Henry County, Kentucky: commercial real estate data.
Henry County, Kentucky had an estimated 16,198 residents on July 1, 2024, up 3.3 percent since the 2020 census base of 15,676, across 286 square miles. County output reached $476.3 m in 2024, 212 establishments operate here, and the SBA record carries 10 7(a) approvals worth $8.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Henry County
How many people live in Henry County
- Population, American Community Survey 2020-202415,856
- Households6,147
- Average household size2.58
- Median household income$63,347
- Median age41.0
- Median gross rent$895 per month
- Median owner-occupied home value$197,900
- Home value to household income3.1 times
- Annual rent as a share of median income17.0 percent
- Adults 25 and over with a bachelor degree or higher15.5 percent
- Adults 25 and over with a graduate degree5.5 percent
- Adults 25 and over10,948
- Population under 183,722
- Share under 1823.5 percent
- Population 65 and over2,914
- Share 65 and over18.4 percent
- Working age population, 18 to 649,220
- Civilian labor force7,251
- Unemployment rate5.0 percent
- Labor force participation, adults 18 and over59.8 percent
- Rank by population among Kentucky counties72nd of 120
- Rank by population among US county-equivalents, Puerto Rico included2107th of 3,222
Henry County is the 72nd largest of 120 Kentucky counties by population. A median home costs 3.1 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 23.5 percent against 18.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Henry County
Is Henry County's population growing?
- Population, July 1, 202416,198
- Census 2020 base population15,676
- Population change since the 2020 census base3.33 percent
- Population change, 2023 to 2024247
- Births, 2024190
- Deaths, 2024167
- Natural change, 202423
- Net domestic migration, 2024206
- Net international migration, 202419
- Total net migration, 2024225
- Cumulative net domestic migration, 2021 to 2024536
- Rank by growth among US county-equivalents807th of 3,144
The county has grown 3.33 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.
Henry County
Where are people moving to Henry County from?
- Tax returns filed by households arriving467
- People arriving, from those returns929
- Tax returns filed by households leaving450
- Net household movement17
- Adjusted gross income arriving$29.9 m
- Net adjusted gross income movement$7.6 m
- Average income of an arriving household$63,923
- Average income of a leaving household$49,464
- Largest single originOldham County (95 households)
- Largest single destinationShelby County (99 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Oldham County | 95 | 197 | $7.2 m |
| Shelby County | 91 | 199 | $4.5 m |
| Jefferson County | 88 | 163 | $7.3 m |
| Trimble County | 23 | 43 | $971,000 |
Households arriving report $14,459 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 Oldham 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.
Henry County
What is the Henry County economy?
- County GDP, 2024$476.3 m
- County GDP, 2023$433.5 m
- GDP change, 2023 to 20249.9 percent
- GDP change over five years46.4 percent
- Rank by GDP among the Kentucky areas BEA publishes75th of 120
- Rank by GDP among the US county areas BEA publishes2433rd of 3,127
- GDP per resident$30,039
Output grew 9.9 percent in the latest year and 46.4 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.
Henry County
Employment by industry in Henry County
- Covered employment, annual average2,892
- Establishments reporting404
- Average annual pay$49,764
- Average weekly wage$957
- Manufacturing, employment486
- Manufacturing, average annual pay$73,698
- Retail trade, employment308
- Retail trade, average annual pay$32,432
- Construction, employment94
- Construction, average annual pay$53,553
- Administrative and support and waste management services, employment83
- Administrative and support and waste management services, average annual pay$71,550
- Finance and insurance, employment81
- Other services, except public administration, employment77
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 486 | 23 | $73,698 |
| Retail trade | 308 | 49 | $32,432 |
| Construction | 94 | 38 | $53,553 |
| Administrative and support and waste management services | 83 | 18 | $71,550 |
| Finance and insurance | 81 | 21 | $46,950 |
| Other services, except public administration | 77 | 31 | $51,123 |
| Professional, scientific and technical services | 66 | 55 | $74,823 |
| Real estate and rental and leasing | 25 | 9 | $64,386 |
Manufacturing is the largest private sector at 486 jobs, 16.8 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Henry County
How many businesses are in Henry County?
- Establishments, all industries212
- Employment at those establishments1,707
- Annual payroll$82.0 m
- Establishments per 1,000 residents13.4
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.
Henry County
Building permits in Henry County
- Housing units authorized by permit, 202465
- Declared construction value permitted$18.0 m
- Single family units authorized59
- Multifamily units authorized6
- Multifamily share of units9.2 percent
- Average declared value per unit$277,422
- Units authorized per 1,000 households10.6
Single-family homes are 90.8 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Henry County
SBA loans in Henry County (7(a) and 504)
- 7(a) approvals recorded10
- 7(a) gross approval dollars$8.2 m
- Average 7(a) approval$819,340
- Median 7(a) approval$465,000
- Largest single approval$2,620,000
- Jobs reported supported, 7(a)104
- Jobs per approval10.4
- Distinct 7(a) lenders active9
- Distinct industries receiving approvals8
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer10.0 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter7
- Franchise loans1
- Franchise share of approvals10.0 percent
- 504 approvals recorded1
- 504 gross approval dollars$141,000
- Average 504 approval$141,000
- Median 504 approval$141,000
- Distinct CDCs active1
- 504 jobs per approval4.0
- 504 jobs per million dollars approved28.4
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$8.3 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.
Henry County
SBA loan default and charge-off rates in Henry County
Do SBA loans in Henry County get paid back?
- Loans with a final outcome recorded3
- Paid in full0
- Charged off3
- Status: Cancelled3
- Status: Exempt from disclosure3
- Status: Charged off3
- Status: Committed, not yet disbursed1
Only 3 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.
Henry County
SBA lending by place in Henry County
- Borrower cities with recorded lending6
- Campbellsburg, approvals3
- Pleasureville, approvals2
- Eminence, approvals2
- Fort Thomas, approvals1
- Smithfield, approvals1
- New Castle, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Campbellsburg | 3 | $837,400 |
| Pleasureville | 2 | $3,100,000 |
| Eminence | 2 | $3,050,000 |
| Fort Thomas | 1 | $948,300 |
| Smithfield | 1 | $168,700 |
| New Castle | 1 | $89,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Henry County
How large is Henry County?
- Land area286 sq mi
- Rank by land area among Kentucky counties70th of 120
- Width, east to west25.8 mi
- Height, north to south18 mi
- Geographies sharing a boundary6
- Residents per square mile of land55
- Establishments per square mile0.74
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.
Henry County
Flood risk in Henry County
- Participation of the county's own NFIP community Henry County, unincorporated areasParticipating, community 210110
- Communities in the county in the NFIP Community Status Book5
- Of those, participating in the NFIP2
- NFIP participation rate40.0 percent
- Communities carrying a CRS class0
- Radon levels in Henry 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 Henry County (community 210110), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Henry 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. 40.0 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 Henry 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 Henry County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202415,856
- Households6,147
- Average household size2.58
- Median household income$63,347
- Median age41.0
Common questions
Henry County questions, answered from the record.
How many people live in Henry County, Kentucky?
The Census Bureau estimates 16,198 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 15,856, in 6,147 households, ranking 72nd of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Henry County's population growing?
The population has grown 3.33 percent since the 2020 census base of 15,676, to 16,198 on July 1, 2024. In 2024 there were 190 births against 167 deaths, with net migration of 225. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Henry County?
$63,347. The median owner-occupied home is valued at $197,900, which is 3.1 times income, and median gross rent is $895 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Henry County?
212 establishments, employing 1,707 people with an annual payroll of $82.0 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 Henry County?
Manufacturing is the largest private sector at 486 jobs, 16.8 percent of covered employment. Covered employment averages 2,892 jobs at an average annual pay of $49,764, or $957 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Henry County?
10 7(a) approvals totaling $8.2 m since FY2020, across 9 lenders, with a median approval of $465,000, plus 1 504 approvals worth $141,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Henry County?
65 housing units were authorized by permit in 2024, with a declared construction value of $18.0 m. Multifamily was 9.2 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Henry 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 Henry County come from?
The largest single origin is Oldham County, with 95 households. Arriving households report an average income of $63,923 against $49,464 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Henry 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 Henry 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.
Henry County
Cities and places in Henry.
5 Census places lie wholly or partly in Henry County. All 5 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 |
|---|---|---|---|---|
| Eminence | city | 2,724 | 2 | Wholly in this county |
| Pleasureville | city | 1,123 | 2 | 83.5 percent here, 16.5 percent Shelby County |
| New Castle | city | 1,052 | 1 | Wholly in this county |
| Campbellsburg | city | 1,016 | 3 | Wholly in this county |
| Smithfield | city | 153 | 1 | Wholly in this county |
A further 1 of the county's 10 SBA 7(a) approvals are to borrowers in cities that match no Census place in Henry County, the largest being Fort Thomas (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.
Nearby