Oldham County, Kentucky: commercial real estate data.
Oldham County, Kentucky had an estimated 70,525 residents on July 1, 2024, up 4.3 percent since the 2020 census base of 67,608, across 187 square miles. County output reached $3.01 bn in 2024, 1,404 establishments operate here, and the SBA record carries 68 7(a) approvals worth $53.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Oldham County
How many people live in Oldham County
- Population, American Community Survey 2020-202469,257
- Households23,025
- Average household size3.01
- Median household income$122,497
- Median age39.9
- Median gross rent$1,219 per month
- Median owner-occupied home value$393,100
- Home value to household income3.2 times
- Annual rent as a share of median income11.9 percent
- Adults 25 and over with a bachelor degree or higher46.4 percent
- Adults 25 and over with a graduate degree20.0 percent
- Adults 25 and over46,361
- Population under 1817,135
- Share under 1824.7 percent
- Population 65 and over10,096
- Share 65 and over14.6 percent
- Working age population, 18 to 6442,026
- Civilian labor force34,787
- Unemployment rate3.5 percent
- Labor force participation, adults 18 and over66.7 percent
- Rank by population among Kentucky counties12th of 120
- Rank by population among US county-equivalents, Puerto Rico included792nd of 3,222
Oldham County is the 12th largest of 120 Kentucky counties by population. A median home costs 3.2 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 24.7 percent against 14.6 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Oldham County
Is Oldham County's population growing?
- Population, July 1, 202470,525
- Census 2020 base population67,608
- Population change since the 2020 census base4.31 percent
- Population change, 2023 to 2024217
- Births, 2024566
- Deaths, 2024506
- Natural change, 202460
- Net domestic migration, 2024-28
- Net international migration, 2024191
- Total net migration, 2024163
- Cumulative net domestic migration, 2021 to 20242,179
- Rank by growth among US county-equivalents639th of 3,144
The county has grown 4.31 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.
Oldham County
Where are people moving to Oldham County from?
- Tax returns filed by households arriving2,025
- People arriving, from those returns4,306
- Tax returns filed by households leaving1,882
- Net household movement143
- Adjusted gross income arriving$283.2 m
- Net adjusted gross income movement$46.0 m
- Average income of an arriving household$139,873
- Average income of a leaving household$126,072
- Largest single originJefferson County (998 households)
- Largest single destinationJefferson County (768 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Jefferson County | 998 | 2,175 | $180.6 m |
| Henry County | 78 | 160 | $5.1 m |
| Fayette County | 44 | 77 | $2.8 m |
| Shelby County | 38 | 81 | $2.5 m |
| Trimble County | 28 | 58 | $1.6 m |
| Bullitt County | 26 | 41 | $1.7 m |
| Clark County | 24 | 49 | $2.7 m |
| Floyd County | 20 | 37 | $1.6 m |
Households arriving report $13,801 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 Jefferson 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.
Oldham County
What is the Oldham County economy?
- County GDP, 2024$3.01 bn
- County GDP, 2023$2.68 bn
- GDP change, 2023 to 202412.6 percent
- GDP change over five years55.1 percent
- Rank by GDP among the Kentucky areas BEA publishes18th of 120
- Rank by GDP among the US county areas BEA publishes976th of 3,127
- GDP per resident$43,481
Output grew 12.6 percent in the latest year and 55.1 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.
Oldham County
Employment by industry in Oldham County
- Covered employment, annual average17,474
- Establishments reporting2,480
- Average annual pay$68,157
- Average weekly wage$1,311
- Health care and social assistance, employment2,389
- Health care and social assistance, average annual pay$58,038
- Finance and insurance, employment1,912
- Finance and insurance, average annual pay$114,747
- Retail trade, employment1,885
- Retail trade, average annual pay$38,148
- Manufacturing, employment1,774
- Manufacturing, average annual pay$96,179
- Accommodation and food services, employment1,412
- Construction, employment1,275
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 2,389 | 250 | $58,038 |
| Finance and insurance | 1,912 | 144 | $114,747 |
| Retail trade | 1,885 | 156 | $38,148 |
| Manufacturing | 1,774 | 137 | $96,179 |
| Accommodation and food services | 1,412 | 108 | $24,811 |
| Construction | 1,275 | 252 | $69,245 |
| Professional, scientific and technical services | 839 | 476 | $126,838 |
| Administrative and support and waste management services | 620 | 155 | $56,395 |
Health care and social assistance is the largest private sector at 2,389 jobs, 13.7 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Oldham County
How many businesses are in Oldham County?
- Establishments, all industries1,404
- Employment at those establishments14,369
- Annual payroll$775.1 m
- Establishments per 1,000 residents20.3
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.
Oldham County
Building permits in Oldham County
- Housing units authorized by permit, 2024402
- Declared construction value permitted$128.0 m
- Single family units authorized346
- Multifamily units authorized56
- Multifamily share of units13.9 percent
- Average declared value per unit$318,293
- Units authorized per 1,000 households17.5
Single-family homes are 86.1 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Oldham County
SBA loans in Oldham County (7(a) and 504)
- 7(a) approvals recorded68
- 7(a) gross approval dollars$53.0 m
- Average 7(a) approval$778,922
- Median 7(a) approval$314,250
- 10th percentile approval$57,000
- 90th percentile approval$1,990,480
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)551
- Jobs per approval8.1
- Distinct 7(a) lenders active28
- Distinct industries receiving approvals37
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer26.5 percent
- Loans on real estate terms18
- Loans on working capital terms, 120 months or shorter48
- Franchise loans12
- Franchise share of approvals17.6 percent
- Leading industry by approval countAll Other Specialty Trade Contractors (7)
- Most active lenderStock Yards Bank & Trust Company (10)
- 504 approvals recorded12
- 504 gross approval dollars$7.8 m
- Average 504 approval$649,917
- Median 504 approval$452,000
- Distinct CDCs active4
- 504 jobs per approval9.7
- 504 jobs per million dollars approved14.9
- Most active CDCCapital Access Corporation - Kentucky (6)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$60.8 m
The average approval of $778,922 sits well above the median of $314,250, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 26.5 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
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.
Oldham County
SBA loan default and charge-off rates in Oldham County
Do SBA loans in Oldham County get paid back?
- Loans with a final outcome recorded16
- Paid in full16
- Charged off0
- Status: Paid in full16
- Status: Exempt from disclosure38
- Status: Cancelled12
- Status: Committed, not yet disbursed2
Only 16 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.
Oldham County
SBA lending by place in Oldham County
- Borrower cities with recorded lending8
- La Grange, approvals28
- Crestwood, approvals19
- Goshen, approvals6
- Buckner, approvals5
- Pewee Valley, approvals4
- Prospect, approvals3
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| La Grange | 28 | $29,314,500 |
| Crestwood | 19 | $8,991,900 |
| Goshen | 6 | $6,257,600 |
| Buckner | 5 | $4,288,100 |
| Pewee Valley | 4 | $1,960,600 |
| Prospect | 3 | $1,429,700 |
| Louisville | 2 | $410,800 |
| Lexington | 1 | $313,500 |
La Grange accounts for 28 approvals against 19 in Crestwood. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Oldham County
How large is Oldham County?
- Land area187 sq mi
- Rank by land area among Kentucky counties109th of 120
- Width, east to west19.2 mi
- Height, north to south16.5 mi
- Geographies sharing a boundary5
- Residents per square mile of land370
- Establishments per square mile7.51
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.
Oldham County
Flood risk in Oldham County
- Participation of the county's own NFIP community Oldham County, unincorporated areasParticipating, community 210185
- Communities in the county in the NFIP Community Status Book7
- Of those, participating in the NFIP4
- NFIP participation rate57.1 percent
- Communities carrying a CRS class0
- Radon levels in Oldham 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 Oldham County (community 210185), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Oldham 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. 57.1 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 Oldham 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 Oldham County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202469,257
- Households23,025
- Average household size3.01
- Median household income$122,497
- Median age39.9
Common questions
Oldham County questions, answered from the record.
How many people live in Oldham County, Kentucky?
The Census Bureau estimates 70,525 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 69,257, in 23,025 households, ranking 12th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Oldham County's population growing?
The population has grown 4.31 percent since the 2020 census base of 67,608, to 70,525 on July 1, 2024. In 2024 there were 566 births against 506 deaths, with net migration of 163. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Oldham County?
$122,497. The median owner-occupied home is valued at $393,100, which is 3.2 times income, and median gross rent is $1,219 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Oldham County?
1,404 establishments, employing 14,369 people with an annual payroll of $775.1 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 Oldham County?
Health care and social assistance is the largest private sector at 2,389 jobs, 13.7 percent of covered employment. Covered employment averages 17,474 jobs at an average annual pay of $68,157, or $1,311 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Oldham County?
68 7(a) approvals totaling $53.0 m since FY2020, across 28 lenders, with a median approval of $314,250, plus 12 504 approvals worth $7.8 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Oldham County?
402 housing units were authorized by permit in 2024, with a declared construction value of $128.0 m. Multifamily was 13.9 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Oldham 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 Oldham County come from?
The largest single origin is Jefferson County, with 998 households. Arriving households report an average income of $139,873 against $126,072 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Oldham 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 Oldham 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.
Oldham County
Cities and places in Oldham.
8 Census places lie wholly or partly in Oldham County. All 8 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 |
|---|---|---|---|---|
| La Grange | city | 10,311 | 28 | Wholly in this county |
| Crestwood | city | 6,356 | 19 | Wholly in this county |
| Buckner | CDP | 4,119 | 5 | Wholly in this county |
| Orchard Grass Hills | city | 1,912 | None recorded | Wholly in this county |
| Pewee Valley | city | 1,483 | 4 | Wholly in this county |
| Goshen | city | 989 | 6 | Wholly in this county |
| River Bluff | city | 445 | None recorded | Wholly in this county |
| Westport | CDP | 275 | None recorded | Wholly in this county |
A further 6 of the county's 68 SBA 7(a) approvals are to borrowers in cities that match no Census place in Oldham County, the largest being Prospect (3), Louisville (2), Lexington (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