HomeKentuckyBreckinridge County
Breckinridge County, Kentucky: commercial real estate data.
Breckinridge County, Kentucky had an estimated 21,221 residents on July 1, 2024, up 3.9 percent since the 2020 census base of 20,432, across 567 square miles. County output reached $540.7 m in 2024, 283 establishments operate here, and the SBA record carries 3 7(a) approvals worth $180,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Breckinridge County
How many people live in Breckinridge County
- Population, American Community Survey 2020-202420,881
- Households8,069
- Average household size2.59
- Median household income$55,843
- Median age42.5
- Median gross rent$733 per month
- Median owner-occupied home value$156,700
- Home value to household income2.8 times
- Annual rent as a share of median income15.8 percent
- Adults 25 and over with a bachelor degree or higher14.2 percent
- Adults 25 and over with a graduate degree4.7 percent
- Adults 25 and over14,440
- Population under 184,768
- Share under 1822.8 percent
- Population 65 and over4,260
- Share 65 and over20.4 percent
- Working age population, 18 to 6411,853
- Civilian labor force8,829
- Unemployment rate4.5 percent
- Labor force participation, adults 18 and over54.8 percent
- Rank by population among Kentucky counties54th of 120
- Rank by population among US county-equivalents, Puerto Rico included1831st of 3,222
Breckinridge County is the 54th largest of 120 Kentucky counties by population. A median home costs 2.8 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 22.8 percent against 20.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Breckinridge County
Is Breckinridge County's population growing?
- Population, July 1, 202421,221
- Census 2020 base population20,432
- Population change since the 2020 census base3.86 percent
- Population change, 2023 to 2024104
- Births, 2024259
- Deaths, 2024315
- Natural change, 2024-56
- Net domestic migration, 2024156
- Net international migration, 20246
- Total net migration, 2024162
- Cumulative net domestic migration, 2021 to 20241,015
- Rank by growth among US county-equivalents709th of 3,144
The county has grown 3.86 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.
Breckinridge County
Where are people moving to Breckinridge County from?
- Tax returns filed by households arriving562
- People arriving, from those returns1,116
- Tax returns filed by households leaving418
- Net household movement144
- Adjusted gross income arriving$31.3 m
- Net adjusted gross income movement$13.5 m
- Average income of an arriving household$55,747
- Average income of a leaving household$42,639
- Largest single originJefferson County (129 households)
- Largest single destinationHardin County (61 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Jefferson County | 129 | 244 | $8.6 m |
| Meade County | 77 | 148 | $3.3 m |
| Hardin County | 62 | 117 | $3.1 m |
| Grayson County | 40 | 87 | $1.7 m |
| Daviess County | 30 | 56 | $2.4 m |
Households arriving report $13,108 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 Jefferson 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.
Breckinridge County
What is the Breckinridge County economy?
- County GDP, 2024$540.7 m
- County GDP, 2023$515.4 m
- GDP change, 2023 to 20244.9 percent
- GDP change over five years33.5 percent
- Rank by GDP among the Kentucky areas BEA publishes69th of 120
- Rank by GDP among the US county areas BEA publishes2356th of 3,127
- GDP per resident$25,895
Output grew 4.9 percent in the latest year and 33.5 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.
Breckinridge County
Employment by industry in Breckinridge County
- Covered employment, annual average3,722
- Establishments reporting442
- Average annual pay$43,778
- Average weekly wage$842
- Retail trade, employment536
- Retail trade, average annual pay$30,466
- Construction, employment344
- Construction, average annual pay$54,223
- Accommodation and food services, employment264
- Accommodation and food services, average annual pay$19,680
- Manufacturing, employment241
- Manufacturing, average annual pay$55,042
- Wholesale trade, employment226
- Finance and insurance, employment163
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 536 | 61 | $30,466 |
| Construction | 344 | 50 | $54,223 |
| Accommodation and food services | 264 | 21 | $19,680 |
| Manufacturing | 241 | 24 | $55,042 |
| Wholesale trade | 226 | 24 | $58,157 |
| Finance and insurance | 163 | 22 | $61,293 |
| Professional, scientific and technical services | 102 | 30 | $66,247 |
| Other services, except public administration | 62 | 29 | $29,749 |
Retail trade is the largest private sector at 536 jobs, 14.4 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Breckinridge County
How many businesses are in Breckinridge County?
- Establishments, all industries283
- Employment at those establishments2,480
- Annual payroll$97.5 m
- Establishments per 1,000 residents13.6
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.
Breckinridge County
Building permits in Breckinridge County
- Housing units authorized by permit, 20245
- Declared construction value permitted$500,000
- Single family units authorized0
- Multifamily units authorized5
- Multifamily share of units100.0 percent
- Average declared value per unit$100,000
- Units authorized per 1,000 households0.6
Multifamily is 100.0 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Breckinridge County
SBA loans in Breckinridge County (7(a) and 504)
- 7(a) approvals recorded3
- 7(a) gross approval dollars$180,000
- Average 7(a) approval$60,000
- Median 7(a) approval$20,000
- Largest single approval$150,000
- Jobs reported supported, 7(a)3
- Jobs per approval1.0
- Distinct 7(a) lenders active2
- Distinct industries receiving approvals3
- Median 7(a) term84 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 shorter3
- Franchise loans1
- Franchise share of approvals33.3 percent
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Breckinridge County
SBA loan default and charge-off rates in Breckinridge County
Do SBA loans in Breckinridge County get paid back?
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Exempt from disclosure2
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.
Breckinridge County
SBA lending by place in Breckinridge County
- Borrower cities with recorded lending3
- Custer, approvals1
- Union Star, approvals1
- Irvington, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Custer | 1 | $150,000 |
| Union Star | 1 | $20,000 |
| Irvington | 1 | $10,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Breckinridge County
How large is Breckinridge County?
- Land area567 sq mi
- Rank by land area among Kentucky counties6th of 120
- Width, east to west28.8 mi
- Height, north to south33.4 mi
- Geographies sharing a boundary6
- Residents per square mile of land37
- Establishments per square mile0.50
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.
Breckinridge County
Flood risk in Breckinridge County
- Participation of the county's own NFIP community Breckinridge County, unincorporated areasParticipating, community 210025
- Communities in the county in the NFIP Community Status Book4
- Of those, participating in the NFIP4
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Breckinridge 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 Breckinridge County (community 210025), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Breckinridge 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 Breckinridge 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 Breckinridge County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202420,881
- Households8,069
- Average household size2.59
- Median household income$55,843
- Median age42.5
Common questions
Breckinridge County questions, answered from the record.
How many people live in Breckinridge County, Kentucky?
The Census Bureau estimates 21,221 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 20,881, in 8,069 households, ranking 54th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Breckinridge County's population growing?
The population has grown 3.86 percent since the 2020 census base of 20,432, to 21,221 on July 1, 2024. In 2024 there were 259 births against 315 deaths, with net migration of 162. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Breckinridge County?
$55,843. The median owner-occupied home is valued at $156,700, which is 2.8 times income, and median gross rent is $733 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Breckinridge County?
283 establishments, employing 2,480 people with an annual payroll of $97.5 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 Breckinridge County?
Retail trade is the largest private sector at 536 jobs, 14.4 percent of covered employment. Covered employment averages 3,722 jobs at an average annual pay of $43,778, or $842 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Breckinridge County?
3 7(a) approvals totaling $180,000 since FY2020, across 2 lenders, with a median approval of $20,000. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Breckinridge County?
5 housing units were authorized by permit in 2024, with a declared construction value of $500,000. Multifamily was 100.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Breckinridge 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 Breckinridge County come from?
The largest single origin is Jefferson County, with 129 households. Arriving households report an average income of $55,747 against $42,639 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Breckinridge 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 Breckinridge 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.
Breckinridge County
Cities and places in Breckinridge.
3 Census places lie wholly or partly in Breckinridge 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 |
|---|---|---|---|---|
| Hardinsburg | city | 2,327 | None recorded | Wholly in this county |
| Irvington | city | 1,327 | 1 | Wholly in this county |
| Cloverport | city | 1,133 | None recorded | Wholly in this county |
A further 2 of the county's 3 SBA 7(a) approvals are to borrowers in cities that match no Census place in Breckinridge County, the largest being Custer (1), Union Star (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