Johnson County, Kentucky: commercial real estate data.
Johnson County, Kentucky had an estimated 22,098 residents on July 1, 2024, down 2.6 percent since the 2020 census base of 22,678, across 262 square miles. County output reached $619.4 m in 2024, 351 establishments operate here, and the SBA record carries 7 7(a) approvals worth $3.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Johnson County
How many people live in Johnson County
- Population, American Community Survey 2020-202422,334
- Households9,040
- Average household size2.47
- Median household income$44,904
- Median age42.0
- Median gross rent$708 per month
- Median owner-occupied home value$120,200
- Home value to household income2.7 times
- Annual rent as a share of median income18.9 percent
- Adults 25 and over with a bachelor degree or higher16.8 percent
- Adults 25 and over with a graduate degree7.3 percent
- Adults 25 and over15,736
- Population under 184,966
- Share under 1822.2 percent
- Population 65 and over4,278
- Share 65 and over19.2 percent
- Working age population, 18 to 6413,090
- Civilian labor force8,460
- Unemployment rate4.2 percent
- Labor force participation, adults 18 and over48.7 percent
- Rank by population among Kentucky counties52nd of 120
- Rank by population among US county-equivalents, Puerto Rico included1759th of 3,222
Johnson County is the 52nd largest of 120 Kentucky counties by population. A median home costs 2.7 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 22.2 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.
Johnson County
Is Johnson County's population growing?
- Population, July 1, 202422,098
- Census 2020 base population22,678
- Population change since the 2020 census base-2.56 percent
- Population change, 2023 to 2024-41
- Births, 2024231
- Deaths, 2024384
- Natural change, 2024-153
- Net domestic migration, 2024100
- Net international migration, 202414
- Total net migration, 2024114
- Cumulative net domestic migration, 2021 to 202449
- Rank by growth among US county-equivalents2652nd of 3,144
The county has lost 2.56 percent of its population since the 2020 census base. Deaths exceeded births in 2024 by more than net migration added, so the population fell even though more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Johnson County
Where are people moving to Johnson County from?
- Tax returns filed by households arriving371
- People arriving, from those returns764
- Tax returns filed by households leaving371
- Net household movement0
- Adjusted gross income arriving$16.6 m
- Net adjusted gross income movement$1.5 m
- Average income of an arriving household$44,650
- Average income of a leaving household$40,701
- Largest single originFloyd County (89 households)
- Largest single destinationFloyd County (74 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Floyd County | 89 | 193 | $3.6 m |
| Lawrence County | 33 | 69 | $1.1 m |
| Magoffin County | 30 | 63 | $1.0 m |
| Martin County | 22 | 52 | $913,000 |
Households arriving report $3,949 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 Floyd 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.
Johnson County
What is the Johnson County economy?
- County GDP, 2024$619.4 m
- County GDP, 2023$585.2 m
- GDP change, 2023 to 20245.8 percent
- GDP change over five years33.9 percent
- Rank by GDP among the Kentucky areas BEA publishes62nd of 120
- Rank by GDP among the US county areas BEA publishes2247th of 3,127
- GDP per resident$27,732
Output grew 5.8 percent in the latest year and 33.9 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.
Johnson County
Employment by industry in Johnson County
- Covered employment, annual average5,352
- Establishments reporting640
- Average annual pay$42,878
- Average weekly wage$825
- Retail trade, employment1,351
- Retail trade, average annual pay$31,208
- Health care and social assistance, employment917
- Health care and social assistance, average annual pay$57,880
- Construction, employment148
- Construction, average annual pay$50,130
- Finance and insurance, employment148
- Finance and insurance, average annual pay$54,015
- Professional, scientific and technical services, employment143
- Other services, except public administration, employment136
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 1,351 | 102 | $31,208 |
| Health care and social assistance | 917 | 161 | $57,880 |
| Construction | 148 | 31 | $50,130 |
| Finance and insurance | 148 | 30 | $54,015 |
| Professional, scientific and technical services | 143 | 44 | $52,460 |
| Other services, except public administration | 136 | 38 | $35,334 |
| Information | 106 | 12 | $74,786 |
| Transportation and warehousing | 68 | 16 | $63,840 |
Retail trade is the largest private sector at 1,351 jobs, 25.2 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Johnson County
How many businesses are in Johnson County?
- Establishments, all industries351
- Employment at those establishments3,592
- Annual payroll$134.9 m
- Establishments per 1,000 residents15.7
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.
Johnson County
SBA loans in Johnson County (7(a) and 504)
- 7(a) approvals recorded7
- 7(a) gross approval dollars$3.0 m
- Average 7(a) approval$433,429
- Median 7(a) approval$171,000
- Largest single approval$1,944,000
- Jobs reported supported, 7(a)62
- Jobs per approval8.9
- Distinct 7(a) lenders active5
- Distinct industries receiving approvals7
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer28.6 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter5
- Franchise loans1
- Franchise share of approvals14.3 percent
- 504 approvals recorded1
- 504 gross approval dollars$547,000
- Average 504 approval$547,000
- Median 504 approval$547,000
- Distinct CDCs active1
- 504 jobs per approval7.0
- 504 jobs per million dollars approved12.8
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$3.6 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.
Johnson County
SBA loan default and charge-off rates in Johnson County
Do SBA loans in Johnson County get paid back?
- Loans with a final outcome recorded2
- Paid in full1
- Charged off1
- Status: Charged off1
- Status: Exempt from disclosure3
- Status: Cancelled2
- Status: Paid in full1
Only 2 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.
Johnson County
How large is Johnson County?
- Land area262 sq mi
- Rank by land area among Kentucky counties77th of 120
- Width, east to west21.4 mi
- Height, north to south19.6 mi
- Geographies sharing a boundary5
- Residents per square mile of land85
- Establishments per square mile1.34
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.
Johnson County
Flood risk in Johnson County
- Participation of the county's own NFIP community Johnson County, unincorporated areasParticipating, community 210339
- Communities in the county in the NFIP Community Status Book2
- Of those, participating in the NFIP2
- 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 9
- Communities carrying a CRS class1
- Radon levels in Johnson 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 Johnson County (community 210339), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Johnson 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 9, 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 Johnson 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 Johnson County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202422,334
- Households9,040
- Average household size2.47
- Median household income$44,904
- Median age42.0
Common questions
Johnson County questions, answered from the record.
How many people live in Johnson County, Kentucky?
The Census Bureau estimates 22,098 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 22,334, in 9,040 households, ranking 52nd of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Johnson County's population growing?
The population has fallen 2.56 percent since the 2020 census base of 22,678, to 22,098 on July 1, 2024. In 2024 there were 231 births against 384 deaths, with net migration of 114. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Johnson County?
$44,904. The median owner-occupied home is valued at $120,200, which is 2.7 times income, and median gross rent is $708 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Johnson County?
351 establishments, employing 3,592 people with an annual payroll of $134.9 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 Johnson County?
Retail trade is the largest private sector at 1,351 jobs, 25.2 percent of covered employment. Covered employment averages 5,352 jobs at an average annual pay of $42,878, or $825 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Johnson County?
7 7(a) approvals totaling $3.0 m since FY2020, across 5 lenders, with a median approval of $171,000, plus 1 504 approvals worth $547,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
What is the radon zone for Johnson 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 Johnson County come from?
The largest single origin is Floyd County, with 89 households. Arriving households report an average income of $44,650 against $40,701 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Johnson 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 Johnson 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.
Johnson County
Cities and places in Johnson.
3 Census places lie wholly or partly in Johnson County. All 3 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 |
|---|---|---|---|---|
| Paintsville | city | 4,203 | 7 | Wholly in this county |
| West Van Lear | CDP | 1,155 | None recorded | Wholly in this county |
| Van Lear | CDP | 443 | None recorded | Wholly in this county |
Nearby