Pulaski County, Kentucky: commercial real estate data.
Pulaski County, Kentucky had an estimated 66,842 residents on July 1, 2024, up 2.8 percent since the 2020 census base of 65,032, across 658 square miles. County output reached $3.03 bn in 2024, 1,454 establishments operate here, and the SBA record carries 25 7(a) approvals worth $7.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Pulaski County
How many people live in Pulaski County
- Population, American Community Survey 2020-202465,897
- Households26,210
- Average household size2.51
- Median household income$51,898
- Median age42.3
- Median gross rent$803 per month
- Median owner-occupied home value$166,900
- Home value to household income3.2 times
- Annual rent as a share of median income18.6 percent
- Adults 25 and over with a bachelor degree or higher18.1 percent
- Adults 25 and over with a graduate degree7.9 percent
- Adults 25 and over46,570
- Population under 1814,636
- Share under 1822.2 percent
- Population 65 and over12,825
- Share 65 and over19.5 percent
- Working age population, 18 to 6438,436
- Civilian labor force27,808
- Unemployment rate4.9 percent
- Labor force participation, adults 18 and over54.2 percent
- Rank by population among Kentucky counties14th of 120
- Rank by population among US county-equivalents, Puerto Rico included832nd of 3,222
Pulaski County is the 14th 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 22.2 percent against 19.5 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Pulaski County
Is Pulaski County's population growing?
- Population, July 1, 202466,842
- Census 2020 base population65,032
- Population change since the 2020 census base2.78 percent
- Population change, 2023 to 2024623
- Births, 2024666
- Deaths, 2024937
- Natural change, 2024-271
- Net domestic migration, 2024797
- Net international migration, 202499
- Total net migration, 2024896
- Cumulative net domestic migration, 2021 to 20242,711
- Rank by growth among US county-equivalents930th of 3,144
The county has grown 2.78 percent 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.
Pulaski County
Where are people moving to Pulaski County from?
- Tax returns filed by households arriving1,343
- People arriving, from those returns2,546
- Tax returns filed by households leaving1,045
- Net household movement298
- Adjusted gross income arriving$69.3 m
- Net adjusted gross income movement$21.4 m
- Average income of an arriving household$51,608
- Average income of a leaving household$45,860
- Largest single originWayne County (97 households)
- Largest single destinationWayne County (65 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Wayne County | 97 | 183 | $3.2 m |
| Lincoln County | 59 | 110 | $2.0 m |
| Laurel County | 57 | 99 | $2.1 m |
| Russell County | 48 | 101 | $2.0 m |
| Madison County | 46 | 66 | $2.2 m |
| Fayette County | 44 | 83 | $1.8 m |
| McCreary County | 41 | 73 | $1.3 m |
| Jefferson County | 27 | 46 | $1.4 m |
Households arriving report $5,748 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 Wayne 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.
Pulaski County
What is the Pulaski County economy?
- County GDP, 2024$3.03 bn
- County GDP, 2023$2.92 bn
- GDP change, 2023 to 20243.7 percent
- GDP change over five years34.2 percent
- Rank by GDP among the Kentucky areas BEA publishes17th of 120
- Rank by GDP among the US county areas BEA publishes973rd of 3,127
- GDP per resident$46,033
Output grew 3.7 percent in the latest year and 34.2 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.
Pulaski County
Employment by industry in Pulaski County
- Covered employment, annual average26,252
- Establishments reporting2,166
- Average annual pay$48,057
- Average weekly wage$924
- Health care and social assistance, employment5,985
- Health care and social assistance, average annual pay$60,640
- Manufacturing, employment3,525
- Manufacturing, average annual pay$54,550
- Retail trade, employment3,438
- Retail trade, average annual pay$36,510
- Accommodation and food services, employment2,366
- Accommodation and food services, average annual pay$20,966
- Construction, employment1,223
- Wholesale trade, employment1,221
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 5,985 | 506 | $60,640 |
| Manufacturing | 3,525 | 92 | $54,550 |
| Retail trade | 3,438 | 336 | $36,510 |
| Accommodation and food services | 2,366 | 121 | $20,966 |
| Construction | 1,223 | 158 | $52,613 |
| Wholesale trade | 1,221 | 86 | $57,534 |
| Administrative and support and waste management services | 1,080 | 90 | $31,199 |
| Professional, scientific and technical services | 806 | 204 | $50,352 |
Health care and social assistance is the largest private sector at 5,985 jobs, 22.8 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Pulaski County
How many businesses are in Pulaski County?
- Establishments, all industries1,454
- Employment at those establishments21,712
- Annual payroll$956.9 m
- Establishments per 1,000 residents22.1
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.
Pulaski County
Building permits in Pulaski County
- Housing units authorized by permit, 2024122
- Declared construction value permitted$22.5 m
- Single family units authorized49
- Multifamily units authorized73
- Multifamily share of units59.8 percent
- Average declared value per unit$184,306
- Units authorized per 1,000 households4.7
Multifamily is 59.8 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Pulaski County
SBA loans in Pulaski County (7(a) and 504)
- 7(a) approvals recorded25
- 7(a) gross approval dollars$7.6 m
- Average 7(a) approval$305,264
- Median 7(a) approval$250,000
- 10th percentile approval$25,280
- 90th percentile approval$576,000
- Largest single approval$1,550,000
- Jobs reported supported, 7(a)189
- Jobs per approval7.6
- Distinct 7(a) lenders active11
- Distinct industries receiving approvals19
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer16.0 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter18
- Franchise loans2
- Franchise share of approvals8.0 percent
- Most active lenderCommunity Trust Bank, Inc. (14)
- 504 approvals recorded6
- 504 gross approval dollars$3.2 m
- Average 504 approval$531,000
- Median 504 approval$583,500
- Distinct CDCs active2
- 504 jobs per approval30.3
- 504 jobs per million dollars approved57.1
- Most active CDCCommunity Ventures Corporation (4)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$10.8 m
The average approval of $305,264 sits above the median of $250,000; the median is the better guide to what a typical borrower here gets. Only 16.0 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.
Pulaski County
SBA loan default and charge-off rates in Pulaski County
Do SBA loans in Pulaski County get paid back?
- Loans with a final outcome recorded8
- Paid in full8
- Charged off0
- Status: Exempt from disclosure13
- Status: Paid in full8
- Status: Cancelled4
Only 8 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.
Pulaski County
SBA lending by place in Pulaski County
- Borrower cities with recorded lending6
- Somerset, approvals16
- Ferguson, approvals3
- Science Hill, approvals3
- Burnside, approvals1
- Nancy, approvals1
- Eubank, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Somerset | 16 | $5,210,900 |
| Ferguson | 3 | $820,000 |
| Science Hill | 3 | $490,000 |
| Burnside | 1 | $660,000 |
| Nancy | 1 | $425,000 |
| Eubank | 1 | $25,700 |
Somerset accounts for 16 approvals against 3 in Ferguson. 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.
Pulaski County
How large is Pulaski County?
- Land area658 sq mi
- Rank by land area among Kentucky counties3rd of 120
- Width, east to west34 mi
- Height, north to south33.7 mi
- Geographies sharing a boundary7
- Residents per square mile of land100
- 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.
Pulaski County
Flood risk in Pulaski County
- Participation of the county's own NFIP community Pulaski County, unincorporated areasParticipating, community 210197
- Communities in the county in the NFIP Community Status Book4
- Of those, participating in the NFIP2
- NFIP participation rate50.0 percent
- Communities carrying a CRS class0
- Radon levels in Pulaski 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 Pulaski County (community 210197), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Pulaski 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. 50.0 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 Pulaski 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 Pulaski County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202465,897
- Households26,210
- Average household size2.51
- Median household income$51,898
- Median age42.3
Common questions
Pulaski County questions, answered from the record.
How many people live in Pulaski County, Kentucky?
The Census Bureau estimates 66,842 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 65,897, in 26,210 households, ranking 14th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Pulaski County's population growing?
The population has grown 2.78 percent since the 2020 census base of 65,032, to 66,842 on July 1, 2024. In 2024 there were 666 births against 937 deaths, with net migration of 896. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Pulaski County?
$51,898. The median owner-occupied home is valued at $166,900, which is 3.2 times income, and median gross rent is $803 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Pulaski County?
1,454 establishments, employing 21,712 people with an annual payroll of $956.9 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 Pulaski County?
Health care and social assistance is the largest private sector at 5,985 jobs, 22.8 percent of covered employment. Covered employment averages 26,252 jobs at an average annual pay of $48,057, or $924 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Pulaski County?
25 7(a) approvals totaling $7.6 m since FY2020, across 11 lenders, with a median approval of $250,000, plus 6 504 approvals worth $3.2 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Pulaski County?
122 housing units were authorized by permit in 2024, with a declared construction value of $22.5 m. Multifamily was 59.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Pulaski 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 Pulaski County come from?
The largest single origin is Wayne County, with 97 households. Arriving households report an average income of $51,608 against $45,860 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Pulaski 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 Pulaski 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.
Pulaski County
Cities and places in Pulaski.
5 Census places lie wholly or partly in Pulaski 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 |
|---|---|---|---|---|
| Somerset | city | 12,216 | 16 | Wholly in this county |
| Ferguson | city | 849 | 3 | Wholly in this county |
| Burnside | city | 755 | 1 | Wholly in this county |
| Science Hill | city | 647 | 3 | Wholly in this county |
| Eubank | city | 412 | 1 | 87.0 percent here, 13.0 percent Lincoln County |
A further 1 of the county's 25 SBA 7(a) approvals are to borrowers in cities that match no Census place in Pulaski County, the largest being Nancy (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