HomeKentuckyDaviess CountyOwensboro
Owensboro, Kentucky: commercial real estate data.
Owensboro is a Census city of 60,302 people across 21.30 square miles of land, in Daviess County. Median household income is $56,357, 57.4 percent of occupied homes are owned, and the SBA record carries 75 7(a) approvals to borrowers here worth $44.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Owensboro
What Owensboro is
- Census place typecity
- Land area21.3 sq mi
- Water area1.45 sq mi
- Population per square mile of land2,831
- County holding the largest share of its areaDaviess County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Owensboro
How many people live in Owensboro
- Population60,302
- Median age37.5
- Population under 1814,361
- Share under 1823.8 percent
- Population 65 and over11,457
- Share 65 and over19.0 percent
- Households25,451
- Family households14,502
- Share of households that are families57.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Owensboro
Income and work in Owensboro
- Median household income$56,357
- Per capita income$33,626
- Civilian labor force28,309
- Employed26,820
- Unemployed1,489 plus or minus 301
- Unemployment rate5.3 percent
- Adults 25 and over39,939
- Adults 25 and over with a high school diploma or higher90.9 percent
- Adults 25 and over with a bachelor degree or higher26.1 percent
- Adults 25 and over with a graduate degree10.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Owensboro
Housing in Owensboro
- Housing units27,274
- Occupied units25,451
- Vacant units1,823
- Vacancy rate6.7 percent
- Owner occupied14,612
- Renter occupied10,839
- Ownership rate57.4 percent
- Median owner-occupied home value$178,900
- Median gross rent, monthly$905
- Annual rent as a share of median income19.3 percent
- Single family units19,574
- Share single family71.8 percent
- Units in buildings of two or more7,271
- Share in buildings of two or more26.7 percent
- Mobile homes407 plus or minus 192
- Median year structure built1972
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Owensboro
How Owensboro gets to work
- Workers 16 and over who commute24,592
- Commuting under 15 minutes13,210
- Share commuting under 15 minutes53.7 percent
- Commuting 30 minutes or more4,324
- Share commuting 30 minutes or more17.6 percent
- Drove alone82.0 percent
- Carpooled7.9 percent
- Public transport0.5 percent plus or minus 0.3
- Walked1.9 percent plus or minus 0.9
- Worked from home6.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Owensboro
SBA loans in Owensboro (7(a))
- Approvals75
- Gross approval$44,425,400
- Average approval$592,339
- Median approval$250,400
- Ninetieth percentile approval$1,410,000
- Largest approval$5,000,000
- Jobs supported1,574
- Jobs per approval21.0
- Loans with a final outcome7
- Paid in full7
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more16.0 percent
- Share to franchises21.3 percent
- Distinct lenders20
- Distinct industries by NAICS44
Counted by borrower city: approvals to borrowers whose address is in Owensboro, in any county, FY2020 to FY2026. Only 7 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Owensboro
SBA loans in Owensboro (504)
- Approvals8
- Gross approval$4,292,000
- Average approval$536,500
- Median approval$440,500
- Largest approval$1,123,000
- Jobs supported68
- Loans with a final outcome2
- Charged off0
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Owensboro, in any county, FY2010 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Owensboro
Flood risk in Owensboro
- NFIP communityCity of Owensboro
- NFIP community number210063
- Participating in the NFIPYes
- Community Rating System classClass 8
- Currently effective map date07/31/24
The City of Owensboro participates in the National Flood Insurance Program as community 210063 and carries Community Rating System class 8, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Daviess County, not Owensboro
Daviess County context, not Owensboro figures
- Establishments in Daviess County2,385
- Covered employment, Daviess County47,217
- Average annual pay, Daviess County$53,566
- Housing units permitted, Daviess County226
Every figure in this section is published for Daviess County as a whole and is not a measurement of Owensboro.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, 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 →
Common questions
Owensboro questions, answered from the record.
How many people live in Owensboro, Kentucky?
60,302, in 25,451 households. Owensboro city covers 21.30 square miles of land, which is 2,831 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Owensboro in?
Daviess County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Owensboro?
$56,357. The median owner-occupied home is valued at $178,900. Median gross rent is $905 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Owensboro businesses?
75 7(a) approvals totaling $44.4 m since FY2020, across 20 lenders, median approval $250,400, plus 8 504 approvals worth $4.3 m since FY2010. These count approvals to borrowers whose address is in Owensboro, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Owensboro borrowers get paid back?
No rate is published for Owensboro. Only 7 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Owensboro in the National Flood Insurance Program?
Yes. Owensboro appears in the FEMA Community Status Book as Owensboro, city of, community 210063, carrying Community Rating System class 8, which is a premium discount for exceeding the program minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Owensboro figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Daviess County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Owensboro.
Is zoning published for Owensboro?
No. Nothing on this page presents parcel level zoning.