Daviess County, Kentucky: commercial real estate data.
Daviess County, Kentucky had an estimated 104,457 residents on July 1, 2024, up 1.1 percent since the 2020 census base of 103,315, across 458 square miles. County output reached $6.15 bn in 2024, 2,385 establishments operate here, and the SBA record carries 80 7(a) approvals worth $44.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Daviess County
How many people live in Daviess County
- Population, American Community Survey 2020-2024103,648
- Households41,639
- Average household size2.49
- Median household income$68,214
- Median age38.6
- Median gross rent$918 per month
- Median owner-occupied home value$199,900
- Home value to household income2.9 times
- Annual rent as a share of median income16.1 percent
- Adults 25 and over with a bachelor degree or higher26.2 percent
- Adults 25 and over with a graduate degree10.8 percent
- Adults 25 and over69,609
- Population under 1825,381
- Share under 1824.5 percent
- Population 65 and over18,320
- Share 65 and over17.7 percent
- Working age population, 18 to 6459,947
- Civilian labor force50,218
- Unemployment rate4.5 percent
- Labor force participation, adults 18 and over64.2 percent
- Rank by population among Kentucky counties7th of 120
- Rank by population among US county-equivalents, Puerto Rico included602nd of 3,222
Daviess County is the 7th largest of 120 Kentucky counties by population. A median home costs 2.9 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 24.5 percent against 17.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Daviess County
Is Daviess County's population growing?
- Population, July 1, 2024104,457
- Census 2020 base population103,315
- Population change since the 2020 census base1.11 percent
- Population change, 2023 to 2024530
- Births, 20241,348
- Deaths, 20241,185
- Natural change, 2024163
- Net domestic migration, 2024-168
- Net international migration, 2024533
- Total net migration, 2024365
- Cumulative net domestic migration, 2021 to 2024-365
- Rank by growth among US county-equivalents1441st of 3,144
The county has grown 1.11 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.
Daviess County
Where are people moving to Daviess County from?
- Tax returns filed by households arriving1,788
- People arriving, from those returns3,243
- Tax returns filed by households leaving1,763
- Net household movement25
- Adjusted gross income arriving$94.6 m
- Net adjusted gross income movement$-7.9 m
- Average income of an arriving household$52,908
- Average income of a leaving household$58,119
- Largest single originOhio County (172 households)
- Largest single destinationOhio County (163 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Ohio County | 172 | 324 | $7.2 m |
| Hancock County | 112 | 210 | $5.2 m |
| Vanderburgh County | 89 | 149 | $4.1 m |
| McLean County | 77 | 126 | $3.4 m |
| Warren County | 65 | 118 | $3.1 m |
| Jefferson County | 61 | 102 | $3.3 m |
| Henderson County | 59 | 117 | $2.6 m |
| Muhlenberg County | 58 | 104 | $2.1 m |
Households arriving report $5,211 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Ohio 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.
Daviess County
What is the Daviess County economy?
- County GDP, 2024$6.15 bn
- County GDP, 2023$5.95 bn
- GDP change, 2023 to 20243.3 percent
- GDP change over five years24.5 percent
- Rank by GDP among the Kentucky areas BEA publishes9th of 120
- Rank by GDP among the US county areas BEA publishes639th of 3,127
- GDP per resident$59,344
Output grew 3.3 percent in the latest year and 24.5 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.
Daviess County
Employment by industry in Daviess County
- Covered employment, annual average47,217
- Establishments reporting3,566
- Average annual pay$53,566
- Average weekly wage$1,030
- Health care and social assistance, employment8,982
- Health care and social assistance, average annual pay$59,512
- Manufacturing, employment7,372
- Manufacturing, average annual pay$69,064
- Retail trade, employment5,607
- Retail trade, average annual pay$33,953
- Accommodation and food services, employment4,756
- Accommodation and food services, average annual pay$20,936
- Administrative and support and waste management services, employment2,577
- Construction, employment2,190
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 8,982 | 736 | $59,512 |
| Manufacturing | 7,372 | 134 | $69,064 |
| Retail trade | 5,607 | 451 | $33,953 |
| Accommodation and food services | 4,756 | 222 | $20,936 |
| Administrative and support and waste management services | 2,577 | 217 | $37,152 |
| Construction | 2,190 | 316 | $57,427 |
| Finance and insurance | 2,059 | 228 | $79,572 |
| Transportation and warehousing | 2,052 | 86 | $73,172 |
Health care and social assistance is the largest private sector at 8,982 jobs, 19.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Daviess County
How many businesses are in Daviess County?
- Establishments, all industries2,385
- Employment at those establishments43,758
- Annual payroll$2.14 bn
- Establishments per 1,000 residents23.0
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.
Daviess County
Building permits in Daviess County
- Housing units authorized by permit, 2024226
- Declared construction value permitted$18.7 m
- Single family units authorized198
- Multifamily units authorized28
- Multifamily share of units12.4 percent
- Average declared value per unit$82,851
- Units authorized per 1,000 households5.4
Single-family homes are 87.6 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Daviess County
SBA loans in Daviess County (7(a) and 504)
- 7(a) approvals recorded80
- 7(a) gross approval dollars$44.7 m
- Average 7(a) approval$558,493
- Median 7(a) approval$245,750
- 10th percentile approval$24,500
- 90th percentile approval$1,272,500
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)1,603
- Jobs per approval20.0
- Distinct 7(a) lenders active20
- Distinct industries receiving approvals47
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer15.0 percent
- Loans on real estate terms12
- Loans on working capital terms, 120 months or shorter61
- Franchise loans17
- Franchise share of approvals21.3 percent
- Leading industry by approval countFull-Service Restaurants (6)
- Most active lenderU.S. Bank, National Association (16)
- 504 approvals recorded10
- 504 gross approval dollars$4.7 m
- Average 504 approval$466,100
- Median 504 approval$327,000
- Distinct CDCs active3
- 504 jobs per approval7.0
- 504 jobs per million dollars approved15.0
- Most active CDCPremier Capital Corporation (4)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$49.3 m
The average approval of $558,493 sits well above the median of $245,750, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 15.0 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.
Daviess County
SBA loan default and charge-off rates in Daviess County
Do SBA loans in Daviess County get paid back?
- Loans with a final outcome recorded9
- Paid in full9
- Charged off0
- Status: Paid in full9
- Status: Cancelled7
- Status: Exempt from disclosure56
- Status: Committed, not yet disbursed8
Only 9 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.
Daviess County
SBA lending by place in Daviess County
- Borrower cities with recorded lending3
- Owensboro, approvals75
- Philpot, approvals3
- Utica, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Owensboro | 75 | $44,425,400 |
| Philpot | 3 | $234,000 |
| Utica | 2 | $20,000 |
Owensboro accounts for 75 approvals against 3 in Philpot. 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.
Daviess County
How large is Daviess County?
- Land area458 sq mi
- Rank by land area among Kentucky counties19th of 120
- Width, east to west32.3 mi
- Height, north to south25.5 mi
- Geographies sharing a boundary6
- Residents per square mile of land226
- Establishments per square mile5.21
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.
Daviess County
Flood risk in Daviess County
- Participation of the county's own NFIP community Daviess County, unincorporated areasParticipating, community 210062
- Community Rating System class of the county's own communityClass 8
- Communities in the county in the NFIP Community Status Book3
- Of those, participating in the NFIP2
- NFIP participation rate66.7 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 class2
- Radon levels in Daviess 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 Daviess County (community 210062), 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 Daviess 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. 66.7 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 Daviess 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 Daviess County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024103,648
- Households41,639
- Average household size2.49
- Median household income$68,214
- Median age38.6
Common questions
Daviess County questions, answered from the record.
How many people live in Daviess County, Kentucky?
The Census Bureau estimates 104,457 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 103,648, in 41,639 households, ranking 7th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Daviess County's population growing?
The population has grown 1.11 percent since the 2020 census base of 103,315, to 104,457 on July 1, 2024. In 2024 there were 1,348 births against 1,185 deaths, with net migration of 365. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Daviess County?
$68,214. The median owner-occupied home is valued at $199,900, which is 2.9 times income, and median gross rent is $918 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Daviess County?
2,385 establishments, employing 43,758 people with an annual payroll of $2.14 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 Daviess County?
Health care and social assistance is the largest private sector at 8,982 jobs, 19.0 percent of covered employment. Covered employment averages 47,217 jobs at an average annual pay of $53,566, or $1,030 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Daviess County?
80 7(a) approvals totaling $44.7 m since FY2020, across 20 lenders, with a median approval of $245,750, plus 10 504 approvals worth $4.7 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Daviess County?
226 housing units were authorized by permit in 2024, with a declared construction value of $18.7 m. Multifamily was 12.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Daviess 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 Daviess County come from?
The largest single origin is Ohio County, with 172 households. Arriving households report an average income of $52,908 against $58,119 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Daviess 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 Daviess 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.
Daviess County
Cities and places in Daviess.
17 Census places lie wholly or partly in Daviess County. 16 carry enough published place level data for a page of their own and are linked. The rest are named here and not linked, because the American Community Survey and the SBA record between them do not carry enough about them to write an honest page. A place existing is itself worth knowing, so nothing in the county is left out.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Owensboro | city | 60,302 | 75 | Wholly in this county |
| Sorgho | CDP | 2,960 | None recorded | Wholly in this county |
| Masonville | CDP | 2,887 | None recorded | Wholly in this county |
| Thruston | CDP | 2,581 | None recorded | Wholly in this county |
| Philpot | CDP | 1,036 | 3 | Wholly in this county |
| Whitesville | city | 661 | None recorded | Wholly in this county |
| Yelvington | CDP | 594 | None recorded | Wholly in this county |
| Pleasant Ridge | CDP | 487 | None recorded | 54.5 percent here, 45.5 percent Ohio County |
| Stanley | CDP | 448 | None recorded | Wholly in this county |
| Maceo | CDP | 418 | None recorded | Wholly in this county |
| Moseleyville | CDP | 269 | None recorded | Wholly in this county |
| Knottsville | CDP | 245 | None recorded | Wholly in this county |
| St. Joseph | CDP | 144 | None recorded | Wholly in this county |
| Curdsville | CDP | 54 | None recorded | Wholly in this county |
| West Louisville | CDP | 37 | None recorded | Wholly in this county |
| Utica | CDP | 32 | 2 | Wholly in this county |
| Panther | CDP | 0 | None recorded | Wholly in this county |
Nearby