 percent
- Adults 25 and over with a bachelor degree or higher20.2 percent
- Adults 25 and over with a graduate degree5.7 percent
- Adults 25 and over25,802
- Population under 188,595
- Share under 1823.1 percent
- Population 65 and over6,777
- Share 65 and over18.2 percent
- Working age population, 18 to 6421,805
- Civilian labor force18,633
- Unemployment rate3.7 percent
- Labor force participation, adults 18 and over65.2 percent
- Rank by population among Missouri counties32nd of 115
- Rank by population among US county-equivalents, Puerto Rico included1281st of 3,222
Warren County is the 32nd largest of 115 Missouri counties by population. A median home costs 3.2 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 23.1 percent against 18.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Warren County
Is Warren County's population growing?
- Population, July 1, 202438,478
- Census 2020 base population35,535
- Population change since the 2020 census base8.28 percent
- Population change, 2023 to 2024663
- Births, 2024438
- Deaths, 2024397
- Natural change, 202441
- Net domestic migration, 2024618
- Net international migration, 20242
- Total net migration, 2024620
- Cumulative net domestic migration, 2021 to 20242,692
- Rank by growth among US county-equivalents224th of 3,144
The county has grown 8.28 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.
Warren County
Where are people moving to Warren County from?
- Tax returns filed by households arriving1,442
- People arriving, from those returns2,732
- Tax returns filed by households leaving1,077
- Net household movement365
- Adjusted gross income arriving$90.6 m
- Net adjusted gross income movement$29.7 m
- Average income of an arriving household$62,862
- Average income of a leaving household$56,575
- Largest single originSt. Charles County (590 households)
- Largest single destinationSt. Charles County (333 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| St. Charles County | 590 | 1,106 | $41.7 m |
| St. Louis County | 179 | 333 | $13.4 m |
| Lincoln County | 149 | 313 | $7.2 m |
| Franklin County | 69 | 111 | $2.7 m |
| Montgomery County | 52 | 97 | $1.9 m |
| Jefferson County | 25 | 44 | $1.8 m |
| St. Louis city | 23 | 33 | $1.5 m |
| Boone County | 21 | 34 | $929,000 |
Households arriving report $6,287 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 St. Charles 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.
Warren County
What is the Warren County economy?
- County GDP, 2024$1.23 bn
- County GDP, 2023$1.15 bn
- GDP change, 2023 to 20246.8 percent
- GDP change over five years34.9 percent
- Rank by GDP among the Missouri areas BEA publishes40th of 115
- Rank by GDP among the US county areas BEA publishes1686th of 3,127
- GDP per resident$32,981
Output grew 6.8 percent in the latest year and 34.9 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.
Warren County
Employment by industry in Warren County
- Covered employment, annual average8,212
- Establishments reporting760
- Average annual pay$50,631
- Average weekly wage$974
- Manufacturing, employment1,546
- Manufacturing, average annual pay$67,524
- Retail trade, employment960
- Retail trade, average annual pay$32,236
- Construction, employment926
- Construction, average annual pay$60,706
- Health care and social assistance, employment802
- Health care and social assistance, average annual pay$42,835
- Accommodation and food services, employment760
- Transportation and warehousing, employment396
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 1,546 | 39 | $67,524 |
| Retail trade | 960 | 73 | $32,236 |
| Construction | 926 | 136 | $60,706 |
| Health care and social assistance | 802 | 142 | $42,835 |
| Accommodation and food services | 760 | 50 | $22,579 |
| Transportation and warehousing | 396 | 24 | $48,850 |
| Finance and insurance | 257 | 43 | $60,515 |
| Administrative and support and waste management services | 230 | 38 | $39,143 |
Manufacturing is the largest private sector at 1,546 jobs, 18.8 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Warren County
How many businesses are in Warren County?
- Establishments, all industries654
- Employment at those establishments6,953
- Annual payroll$335.8 m
- Establishments per 1,000 residents17.6
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.
Warren County
Building permits in Warren County
- Housing units authorized by permit, 2024424
- Declared construction value permitted$114.0 m
- Single family units authorized254
- Multifamily units authorized170
- Multifamily share of units40.1 percent
- Average declared value per unit$268,812
- Units authorized per 1,000 households30.6
Multifamily is 40.1 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Warren County
SBA loans in Warren County (7(a) and 504)
- 7(a) approvals recorded36
- 7(a) gross approval dollars$17.9 m
- Average 7(a) approval$498,467
- Median 7(a) approval$173,400
- 10th percentile approval$31,100
- 90th percentile approval$1,390,000
- Largest single approval$2,294,000
- Jobs reported supported, 7(a)217
- Jobs per approval6.0
- Distinct 7(a) lenders active17
- Distinct industries receiving approvals27
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer19.4 percent
- Loans on real estate terms7
- Loans on working capital terms, 120 months or shorter25
- Franchise loans3
- Franchise share of approvals8.3 percent
- Leading industry by approval countResidential Remodelers (4)
- Most active lenderU.S. Bank, National Association (10)
- 504 approvals recorded16
- 504 gross approval dollars$5.1 m
- Average 504 approval$320,313
- Median 504 approval$293,500
- Distinct CDCs active4
- 504 jobs per approval5.4
- 504 jobs per million dollars approved16.8
- Most active CDCSt. Charles County Economic Development Council (12)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$23.1 m
The average approval of $498,467 sits well above the median of $173,400, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 19.4 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.
Warren County
SBA loan default and charge-off rates in Warren County
Do SBA loans in Warren County get paid back?
- Loans with a final outcome recorded7
- Paid in full7
- Charged off0
- Status: Exempt from disclosure25
- Status: Paid in full7
- Status: Cancelled2
- Status: Committed, not yet disbursed2
Only 7 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.
Warren County
SBA lending by place in Warren County
- Borrower cities with recorded lending6
- Warrenton, approvals16
- Wright City, approvals9
- Marthasville, approvals7
- Foristell, approvals2
- Truesdale, approvals1
- Jonesburg, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Warrenton | 16 | $7,451,900 |
| Wright City | 9 | $5,143,700 |
| Marthasville | 7 | $1,801,900 |
| Foristell | 2 | $1,228,300 |
| Truesdale | 1 | $2,294,000 |
| Jonesburg | 1 | $25,000 |
Warrenton accounts for 16 approvals against 9 in Wright 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.
Warren County
How large is Warren County?
- Land area429 sq mi
- Rank by land area among Missouri counties101st of 115
- Width, east to west24.8 mi
- Height, north to south30.7 mi
- Geographies sharing a boundary5
- Residents per square mile of land87
- Establishments per square mile1.52
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.
Warren County
Flood risk in Warren County
- Participation of the county's own NFIP community Warren County, unincorporated areasParticipating, community 290443
- Communities in the county in the NFIP Community Status Book7
- Of those, participating in the NFIP7
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Warren 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 Warren County (community 290443), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Warren 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. 100.0 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 Warren 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 Warren County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202437,177
- Households13,845
- Average household size2.69
- Median household income$81,209
- Median age40.8
Common questions
Warren County questions, answered from the record.
How many people live in Warren County, Missouri?
The Census Bureau estimates 38,478 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 37,177, in 13,845 households, ranking 32nd of 115 Missouri counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Warren County's population growing?
The population has grown 8.28 percent since the 2020 census base of 35,535, to 38,478 on July 1, 2024. In 2024 there were 438 births against 397 deaths, with net migration of 620. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Warren County?
$81,209. The median owner-occupied home is valued at $260,400, which is 3.2 times income, and median gross rent is $995 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Warren County?
654 establishments, employing 6,953 people with an annual payroll of $335.8 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 Warren County?
Manufacturing is the largest private sector at 1,546 jobs, 18.8 percent of covered employment. Covered employment averages 8,212 jobs at an average annual pay of $50,631, or $974 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Warren County?
36 7(a) approvals totaling $17.9 m since FY2020, across 17 lenders, with a median approval of $173,400, plus 16 504 approvals worth $5.1 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Warren County?
424 housing units were authorized by permit in 2024, with a declared construction value of $114.0 m. Multifamily was 40.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Warren 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 Warren County come from?
The largest single origin is St. Charles County, with 590 households. Arriving households report an average income of $62,862 against $56,575 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Warren 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 Warren 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.
Warren County
Cities and places in Warren.
8 Census places lie wholly or partly in Warren 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 |
|---|---|---|---|---|
| Warrenton | city | 9,066 | 16 | Wholly in this county |
| Wright City | city | 5,240 | 9 | Wholly in this county |
| Marthasville | city | 2,328 | 7 | Wholly in this county |
| Foristell | city | 1,096 | 2 | 49.2 percent here, 50.8 percent St. Charles County |
| Truesdale | city | 990 | 1 | Wholly in this county |
| Innsbrook | village | 843 | None recorded | Wholly in this county |
| Pendleton | village | 23 | None recorded | Wholly in this county |
| Three Creeks | village | 3 | None recorded | Wholly in this county |
A further 1 of the county's 36 SBA 7(a) approvals are to borrowers in cities that match no Census place in Warren County, the largest being Jonesburg (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.
Nearby