Campbell County, Kentucky: commercial real estate data.
Campbell County, Kentucky had an estimated 94,008 residents on July 1, 2024, up 1.0 percent since the 2020 census base of 93,076, across 151 square miles. County output reached $5.05 bn in 2024, 1,743 establishments operate here, and the SBA record carries 90 7(a) approvals worth $34.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Campbell County
How many people live in Campbell County
- Population, American Community Survey 2020-202493,426
- Households39,232
- Average household size2.38
- Median household income$77,567
- Median age39.3
- Median gross rent$1,145 per month
- Median owner-occupied home value$252,000
- Home value to household income3.2 times
- Annual rent as a share of median income17.7 percent
- Adults 25 and over with a bachelor degree or higher39.7 percent
- Adults 25 and over with a graduate degree15.3 percent
- Adults 25 and over66,137
- Population under 1819,222
- Share under 1820.6 percent
- Population 65 and over16,377
- Share 65 and over17.5 percent
- Working age population, 18 to 6457,827
- Civilian labor force50,379
- Unemployment rate4.0 percent
- Labor force participation, adults 18 and over67.9 percent
- Rank by population among Kentucky counties9th of 120
- Rank by population among US county-equivalents, Puerto Rico included654th of 3,222
Campbell County is the 9th largest of 120 Kentucky counties by population. A median home costs 3.2 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 20.6 percent against 17.5 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Campbell County
Is Campbell County's population growing?
- Population, July 1, 202494,008
- Census 2020 base population93,076
- Population change since the 2020 census base1.00 percent
- Population change, 2023 to 2024149
- Births, 2024941
- Deaths, 2024845
- Natural change, 202496
- Net domestic migration, 2024-174
- Net international migration, 2024229
- Total net migration, 202455
- Cumulative net domestic migration, 2021 to 2024114
- Rank by growth among US county-equivalents1486th of 3,144
The county has grown 1.00 percent since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Campbell County
Where are people moving to Campbell County from?
- Tax returns filed by households arriving3,174
- People arriving, from those returns4,902
- Tax returns filed by households leaving3,116
- Net household movement58
- Adjusted gross income arriving$200.1 m
- Net adjusted gross income movement$-10.2 m
- Average income of an arriving household$63,052
- Average income of a leaving household$67,505
- Largest single originKenton County (815 households)
- Largest single destinationKenton County (908 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Kenton County | 815 | 1,328 | $46.8 m |
| Hamilton County | 648 | 910 | $44.0 m |
| Boone County | 324 | 522 | $19.4 m |
| Clermont County | 137 | 212 | $7.5 m |
| Butler County | 75 | 115 | $5.0 m |
| Pendleton County | 63 | 136 | $3.7 m |
| Jefferson County | 52 | 74 | $3.1 m |
| Fayette County | 39 | 52 | $2.4 m |
Households arriving report $4,453 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Kenton 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.
Campbell County
What is the Campbell County economy?
- County GDP, 2024$5.05 bn
- County GDP, 2023$4.80 bn
- GDP change, 2023 to 20245.3 percent
- GDP change over five years40.0 percent
- Rank by GDP among the Kentucky areas BEA publishes10th of 120
- Rank by GDP among the US county areas BEA publishes713th of 3,127
- GDP per resident$54,037
Output grew 5.3 percent in the latest year and 40.0 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.
Campbell County
Employment by industry in Campbell County
- Covered employment, annual average31,709
- Establishments reporting3,434
- Average annual pay$57,401
- Average weekly wage$1,104
- Health care and social assistance, employment4,689
- Health care and social assistance, average annual pay$62,492
- Accommodation and food services, employment4,397
- Accommodation and food services, average annual pay$22,758
- Retail trade, employment4,013
- Retail trade, average annual pay$38,668
- Professional, scientific and technical services, employment2,256
- Professional, scientific and technical services, average annual pay$80,009
- Manufacturing, employment2,033
- Wholesale trade, employment1,310
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 4,689 | 379 | $62,492 |
| Accommodation and food services | 4,397 | 278 | $22,758 |
| Retail trade | 4,013 | 294 | $38,668 |
| Professional, scientific and technical services | 2,256 | 629 | $80,009 |
| Manufacturing | 2,033 | 170 | $83,452 |
| Wholesale trade | 1,310 | 202 | $81,817 |
| Transportation and warehousing | 1,070 | 71 | $60,263 |
| Administrative and support and waste management services | 1,045 | 181 | $64,541 |
Health care and social assistance is the largest private sector at 4,689 jobs, 14.8 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Campbell County
How many businesses are in Campbell County?
- Establishments, all industries1,743
- Employment at those establishments25,891
- Annual payroll$1.24 bn
- Establishments per 1,000 residents18.7
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.
Campbell County
Building permits in Campbell County
- Housing units authorized by permit, 2024249
- Declared construction value permitted$82.8 m
- Single family units authorized141
- Multifamily units authorized108
- Multifamily share of units43.4 percent
- Average declared value per unit$332,595
- Units authorized per 1,000 households6.3
Multifamily is 43.4 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Campbell County
SBA loans in Campbell County (7(a) and 504)
- 7(a) approvals recorded90
- 7(a) gross approval dollars$34.5 m
- Average 7(a) approval$382,792
- Median 7(a) approval$130,250
- 10th percentile approval$20,000
- 90th percentile approval$800,620
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)761
- Jobs per approval8.5
- Distinct 7(a) lenders active20
- Distinct industries receiving approvals52
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer12.2 percent
- Loans on real estate terms11
- Loans on working capital terms, 120 months or shorter74
- Franchise loans16
- Franchise share of approvals17.8 percent
- Leading industry by approval countResidential Remodelers (7)
- Most active lenderThe Huntington National Bank (30)
- 504 approvals recorded28
- 504 gross approval dollars$23.2 m
- Average 504 approval$828,036
- Median 504 approval$398,000
- Distinct CDCs active3
- 504 jobs per approval10.0
- 504 jobs per million dollars approved12.1
- Most active CDCAlloy Development Co., Inc. (22)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$57.6 m
The average approval of $382,792 sits well above the median of $130,250, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 12.2 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
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.
Campbell County
SBA loan default and charge-off rates in Campbell County
Do SBA loans in Campbell County get paid back?
- Loans with a final outcome recorded24
- Paid in full23
- Charged off1
- Status: Paid in full23
- Status: Cancelled8
- Status: Exempt from disclosure55
- Status: Committed, not yet disbursed3
- Status: Charged off1
Only 24 loans have 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.
Campbell County
SBA lending by place in Campbell County
- Borrower cities with recorded lending10
- Newport, approvals30
- Alexandria, approvals16
- Fort Thomas, approvals14
- Bellevue, approvals10
- Wilder, approvals6
- Cold Spring, approvals6
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Newport | 30 | $10,491,500 |
| Alexandria | 16 | $2,713,500 |
| Fort Thomas | 14 | $3,489,900 |
| Bellevue | 10 | $3,449,100 |
| Wilder | 6 | $6,948,500 |
| Cold Spring | 6 | $975,800 |
| Dayton | 3 | $5,250,000 |
| Highland Heights | 2 | $981,000 |
| 2 other borrower cities | 3 | $152,000 |
Newport accounts for 30 approvals against 16 in Alexandria. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Campbell County
How large is Campbell County?
- Land area151 sq mi
- Rank by land area among Kentucky counties117th of 120
- Width, east to west14.7 mi
- Height, north to south20.4 mi
- Geographies sharing a boundary4
- Residents per square mile of land619
- Establishments per square mile11.54
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.
Campbell County
Flood risk in Campbell County
- Participation of the county's own NFIP community Campbell County, unincorporated areasParticipating, community 210034
- Community Rating System class of the county's own communityClass 8
- Communities in the county in the NFIP Community Status Book15
- Of those, participating in the NFIP15
- 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 8
- Communities carrying a CRS class6
- Radon levels in Campbell 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 Campbell County (community 210034), participates in the National Flood Insurance Program and carries Community Rating System class 8, a flood insurance premium discount for policies written there. The EPA places Campbell 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 8, 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 Campbell 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 Campbell County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202493,426
- Households39,232
- Average household size2.38
- Median household income$77,567
- Median age39.3
Common questions
Campbell County questions, answered from the record.
How many people live in Campbell County, Kentucky?
The Census Bureau estimates 94,008 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 93,426, in 39,232 households, ranking 9th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Campbell County's population growing?
The population has grown 1.00 percent since the 2020 census base of 93,076, to 94,008 on July 1, 2024. In 2024 there were 941 births against 845 deaths, with net migration of 55. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Campbell County?
$77,567. The median owner-occupied home is valued at $252,000, which is 3.2 times income, and median gross rent is $1,145 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Campbell County?
1,743 establishments, employing 25,891 people with an annual payroll of $1.24 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Campbell County?
Health care and social assistance is the largest private sector at 4,689 jobs, 14.8 percent of covered employment. Covered employment averages 31,709 jobs at an average annual pay of $57,401, or $1,104 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Campbell County?
90 7(a) approvals totaling $34.5 m since FY2020, across 20 lenders, with a median approval of $130,250, plus 28 504 approvals worth $23.2 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Campbell County?
249 housing units were authorized by permit in 2024, with a declared construction value of $82.8 m. Multifamily was 43.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Campbell 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 Campbell County come from?
The largest single origin is Kenton County, with 815 households. Arriving households report an average income of $63,052 against $67,505 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Campbell 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 Campbell 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.
Campbell County
Cities and places in Campbell.
16 Census places lie wholly or partly in Campbell County. All 16 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 |
|---|---|---|---|---|
| Fort Thomas | city | 17,169 | 14 | Wholly in this county |
| Newport | city | 13,967 | 30 | Wholly in this county |
| Alexandria | city | 10,562 | 16 | Wholly in this county |
| Highland Heights | city | 6,444 | 2 | Wholly in this county |
| Cold Spring | city | 6,341 | 6 | Wholly in this county |
| Dayton | city | 5,743 | 3 | Wholly in this county |
| Bellevue | city | 5,636 | 10 | Wholly in this county |
| Southgate | city | 3,717 | None recorded | Wholly in this county |
| Claryville | CDP | 3,251 | None recorded | Wholly in this county |
| Wilder | city | 3,135 | 6 | Wholly in this county |
| Silver Grove | city | 1,008 | None recorded | Wholly in this county |
| Melbourne | city | 627 | None recorded | Wholly in this county |
| Crestview | city | 505 | None recorded | Wholly in this county |
| Mentor | city | 271 | None recorded | Wholly in this county |
| Woodlawn | city | 181 | None recorded | Wholly in this county |
| California | city | 49 | 2 | Wholly in this county |
A further 1 of the county's 90 SBA 7(a) approvals are to borrowers in cities that match no Census place in Campbell County, the largest being Cold Springs (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