Harrison County, Indiana: commercial real estate data.
Harrison County, Indiana has a population of 39,859 across 485 square miles, up 0.8 percent since the 2020 census base. County output reached $1.70 bn in 2024, 669 establishments operate here, and the SBA record carries 14 7(a) approvals worth $3.8 m.
119 sourced county values · tier FULL · 11 sections
Harrison County
How many people live in Harrison County
- Population39,859
- Households15,497
- Average household size2.57
- Median household income$74,475
- Median age43.0
- Median gross rent$836 per month
- Median owner-occupied home value$229,600
- Home value to household income3.1 times
- Annual rent as a share of median income13.5 percent
- Adults 25 and over with a bachelor degree or higher21.8 percent
- Adults 25 and over with a graduate degree7.1 percent
- Adults 25 and over28,217
- Population under 188,853
- Share under 1822.2 percent
- Population 65 and over7,661
- Share 65 and over19.2 percent
- Working age population, 18 to 6423,345
- Civilian labor force19,454
- Unemployment rate3.5 percent
- Labor force participation, adults 18 and over62.7 percent
- Rank by population among Indiana counties38th of 92
- Rank by population among US county-equivalents1209th
Harrison County is the 38th 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 22.2 percent against 19.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Harrison County
Is Harrison County growing
- Population change since the 2020 census base0.82 percent
- Census 2020 base population39,651
- Births, 2024375
- Deaths, 2024574
- Natural change, 2024-199
- Net domestic migration, 2024134
- Net international migration, 202429
- Total net migration, 2024163
- Cumulative net domestic migration, 2021 to 2024798
- Rank by growth among US county-equivalents1545th
The county has grown 0.82 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.
Harrison County
Where people moving to Harrison County come from
- Tax returns filed by households arriving989
- People arriving, from those returns1,927
- Adjusted gross income arriving$75.9 m
- Net adjusted gross income movement$0
- Average income of an arriving household$76,726
- Largest single originHarrison County Non-migrants (15,364 households)
- Largest single destination (15,364 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Harrison County Non-migrants | 15,364 | 31,977 | $1.08 bn |
| Other flows - Different State | 241 | 478 | $33.9 m |
| Floyd County | 224 | 459 | $16.4 m |
| Clark County | 173 | 325 | $8.8 m |
| Other flows - South | 156 | 302 | $10.3 m |
| Jefferson County | 111 | 199 | $6.2 m |
| Other flows - Same State | 106 | 195 | $4.9 m |
| Crawford County | 69 | 133 | $2.8 m |
The largest single source of arrivals is Harrison 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.
Harrison County
What the Harrison County economy runs on
- County GDP, 2024$1.70 bn
- County GDP, 2023$1.62 bn
- GDP change, 2023 to 20245.1 percent
- GDP change over five years40.1 percent
- Rank by GDP among Indiana counties53rd
- Rank by GDP among US county-equivalents1415th
- GDP per resident$42,766
Output grew 5.1 percent in the latest year and 40.1 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.
Harrison County
Who employs people in Harrison County
- Covered employment, annual average10,252
- Establishments reporting750
- Average annual pay$49,804
- Average weekly wage$958
- Sector 72, employment1,856
- Sector 72, average annual pay$34,663
- Sector 31-33, employment1,289
- Sector 31-33, average annual pay$69,794
- Sector 44-45, employment1,275
- Sector 44-45, average annual pay$35,372
- Sector 23, employment656
- Sector 23, average annual pay$50,242
- Sector 42, employment446
- Sector 52, employment244
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 72 | 1,856 | 51 | $34,663 |
| Sector 31-33 | 1,289 | 40 | $69,794 |
| Sector 44-45 | 1,275 | 90 | $35,372 |
| Sector 23 | 656 | 101 | $50,242 |
| Sector 42 | 446 | 54 | $74,799 |
| Sector 52 | 244 | 42 | $68,867 |
| Sector 71 | 239 | 13 | $35,655 |
| Sector 81 | 227 | 49 | $38,779 |
The largest sector is the biggest private employer group at 1,856 jobs, 18.1 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.
Harrison County
What businesses operate in Harrison County
- Establishments, all industries669
- Employment at those establishments8,843
- Annual payroll$383.7 m
- Establishments per 1,000 residents16.8
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.
Harrison County
What is being built in Harrison County
- Housing units authorised by permit, 2024158
- Declared construction value permitted$40.5 m
- Single family units authorised158
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$256,305
- Units authorised per 1,000 households10.2
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Harrison County
How much SBA lending happens in Harrison County
- 7(a) approvals recorded14
- 7(a) gross approval dollars$3.8 m
- Average 7(a) approval$271,964
- Median 7(a) approval$95,000
- 10th percentile approval$35,000
- 90th percentile approval$675,700
- Largest single approval$1,724,300
- Jobs reported supported, 7(a)67
- Jobs per approval4.8
- Distinct 7(a) lenders active7
- Distinct industries receiving approvals10
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer7.1 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter13
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countAll Other Personal Services (2)
- Most active lenderFirst Harrison Bank (6)
- 504 approvals recorded12
- 504 gross approval dollars$4.8 m
- Average 504 approval$403,000
- Median 504 approval$251,000
- Distinct CDCs active2
- 504 jobs per approval5.8
- 504 jobs per million dollars approved14.5
- Most active CDCPremier Capital Corporation (6)
- 7(a) share of SBA approvals53.8 percent
- Combined SBA approval dollars$8.6 m
The average approval of $271,964 sits well above the median of $95,000, 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 7.1 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.
Harrison County
Do SBA loans in Harrison County get paid back
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Exempt from disclosure9
- Status: Paid in full3
- Status: Cancelled2
Too few loans have reached a final outcome to publish a charge off rate. only 3 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Harrison County
Which parts of Harrison County get the lending
- Places in the county with recorded lending5
- Corydon, approvals4
- Elizabeth, approvals4
- Palmyra, approvals3
- GEORGETOWN, approvals2
- NEW SALISBURY, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Corydon | 4 | $2,685,000 |
| Elizabeth | 4 | $225,800 |
| Palmyra | 3 | $611,700 |
| GEORGETOWN | 2 | $240,000 |
| NEW SALISBURY | 1 | $45,000 |
Corydon accounts for 4 approvals against 4 in Elizabeth. 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.
Harrison County
How big is Harrison County
- Land area485 sq mi
- Rank by land area among Indiana counties14th of 92
- Width, east to west22.6 mi
- Height, north to south29.7 mi
- Geographies sharing a boundary3
- Residents per square mile of land82
- Establishments per square mile1.38
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 Harrison 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 Harrison County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population39,859
- Households15,497
- Average household size2.57
- Median household income$74,475
- Median age43.0
Common questions
Harrison County questions, answered from the record.
How many people live in Harrison County, Indiana?
39,859, in 15,497 households, ranking 38th of 92 Indiana counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Harrison County growing?
The population has grown 0.82 percent since the 2020 census base. In 2024 there were 375 births against 574 deaths, with net migration of 163. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Harrison County?
$74,475. The median owner-occupied home is valued at $229,600, which is 3.1 times income, and median gross rent is $836 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Harrison County?
669 establishments, employing 8,843 people with an annual payroll of $383.7 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Harrison County?
Average annual pay is $49,804, or $958 a week, across 10,252 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Harrison County?
14 7(a) approvals totalling $3.8 m since FY2020, across 7 lenders, with a median approval of $95,000, plus 12 504 approvals worth $4.8 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Harrison County?
158 housing units were authorised by permit in 2024, with a declared construction value of $40.5 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Harrison 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 Harrison County come from?
The largest single origin is Harrison County Non-migrants, with 15,364 households. Arriving households report an average income of $76,726 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 Harrison 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 Harrison 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.