Christian County, Kentucky: commercial real estate data.
Christian County, Kentucky had an estimated 71,006 residents on July 1, 2024, down 2.5 percent since the 2020 census base of 72,798, across 718 square miles. County output reached $7.87 bn in 2024, 1,290 establishments operate here, and the SBA record carries 24 7(a) approvals worth $8.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Christian County
How many people live in Christian County
- Population, American Community Survey 2020-202472,069
- Households25,725
- Average household size2.80
- Median household income$55,494
- Median age28.8
- Median gross rent$1,040 per month
- Median owner-occupied home value$173,600
- Home value to household income3.1 times
- Annual rent as a share of median income22.5 percent
- Adults 25 and over with a bachelor degree or higher19.6 percent
- Adults 25 and over with a graduate degree6.7 percent
- Adults 25 and over41,395
- Population under 1820,421
- Share under 1828.3 percent
- Population 65 and over9,168
- Share 65 and over12.7 percent
- Working age population, 18 to 6442,480
- Civilian labor force25,964
- Unemployment rate6.3 percent
- Labor force participation, adults 18 and over50.3 percent
- Rank by population among Kentucky counties11th of 120
- Rank by population among US county-equivalents, Puerto Rico included774th of 3,222
Christian County is the 11th largest of 120 Kentucky counties by population. A median home costs 3.1 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 28.3 percent against 12.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Christian County
Is Christian County's population growing?
- Population, July 1, 202471,006
- Census 2020 base population72,798
- Population change since the 2020 census base-2.46 percent
- Population change, 2023 to 2024-229
- Births, 20241,181
- Deaths, 2024777
- Natural change, 2024404
- Net domestic migration, 2024-853
- Net international migration, 2024228
- Total net migration, 2024-625
- Cumulative net domestic migration, 2021 to 2024-4,637
- Rank by growth among US county-equivalents2619th of 3,144
The county has lost 2.46 percent of its population since the 2020 census base. More people left than moved in during 2024 and births over deaths did not make up the difference, so the population fell.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Christian County
Where are people moving to Christian County from?
- Tax returns filed by households arriving3,338
- People arriving, from those returns6,953
- Tax returns filed by households leaving3,673
- Net household movement-335
- Adjusted gross income arriving$128.1 m
- Net adjusted gross income movement$-19.0 m
- Average income of an arriving household$38,390
- Average income of a leaving household$40,057
- Largest single originMontgomery County (701 households)
- Largest single destinationMontgomery County (953 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Montgomery County | 701 | 1,520 | $25.4 m |
| Trigg County | 148 | 314 | $5.2 m |
| Foreign - APO/FPO ZIPs | 75 | 179 | $3.1 m |
| Davidson County | 62 | 94 | $2.5 m |
| Todd County | 60 | 116 | $2.4 m |
| Hopkins County | 54 | 106 | $2.2 m |
| Honolulu County | 35 | 75 | $1.4 m |
| El Paso County | 35 | 74 | $1.5 m |
Households arriving report $1,667 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Montgomery 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.
Christian County
What is the Christian County economy?
- County GDP, 2024$7.87 bn
- County GDP, 2023$7.70 bn
- GDP change, 2023 to 20242.1 percent
- GDP change over five years25.9 percent
- Rank by GDP among the Kentucky areas BEA publishes6th of 120
- Rank by GDP among the US county areas BEA publishes533rd of 3,127
- GDP per resident$109,142
Output grew 2.1 percent in the latest year and 25.9 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.
Christian County
Employment by industry in Christian County
- Covered employment, annual average31,505
- Establishments reporting2,207
- Average annual pay$55,483
- Average weekly wage$1,067
- Manufacturing, employment6,116
- Manufacturing, average annual pay$64,609
- Health care and social assistance, employment3,955
- Health care and social assistance, average annual pay$57,015
- Retail trade, employment3,402
- Retail trade, average annual pay$33,631
- Accommodation and food services, employment2,428
- Accommodation and food services, average annual pay$21,908
- Administrative and support and waste management services, employment2,073
- Transportation and warehousing, employment1,674
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 6,116 | 109 | $64,609 |
| Health care and social assistance | 3,955 | 333 | $57,015 |
| Retail trade | 3,402 | 284 | $33,631 |
| Accommodation and food services | 2,428 | 154 | $21,908 |
| Administrative and support and waste management services | 2,073 | 171 | $43,838 |
| Transportation and warehousing | 1,674 | 69 | $61,273 |
| Professional, scientific and technical services | 1,212 | 256 | $80,348 |
| Construction | 719 | 151 | $85,475 |
Manufacturing is the largest private sector at 6,116 jobs, 19.4 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Christian County
How many businesses are in Christian County?
- Establishments, all industries1,290
- Employment at those establishments24,327
- Annual payroll$1.15 bn
- Establishments per 1,000 residents17.9
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.
Christian County
Building permits in Christian County
- Housing units authorized by permit, 2024190
- Declared construction value permitted$14.6 m
- Single family units authorized108
- Multifamily units authorized82
- Multifamily share of units43.2 percent
- Average declared value per unit$76,733
- Units authorized per 1,000 households7.4
Multifamily is 43.2 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Christian County
SBA loans in Christian County (7(a) and 504)
- 7(a) approvals recorded24
- 7(a) gross approval dollars$8.7 m
- Average 7(a) approval$364,158
- Median 7(a) approval$150,000
- 10th percentile approval$34,440
- 90th percentile approval$1,292,300
- Largest single approval$2,179,000
- Jobs reported supported, 7(a)267
- Jobs per approval11.1
- Distinct 7(a) lenders active12
- Distinct industries receiving approvals17
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer16.7 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter20
- Franchise loans3
- Franchise share of approvals12.5 percent
- Most active lenderNortheast Bank (6)
- 504 approvals recorded4
- 504 gross approval dollars$3.5 m
- Average 504 approval$875,750
- Median 504 approval$775,500
- Distinct CDCs active2
- 504 jobs per approval19.3
- 504 jobs per million dollars approved22.0
- Most active CDCPurchase Area Development District (3)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$12.2 m
The average approval of $364,158 sits well above the median of $150,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 16.7 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.
Christian County
SBA loan default and charge-off rates in Christian County
Do SBA loans in Christian County get paid back?
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Paid in full3
- Status: Exempt from disclosure14
- Status: Cancelled6
- Status: Committed, not yet disbursed1
Only 3 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.
Christian County
SBA lending by place in Christian County
- Borrower cities with recorded lending6
- Hopkinsville, approvals18
- Oak Grove, approvals2
- Fort Campbell, approvals1
- Gracey, approvals1
- Pembroke, approvals1
- Herndon, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Hopkinsville | 18 | $7,853,800 |
| Oak Grove | 2 | $300,000 |
| Fort Campbell | 1 | $256,000 |
| Gracey | 1 | $150,000 |
| Pembroke | 1 | $150,000 |
| Herndon | 1 | $30,000 |
Hopkinsville accounts for 18 approvals against 2 in Oak Grove. 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.
Christian County
How large is Christian County?
- Land area718 sq mi
- Rank by land area among Kentucky counties2nd of 120
- Width, east to west26.3 mi
- Height, north to south35.9 mi
- Geographies sharing a boundary7
- Residents per square mile of land100
- Establishments per square mile1.80
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.
Christian County
Flood risk in Christian County
- Participation of the county's own NFIP community Christian County, unincorporated areasParticipating, community 210277
- Communities in the county in the NFIP Community Status Book5
- Of those, participating in the NFIP3
- NFIP participation rate60.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 7
- Communities carrying a CRS class1
- Radon levels in Christian 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 Christian County (community 210277), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Christian 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 7, which carries a flood insurance premium discount for policies written in that community. 60.0 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 Christian 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 Christian County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202472,069
- Households25,725
- Average household size2.80
- Median household income$55,494
- Median age28.8
Common questions
Christian County questions, answered from the record.
How many people live in Christian County, Kentucky?
The Census Bureau estimates 71,006 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 72,069, in 25,725 households, ranking 11th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Christian County's population growing?
The population has fallen 2.46 percent since the 2020 census base of 72,798, to 71,006 on July 1, 2024. In 2024 there were 1,181 births against 777 deaths, with net migration of -625. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Christian County?
$55,494. The median owner-occupied home is valued at $173,600, which is 3.1 times income, and median gross rent is $1,040 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Christian County?
1,290 establishments, employing 24,327 people with an annual payroll of $1.15 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 Christian County?
Manufacturing is the largest private sector at 6,116 jobs, 19.4 percent of covered employment. Covered employment averages 31,505 jobs at an average annual pay of $55,483, or $1,067 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Christian County?
24 7(a) approvals totaling $8.7 m since FY2020, across 12 lenders, with a median approval of $150,000, plus 4 504 approvals worth $3.5 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Christian County?
190 housing units were authorized by permit in 2024, with a declared construction value of $14.6 m. Multifamily was 43.2 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Christian 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 Christian County come from?
The largest single origin is Montgomery County, with 701 households. Arriving households report an average income of $38,390 against $40,057 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Christian 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 Christian 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.
Christian County
Cities and places in Christian.
8 Census places lie wholly or partly in Christian County. All 8 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 |
|---|---|---|---|---|
| Hopkinsville | city | 30,906 | 18 | Wholly in this county |
| Fort Campbell North | CDP | 11,356 | None recorded | Wholly in this county |
| Oak Grove | city | 7,962 | 2 | Wholly in this county |
| Pembroke | city | 732 | 1 | Wholly in this county |
| Crofton | city | 655 | None recorded | Wholly in this county |
| LaFayette | city | 227 | None recorded | Wholly in this county |
| Fairview | CDP | 226 | None recorded | 56.3 percent here, 43.7 percent Todd County |
| Gracey | CDP | 107 | 1 | Wholly in this county |
A further 2 of the county's 24 SBA 7(a) approvals are to borrowers in cities that match no Census place in Christian County, the largest being Fort Campbell (1), Herndon (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.