Henderson County, Kentucky: commercial real estate data.
Henderson County, Kentucky had an estimated 44,175 residents on July 1, 2024, down 1.4 percent since the 2020 census base of 44,792, across 437 square miles. County output reached $2.76 bn in 2024, 966 establishments operate here, and the SBA record carries 17 7(a) approvals worth $10.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Henderson County
How many people live in Henderson County
- Population, American Community Survey 2020-202444,280
- Households18,522
- Average household size2.39
- Median household income$58,851
- Median age40.9
- Median gross rent$777 per month
- Median owner-occupied home value$171,900
- Home value to household income2.9 times
- Annual rent as a share of median income15.8 percent
- Adults 25 and over with a bachelor degree or higher20.1 percent
- Adults 25 and over with a graduate degree6.6 percent
- Adults 25 and over30,980
- Population under 1810,016
- Share under 1822.6 percent
- Population 65 and over8,484
- Share 65 and over19.2 percent
- Working age population, 18 to 6425,780
- Civilian labor force20,230
- Unemployment rate2.5 percent
- Labor force participation, adults 18 and over59.0 percent
- Rank by population among Kentucky counties25th of 120
- Rank by population among US county-equivalents, Puerto Rico included1114th of 3,222
Henderson County is the 25th largest of 120 Kentucky counties by population. A median home costs 2.9 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 22.6 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.
Henderson County
Is Henderson County's population growing?
- Population, July 1, 202444,175
- Census 2020 base population44,792
- Population change since the 2020 census base-1.38 percent
- Population change, 2023 to 202448
- Births, 2024514
- Deaths, 2024578
- Natural change, 2024-64
- Net domestic migration, 202433
- Net international migration, 202480
- Total net migration, 2024113
- Cumulative net domestic migration, 2021 to 2024-185
- Rank by growth among US county-equivalents2321st of 3,144
The county has lost 1.38 percent of its population 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.
Henderson County
Where are people moving to Henderson County from?
- Tax returns filed by households arriving848
- People arriving, from those returns1,493
- Tax returns filed by households leaving842
- Net household movement6
- Adjusted gross income arriving$35.1 m
- Net adjusted gross income movement$-2.8 m
- Average income of an arriving household$41,382
- Average income of a leaving household$45,058
- Largest single originVanderburgh County (190 households)
- Largest single destinationVanderburgh County (209 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Vanderburgh County | 190 | 324 | $6.6 m |
| Daviess County | 83 | 136 | $4.4 m |
| Union County | 75 | 148 | $2.5 m |
| Webster County | 55 | 104 | $2.2 m |
| Hopkins County | 41 | 72 | $1.8 m |
| Warrick County | 24 | 45 | $949,000 |
Households arriving report $3,676 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Vanderburgh 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.
Henderson County
What is the Henderson County economy?
- County GDP, 2024$2.76 bn
- County GDP, 2023$2.70 bn
- GDP change, 2023 to 20242.1 percent
- GDP change over five years38.0 percent
- Rank by GDP among the Kentucky areas BEA publishes20th of 120
- Rank by GDP among the US county areas BEA publishes1040th of 3,127
- GDP per resident$62,244
Output grew 2.1 percent in the latest year and 38.0 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.
Henderson County
Employment by industry in Henderson County
- Covered employment, annual average18,686
- Establishments reporting1,442
- Average annual pay$55,781
- Average weekly wage$1,073
- Manufacturing, employment5,003
- Manufacturing, average annual pay$72,327
- Retail trade, employment1,872
- Retail trade, average annual pay$33,946
- Accommodation and food services, employment1,494
- Accommodation and food services, average annual pay$18,841
- Administrative and support and waste management services, employment989
- Administrative and support and waste management services, average annual pay$39,280
- Construction, employment978
- Wholesale trade, employment896
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 5,003 | 86 | $72,327 |
| Retail trade | 1,872 | 168 | $33,946 |
| Accommodation and food services | 1,494 | 95 | $18,841 |
| Administrative and support and waste management services | 989 | 81 | $39,280 |
| Construction | 978 | 129 | $69,374 |
| Wholesale trade | 896 | 64 | $76,941 |
| Other services, except public administration | 677 | 103 | $49,471 |
| Finance and insurance | 631 | 87 | $75,171 |
Manufacturing is the largest private sector at 5,003 jobs, 26.8 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Henderson County
How many businesses are in Henderson County?
- Establishments, all industries966
- Employment at those establishments16,375
- Annual payroll$842.6 m
- Establishments per 1,000 residents21.8
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.
Henderson County
Building permits in Henderson County
- Housing units authorized by permit, 202492
- Declared construction value permitted$28.4 m
- Single family units authorized72
- Multifamily units authorized20
- Multifamily share of units21.7 percent
- Average declared value per unit$308,281
- Units authorized per 1,000 households5.0
Single-family homes are 78.3 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Henderson County
SBA loans in Henderson County (7(a) and 504)
- 7(a) approvals recorded17
- 7(a) gross approval dollars$10.4 m
- Average 7(a) approval$610,018
- Median 7(a) approval$340,000
- Largest single approval$2,675,000
- Jobs reported supported, 7(a)231
- Jobs per approval13.6
- Distinct 7(a) lenders active11
- Distinct industries receiving approvals11
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer29.4 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter9
- Franchise loans1
- Franchise share of approvals5.9 percent
- Leading industry by approval countLimited-Service Restaurants (4)
- 504 approvals recorded7
- 504 gross approval dollars$5.4 m
- Average 504 approval$776,429
- Median 504 approval$187,000
- Distinct CDCs active4
- 504 jobs per approval15.9
- 504 jobs per million dollars approved20.4
- Most active CDCPremier Capital Corporation (3)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$15.8 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.
Henderson County
SBA loan default and charge-off rates in Henderson County
Do SBA loans in Henderson County get paid back?
- Loans with a final outcome recorded4
- Paid in full4
- Charged off0
- Status: Exempt from disclosure12
- Status: Paid in full4
- Status: Cancelled1
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.
Henderson County
SBA lending by place in Henderson County
- Borrower cities with recorded lending2
- Henderson, approvals14
- Robards, approvals3
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Henderson | 14 | $8,390,200 |
| Robards | 3 | $1,980,100 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Henderson County
How large is Henderson County?
- Land area437 sq mi
- Rank by land area among Kentucky counties24th of 120
- Width, east to west35.8 mi
- Height, north to south23.3 mi
- Geographies sharing a boundary7
- Residents per square mile of land101
- Establishments per square mile2.21
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.
Henderson County
Flood risk in Henderson County
- Participation of the county's own NFIP community Henderson County, unincorporated areasParticipating, community 210286
- Community Rating System class of the county's own communityClass 8
- Communities in the county in the NFIP Community Status Book3
- Of those, participating in the NFIP3
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 8
- Communities carrying a CRS class2
- Radon levels in Henderson 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 Henderson County (community 210286), participates in the National Flood Insurance Program and carries Community Rating System class 8, a flood insurance premium discount for policies written there. The EPA places Henderson 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 8, which carries a flood insurance premium discount for policies written in that community. 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 Henderson 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 Henderson County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202444,280
- Households18,522
- Average household size2.39
- Median household income$58,851
- Median age40.9
Common questions
Henderson County questions, answered from the record.
How many people live in Henderson County, Kentucky?
The Census Bureau estimates 44,175 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 44,280, in 18,522 households, ranking 25th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Henderson County's population growing?
The population has fallen 1.38 percent since the 2020 census base of 44,792, to 44,175 on July 1, 2024. In 2024 there were 514 births against 578 deaths, with net migration of 113. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Henderson County?
$58,851. The median owner-occupied home is valued at $171,900, which is 2.9 times income, and median gross rent is $777 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Henderson County?
966 establishments, employing 16,375 people with an annual payroll of $842.6 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 Henderson County?
Manufacturing is the largest private sector at 5,003 jobs, 26.8 percent of covered employment. Covered employment averages 18,686 jobs at an average annual pay of $55,781, or $1,073 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Henderson County?
17 7(a) approvals totaling $10.4 m since FY2020, across 11 lenders, with a median approval of $340,000, plus 7 504 approvals worth $5.4 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Henderson County?
92 housing units were authorized by permit in 2024, with a declared construction value of $28.4 m. Multifamily was 21.7 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Henderson 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 Henderson County come from?
The largest single origin is Vanderburgh County, with 190 households. Arriving households report an average income of $41,382 against $45,058 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Henderson 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 Henderson 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.
Henderson County
Cities and places in Henderson.
6 Census places lie wholly or partly in Henderson County. All 6 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 |
|---|---|---|---|---|
| Henderson | city | 27,852 | 14 | Wholly in this county |
| Corydon | city | 741 | None recorded | Wholly in this county |
| Robards | city | 483 | 3 | Wholly in this county |
| Poole | CDP | 256 | None recorded | 36.2 percent here, 63.8 percent Webster County |
| Spottsville | CDP | 194 | None recorded | Wholly in this county |
| Anthoston | CDP | 144 | None recorded | Wholly in this county |