HomeSouth CarolinaKershaw County
Kershaw County, South Carolina: commercial real estate data.
Kershaw County, South Carolina had an estimated 71,698 residents on July 1, 2024, up 9.6 percent since the 2020 census base of 65,413, across 727 square miles. County output reached $3.42 bn in 2024, 1,208 establishments operate here, and the SBA record carries 38 7(a) approvals worth $25.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Kershaw County
How many people live in Kershaw County
- Population, American Community Survey 2020-202468,314
- Households26,897
- Average household size2.54
- Median household income$68,231
- Median age40.4
- Median gross rent$971 per month
- Median owner-occupied home value$217,100
- Home value to household income3.2 times
- Annual rent as a share of median income17.1 percent
- Adults 25 and over with a bachelor degree or higher24.0 percent
- Adults 25 and over with a graduate degree8.9 percent
- Adults 25 and over47,496
- Population under 1815,860
- Share under 1823.2 percent
- Population 65 and over12,924
- Share 65 and over18.9 percent
- Working age population, 18 to 6439,530
- Civilian labor force31,928
- Unemployment rate4.7 percent
- Labor force participation, adults 18 and over60.9 percent
- Rank by population among South Carolina counties21st of 46
- Rank by population among US county-equivalents, Puerto Rico included802nd of 3,222
Kershaw County is the 21st largest of 46 South Carolina 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 23.2 percent against 18.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Kershaw County
Is Kershaw County's population growing?
- Population, July 1, 202471,698
- Census 2020 base population65,413
- Population change since the 2020 census base9.61 percent
- Population change, 2023 to 20241,553
- Births, 2024788
- Deaths, 2024814
- Natural change, 2024-26
- Net domestic migration, 20241,500
- Net international migration, 202489
- Total net migration, 20241,589
- Cumulative net domestic migration, 2021 to 20246,288
- Rank by growth among US county-equivalents160th of 3,144
The county has grown 9.61 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.
Kershaw County
Where are people moving to Kershaw County from?
- Tax returns filed by households arriving2,407
- People arriving, from those returns5,016
- Tax returns filed by households leaving1,639
- Net household movement768
- Adjusted gross income arriving$147.6 m
- Net adjusted gross income movement$60.3 m
- Average income of an arriving household$61,319
- Average income of a leaving household$53,244
- Largest single originRichland County (749 households)
- Largest single destinationRichland County (438 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Richland County | 749 | 1,520 | $41.7 m |
| Lexington County | 139 | 252 | $7.1 m |
| Lancaster County | 87 | 180 | $5.0 m |
| Sumter County | 82 | 186 | $4.0 m |
| Lee County | 54 | 118 | $2.0 m |
| Fairfield County | 51 | 102 | $2.8 m |
| York County | 42 | 94 | $3.6 m |
| Mecklenburg County | 36 | 64 | $3.0 m |
Households arriving report $8,075 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 Richland 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.
Kershaw County
What is the Kershaw County economy?
- County GDP, 2024$3.42 bn
- County GDP, 2023$3.06 bn
- GDP change, 2023 to 202411.6 percent
- GDP change over five years73.5 percent
- Rank by GDP among the South Carolina areas BEA publishes21st of 46
- Rank by GDP among the US county areas BEA publishes902nd of 3,127
- GDP per resident$50,019
Output grew 11.6 percent in the latest year and 73.5 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.
Kershaw County
Employment by industry in Kershaw County
- Covered employment, annual average18,335
- Establishments reporting1,568
- Average annual pay$49,084
- Average weekly wage$944
- Retail trade, employment3,574
- Retail trade, average annual pay$36,002
- Manufacturing, employment2,266
- Manufacturing, average annual pay$64,667
- Health care and social assistance, employment1,974
- Health care and social assistance, average annual pay$63,200
- Accommodation and food services, employment1,785
- Accommodation and food services, average annual pay$20,905
- Construction, employment1,084
- Administrative and support and waste management services, employment855
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 3,574 | 219 | $36,002 |
| Manufacturing | 2,266 | 79 | $64,667 |
| Health care and social assistance | 1,974 | 176 | $63,200 |
| Accommodation and food services | 1,785 | 118 | $20,905 |
| Construction | 1,084 | 166 | $53,316 |
| Administrative and support and waste management services | 855 | 99 | $44,925 |
| Professional, scientific and technical services | 581 | 176 | $74,079 |
| Other services, except public administration | 501 | 115 | $32,765 |
Retail trade is the largest private sector at 3,574 jobs, 19.5 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Kershaw County
How many businesses are in Kershaw County?
- Establishments, all industries1,208
- Employment at those establishments14,923
- Annual payroll$661.9 m
- Establishments per 1,000 residents17.7
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.
Kershaw County
Building permits in Kershaw County
- Housing units authorized by permit, 2024474
- Declared construction value permitted$110.4 m
- Single family units authorized368
- Multifamily units authorized106
- Multifamily share of units22.4 percent
- Average declared value per unit$232,960
- Units authorized per 1,000 households17.6
Single-family homes are 77.6 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Kershaw County
SBA loans in Kershaw County (7(a) and 504)
- 7(a) approvals recorded38
- 7(a) gross approval dollars$25.1 m
- Average 7(a) approval$660,042
- Median 7(a) approval$210,000
- 10th percentile approval$25,000
- 90th percentile approval$2,499,800
- Largest single approval$4,750,000
- Jobs reported supported, 7(a)638
- Jobs per approval16.8
- Distinct 7(a) lenders active15
- Distinct industries receiving approvals25
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer10.5 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter33
- Franchise loans10
- Franchise share of approvals26.3 percent
- Leading industry by approval countLimited-Service Restaurants (5)
- Most active lenderTD Bank, National Association (6)
- 504 approvals recorded3
- 504 gross approval dollars$9.3 m
- Average 504 approval$3,109,667
- Median 504 approval$3,530,000
- Distinct CDCs active1
- 504 jobs per approval30.0
- 504 jobs per million dollars approved9.6
- Most active CDCProvident Business Financial Services, Inc. (3)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$34.4 m
The average approval of $660,042 sits well above the median of $210,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 10.5 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.
Kershaw County
SBA loan default and charge-off rates in Kershaw County
Do SBA loans in Kershaw County get paid back?
- Loans with a final outcome recorded4
- Paid in full3
- Charged off1
- Status: Paid in full3
- Status: Exempt from disclosure25
- Status: Cancelled7
- Status: Charged off1
- Status: Committed, not yet disbursed2
Only 4 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.
Kershaw County
SBA lending by place in Kershaw County
- Borrower cities with recorded lending6
- Lugoff, approvals15
- Elgin, approvals15
- Camden, approvals4
- Ridgeway, approvals2
- Liberty Hill, approvals1
- Fort Mill, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Lugoff | 15 | $17,842,200 |
| Elgin | 15 | $5,048,900 |
| Camden | 4 | $854,000 |
| Ridgeway | 2 | $196,500 |
| Liberty Hill | 1 | $740,000 |
| Fort Mill | 1 | $400,000 |
Lugoff accounts for 15 approvals against 15 in Elgin. 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.
Kershaw County
How large is Kershaw County?
- Land area727 sq mi
- Rank by land area among South Carolina counties14th of 46
- Width, east to west33.9 mi
- Height, north to south37.7 mi
- Geographies sharing a boundary7
- Residents per square mile of land94
- Establishments per square mile1.66
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.
Kershaw County
Flood risk in Kershaw County
- Participation of the county's own NFIP community Kershaw County, unincorporated areasParticipating, community 450115
- Community Rating System class of the county's own communityClass 9
- Communities in the county in the NFIP Community Status Book4
- Of those, participating in the NFIP4
- 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 Kershaw County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The county's own community in the status book, unincorporated Kershaw County (community 450115), participates in the National Flood Insurance Program and carries Community Rating System class 9, a flood insurance premium discount for policies written there. The EPA places Kershaw County in radon zone 3, a predicted average indoor radon screening level less than 2 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 Kershaw 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 Kershaw County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202468,314
- Households26,897
- Average household size2.54
- Median household income$68,231
- Median age40.4
Common questions
Kershaw County questions, answered from the record.
How many people live in Kershaw County, South Carolina?
The Census Bureau estimates 71,698 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 68,314, in 26,897 households, ranking 21st of 46 South Carolina counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Kershaw County's population growing?
The population has grown 9.61 percent since the 2020 census base of 65,413, to 71,698 on July 1, 2024. In 2024 there were 788 births against 814 deaths, with net migration of 1,589. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Kershaw County?
$68,231. The median owner-occupied home is valued at $217,100, which is 3.2 times income, and median gross rent is $971 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Kershaw County?
1,208 establishments, employing 14,923 people with an annual payroll of $661.9 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 Kershaw County?
Retail trade is the largest private sector at 3,574 jobs, 19.5 percent of covered employment. Covered employment averages 18,335 jobs at an average annual pay of $49,084, or $944 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Kershaw County?
38 7(a) approvals totaling $25.1 m since FY2020, across 15 lenders, with a median approval of $210,000, plus 3 504 approvals worth $9.3 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Kershaw County?
474 housing units were authorized by permit in 2024, with a declared construction value of $110.4 m. Multifamily was 22.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Kershaw County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Kershaw County come from?
The largest single origin is Richland County, with 749 households. Arriving households report an average income of $61,319 against $53,244 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Kershaw 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 Kershaw 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.
Kershaw County
Cities and places in Kershaw.
7 Census places lie wholly or partly in Kershaw County. All 7 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 |
|---|---|---|---|---|
| Lugoff | CDP | 9,786 | 15 | Wholly in this county |
| Camden | city | 8,267 | 4 | Wholly in this county |
| East Camden | CDP | 4,194 | None recorded | Wholly in this county |
| Elgin | town | 2,080 | 15 | Wholly in this county |
| Bethune | town | 438 | None recorded | Wholly in this county |
| Abney Crossroads | CDP | 208 | None recorded | Wholly in this county |
| Boykin | CDP | 122 | None recorded | Wholly in this county |
A further 4 of the county's 38 SBA 7(a) approvals are to borrowers in cities that match no Census place in Kershaw County, the largest being Ridgeway (2), Liberty Hill (1), Fort Mill (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.