Hart County, Kentucky: commercial real estate data.
Hart County, Kentucky had an estimated 19,923 residents on July 1, 2024, up 3.3 percent since the 2020 census base of 19,286, across 412 square miles. County output reached $843.3 m in 2024, 276 establishments operate here, and the SBA record carries 1 7(a) approvals worth $47,900 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Hart County
How many people live in Hart County
- Population, American Community Survey 2020-202419,603
- Households7,376
- Average household size2.66
- Median household income$52,285
- Median age40.4
- Median gross rent$693 per month
- Median owner-occupied home value$146,000
- Home value to household income2.8 times
- Annual rent as a share of median income15.9 percent
- Adults 25 and over with a bachelor degree or higher12.2 percent
- Adults 25 and over with a graduate degree4.7 percent
- Adults 25 and over13,327
- Population under 184,782
- Share under 1824.4 percent
- Population 65 and over3,449
- Share 65 and over17.6 percent
- Working age population, 18 to 6411,372
- Civilian labor force8,103
- Unemployment rate3.8 percent
- Labor force participation, adults 18 and over54.7 percent
- Rank by population among Kentucky counties61st of 120
- Rank by population among US county-equivalents, Puerto Rico included1905th of 3,222
Hart County is the 61st largest of 120 Kentucky counties by population. A median home costs 2.8 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 24.4 percent against 17.6 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Hart County
Is Hart County's population growing?
- Population, July 1, 202419,923
- Census 2020 base population19,286
- Population change since the 2020 census base3.30 percent
- Population change, 2023 to 2024197
- Births, 2024258
- Deaths, 2024223
- Natural change, 202435
- Net domestic migration, 2024163
- Net international migration, 2024-1
- Total net migration, 2024162
- Cumulative net domestic migration, 2021 to 2024653
- Rank by growth among US county-equivalents810th of 3,144
The county has grown 3.30 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.
Hart County
Where are people moving to Hart County from?
- Tax returns filed by households arriving437
- People arriving, from those returns837
- Tax returns filed by households leaving394
- Net household movement43
- Adjusted gross income arriving$17.7 m
- Net adjusted gross income movement$4.4 m
- Average income of an arriving household$40,471
- Average income of a leaving household$33,660
- Largest single originBarren County (107 households)
- Largest single destinationBarren County (118 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Barren County | 107 | 211 | $3.7 m |
| Hardin County | 57 | 104 | $2.6 m |
| Jefferson County | 35 | 68 | $1.8 m |
| Larue County | 31 | 67 | $1.5 m |
| Warren County | 29 | 56 | $1.1 m |
Households arriving report $6,811 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 Barren 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.
Hart County
What is the Hart County economy?
- County GDP, 2024$843.3 m
- County GDP, 2023$801.4 m
- GDP change, 2023 to 20245.2 percent
- GDP change over five years39.8 percent
- Rank by GDP among the Kentucky areas BEA publishes54th of 120
- Rank by GDP among the US county areas BEA publishes1993rd of 3,127
- GDP per resident$43,019
Output grew 5.2 percent in the latest year and 39.8 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.
Hart County
Employment by industry in Hart County
- Covered employment, annual average5,269
- Establishments reporting417
- Average annual pay$52,189
- Average weekly wage$1,004
- Manufacturing, employment2,590
- Manufacturing, average annual pay$62,132
- Retail trade, employment434
- Retail trade, average annual pay$30,428
- Accommodation and food services, employment322
- Accommodation and food services, average annual pay$21,289
- Finance and insurance, employment82
- Finance and insurance, average annual pay$49,477
- Other services, except public administration, employment67
- Arts, entertainment and recreation, employment46
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 2,590 | 28 | $62,132 |
| Retail trade | 434 | 74 | $30,428 |
| Accommodation and food services | 322 | 22 | $21,289 |
| Finance and insurance | 82 | 18 | $49,477 |
| Other services, except public administration | 67 | 20 | $26,172 |
| Arts, entertainment and recreation | 46 | 4 | $25,820 |
| Professional, scientific and technical services | 39 | 30 | $52,294 |
| Information | 27 | 8 | $39,079 |
Manufacturing is the largest private sector at 2,590 jobs, 49.2 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Hart County
How many businesses are in Hart County?
- Establishments, all industries276
- Employment at those establishments4,073
- Annual payroll$194.4 m
- Establishments per 1,000 residents14.1
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.
Hart County
Building permits in Hart County
- Housing units authorized by permit, 202479
- Declared construction value permitted$8.5 m
- Single family units authorized19
- Multifamily units authorized60
- Multifamily share of units75.9 percent
- Average declared value per unit$107,240
- Units authorized per 1,000 households10.7
Multifamily is 75.9 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Hart County
SBA loans in Hart County (7(a) and 504)
- 7(a) approvals recorded1
- 7(a) gross approval dollars$47,900
- Average 7(a) approval$47,900
- Median 7(a) approval$47,900
- Largest single approval$47,900
- Jobs reported supported, 7(a)1
- Jobs per approval1.0
- Distinct 7(a) lenders active1
- Distinct industries receiving approvals1
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer0.0 percent
- Loans on real estate terms0
- Loans on working capital terms, 120 months or shorter1
- Franchise loans0
- Franchise share of approvals0.0 percent
- 504 approvals recorded1
- 504 gross approval dollars$401,000
- Average 504 approval$401,000
- Median 504 approval$401,000
- Distinct CDCs active1
- 504 jobs per approval5.0
- 504 jobs per million dollars approved12.5
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$448,900
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.
Hart County
SBA loan default and charge-off rates in Hart County
Do SBA loans in Hart County get paid back?
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Cancelled1
Only 0 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.
Hart County
How large is Hart County?
- Land area412 sq mi
- Rank by land area among Kentucky counties30th of 120
- Width, east to west27.5 mi
- Height, north to south20.8 mi
- Geographies sharing a boundary7
- Residents per square mile of land48
- Establishments per square mile0.67
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.
Hart County
Flood risk in Hart County
- Participation of the county's own NFIP community Hart County, unincorporated areasParticipating, community 210257
- Communities in the county in the NFIP Community Status Book4
- Of those, participating in the NFIP4
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Hart 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 Hart County (community 210257), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Hart 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 Hart 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 Hart County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202419,603
- Households7,376
- Average household size2.66
- Median household income$52,285
- Median age40.4
Common questions
Hart County questions, answered from the record.
How many people live in Hart County, Kentucky?
The Census Bureau estimates 19,923 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 19,603, in 7,376 households, ranking 61st of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Hart County's population growing?
The population has grown 3.30 percent since the 2020 census base of 19,286, to 19,923 on July 1, 2024. In 2024 there were 258 births against 223 deaths, with net migration of 162. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Hart County?
$52,285. The median owner-occupied home is valued at $146,000, which is 2.8 times income, and median gross rent is $693 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Hart County?
276 establishments, employing 4,073 people with an annual payroll of $194.4 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 Hart County?
Manufacturing is the largest private sector at 2,590 jobs, 49.2 percent of covered employment. Covered employment averages 5,269 jobs at an average annual pay of $52,189, or $1,004 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Hart County?
1 7(a) approvals totaling $47,900 since FY2020, across 1 lenders, with a median approval of $47,900, plus 1 504 approvals worth $401,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Hart County?
79 housing units were authorized by permit in 2024, with a declared construction value of $8.5 m. Multifamily was 75.9 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Hart 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 Hart County come from?
The largest single origin is Barren County, with 107 households. Arriving households report an average income of $40,471 against $33,660 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Hart 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 Hart 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.
Hart County
Cities and places in Hart.
4 Census places lie wholly or partly in Hart 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 |
|---|---|---|---|---|
| Horse Cave | city | 2,143 | None recorded | Wholly in this county |
| Munfordville | city | 1,893 | None recorded | Wholly in this county |
| Bonnieville | city | 326 | None recorded | Wholly in this county |
| Hardyville | CDP | 108 | None recorded | Wholly in this county |
A further 1 of the county's 1 SBA 7(a) approvals are to borrowers in cities that match no Census place in Hart County, the largest being Mundordville (1). 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.