Scott County, Kentucky: commercial real estate data.
Scott County, Kentucky had an estimated 61,700 residents on July 1, 2024, up 7.9 percent since the 2020 census base of 57,163, across 282 square miles. County output reached $4.50 bn in 2024, 1,058 establishments operate here, and the SBA record carries 55 7(a) approvals worth $19.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Scott County
How many people live in Scott County
- Population, American Community Survey 2020-202459,536
- Households22,642
- Average household size2.63
- Median household income$85,158
- Median age36.4
- Median gross rent$1,247 per month
- Median owner-occupied home value$288,500
- Home value to household income3.4 times
- Annual rent as a share of median income17.6 percent
- Adults 25 and over with a bachelor degree or higher34.7 percent
- Adults 25 and over with a graduate degree12.7 percent
- Adults 25 and over39,383
- Population under 1814,479
- Share under 1824.3 percent
- Population 65 and over7,978
- Share 65 and over13.4 percent
- Working age population, 18 to 6437,079
- Civilian labor force31,495
- Unemployment rate4.3 percent
- Labor force participation, adults 18 and over69.9 percent
- Rank by population among Kentucky counties16th of 120
- Rank by population among US county-equivalents, Puerto Rico included901st of 3,222
Scott County is the 16th largest of 120 Kentucky counties by population. A median home costs 3.4 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 24.3 percent against 13.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Scott County
Is Scott County's population growing?
- Population, July 1, 202461,700
- Census 2020 base population57,163
- Population change since the 2020 census base7.94 percent
- Population change, 2023 to 20241,100
- Births, 2024705
- Deaths, 2024462
- Natural change, 2024243
- Net domestic migration, 2024673
- Net international migration, 2024178
- Total net migration, 2024851
- Cumulative net domestic migration, 2021 to 20242,980
- Rank by growth among US county-equivalents240th of 3,144
The county has grown 7.94 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.
Scott County
Where are people moving to Scott County from?
- Tax returns filed by households arriving2,124
- People arriving, from those returns3,913
- Tax returns filed by households leaving1,724
- Net household movement400
- Adjusted gross income arriving$133.4 m
- Net adjusted gross income movement$28.3 m
- Average income of an arriving household$62,828
- Average income of a leaving household$61,005
- Largest single originFayette County (593 households)
- Largest single destinationFayette County (402 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Fayette County | 593 | 1,102 | $39.1 m |
| Harrison County | 98 | 190 | $5.3 m |
| Franklin County | 94 | 170 | $5.1 m |
| Jessamine County | 63 | 137 | $4.3 m |
| Madison County | 63 | 107 | $3.2 m |
| Bourbon County | 48 | 97 | $2.8 m |
| Jefferson County | 45 | 66 | $2.5 m |
| Pike County | 39 | 64 | $2.1 m |
Households arriving report $1,823 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 Fayette 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.
Scott County
What is the Scott County economy?
- County GDP, 2024$4.50 bn
- County GDP, 2023$4.14 bn
- GDP change, 2023 to 20248.9 percent
- GDP change over five years26.8 percent
- Rank by GDP among the Kentucky areas BEA publishes12th of 120
- Rank by GDP among the US county areas BEA publishes754th of 3,127
- GDP per resident$75,655
Output grew 8.9 percent in the latest year and 26.8 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.
Scott County
Employment by industry in Scott County
- Covered employment, annual average31,634
- Establishments reporting1,819
- Average annual pay$72,236
- Average weekly wage$1,389
- Manufacturing, employment12,945
- Manufacturing, average annual pay$92,511
- Accommodation and food services, employment2,610
- Accommodation and food services, average annual pay$22,261
- Health care and social assistance, employment2,438
- Health care and social assistance, average annual pay$61,640
- Administrative and support and waste management services, employment1,982
- Administrative and support and waste management services, average annual pay$43,986
- Retail trade, employment1,972
- Transportation and warehousing, employment1,574
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 12,945 | 90 | $92,511 |
| Accommodation and food services | 2,610 | 128 | $22,261 |
| Health care and social assistance | 2,438 | 240 | $61,640 |
| Administrative and support and waste management services | 1,982 | 108 | $43,986 |
| Retail trade | 1,972 | 167 | $36,664 |
| Transportation and warehousing | 1,574 | 54 | $66,241 |
| Construction | 661 | 138 | $66,044 |
| Other services, except public administration | 449 | 112 | $46,130 |
Manufacturing is the largest private sector at 12,945 jobs, 40.9 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Scott County
How many businesses are in Scott County?
- Establishments, all industries1,058
- Employment at those establishments26,711
- Annual payroll$1.63 bn
- Establishments per 1,000 residents17.8
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.
Scott County
Building permits in Scott County
- Housing units authorized by permit, 2024546
- Declared construction value permitted$126.6 m
- Single family units authorized430
- Multifamily units authorized116
- Multifamily share of units21.2 percent
- Average declared value per unit$231,876
- Units authorized per 1,000 households24.1
Single-family homes are 78.8 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Scott County
SBA loans in Scott County (7(a) and 504)
- 7(a) approvals recorded55
- 7(a) gross approval dollars$19.9 m
- Average 7(a) approval$362,135
- Median 7(a) approval$100,000
- 10th percentile approval$15,080
- 90th percentile approval$790,200
- Largest single approval$3,575,000
- Jobs reported supported, 7(a)414
- Jobs per approval7.5
- Distinct 7(a) lenders active17
- Distinct industries receiving approvals33
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer9.1 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter46
- Franchise loans5
- Franchise share of approvals9.1 percent
- Leading industry by approval countGeneral Freight Trucking, Local (9)
- Most active lenderCommunity Trust Bank, Inc. (30)
- 504 approvals recorded7
- 504 gross approval dollars$4.8 m
- Average 504 approval$688,714
- Median 504 approval$610,000
- Distinct CDCs active2
- 504 jobs per approval4.7
- 504 jobs per million dollars approved6.8
- Most active CDCCommunity Ventures Corporation (4)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$24.7 m
The average approval of $362,135 sits well above the median of $100,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 9.1 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.
Scott County
SBA loan default and charge-off rates in Scott County
Do SBA loans in Scott County get paid back?
- Loans with a final outcome recorded15
- Paid in full14
- Charged off1
- Status: Exempt from disclosure35
- Status: Paid in full14
- Status: Cancelled3
- Status: Charged off1
- Status: Committed, not yet disbursed2
Only 15 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.
Scott County
SBA lending by place in Scott County
- Borrower cities with recorded lending4
- Georgetown, approvals48
- Sadieville, approvals3
- Stamping Ground, approvals3
- Corinth, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Georgetown | 48 | $17,692,200 |
| Sadieville | 3 | $375,000 |
| Stamping Ground | 3 | $75,200 |
| Corinth | 1 | $1,775,000 |
Georgetown accounts for 48 approvals against 3 in Sadieville. 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.
Scott County
How large is Scott County?
- Land area282 sq mi
- Rank by land area among Kentucky counties72nd of 120
- Width, east to west18.4 mi
- Height, north to south26 mi
- Geographies sharing a boundary7
- Residents per square mile of land211
- Establishments per square mile3.75
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.
Scott County
Flood risk in Scott County
- Participation of the county's own NFIP community Scott County, unincorporated areasParticipating, community 210207
- Communities in the county in the NFIP Community Status Book4
- Of those, participating in the NFIP4
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Scott 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 Scott County (community 210207), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Scott 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. 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 Scott 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 Scott County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202459,536
- Households22,642
- Average household size2.63
- Median household income$85,158
- Median age36.4
Common questions
Scott County questions, answered from the record.
How many people live in Scott County, Kentucky?
The Census Bureau estimates 61,700 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 59,536, in 22,642 households, ranking 16th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Scott County's population growing?
The population has grown 7.94 percent since the 2020 census base of 57,163, to 61,700 on July 1, 2024. In 2024 there were 705 births against 462 deaths, with net migration of 851. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Scott County?
$85,158. The median owner-occupied home is valued at $288,500, which is 3.4 times income, and median gross rent is $1,247 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Scott County?
1,058 establishments, employing 26,711 people with an annual payroll of $1.63 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Scott County?
Manufacturing is the largest private sector at 12,945 jobs, 40.9 percent of covered employment. Covered employment averages 31,634 jobs at an average annual pay of $72,236, or $1,389 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Scott County?
55 7(a) approvals totaling $19.9 m since FY2020, across 17 lenders, with a median approval of $100,000, plus 7 504 approvals worth $4.8 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Scott County?
546 housing units were authorized by permit in 2024, with a declared construction value of $126.6 m. Multifamily was 21.2 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Scott 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 Scott County come from?
The largest single origin is Fayette County, with 593 households. Arriving households report an average income of $62,828 against $61,005 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Scott 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 Scott 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.
Scott County
Cities and places in Scott.
3 Census places lie wholly or partly in Scott 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 |
|---|---|---|---|---|
| Georgetown | city | 39,117 | 48 | Wholly in this county |
| Stamping Ground | city | 994 | 3 | Wholly in this county |
| Sadieville | city | 370 | 3 | Wholly in this county |
A further 1 of the county's 55 SBA 7(a) approvals are to borrowers in cities that match no Census place in Scott County, the largest being Corinth (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.