Fleming County, Kentucky: commercial real estate data.
Fleming County, Kentucky had an estimated 15,591 residents on July 1, 2024, up 3.4 percent since the 2020 census base of 15,082, across 349 square miles. County output reached $434.8 m in 2024, 255 establishments operate here, and the SBA record carries 13 7(a) approvals worth $1.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Fleming County
How many people live in Fleming County
- Population, American Community Survey 2020-202415,323
- Households5,859
- Average household size2.62
- Median household income$49,307
- Median age41.0
- Median gross rent$715 per month
- Median owner-occupied home value$134,700
- Home value to household income2.7 times
- Annual rent as a share of median income17.4 percent
- Adults 25 and over with a bachelor degree or higher18.9 percent
- Adults 25 and over with a graduate degree7.5 percent
- Adults 25 and over10,490
- Population under 183,656
- Share under 1823.9 percent
- Population 65 and over2,851
- Share 65 and over18.6 percent
- Working age population, 18 to 648,816
- Civilian labor force6,515
- Unemployment rate7.5 percent
- Labor force participation, adults 18 and over55.8 percent
- Rank by population among Kentucky counties73rd of 120
- Rank by population among US county-equivalents, Puerto Rico included2142nd of 3,222
Fleming County is the 73rd largest of 120 Kentucky counties by population. A median home costs 2.7 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 23.9 percent against 18.6 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Fleming County
Is Fleming County's population growing?
- Population, July 1, 202415,591
- Census 2020 base population15,082
- Population change since the 2020 census base3.37 percent
- Population change, 2023 to 2024186
- Births, 2024207
- Deaths, 2024228
- Natural change, 2024-21
- Net domestic migration, 2024212
- Net international migration, 2024-1
- Total net migration, 2024211
- Cumulative net domestic migration, 2021 to 2024588
- Rank by growth among US county-equivalents802nd of 3,144
The county has grown 3.37 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.
Fleming County
Where are people moving to Fleming County from?
- Tax returns filed by households arriving406
- People arriving, from those returns836
- Tax returns filed by households leaving312
- Net household movement94
- Adjusted gross income arriving$18.5 m
- Net adjusted gross income movement$6.4 m
- Average income of an arriving household$45,502
- Average income of a leaving household$38,625
- Largest single originMason County (57 households)
- Largest single destinationRowan County (51 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Mason County | 57 | 119 | $2.3 m |
| Rowan County | 55 | 121 | $2.3 m |
| Lewis County | 27 | 56 | $973,000 |
Households arriving report $6,877 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 Mason 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.
Fleming County
What is the Fleming County economy?
- County GDP, 2024$434.8 m
- County GDP, 2023$410.5 m
- GDP change, 2023 to 20245.9 percent
- GDP change over five years27.0 percent
- Rank by GDP among the Kentucky areas BEA publishes83rd of 120
- Rank by GDP among the US county areas BEA publishes2487th of 3,127
- GDP per resident$28,379
Output grew 5.9 percent in the latest year and 27.0 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.
Fleming County
Employment by industry in Fleming County
- Covered employment, annual average3,265
- Establishments reporting444
- Average annual pay$45,681
- Average weekly wage$878
- Manufacturing, employment534
- Manufacturing, average annual pay$48,478
- Retail trade, employment450
- Retail trade, average annual pay$33,453
- Wholesale trade, employment157
- Wholesale trade, average annual pay$37,056
- Finance and insurance, employment133
- Finance and insurance, average annual pay$54,888
- Utilities, employment70
- Other services, except public administration, employment63
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 534 | 25 | $48,478 |
| Retail trade | 450 | 53 | $33,453 |
| Wholesale trade | 157 | 16 | $37,056 |
| Finance and insurance | 133 | 25 | $54,888 |
| Utilities | 70 | 4 | $80,858 |
| Other services, except public administration | 63 | 28 | $33,581 |
| Transportation and warehousing | 29 | 15 | $45,777 |
| Information | 15 | 6 | $44,958 |
Manufacturing is the largest private sector at 534 jobs, 16.4 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Fleming County
How many businesses are in Fleming County?
- Establishments, all industries255
- Employment at those establishments2,321
- Annual payroll$100.4 m
- Establishments per 1,000 residents16.6
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.
Fleming County
Building permits in Fleming County
- Housing units authorized by permit, 20240
- Declared construction value permitted$0
- Single family units authorized0
- Multifamily units authorized0
No residential units were authorized by permit in 2024. In a small county this is common and is not by itself a sign of distress, but it does mean there is no recent residential pipeline to read demand from.
US Census Bureau, Building Permits Survey, 2024 annual.
Fleming County
SBA loans in Fleming County (7(a) and 504)
- 7(a) approvals recorded13
- 7(a) gross approval dollars$1.7 m
- Average 7(a) approval$132,408
- Median 7(a) approval$90,800
- Largest single approval$590,000
- Jobs reported supported, 7(a)41
- Jobs per approval3.2
- Distinct 7(a) lenders active3
- Distinct industries receiving approvals7
- Median 7(a) term84 months
- Share of loans on real estate terms, 240 months or longer7.7 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter11
- Franchise loans0
- Franchise share of approvals0.0 percent
- Most active lenderCommunity Trust Bank, Inc. (9)
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Fleming County
SBA loan default and charge-off rates in Fleming County
Do SBA loans in Fleming County get paid back?
- Loans with a final outcome recorded4
- Paid in full4
- Charged off0
- Status: Paid in full4
- Status: Exempt from disclosure4
- Status: Cancelled2
- Status: Committed, not yet disbursed3
Only 4 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.
Fleming County
SBA lending by place in Fleming County
- Borrower cities with recorded lending3
- Flemingsburg, approvals7
- Wallingford, approvals5
- Ewing, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Flemingsburg | 7 | $1,073,800 |
| Wallingford | 5 | $597,500 |
| Ewing | 1 | $50,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Fleming County
How large is Fleming County?
- Land area349 sq mi
- Rank by land area among Kentucky counties45th of 120
- Width, east to west28.6 mi
- Height, north to south24.5 mi
- Geographies sharing a boundary6
- Residents per square mile of land44
- Establishments per square mile0.73
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.
Fleming County
Flood risk in Fleming County
- Participation of the county's own NFIP community Fleming County, unincorporated areasParticipating, community 210335
- Communities in the county in the NFIP Community Status Book2
- Of those, participating in the NFIP2
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Fleming 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 Fleming County (community 210335), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Fleming 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 Fleming 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 Fleming County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202415,323
- Households5,859
- Average household size2.62
- Median household income$49,307
- Median age41.0
Common questions
Fleming County questions, answered from the record.
How many people live in Fleming County, Kentucky?
The Census Bureau estimates 15,591 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 15,323, in 5,859 households, ranking 73rd of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Fleming County's population growing?
The population has grown 3.37 percent since the 2020 census base of 15,082, to 15,591 on July 1, 2024. In 2024 there were 207 births against 228 deaths, with net migration of 211. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Fleming County?
$49,307. The median owner-occupied home is valued at $134,700, which is 2.7 times income, and median gross rent is $715 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Fleming County?
255 establishments, employing 2,321 people with an annual payroll of $100.4 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 Fleming County?
Manufacturing is the largest private sector at 534 jobs, 16.4 percent of covered employment. Covered employment averages 3,265 jobs at an average annual pay of $45,681, or $878 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Fleming County?
13 7(a) approvals totaling $1.7 m since FY2020, across 3 lenders, with a median approval of $90,800. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Fleming County?
No residential units were authorized by permit in 2024. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Fleming 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 Fleming County come from?
The largest single origin is Mason County, with 57 households. Arriving households report an average income of $45,502 against $38,625 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Fleming 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 Fleming 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.
Fleming County
Cities and places in Fleming.
3 Census places lie wholly or partly in Fleming 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 |
|---|---|---|---|---|
| Flemingsburg | city | 2,965 | 7 | Wholly in this county |
| Ewing | city | 346 | 1 | Wholly in this county |
| Elizaville | CDP | 79 | None recorded | Wholly in this county |
A further 5 of the county's 13 SBA 7(a) approvals are to borrowers in cities that match no Census place in Fleming County, the largest being Wallingford (5). 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