Grayson County, Kentucky: commercial real estate data.
Grayson County, Kentucky had an estimated 27,070 residents on July 1, 2024, up 2.5 percent since the 2020 census base of 26,417, across 497 square miles. County output reached $996.8 m in 2024, 431 establishments operate here, and the SBA record carries 7 7(a) approvals worth $2.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Grayson County
How many people live in Grayson County
- Population, American Community Survey 2020-202426,707
- Households10,129
- Average household size2.64
- Median household income$50,757
- Median age40.5
- Median gross rent$658 per month
- Median owner-occupied home value$164,600
- Home value to household income3.2 times
- Annual rent as a share of median income15.6 percent
- Adults 25 and over with a bachelor degree or higher16.1 percent
- Adults 25 and over with a graduate degree7.6 percent
- Adults 25 and over18,376
- Population under 186,349
- Share under 1823.8 percent
- Population 65 and over4,834
- Share 65 and over18.1 percent
- Working age population, 18 to 6415,524
- Civilian labor force11,549
- Unemployment rate6.6 percent
- Labor force participation, adults 18 and over56.7 percent
- Rank by population among Kentucky counties41st of 120
- Rank by population among US county-equivalents, Puerto Rico included1589th of 3,222
Grayson County is the 41st 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 23.8 percent against 18.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Grayson County
Is Grayson County's population growing?
- Population, July 1, 202427,070
- Census 2020 base population26,417
- Population change since the 2020 census base2.47 percent
- Population change, 2023 to 2024264
- Births, 2024379
- Deaths, 2024371
- Natural change, 20248
- Net domestic migration, 2024258
- Net international migration, 20241
- Total net migration, 2024259
- Cumulative net domestic migration, 2021 to 2024812
- Rank by growth among US county-equivalents1014th of 3,144
The county has grown 2.47 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.
Grayson County
Where are people moving to Grayson County from?
- Tax returns filed by households arriving582
- People arriving, from those returns1,081
- Tax returns filed by households leaving429
- Net household movement153
- Adjusted gross income arriving$28.8 m
- Net adjusted gross income movement$8.0 m
- Average income of an arriving household$49,399
- Average income of a leaving household$48,380
- Largest single originHardin County (93 households)
- Largest single destinationHardin County (94 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Hardin County | 93 | 158 | $3.5 m |
| Jefferson County | 82 | 149 | $5.2 m |
| Edmonson County | 49 | 113 | $1.8 m |
| Breckinridge County | 43 | 79 | $1.9 m |
| Bullitt County | 25 | 41 | $1.5 m |
| Warren County | 22 | 33 | $833,000 |
Households arriving report $1,019 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 Hardin 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.
Grayson County
What is the Grayson County economy?
- County GDP, 2024$996.8 m
- County GDP, 2023$966.6 m
- GDP change, 2023 to 20243.1 percent
- GDP change over five years29.2 percent
- Rank by GDP among the Kentucky areas BEA publishes52nd of 120
- Rank by GDP among the US county areas BEA publishes1847th of 3,127
- GDP per resident$37,322
Output grew 3.1 percent in the latest year and 29.2 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.
Grayson County
Employment by industry in Grayson County
- Covered employment, annual average7,527
- Establishments reporting687
- Average annual pay$44,028
- Average weekly wage$847
- Manufacturing, employment1,452
- Manufacturing, average annual pay$54,077
- Retail trade, employment1,042
- Retail trade, average annual pay$30,045
- Accommodation and food services, employment744
- Accommodation and food services, average annual pay$18,775
- Construction, employment381
- Construction, average annual pay$58,301
- Wholesale trade, employment312
- Administrative and support and waste management services, employment236
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 1,452 | 36 | $54,077 |
| Retail trade | 1,042 | 102 | $30,045 |
| Accommodation and food services | 744 | 42 | $18,775 |
| Construction | 381 | 83 | $58,301 |
| Wholesale trade | 312 | 36 | $54,434 |
| Administrative and support and waste management services | 236 | 27 | $38,754 |
| Finance and insurance | 222 | 47 | $49,999 |
| Other services, except public administration | 92 | 41 | $36,832 |
Manufacturing is the largest private sector at 1,452 jobs, 19.3 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Grayson County
How many businesses are in Grayson County?
- Establishments, all industries431
- Employment at those establishments6,333
- Annual payroll$255.2 m
- Establishments per 1,000 residents16.1
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.
Grayson County
Building permits in Grayson County
- Housing units authorized by permit, 202427
- Declared construction value permitted$4.2 m
- Single family units authorized11
- Multifamily units authorized16
- Multifamily share of units59.3 percent
- Average declared value per unit$155,630
- Units authorized per 1,000 households2.7
Multifamily is 59.3 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Grayson County
SBA loans in Grayson County (7(a) and 504)
- 7(a) approvals recorded7
- 7(a) gross approval dollars$2.3 m
- Average 7(a) approval$335,657
- Median 7(a) approval$250,000
- Largest single approval$1,171,100
- Jobs reported supported, 7(a)34
- Jobs per approval4.9
- Distinct 7(a) lenders active5
- Distinct industries receiving approvals7
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer14.3 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter6
- Franchise loans1
- Franchise share of approvals14.3 percent
- 504 approvals recorded1
- 504 gross approval dollars$262,000
- Average 504 approval$262,000
- Median 504 approval$262,000
- Distinct CDCs active1
- 504 jobs per approval12.0
- 504 jobs per million dollars approved45.8
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$2.6 m
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.
Grayson County
SBA loan default and charge-off rates in Grayson County
Do SBA loans in Grayson County get paid back?
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Cancelled1
- Status: Exempt from disclosure5
Only 1 loan has 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.
Grayson County
SBA lending by place in Grayson County
- Borrower cities with recorded lending3
- Leitchfield, approvals5
- Clarkson, approvals1
- Caneyville, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Leitchfield | 5 | $1,023,500 |
| Clarkson | 1 | $1,171,100 |
| Caneyville | 1 | $155,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Grayson County
How large is Grayson County?
- Land area497 sq mi
- Rank by land area among Kentucky counties11th of 120
- Width, east to west35.4 mi
- Height, north to south20.8 mi
- Geographies sharing a boundary6
- Residents per square mile of land54
- Establishments per square mile0.87
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.
Grayson County
Flood risk in Grayson County
- Participation of the county's own NFIP community Grayson County, unincorporated areasParticipating, community 210330
- Community Rating System class of the county's own communityClass 10
- Communities in the county in the NFIP Community Status Book4
- Of those, participating in the NFIP3
- NFIP participation rate75.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 10
- Communities carrying a CRS class1
- Radon levels in Grayson 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 Grayson County (community 210330), participates in the National Flood Insurance Program and carries Community Rating System class 10, a flood insurance premium discount for policies written there. The EPA places Grayson 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 10, which carries a flood insurance premium discount for policies written in that community. 75.0 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 Grayson 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 Grayson County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202426,707
- Households10,129
- Average household size2.64
- Median household income$50,757
- Median age40.5
Common questions
Grayson County questions, answered from the record.
How many people live in Grayson County, Kentucky?
The Census Bureau estimates 27,070 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 26,707, in 10,129 households, ranking 41st of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Grayson County's population growing?
The population has grown 2.47 percent since the 2020 census base of 26,417, to 27,070 on July 1, 2024. In 2024 there were 379 births against 371 deaths, with net migration of 259. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Grayson County?
$50,757. The median owner-occupied home is valued at $164,600, which is 3.2 times income, and median gross rent is $658 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Grayson County?
431 establishments, employing 6,333 people with an annual payroll of $255.2 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 Grayson County?
Manufacturing is the largest private sector at 1,452 jobs, 19.3 percent of covered employment. Covered employment averages 7,527 jobs at an average annual pay of $44,028, or $847 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Grayson County?
7 7(a) approvals totaling $2.3 m since FY2020, across 5 lenders, with a median approval of $250,000, plus 1 504 approvals worth $262,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Grayson County?
27 housing units were authorized by permit in 2024, with a declared construction value of $4.2 m. Multifamily was 59.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Grayson 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 Grayson County come from?
The largest single origin is Hardin County, with 93 households. Arriving households report an average income of $49,399 against $48,380 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Grayson 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 Grayson 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.
Grayson County
Cities and places in Grayson.
4 Census places lie wholly or partly in Grayson County. All 4 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 |
|---|---|---|---|---|
| Leitchfield | city | 6,819 | 5 | Wholly in this county |
| Clarkson | city | 865 | 1 | Wholly in this county |
| Caneyville | city | 474 | 1 | Wholly in this county |
| Big Clifty | CDP | 285 | None recorded | Wholly in this county |
Nearby