Bracken County, Kentucky: commercial real estate data.
Bracken County, Kentucky had an estimated 8,497 residents on July 1, 2024, up 1.1 percent since the 2020 census base of 8,406, across 206 square miles. County output reached $219.5 m in 2024, 98 establishments operate here, and the SBA record carries 8 7(a) approvals worth $971,500 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Bracken County
How many people live in Bracken County
- Population, American Community Survey 2020-20248,444
- Households3,364
- Average household size2.51
- Median household income$66,319
- Median age42.0
- Median gross rent$756 per month
- Median owner-occupied home value$125,000
- Home value to household income1.9 times
- Annual rent as a share of median income13.7 percent
- Adults 25 and over with a bachelor degree or higher17.9 percent
- Adults 25 and over with a graduate degree9.1 percent
- Adults 25 and over5,884
- Population under 181,950
- Share under 1823.1 percent
- Population 65 and over1,533
- Share 65 and over18.2 percent
- Working age population, 18 to 644,961
- Civilian labor force3,967
- Unemployment rate4.8 percent
- Labor force participation, adults 18 and over61.1 percent
- Rank by population among Kentucky counties108th of 120
- Rank by population among US county-equivalents, Puerto Rico included2614th of 3,222
Bracken County is the 108th largest of 120 Kentucky counties by population. A median home costs 1.9 times median household income, which is affordable 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.
Bracken County
Is Bracken County's population growing?
- Population, July 1, 20248,497
- Census 2020 base population8,406
- Population change since the 2020 census base1.08 percent
- Population change, 2023 to 202462
- Births, 202492
- Deaths, 2024115
- Natural change, 2024-23
- Net domestic migration, 202467
- Net international migration, 202417
- Total net migration, 202484
- Cumulative net domestic migration, 2021 to 2024174
- Rank by growth among US county-equivalents1452nd of 3,144
The county has grown 1.08 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Bracken County
Where are people moving to Bracken County from?
- Tax returns filed by households arriving207
- People arriving, from those returns372
- Tax returns filed by households leaving191
- Net household movement16
- Adjusted gross income arriving$8.6 m
- Net adjusted gross income movement$640,000
- Average income of an arriving household$41,377
- Average income of a leaving household$41,492
- Largest single originMason County (44 households)
- Largest single destinationMason County (45 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Mason County | 44 | 83 | $1.7 m |
| Campbell County | 34 | 59 | $1.9 m |
Households arriving report $115 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Mason 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.
Bracken County
What is the Bracken County economy?
- County GDP, 2024$219.5 m
- County GDP, 2023$217.5 m
- GDP change, 2023 to 20240.9 percent
- GDP change over five years31.9 percent
- Rank by GDP among the Kentucky areas BEA publishes110th of 120
- Rank by GDP among the US county areas BEA publishes2869th of 3,127
- GDP per resident$25,994
Output grew 0.9 percent in the latest year and 31.9 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.
Bracken County
Employment by industry in Bracken County
- Covered employment, annual average1,534
- Establishments reporting222
- Average annual pay$47,259
- Average weekly wage$909
- Health care and social assistance, employment259
- Health care and social assistance, average annual pay$64,171
- Accommodation and food services, employment110
- Accommodation and food services, average annual pay$17,389
- Retail trade, employment100
- Retail trade, average annual pay$19,305
- Construction, employment81
- Construction, average annual pay$46,019
- Professional, scientific and technical services, employment44
- Finance and insurance, employment32
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 259 | 74 | $64,171 |
| Accommodation and food services | 110 | 14 | $17,389 |
| Retail trade | 100 | 15 | $19,305 |
| Construction | 81 | 16 | $46,019 |
| Professional, scientific and technical services | 44 | 16 | $57,490 |
| Finance and insurance | 32 | 8 | $43,224 |
| Other services, except public administration | 30 | 16 | $42,121 |
| Administrative and support and waste management services | 15 | 5 | $36,939 |
Health care and social assistance is the largest private sector at 259 jobs, 16.9 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Bracken County
How many businesses are in Bracken County?
- Establishments, all industries98
- Employment at those establishments943
- Annual payroll$38.1 m
- Establishments per 1,000 residents11.6
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.
Bracken County
SBA loans in Bracken County (7(a) and 504)
- 7(a) approvals recorded8
- 7(a) gross approval dollars$971,500
- Average 7(a) approval$121,438
- Median 7(a) approval$45,000
- Largest single approval$618,500
- Jobs reported supported, 7(a)57
- Jobs per approval7.1
- Distinct 7(a) lenders active5
- Distinct industries receiving approvals7
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer0.0 percent
- Loans on real estate terms0
- Loans on working capital terms, 120 months or shorter6
- Franchise loans0
- Franchise share of approvals0.0 percent
- Most active lenderPeoples Bank (3)
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Bracken County
SBA loan default and charge-off rates in Bracken County
Do SBA loans in Bracken County get paid back?
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Exempt from disclosure5
- Status: Cancelled1
- Status: Committed, not yet disbursed1
Only 1 loan has 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.
Bracken County
SBA lending by place in Bracken County
- Borrower cities with recorded lending4
- Brooksville, approvals5
- Foster, approvals1
- Augusta, approvals1
- Germantown, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Brooksville | 5 | $890,500 |
| Foster | 1 | $35,000 |
| Augusta | 1 | $26,000 |
| Germantown | 1 | $20,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Bracken County
How large is Bracken County?
- Land area206 sq mi
- Rank by land area among Kentucky counties98th of 120
- Width, east to west17.6 mi
- Height, north to south19.1 mi
- Geographies sharing a boundary6
- Residents per square mile of land41
- Establishments per square mile0.48
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.
Bracken County
Flood risk in Bracken County
- Participation of the county's own NFIP community Bracken County, unincorporated areasParticipating, community 210021
- Communities in the county in the NFIP Community Status Book2
- Of those, participating in the NFIP2
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 9
- Communities carrying a CRS class1
- Radon levels in Bracken 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 Bracken County (community 210021), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Bracken 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. The best Community Rating System class among the county's communities is 9, which carries a flood insurance premium discount for policies written in that community. 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 Bracken 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 Bracken County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-20248,444
- Households3,364
- Average household size2.51
- Median household income$66,319
- Median age42.0
Common questions
Bracken County questions, answered from the record.
How many people live in Bracken County, Kentucky?
The Census Bureau estimates 8,497 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 8,444, in 3,364 households, ranking 108th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Bracken County's population growing?
The population has grown 1.08 percent since the 2020 census base of 8,406, to 8,497 on July 1, 2024. In 2024 there were 92 births against 115 deaths, with net migration of 84. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Bracken County?
$66,319. The median owner-occupied home is valued at $125,000, which is 1.9 times income, and median gross rent is $756 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Bracken County?
98 establishments, employing 943 people with an annual payroll of $38.1 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 Bracken County?
Health care and social assistance is the largest private sector at 259 jobs, 16.9 percent of covered employment. Covered employment averages 1,534 jobs at an average annual pay of $47,259, or $909 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Bracken County?
8 7(a) approvals totaling $971,500 since FY2020, across 5 lenders, with a median approval of $45,000. These are approvals recorded in the release, not loans disbursed.
What is the radon zone for Bracken 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 Bracken County come from?
The largest single origin is Mason County, with 44 households. Arriving households report an average income of $41,377 against $41,492 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Bracken 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 Bracken 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.
Bracken County
Cities and places in Bracken.
3 Census places lie wholly or partly in Bracken County. All 3 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 |
|---|---|---|---|---|
| Augusta | city | 1,510 | 1 | Wholly in this county |
| Brooksville | city | 883 | 5 | Wholly in this county |
| Germantown | city | 232 | 1 | 80.7 percent here, 19.3 percent Mason County |
A further 1 of the county's 8 SBA 7(a) approvals are to borrowers in cities that match no Census place in Bracken County, the largest being Foster (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