Harrison County, Kentucky: commercial real estate data.
Harrison County, Kentucky had an estimated 19,525 residents on July 1, 2024, up 4.5 percent since the 2020 census base of 18,693, across 306 square miles. County output reached $710.3 m in 2024, 297 establishments operate here, and the SBA record carries 13 7(a) approvals worth $4.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Harrison County
How many people live in Harrison County
- Population, American Community Survey 2020-202419,140
- Households7,293
- Average household size2.62
- Median household income$66,442
- Median age42.1
- Median gross rent$765 per month
- Median owner-occupied home value$202,100
- Home value to household income3.0 times
- Annual rent as a share of median income13.8 percent
- Adults 25 and over with a bachelor degree or higher22.5 percent
- Adults 25 and over with a graduate degree9.7 percent
- Adults 25 and over13,316
- Population under 184,476
- Share under 1823.4 percent
- Population 65 and over3,666
- Share 65 and over19.2 percent
- Working age population, 18 to 6410,998
- Civilian labor force8,914
- Unemployment rate3.2 percent
- Labor force participation, adults 18 and over60.8 percent
- Rank by population among Kentucky counties63rd of 120
- Rank by population among US county-equivalents, Puerto Rico included1931st of 3,222
Harrison County is the 63rd largest of 120 Kentucky counties by population. A median home costs 3.0 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 23.4 percent against 19.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Harrison County
Is Harrison County's population growing?
- Population, July 1, 202419,525
- Census 2020 base population18,693
- Population change since the 2020 census base4.45 percent
- Population change, 2023 to 2024116
- Births, 2024265
- Deaths, 2024259
- Natural change, 20246
- Net domestic migration, 2024113
- Net international migration, 2024-2
- Total net migration, 2024111
- Cumulative net domestic migration, 2021 to 2024948
- Rank by growth among US county-equivalents620th of 3,144
The county has grown 4.45 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.
Harrison County
Where are people moving to Harrison County from?
- Tax returns filed by households arriving493
- People arriving, from those returns969
- Tax returns filed by households leaving400
- Net household movement93
- Adjusted gross income arriving$25.5 m
- Net adjusted gross income movement$8.5 m
- Average income of an arriving household$51,759
- Average income of a leaving household$42,488
- Largest single originScott County (108 households)
- Largest single destinationScott County (98 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Scott County | 108 | 210 | $6.1 m |
| Fayette County | 59 | 110 | $2.8 m |
| Bourbon County | 49 | 105 | $2.1 m |
Households arriving report $9,271 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 Scott 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.
Harrison County
What is the Harrison County economy?
- County GDP, 2024$710.3 m
- County GDP, 2023$667.6 m
- GDP change, 2023 to 20246.4 percent
- GDP change over five years35.1 percent
- Rank by GDP among the Kentucky areas BEA publishes60th of 120
- Rank by GDP among the US county areas BEA publishes2128th of 3,127
- GDP per resident$37,109
Output grew 6.4 percent in the latest year and 35.1 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.
Harrison County
Employment by industry in Harrison County
- Covered employment, annual average5,310
- Establishments reporting428
- Average annual pay$50,516
- Average weekly wage$971
- Manufacturing, employment1,191
- Manufacturing, average annual pay$72,255
- Retail trade, employment593
- Retail trade, average annual pay$29,605
- Transportation and warehousing, employment185
- Transportation and warehousing, average annual pay$51,003
- Construction, employment169
- Construction, average annual pay$79,420
- Other services, except public administration, employment154
- Finance and insurance, employment58
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 1,191 | 24 | $72,255 |
| Retail trade | 593 | 52 | $29,605 |
| Transportation and warehousing | 185 | 10 | $51,003 |
| Construction | 169 | 39 | $79,420 |
| Other services, except public administration | 154 | 31 | $41,283 |
| Finance and insurance | 58 | 24 | $54,655 |
| Information | 34 | 6 | $57,523 |
| Real estate and rental and leasing | 27 | 11 | $29,626 |
Manufacturing is the largest private sector at 1,191 jobs, 22.4 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Harrison County
How many businesses are in Harrison County?
- Establishments, all industries297
- Employment at those establishments4,594
- Annual payroll$227.7 m
- Establishments per 1,000 residents15.5
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.
Harrison County
Building permits in Harrison County
- Housing units authorized by permit, 202469
- Declared construction value permitted$14.4 m
- Single family units authorized69
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$209,076
- Units authorized per 1,000 households9.5
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Harrison County
SBA loans in Harrison County (7(a) and 504)
- 7(a) approvals recorded13
- 7(a) gross approval dollars$4.0 m
- Average 7(a) approval$304,462
- Median 7(a) approval$56,000
- Largest single approval$1,063,800
- Jobs reported supported, 7(a)69
- Jobs per approval5.3
- Distinct 7(a) lenders active6
- Distinct industries receiving approvals10
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer23.1 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter10
- Franchise loans1
- Franchise share of approvals7.7 percent
- Leading industry by approval countSite Preparation Contractors (3)
- Most active lenderFifth Third Bank (4)
- 504 approvals recorded3
- 504 gross approval dollars$1.6 m
- Average 504 approval$525,333
- Median 504 approval$661,000
- Distinct CDCs active3
- 504 jobs per approval6.0
- 504 jobs per million dollars approved11.4
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$5.5 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.
Harrison County
SBA loan default and charge-off rates in Harrison County
Do SBA loans in Harrison County get paid back?
- Loans with a final outcome recorded4
- Paid in full4
- Charged off0
- Status: Paid in full4
- Status: Exempt from disclosure6
- 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.
Harrison County
SBA lending by place in Harrison County
- Borrower cities with recorded lending2
- Cynthiana, approvals10
- Berry, approvals3
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Cynthiana | 10 | $3,838,000 |
| Berry | 3 | $120,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Harrison County
How large is Harrison County?
- Land area306 sq mi
- Rank by land area among Kentucky counties60th of 120
- Width, east to west24.7 mi
- Height, north to south20.6 mi
- Geographies sharing a boundary7
- Residents per square mile of land63
- Establishments per square mile0.97
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.
Harrison County
Flood risk in Harrison County
- Participation of the county's own NFIP community Harrison County, unincorporated areasParticipating, community 210329
- Communities in the county in the NFIP Community Status Book3
- Of those, participating in the NFIP3
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Harrison County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The county's own community in the status book, unincorporated Harrison County (community 210329), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Harrison County in radon zone 1, a predicted average indoor radon screening level greater than 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 Harrison 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 Harrison County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202419,140
- Households7,293
- Average household size2.62
- Median household income$66,442
- Median age42.1
Common questions
Harrison County questions, answered from the record.
How many people live in Harrison County, Kentucky?
The Census Bureau estimates 19,525 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 19,140, in 7,293 households, ranking 63rd of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Harrison County's population growing?
The population has grown 4.45 percent since the 2020 census base of 18,693, to 19,525 on July 1, 2024. In 2024 there were 265 births against 259 deaths, with net migration of 111. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Harrison County?
$66,442. The median owner-occupied home is valued at $202,100, which is 3.0 times income, and median gross rent is $765 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Harrison County?
297 establishments, employing 4,594 people with an annual payroll of $227.7 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 Harrison County?
Manufacturing is the largest private sector at 1,191 jobs, 22.4 percent of covered employment. Covered employment averages 5,310 jobs at an average annual pay of $50,516, or $971 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Harrison County?
13 7(a) approvals totaling $4.0 m since FY2020, across 6 lenders, with a median approval of $56,000, plus 3 504 approvals worth $1.6 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Harrison County?
69 housing units were authorized by permit in 2024, with a declared construction value of $14.4 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Harrison County?
Zone 1, a predicted average indoor radon screening level greater than 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 Harrison County come from?
The largest single origin is Scott County, with 108 households. Arriving households report an average income of $51,759 against $42,488 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Harrison 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 Harrison 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.
Harrison County
Cities and places in Harrison.
2 Census places lie wholly or partly in Harrison County. All 2 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 |
|---|---|---|---|---|
| Cynthiana | city | 6,458 | 10 | Wholly in this county |
| Berry | city | 253 | 3 | Wholly in this county |
Nearby