Todd County, Kentucky: commercial real estate data.
Todd County, Kentucky had an estimated 12,757 residents on July 1, 2024, up 4.2 percent since the 2020 census base of 12,242, across 374 square miles. County output reached $568.8 m in 2024, 208 establishments operate here, and the SBA record carries 2 7(a) approvals worth $1.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Todd County
How many people live in Todd County
- Population, American Community Survey 2020-202412,469
- Households4,559
- Average household size2.74
- Median household income$61,103
- Median age36.1
- Median gross rent$851 per month
- Median owner-occupied home value$166,700
- Home value to household income2.7 times
- Annual rent as a share of median income16.7 percent
- Adults 25 and over with a bachelor degree or higher16.5 percent
- Adults 25 and over with a graduate degree6.5 percent
- Adults 25 and over8,137
- Population under 183,370
- Share under 1827.0 percent
- Population 65 and over2,118
- Share 65 and over17.0 percent
- Working age population, 18 to 646,981
- Civilian labor force5,416
- Unemployment rate3.2 percent
- Labor force participation, adults 18 and over59.5 percent
- Rank by population among Kentucky counties88th of 120
- Rank by population among US county-equivalents, Puerto Rico included2320th of 3,222
Todd County is the 88th 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 27.0 percent against 17.0 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Todd County
Is Todd County's population growing?
- Population, July 1, 202412,757
- Census 2020 base population12,242
- Population change since the 2020 census base4.21 percent
- Population change, 2023 to 2024181
- Births, 2024164
- Deaths, 2024167
- Natural change, 2024-3
- Net domestic migration, 2024125
- Net international migration, 202460
- Total net migration, 2024185
- Cumulative net domestic migration, 2021 to 2024290
- Rank by growth among US county-equivalents651st of 3,144
The county has grown 4.21 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.
Todd County
Where are people moving to Todd County from?
- Tax returns filed by households arriving263
- People arriving, from those returns542
- Tax returns filed by households leaving282
- Net household movement-19
- Adjusted gross income arriving$12.3 m
- Net adjusted gross income movement$1.4 m
- Average income of an arriving household$46,890
- Average income of a leaving household$38,592
- Largest single originMontgomery County (54 households)
- Largest single destinationChristian County (60 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Montgomery County | 54 | 107 | $2.5 m |
| Christian County | 41 | 96 | $1.9 m |
| Logan County | 39 | 78 | $1.5 m |
Households arriving report $8,298 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 Montgomery 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.
Todd County
What is the Todd County economy?
- County GDP, 2024$568.8 m
- County GDP, 2023$560.6 m
- GDP change, 2023 to 20241.5 percent
- GDP change over five years58.9 percent
- Rank by GDP among the Kentucky areas BEA publishes66th of 120
- Rank by GDP among the US county areas BEA publishes2318th of 3,127
- GDP per resident$45,615
Output grew 1.5 percent in the latest year and 58.9 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.
Todd County
Employment by industry in Todd County
- Covered employment, annual average2,812
- Establishments reporting323
- Average annual pay$47,765
- Average weekly wage$919
- Manufacturing, employment550
- Manufacturing, average annual pay$70,402
- Retail trade, employment324
- Retail trade, average annual pay$28,121
- Wholesale trade, employment253
- Wholesale trade, average annual pay$51,226
- Construction, employment145
- Construction, average annual pay$70,771
- Finance and insurance, employment87
- Professional, scientific and technical services, employment55
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 550 | 28 | $70,402 |
| Retail trade | 324 | 46 | $28,121 |
| Wholesale trade | 253 | 18 | $51,226 |
| Construction | 145 | 23 | $70,771 |
| Finance and insurance | 87 | 16 | $52,616 |
| Professional, scientific and technical services | 55 | 20 | $58,700 |
| Real estate and rental and leasing | 15 | 5 | $42,200 |
Manufacturing is the largest private sector at 550 jobs, 19.6 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Todd County
How many businesses are in Todd County?
- Establishments, all industries208
- Employment at those establishments1,794
- Annual payroll$84.5 m
- Establishments per 1,000 residents16.7
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.
Todd County
Building permits in Todd County
- Housing units authorized by permit, 202427
- Declared construction value permitted$6.1 m
- Single family units authorized23
- Multifamily units authorized4
- Multifamily share of units14.8 percent
- Average declared value per unit$226,854
- Units authorized per 1,000 households5.9
Single-family homes are 85.2 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Todd County
SBA loans in Todd County (7(a) and 504)
- 7(a) approvals recorded2
- 7(a) gross approval dollars$1.9 m
- Average 7(a) approval$937,500
- Median 7(a) approval$937,500
- Largest single approval$1,850,000
- Jobs reported supported, 7(a)55
- Jobs per approval27.5
- Distinct 7(a) lenders active2
- Distinct industries receiving approvals2
- Median 7(a) term174 months
- Share of loans on real estate terms, 240 months or longer50.0 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter1
- Franchise loans0
- Franchise share of approvals0.0 percent
- 504 approvals recorded2
- 504 gross approval dollars$2.5 m
- Average 504 approval$1,247,500
- Median 504 approval$1,247,500
- Distinct CDCs active2
- 504 jobs per approval13.5
- 504 jobs per million dollars approved10.8
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$4.4 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.
Todd County
SBA loan default and charge-off rates in Todd County
Do SBA loans in Todd County get paid back?
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Committed, not yet disbursed1
Only 1 loan has 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.
Todd County
How large is Todd County?
- Land area374 sq mi
- Rank by land area among Kentucky counties40th of 120
- Width, east to west15.7 mi
- Height, north to south29.8 mi
- Geographies sharing a boundary5
- Residents per square mile of land33
- Establishments per square mile0.56
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.
Todd County
Flood risk in Todd County
- Participation of the county's own NFIP community Todd County, unincorporated areasParticipating, community 210347
- 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 Todd 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 Todd County (community 210347), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Todd 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. 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 Todd 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 Todd County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202412,469
- Households4,559
- Average household size2.74
- Median household income$61,103
- Median age36.1
Common questions
Todd County questions, answered from the record.
How many people live in Todd County, Kentucky?
The Census Bureau estimates 12,757 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 12,469, in 4,559 households, ranking 88th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Todd County's population growing?
The population has grown 4.21 percent since the 2020 census base of 12,242, to 12,757 on July 1, 2024. In 2024 there were 164 births against 167 deaths, with net migration of 185. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Todd County?
$61,103. The median owner-occupied home is valued at $166,700, which is 2.7 times income, and median gross rent is $851 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Todd County?
208 establishments, employing 1,794 people with an annual payroll of $84.5 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 Todd County?
Manufacturing is the largest private sector at 550 jobs, 19.6 percent of covered employment. Covered employment averages 2,812 jobs at an average annual pay of $47,765, or $919 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Todd County?
2 7(a) approvals totaling $1.9 m since FY2020, across 2 lenders, with a median approval of $937,500, plus 2 504 approvals worth $2.5 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Todd County?
27 housing units were authorized by permit in 2024, with a declared construction value of $6.1 m. Multifamily was 14.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Todd 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 Todd County come from?
The largest single origin is Montgomery County, with 54 households. Arriving households report an average income of $46,890 against $38,592 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Todd 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 Todd 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.
Todd County
Cities and places in Todd.
5 Census places lie wholly or partly in Todd 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 |
|---|---|---|---|---|
| Elkton | city | 1,924 | 2 | Wholly in this county |
| Guthrie | city | 1,559 | None recorded | Wholly in this county |
| Trenton | city | 376 | None recorded | Wholly in this county |
| Fairview | CDP | 226 | None recorded | 43.7 percent here, 56.3 percent Christian County |
| Allensville | CDP | 158 | None recorded | Wholly in this county |