HomeMontanaFlathead CountyKalispell
Kalispell, Montana: commercial real estate data.
Kalispell is a Census city of 28,504 people across 12.91 square miles of land, in Flathead County. Median household income is $63,415, 55.1 percent of occupied homes are owned, and the SBA record carries 125 7(a) approvals to borrowers here worth $55.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Kalispell
What Kalispell is
- Census place typecity
- Land area12.91 sq mi
- Water area0.09 sq mi
- Population per square mile of land2,208
- County holding the largest share of its areaFlathead County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Kalispell
How many people live in Kalispell
- Population28,504
- Median age36.2
- Population under 186,796
- Share under 1823.8 percent
- Population 65 and over5,461
- Share 65 and over19.2 percent
- Households11,795
- Family households6,314
- Share of households that are families53.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Kalispell
Income and work in Kalispell
- Median household income$63,415
- Per capita income$36,679
- Civilian labor force14,539
- Employed14,161
- Unemployed378 plus or minus 129
- Unemployment rate2.6 percent plus or minus 0.9
- Adults 25 and over19,634
- Adults 25 and over with a high school diploma or higher96.3 percent
- Adults 25 and over with a bachelor degree or higher34.8 percent
- Adults 25 and over with a graduate degree12.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Kalispell
Housing in Kalispell
- Housing units12,267
- Occupied units11,795
- Vacant units472 plus or minus 183
- Vacancy rate3.8 percent plus or minus 1.5
- Owner occupied6,500
- Renter occupied5,295
- Ownership rate55.1 percent
- Median owner-occupied home value$428,000
- Median gross rent, monthly$1,078
- Annual rent as a share of median income20.4 percent
- Single family units8,742
- Share single family71.3 percent
- Units in buildings of two or more3,229
- Share in buildings of two or more26.3 percent
- Mobile homes296 plus or minus 122
- Median year structure built1985
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Kalispell
How Kalispell gets to work
- Workers 16 and over who commute12,250
- Commuting under 15 minutes6,642
- Share commuting under 15 minutes54.2 percent
- Commuting 30 minutes or more1,497 plus or minus 346
- Share commuting 30 minutes or more12.2 percent plus or minus 2.8
- Drove alone74.2 percent
- Carpooled9.1 percent plus or minus 2.1
- Public transport0.1 percent plus or minus 0.2
- Walked2.0 percent plus or minus 0.9
- Worked from home12.5 percent plus or minus 2.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Kalispell
SBA loans in Kalispell (7(a))
- Approvals125
- Gross approval$55,588,300
- Average approval$444,706
- Median approval$119,000
- Ninetieth percentile approval$1,238,400
- Largest approval$4,750,000
- Jobs supported1,310
- Jobs per approval10.5
- Loans with a final outcome35
- Paid in full32
- Charged off3
- Charge-off rate over resolved loans8.6 percent
- Median term120 months
- Share on real estate terms of 20 years or more12.8 percent
- Share to franchises16.8 percent
- Distinct lenders26
- Distinct industries by NAICS68
Counted by borrower city: approvals to borrowers whose address is in Kalispell, in any county, FY2020 to FY2026.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Kalispell
SBA loans in Kalispell (504)
- Approvals34
- Gross approval$16,950,000
- Average approval$498,529
- Median approval$338,000
- Largest approval$2,400,000
- Jobs supported190
- Loans with a final outcome10
- Charged off0
- Median term300 months
- Distinct CDCs5
Counted by borrower city: approvals to borrowers whose address is in Kalispell, in any county, FY2010 to FY2026. Only 10 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Kalispell
Flood risk in Kalispell
- NFIP communityCity of Kalispell
- NFIP community number300025
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date11/04/15
The City of Kalispell participates in the National Flood Insurance Program as community 300025 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Flathead County, not Kalispell
Flathead County context, not Kalispell figures
- Establishments in Flathead County5,092
- Covered employment, Flathead County50,611
- Average annual pay, Flathead County$58,339
- Housing units permitted, Flathead County286
Every figure in this section is published for Flathead County as a whole and is not a measurement of Kalispell.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, 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 →
Common questions
Kalispell questions, answered from the record.
How many people live in Kalispell, Montana?
28,504, in 11,795 households. Kalispell city covers 12.91 square miles of land, which is 2,208 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Kalispell in?
Flathead County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Kalispell?
$63,415. The median owner-occupied home is valued at $428,000. Median gross rent is $1,078 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Kalispell businesses?
125 7(a) approvals totaling $55.6 m since FY2020, across 26 lenders, median approval $119,000, plus 34 504 approvals worth $16.9 m since FY2010. These count approvals to borrowers whose address is in Kalispell, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Kalispell borrowers get paid back?
Of the 35 loans that have reached a final outcome, 32 were paid in full and 3 charged off, a charge off rate of 8.6 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Kalispell in the National Flood Insurance Program?
Yes. Kalispell appears in the FEMA Community Status Book as Kalispell, city of, community 300025, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Kalispell figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Flathead County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Kalispell.
Is zoning published for Kalispell?
No. Nothing on this page presents parcel level zoning.
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