HomeMontanaFlathead CountyKalispell city
Kalispell city, Montana: commercial real estate data.
Kalispell city 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.
78 sourced place values · tier FULL · 8 sections
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 7(a) lending to Kalispell borrowers
- Approvals125
- Gross approval$55,588,300
- Average approval$444,706
- Median approval$119,000
- Ninetieth percentile approval$1,260,000
- 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
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Kalispell
SBA 504 lending to Kalispell borrowers
- Approvals34
- Gross approval$16,950,000
- Average approval$498,529
- Median approval$342,000
- Largest approval$2,400,000
- Jobs supported190
- Loans with a final outcome10
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term300 months
- Distinct CDCs5
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Flathead County, not Kalispell
Flathead County context, not Kalispell figures
These are Flathead County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Kalispell measurements.
- Establishments in Flathead County5,092
- Employment at those establishments, Flathead County45,165
- Covered employment, Flathead County50,611
- Average annual pay, Flathead County$58,339
- Average weekly wage, Flathead County$1,122
- Housing units permitted, Flathead County286
- Of those, single family, Flathead County198
- County product, 2024, Flathead County$7,210,153,000
- County product change over the prior year, Flathead County7.5 percent
- Average income of an arriving household, Flathead County$125,638
Every figure in this section is published for Flathead County as a whole and is not a measurement of Kalispell. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $55.6 m, across 26 lenders, median approval $119,000, plus 34 504 approvals worth $16.9 m. 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.
Are the county figures on this page Kalispell figures?
No, and they are labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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