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Kentucky commercial real estate data, county by county.

The Census Bureau estimates 4,588,372 residents in Kentucky on July 1, 2024. Every one of its 120 county-equivalents has a data page built from federal sources, each figure carrying its publisher and the period it describes.

Population, July 1, 2024
4,588,372
Households
1,814,469
Median household income
$63,726
Gross domestic product, 2025
$306.90 bn
Unemployment rate
4.7 percent

Census Bureau population estimates and 2020 Census

How many people live in Kentucky, and is the population growing?

  • Population, July 1, 20244,588,372
  • Population, April 1, 2020 estimates base4,506,302
  • Change since the 2020 base1.82 percent
  • Rank by population among the 50 states and DC26th of 51
  • Rank by growth since 2020 among the 50 states and DC29th of 51
  • Share of residents in urban areas, 202058.7 percent

Net domestic and international migration, by year to July 1

  • 2021: domestic +2,704, international +1,755
  • 2022: domestic +10,439, international +11,149
  • 2023: domestic +7,297, international +26,161
  • 2024: domestic +7,294, international +31,430

Change since 2020 is MMCG Analytics arithmetic on the two published estimates; ranks order the 50 states and the District of Columbia by the published figure; the urban share divides the published urban count by the published total.

US Census Bureau, Population Estimates Program, Vintage 2024. US Census Bureau, 2020 Census Demographic and Housing Characteristics, table P2. Underlined figures are computed by MMCG Analytics; the rest are the agency's own figures for Kentucky.

Census Bureau American Community Survey

Who lives in Kentucky?

  • Households1,814,469
  • Median household income$63,726
  • Median age39.1 years
  • Residents under 1822.6 percent
  • Residents 65 and over17.3 percent
  • Adults 25 and over with a bachelor's degree or higher27.6 percent
  • Median home value$205,600
  • Median gross rent, per month$967

The three shares are MMCG Analytics arithmetic on published counts: the survey's age groups under 18 and 65 and over, and its degree counts, each divided by the published total.

US Census Bureau, American Community Survey 5-year estimates, 2020 to 2024. Underlined figures are computed by MMCG Analytics; the rest are the agency's own figures for Kentucky.

Bureau of Labor Statistics, Local Area Unemployment Statistics

How many people are working in Kentucky?

  • Labor force2,109,516
  • Employed2,010,261
  • Unemployed99,255
  • Unemployment rate4.7 percent

US Bureau of Labor Statistics, Local Area Unemployment Statistics, August 2026, preliminary. Underlined figures are computed by MMCG Analytics; the rest are the agency's own figures for Kentucky.

Bureau of Economic Analysis, gross domestic product by state

How large is the Kentucky economy?

  • Gross domestic product, 2025$306.90 bn
  • Gross domestic product, 2024$295.38 bn
  • Gross domestic product, 2023$283.27 bn
  • Gross domestic product, 2022$262.59 bn
  • Gross domestic product, 2021$238.69 bn
  • Rank by 2025 gross domestic product among the 50 states and DC29th of 51

The rank orders the 50 states and the District of Columbia by the published figure.

US Bureau of Economic Analysis, Regional accounts, table SAGDP2, 2021 to 2025. Underlined figures are computed by MMCG Analytics; the rest are the agency's own figures for Kentucky.

SBA 7(a) and 504 loan records

How active is SBA lending in Kentucky?

  • 7(a) loans approved, FY2020 to FY20263,106
  • 7(a) approval dollars, FY2020 to FY2026$1.47 bn
  • Rank by 7(a) loan count among the 50 states and DC, FY2020 to FY202631st of 51
  • 504 loans approved, FY2010 to FY2026579
  • 504 approval dollars, FY2010 to FY2026$421.4 m
  • Rank by 504 loan count among the 50 states and DC, FY2010 to FY202639th of 51

Most active 7(a) lenders, by loans approved, FY2020 to FY2026

  • The Huntington National Bank: 405 loans
  • Community Trust Bank, Inc.: 373 loans
  • U.S. Bank, National Association: 352 loans
  • Republic Bank & Trust Company: 215 loans
  • Stock Yards Bank & Trust Company: 210 loans

Most active Certified Development Companies, by 504 loans, FY2010 to FY2026

  • Community Ventures Corporation: 197 loans
  • Capital Access Corporation - Kentucky: 179 loans
  • Alloy Development Co., Inc.: 107 loans
  • Purchase Area Development District: 48 loans
  • Premier Capital Corporation: 35 loans

Industries with the most 7(a) loans, FY2020 to FY2026

  • Full-Service Restaurants: 134 loans
  • Limited-Service Restaurants: 115 loans
  • Plumbing, Heating, and Air-Conditioning Contractors: 77 loans
  • General Freight Trucking, Long-Distance, Truckload: 71 loans
  • Residential Remodelers: 66 loans

Every figure here is MMCG Analytics arithmetic over the SBA's loan-level records whose project state is Kentucky: counts of records, sums of the gross approval amount, and ranks among the 50 states and the District of Columbia. These are approvals, not disbursements or balances.

US Small Business Administration, 7(a) FOIA loan records, FY2020 to FY2026, records as of 2026-06-30. US Small Business Administration, 504 FOIA loan records, FY2010 to FY2026, records as of 2026-06-30. Underlined figures are computed by MMCG Analytics; the rest are the agency's own figures for Kentucky.

FEMA NFIP Community Status Book and EPA radon zones

How do flood insurance and radon screening stand in Kentucky?

  • Communities participating in the NFIP360
  • Communities earning a Community Rating System discount, classes 1 to 933
  • Counties in EPA radon zone 1, the highest predicted level30
  • Counties in EPA radon zone 282
  • Counties in EPA radon zone 38

Communities by Community Rating System class (class 1 earns the largest discount, class 10 none)

  • Class 3: 1
  • Class 6: 1
  • Class 7: 5
  • Class 8: 13
  • Class 9: 13
  • Class 10: 10

Every figure here is MMCG Analytics counting over the agency's own list: FEMA's community rows for the state, and the state's county records by EPA radon zone. Radon zones are county-wide predictions, never a site measurement.

FEMA, NFIP Community Status Book, as of 2026-09-26. US EPA, Map of Radon Zones, 2024-05 publication, EPA 402/A-16/001. Underlined figures are computed by MMCG Analytics; the rest are the agency's own figures for Kentucky.

What do jobs in Kentucky pay, county by county?

  • Combined county product, 2024$295.38 bn
  • Covered employment, summed over counties1,949,539
  • Average annual pay, weighted by county employment$59,941

The average annual pay of $59,941 is weighted by each county's covered employment, not averaged across counties, so a large labor market counts for more than a small one.

US Bureau of Economic Analysis, Regional, table CAGDP2, through 2024. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. Every figure in this section is computed by MMCG Analytics from the county records on this site.

How many businesses are in Kentucky?

  • Business establishments, summed over counties93,602
  • Establishments per 1,000 residents of those counties20.6
  • Employment at those establishments1,671,816
  • Annual payroll$91.41 bn

US Census Bureau, County Business Patterns, 2023. Every figure in this section is computed by MMCG Analytics from the county records on this site.

Building permits in Kentucky

  • Housing units permitted, summed over counties16,264
  • Permitted construction value$3.40 bn
  • Units permitted per 1,000 households9.0

US Census Bureau, Building Permits Survey, 2024 annual. Every figure in this section is computed by MMCG Analytics from the county records on this site.

SBA loan charge-off rates in Kentucky

  • 7(a) charge-off rate over resolved loans6.10 percent
  • Resolved 7(a) loans behind that rate704
  • 7(a) loans charged off43
  • 504 charge-off rate over resolved loans5.00 percent
  • Resolved 504 loans behind that rate222
  • 504 loans charged off11

Of the 704 Kentucky 7(a) loans that have reached a final outcome, 6.10 percent were charged off. The rate is taken over loans resolved in a window starting in FY2020, so it leans toward early outcomes and is not a lifetime loss rate.

Compare against the national and state SBA charge-off rates →

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. Every figure in this section is computed by MMCG Analytics from the county records on this site.

How large is Kentucky?

  • Land area, summed over counties39,485 sq mi
  • County-equivalents120
  • People per square mile, county records115

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. Every figure in this section is computed by MMCG Analytics from the county records on this site.

Which are the largest counties in Kentucky?

Kentucky county-equivalents by population, with the figures a site search compares them on
GeographyPopulationMedian incomeEstablishmentsCounty GDPSBA approvals
Jefferson County783,022$69,86620,164$78.80 bn966
Fayette County323,725$69,4799,295$28.91 bn366
Kenton County171,288$80,5483,297$12.39 bn267
Warren County140,918$65,7943,076$11.13 bn114
Boone County139,841$99,4143,163$16.78 bn221
Hardin County111,942$67,6472,253$7.34 bn62
Daviess County103,648$68,2142,385$6.15 bn90
Madison County95,769$63,3511,808$4.44 bn72
Campbell County93,426$77,5671,743$5.05 bn118
Bullitt County84,027$80,5581,308$3.82 bn57

Counties

All 120 Kentucky county-equivalents, resolved locally.

Kentucky counties. Select a county to open its site intelligence page.Ohio CountyOwen CountyOwsley CountyPulaski CountyScott CountyTodd CountyWashington CountyAllen CountyBarren CountyBourbon CountyBreathitt CountyButler CountyCarter CountyClinton CountyElliott CountyGallatin CountyGreen CountyHart CountyHenry CountyJohnson CountyKnox CountyLincoln CountyLyon CountyMadison CountyMarshall CountyMetcalfe CountyMorgan CountyJefferson CountyJessamine CountyLarue CountyLee CountyLewis CountyLivingston CountyMcCracken CountyMagoffin CountyMartin CountyMercer CountyMonroe CountyMontgomery CountyNelson CountyPendleton CountyPerry CountyRobertson CountyRowan CountyRussell CountyTaylor CountyTrigg CountyWayne CountyWebster CountyWolfe CountyWoodford CountyBath CountyBell CountyBoone CountyBreckinridge CountyBullitt CountyCalloway CountyCarlisle CountyCarroll CountyCasey CountyCumberland CountyEstill CountyFayette CountyFloyd CountyGarrard CountyGraves CountyGrayson CountyHancock CountyHarrison CountyHenderson CountyHopkins CountyAdair CountyAnderson CountyBallard CountyBoyd CountyCampbell CountyClark CountyEdmonson CountyFleming CountyGrant CountyHardin CountyJackson CountyLaurel CountyLeslie CountyMcCreary CountyMenifee CountyNicholas CountyOldham CountyPowell CountyRockcastle CountySpencer CountyWarren CountyWhitley CountyKnott CountyLawrence CountyLetcher CountyLogan CountyMcLean CountyMarion CountyMeade CountyMuhlenberg CountyMason CountyHickman CountyCaldwell CountyKenton CountyClay CountyPike CountyShelby CountySimpson CountyTrimble CountyUnion CountyBoyle CountyBracken CountyChristian CountyCrittenden CountyDaviess CountyFranklin CountyFulton CountyGreenup CountyHarlan County

Select a county

Every county opens a page carrying its own demographics, growth and migration, economic output, employment and wages, business establishments by industry, construction, SBA lending and charge off record, geography and hazard.

Kentucky counties: population, income, establishments and SBA activity
GeographyPopulationMedian incomeEstablishmentsCounty GDPSBA approvalsLand area, sq mi
Adair County19,089$53,553331$570.2 m6405
Allen County21,293$61,403256$616.4 m11344
Anderson County24,353$74,488352$814.7 m24202
Ballard County7,654$66,164155$354.2 m1247
Barren County44,938$50,628853$1.87 bn23488
Bath County12,851$56,541149$260.7 m4279
Bell County23,509$31,354436$997.4 m8359
Boone County139,841$99,4143,163$16.78 bn221246
Bourbon County20,240$61,354382$1.31 bn19290
Boyd County47,911$61,1181,169$3.76 bn35160
Boyle County30,941$61,159780$1.76 bn15180
Bracken County8,444$66,31998$219.5 m8206
Breathitt County13,276$34,808149$306.9 m3492
Breckinridge County20,881$55,843283$540.7 m3567
Bullitt County84,027$80,5581,308$3.82 bn57297
Butler County12,393$56,092190$409.3 m3426
Caldwell County12,618$59,583266$543.0 m5345
Calloway County38,224$52,706906$1.91 bn23385
Campbell County93,426$77,5671,743$5.05 bn118151
Carlisle County4,762$62,43980$264.6 m2189
Carroll County10,954$56,466233$2.46 bn11129
Carter County26,341$51,235389$670.6 m4409
Casey County15,914$45,510235$480.0 m1444
Christian County72,069$55,4941,290$7.87 bn28718
Clark County37,192$64,348784$2.04 bn28252
Clay County19,921$40,900229$454.8 m4469
Clinton County9,202$44,844175$465.7 m2197
Crittenden County8,979$46,656143$246.1 m1360
Cumberland County5,948$40,000104$252.9 mNone recorded305
Daviess County103,648$68,2142,385$6.15 bn90458
Edmonson County12,355$54,937130$250.3 m4303
Elliott County7,307$45,77638$110.1 mNone recorded234
Estill County14,035$46,051179$291.9 m2253
Fayette County323,725$69,4799,295$28.91 bn366284
Fleming County15,323$49,307255$434.8 m13349
Floyd County35,224$41,279700$1.40 bn19393
Franklin County51,842$65,2981,278$4.57 bn20208
Fulton County6,409$38,217105$286.3 m1206
Gallatin County8,769$63,34684$461.4 m3101
Garrard County17,568$63,087251$431.8 m11230
Grant County25,418$69,178386$784.0 m18258
Graves County36,630$50,772668$1.75 bn26552
Grayson County26,707$50,757431$996.8 m8497
Green County11,369$46,798179$238.9 m3286
Greenup County35,501$60,751466$1.08 bn12344
Hancock County9,034$65,464136$899.7 m1188
Hardin County111,942$67,6472,253$7.34 bn62623
Harlan County25,772$41,693370$759.8 m1466
Harrison County19,140$66,442297$710.3 m16306
Hart County19,603$52,285276$843.3 m2412
Henderson County44,280$58,851966$2.76 bn24437
Henry County15,856$63,347212$476.3 m11286
Hickman County4,439$60,86768$280.4 m1242
Hopkins County45,119$56,815882$2.66 bn13542
Jackson County13,086$40,000109$206.9 mNone recorded345
Jefferson County783,022$69,86620,164$78.80 bn966380
Jessamine County54,588$74,5761,353$3.05 bn64172
Johnson County22,334$44,904351$619.4 m8262
Kenton County171,288$80,5483,297$12.39 bn267160
Knott County13,830$41,761155$273.8 m1352
Knox County29,865$32,527449$836.8 m13386
Larue County15,107$67,067221$313.9 m2262
Laurel County62,983$57,7711,272$2.97 bn33434
Lawrence County16,077$46,772207$538.7 m7416
Lee County7,339$37,56890$160.5 m1209
Leslie County10,079$35,93488$196.8 m5401
Letcher County20,808$41,793277$538.8 m6338
Lewis County12,965$46,838114$251.8 m1483
Lincoln County24,504$52,440304$595.6 m8334
Livingston County8,903$58,984136$519.3 m2313
Logan County27,986$60,382486$1.33 bn8552
Lyon County8,900$65,066171$332.3 m2214
Madison County95,769$63,3511,808$4.44 bn72437
Magoffin County11,348$33,080156$212.5 m3308
Marion County19,749$59,627353$1.28 bn11343
Marshall County31,743$65,831734$1.76 bn23301
Martin County11,027$37,042137$290.3 m2230
Mason County16,956$52,178404$1.54 bn15240
McCracken County67,564$64,3732,061$6.99 bn66249
McCreary County16,867$33,750157$348.9 m2427
McLean County9,114$65,596161$345.2 m2252
Meade County30,158$74,355362$1.00 bn11305
Menifee County6,230$45,09660$115.0 m1204
Mercer County23,028$64,824359$1.15 bn16249
Metcalfe County10,425$51,473118$254.0 m1290
Monroe County11,269$51,280209$454.6 m4329
Montgomery County28,395$56,396560$1.38 bn32197
Morgan County14,053$47,913160$377.7 m3381
Muhlenberg County30,591$51,927537$1.54 bn8467
Nelson County47,606$69,5621,023$2.39 bn31418
Nicholas County7,708$59,53182$130.6 mNone recorded195
Ohio County23,735$57,798371$1.08 bn2587
Oldham County69,257$122,4971,404$3.01 bn80187
Owen County11,330$61,134133$262.7 m4351
Owsley County3,971$22,18842$68.9 m1197
Pendleton County14,723$64,669172$410.9 m9277
Perry County27,499$42,181556$1.29 bn1340
Pike County56,727$44,3121,109$2.67 bn61787
Powell County13,038$40,309212$336.7 m5179
Pulaski County65,897$51,8981,454$3.03 bn31658
Robertson County2,283$51,83024$41.7 m1100
Rockcastle County16,163$48,862209$431.6 m4317
Rowan County24,578$54,321532$1.07 bn10280
Russell County18,221$44,738353$1.05 bn2254
Scott County59,536$85,1581,058$4.50 bn62282
Shelby County49,096$82,6041,129$2.41 bn80380
Simpson County19,972$59,858422$1.23 bn14234
Spencer County20,193$102,618255$444.7 m16187
Taylor County26,397$60,456631$1.16 bn8266
Todd County12,469$61,103208$568.8 m4374
Trigg County14,315$59,857231$464.9 m6441
Trimble County8,550$66,02786$735.7 m4152
Union County13,260$60,327249$1.15 bn4343
Warren County140,918$65,7943,076$11.13 bn114542
Washington County12,140$61,616251$468.0 m1297
Wayne County19,602$45,739284$560.2 m5458
Webster County12,842$59,628202$539.4 m1332
Whitley County36,920$44,615629$1.56 bn13438
Wolfe County6,443$30,41796$157.4 mNone recorded222
Woodford County27,279$83,788618$1.64 bn50189

A statement appears on this page only where a published document, or arithmetic over published data, supports it. How this page was built →

Questions

Kentucky questions, answered from this page.

What is the population of Kentucky?

The Census Bureau estimates 4,588,372 residents on July 1, 2024 (Population Estimates Program, Vintage 2024).

What is the unemployment rate in Kentucky?

4.7 percent in August 2026, preliminary, seasonally adjusted, as published by the Bureau of Labor Statistics.

How many SBA 7(a) loans were approved in Kentucky?

3,106 loans with a project in Kentucky, counted by MMCG Analytics from the SBA's 7(a) loan records, FY2020 to FY2026, records as of 2026-06-30.

How many counties does Kentucky have?

120. Each has a page on this site covering population, income, business establishments, employment and wages, building permits, SBA lending and hazard records.

The register

Every source behind this page and its 120 county pages.

SourcePeriod coveredLicense
US Census Bureau, Population Estimates Program, Vintage 2024, state totals (NST-EST2024-ALLDATA)Vintage 2024Public domain
US Census Bureau, American Community Survey 5-year estimates, state tables B01001, B01002, B01003, B11001, B15003, B19013, B25064, B250772020 to 2024, 5-yearPublic domain
US Census Bureau, 2020 Census Demographic and Housing Characteristics File, table P2, urban and rural2020 CensusPublic domain
US Bureau of Economic Analysis, Regional accounts, table SAGDP2, gross domestic product by state, millions of current dollars2021 to 2025Public domain
US Bureau of Labor Statistics, Local Area Unemployment Statistics, statewide series, seasonally adjustedAugust 2026, preliminaryPublic domain
US Small Business Administration, 7(a) FOIA loan-level dataFY2020 to FY2026, records as of 2026-06-30Public domain
US Small Business Administration, 504 FOIA loan-level dataFY2010 to FY2026, records as of 2026-06-30Public domain
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA NfipCommunityStatusBook)as of 2026-09-26Public domain
US Environmental Protection Agency, Map of Radon Zones, county list2024-05 publication, EPA 402/A-16/001Public domain
US Bureau of Economic Analysis, Regional, table CAGDP2CAGDP2, through 2024Public domain
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary verticesTIGER county boundariesPublic domain
US Census Bureau, County Business Patterns2023Public domain
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages2024 annual averagesPublic domain
US Census Bureau, Building Permits Survey2024 annualPublic domain
US Internal Revenue Service, Statistics of Income county migration flows2021 to 2022 filing yearsPublic domain
All statesHow a county page is builtFeasibility studies