Floyd County, Indiana: commercial real estate data.
Floyd County, Indiana has a population of 80,918 across 148 square miles, up 1.8 percent since the 2020 census base. County output reached $4.26 bn in 2024, 1,926 establishments operate here, and the SBA record carries 78 7(a) approvals worth $43.4 m.
121 sourced county values · tier FULL · 11 sections
Floyd County
How many people live in Floyd County
- Population80,918
- Households31,916
- Average household size2.54
- Median household income$79,704
- Median age40.9
- Median gross rent$1,036 per month
- Median owner-occupied home value$251,000
- Home value to household income3.1 times
- Annual rent as a share of median income15.6 percent
- Adults 25 and over with a bachelor degree or higher32.9 percent
- Adults 25 and over with a graduate degree12.2 percent
- Adults 25 and over56,178
- Population under 1818,131
- Share under 1822.4 percent
- Population 65 and over14,283
- Share 65 and over17.7 percent
- Working age population, 18 to 6448,504
- Civilian labor force41,468
- Unemployment rate4.1 percent
- Labor force participation, adults 18 and over66.0 percent
- Rank by population among Indiana counties21st of 92
- Rank by population among US county-equivalents720th
Floyd County is the 21st largest of 92 Indiana counties by population. A median home costs 3.1 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 22.4 percent against 17.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Floyd County
Is Floyd County growing
- Population change since the 2020 census base1.81 percent
- Census 2020 base population80,473
- Births, 2024745
- Deaths, 2024923
- Natural change, 2024-178
- Net domestic migration, 20241,121
- Net international migration, 2024116
- Total net migration, 20241,237
- Cumulative net domestic migration, 2021 to 20241,717
- Rank by growth among US county-equivalents1236th
The county has grown 1.81 percent since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone 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.
Floyd County
Where people moving to Floyd County come from
- Tax returns filed by households arriving2,771
- People arriving, from those returns4,913
- Adjusted gross income arriving$163.0 m
- Net adjusted gross income movement$0
- Average income of an arriving household$58,813
- Largest single originFloyd County Non-migrants (30,327 households)
- Largest single destination (30,327 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Floyd County Non-migrants | 30,327 | 61,244 | $2.92 bn |
| Clark County | 1,009 | 1,785 | $53.1 m |
| Other flows - Different State | 579 | 1,082 | $38.7 m |
| Jefferson County | 575 | 967 | $40.0 m |
| Other flows - South | 322 | 580 | $21.0 m |
| Harrison County | 210 | 398 | $12.0 m |
| Other flows - Same State | 184 | 303 | $9.9 m |
| Other flows - Midwest | 124 | 224 | $7.2 m |
The largest single source of arrivals is Floyd County Non-migrants, 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.
Floyd County
What the Floyd County economy runs on
- County GDP, 2024$4.26 bn
- County GDP, 2023$3.99 bn
- GDP change, 2023 to 20246.8 percent
- GDP change over five years43.0 percent
- Rank by GDP among Indiana counties25th
- Rank by GDP among US county-equivalents778th
- GDP per resident$52,607
Output grew 6.8 percent in the latest year and 43.0 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.
Floyd County
Who employs people in Floyd County
- Covered employment, annual average32,405
- Establishments reporting2,062
- Average annual pay$55,503
- Average weekly wage$1,067
- Sector 62, employment7,644
- Sector 62, average annual pay$60,260
- Sector 31-33, employment5,735
- Sector 31-33, average annual pay$69,422
- Sector 72, employment3,035
- Sector 72, average annual pay$22,684
- Sector 44-45, employment2,969
- Sector 44-45, average annual pay$33,205
- Sector 23, employment2,109
- Sector 56, employment1,811
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 7,644 | 270 | $60,260 |
| Sector 31-33 | 5,735 | 128 | $69,422 |
| Sector 72 | 3,035 | 172 | $22,684 |
| Sector 44-45 | 2,969 | 186 | $33,205 |
| Sector 23 | 2,109 | 195 | $70,959 |
| Sector 56 | 1,811 | 113 | $42,782 |
| Sector 54 | 1,448 | 300 | $84,215 |
| Sector 81 | 944 | 154 | $39,971 |
The largest sector is the biggest private employer group at 7,644 jobs, 23.6 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Floyd County
What businesses operate in Floyd County
- Establishments, all industries1,926
- Employment at those establishments30,712
- Annual payroll$1.55 bn
- Establishments per 1,000 residents23.8
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Floyd County
What is being built in Floyd County
- Housing units authorised by permit, 2024297
- Declared construction value permitted$78.7 m
- Single family units authorised211
- Multifamily units authorised86
- Multifamily share of units29.0 percent
- Average declared value per unit$264,865
- Units authorised per 1,000 households9.3
Multifamily is 29.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Floyd County
How much SBA lending happens in Floyd County
- 7(a) approvals recorded78
- 7(a) gross approval dollars$43.4 m
- Average 7(a) approval$556,000
- Median 7(a) approval$188,900
- 10th percentile approval$25,000
- 90th percentile approval$2,006,500
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)1,157
- Jobs per approval14.8
- Distinct 7(a) lenders active24
- Distinct industries receiving approvals51
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer12.8 percent
- Loans on real estate terms10
- Loans on working capital terms, 120 months or shorter66
- Franchise loans11
- Franchise share of approvals14.1 percent
- Leading industry by approval countAll Other Personal Services (4)
- Most active lenderStock Yards Bank & Trust Company (11)
- 504 approvals recorded23
- 504 gross approval dollars$15.8 m
- Average 504 approval$688,870
- Median 504 approval$389,000
- Distinct CDCs active4
- 504 jobs per approval14.8
- 504 jobs per million dollars approved21.5
- Most active CDCPremier Capital Corporation (12)
- 7(a) share of SBA approvals77.2 percent
- Combined SBA approval dollars$59.2 m
The average approval of $556,000 sits well above the median of $188,900, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 12.8 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.
Floyd County
Do SBA loans in Floyd County get paid back
- Loans with a final outcome recorded11
- Paid in full11
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Exempt from disclosure56
- Status: Paid in full11
- Status: Cancelled8
- Status: Committed, not yet disbursed3
Of the 11 loans that have reached a final outcome, 0.0 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Floyd County
Which parts of Floyd County get the lending
- Places in the county with recorded lending5
- NEW ALBANY, approvals53
- GEORGETOWN, approvals12
- Floyds Knobs, approvals11
- Floyds Knob, approvals1
- GREENVILLE, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| NEW ALBANY | 53 | $33,606,700 |
| GEORGETOWN | 12 | $6,854,500 |
| Floyds Knobs | 11 | $2,055,300 |
| Floyds Knob | 1 | $41,900 |
| GREENVILLE | 1 | $809,600 |
NEW ALBANY accounts for 53 approvals against 12 in GEORGETOWN. 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.
Floyd County
How big is Floyd County
- Land area148 sq mi
- Rank by land area among Indiana counties91st of 92
- Width, east to west14.8 mi
- Height, north to south16.5 mi
- Geographies sharing a boundary3
- Residents per square mile of land547
- Establishments per square mile13.01
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.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Floyd 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 Floyd County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population80,918
- Households31,916
- Average household size2.54
- Median household income$79,704
- Median age40.9
Common questions
Floyd County questions, answered from the record.
How many people live in Floyd County, Indiana?
80,918, in 31,916 households, ranking 21st of 92 Indiana counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Floyd County growing?
The population has grown 1.81 percent since the 2020 census base. In 2024 there were 745 births against 923 deaths, with net migration of 1,237. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Floyd County?
$79,704. The median owner-occupied home is valued at $251,000, which is 3.1 times income, and median gross rent is $1,036 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Floyd County?
1,926 establishments, employing 30,712 people with an annual payroll of $1.55 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Floyd County?
Average annual pay is $55,503, or $1,067 a week, across 32,405 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Floyd County?
78 7(a) approvals totalling $43.4 m since FY2020, across 24 lenders, with a median approval of $188,900, plus 23 504 approvals worth $15.8 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Floyd County get paid back?
Of the 11 loans that have reached a final outcome, 11 were paid in full and 0 charged off, a charge off rate of 0.0 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Floyd County?
297 housing units were authorised by permit in 2024, with a declared construction value of $78.7 m. Multifamily was 29.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Floyd 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 Floyd County come from?
The largest single origin is Floyd County Non-migrants, with 30,327 households. Arriving households report an average income of $58,813 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Floyd 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 Floyd County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.