Adair County, Kentucky: commercial real estate data.
Adair County, Kentucky has a population of 19,089 across 405 square miles, up 1.8 percent since the 2020 census base. County output reached $570.2 m in 2024, 331 establishments operate here, and the SBA record carries 5 7(a) approvals worth $808,500.
117 sourced county values · tier FULL · 11 sections
Adair County
How many people live in Adair County
- Population19,089
- Households7,136
- Average household size2.68
- Median household income$53,553
- Median age39.7
- Median gross rent$771 per month
- Median owner-occupied home value$150,800
- Home value to household income2.8 times
- Annual rent as a share of median income17.3 percent
- Adults 25 and over with a bachelor degree or higher21.8 percent
- Adults 25 and over with a graduate degree10.8 percent
- Adults 25 and over12,822
- Population under 183,761
- Share under 1819.7 percent
- Population 65 and over3,755
- Share 65 and over19.7 percent
- Working age population, 18 to 6411,573
- Civilian labor force8,641
- Unemployment rate6.8 percent
- Labor force participation, adults 18 and over56.4 percent
- Rank by population among Kentucky counties64th of 120
- Rank by population among US county-equivalents1933rd
Adair County is the 64th largest of 120 Kentucky counties by population. A median home costs 2.8 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 19.7 percent against 19.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Adair County
Is Adair County growing
- Population change since the 2020 census base1.79 percent
- Census 2020 base population18,901
- Births, 2024203
- Deaths, 2024282
- Natural change, 2024-79
- Net domestic migration, 2024-65
- Net international migration, 202479
- Total net migration, 202414
- Cumulative net domestic migration, 2021 to 2024474
- Rank by growth among US county-equivalents1242nd
The county has grown 1.79 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.
Adair County
Where people moving to Adair County come from
- Tax returns filed by households arriving433
- People arriving, from those returns846
- Adjusted gross income arriving$18.6 m
- Net adjusted gross income movement$0
- Average income of an arriving household$42,868
- Largest single originAdair County Non-migrants (5,998 households)
- Largest single destination (5,998 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Adair County Non-migrants | 5,998 | 12,842 | $360.5 m |
| Other flows - Different State | 168 | 349 | $10.1 m |
| Other flows - Same State | 160 | 299 | $5.0 m |
| Other flows - South | 85 | 186 | $4.6 m |
| Russell County | 66 | 120 | $1.9 m |
| Other flows - Midwest | 52 | 90 | $2.4 m |
| Taylor County | 39 | 78 | $1.6 m |
| Other flows - West | 31 | 73 | $3.1 m |
The largest single source of arrivals is Adair 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.
Adair County
What the Adair County economy runs on
- County GDP, 2024$570.2 m
- County GDP, 2023$541.7 m
- GDP change, 2023 to 20245.3 percent
- GDP change over five years40.4 percent
- Rank by GDP among Kentucky counties65th
- Rank by GDP among US county-equivalents2317th
- GDP per resident$29,870
Output grew 5.3 percent in the latest year and 40.4 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.
Adair County
Who employs people in Adair County
- Covered employment, annual average4,954
- Establishments reporting508
- Average annual pay$41,613
- Average weekly wage$800
- Sector 44-45, employment762
- Sector 44-45, average annual pay$35,561
- Sector 31-33, employment340
- Sector 31-33, average annual pay$52,847
- Sector 23, employment188
- Sector 23, average annual pay$48,162
- Sector 52, employment185
- Sector 52, average annual pay$50,939
- Sector 48-49, employment155
- Sector 56, employment120
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 762 | 72 | $35,561 |
| Sector 31-33 | 340 | 25 | $52,847 |
| Sector 23 | 188 | 42 | $48,162 |
| Sector 52 | 185 | 35 | $50,939 |
| Sector 48-49 | 155 | 20 | $65,889 |
| Sector 56 | 120 | 20 | $40,586 |
| Sector 81 | 83 | 26 | $37,057 |
| Sector 53 | 68 | 10 | $60,478 |
The largest sector is the biggest private employer group at 762 jobs, 15.4 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.
Adair County
What businesses operate in Adair County
- Establishments, all industries331
- Employment at those establishments4,066
- Annual payroll$156.2 m
- Establishments per 1,000 residents17.3
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.
Adair County
What is being built in Adair County
- Housing units authorised by permit, 20243
- Declared construction value permitted$335,000
- Single family units authorised3
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$111,667
- Units authorised per 1,000 households0.4
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Adair County
How much SBA lending happens in Adair County
- 7(a) approvals recorded5
- 7(a) gross approval dollars$808,500
- Average 7(a) approval$161,700
- Median 7(a) approval$185,000
- 10th percentile approval$50,000
- 90th percentile approval$285,000
- Largest single approval$285,000
- Jobs reported supported, 7(a)19
- Jobs per approval3.8
- Distinct 7(a) lenders active5
- Distinct industries receiving approvals5
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer0.0 percent
- Loans on real estate terms0
- Loans on working capital terms, 120 months or shorter5
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countTire Dealers (1)
- Most active lenderFirst Financial Bank, National Association (1)
- 504 approvals recorded1
- 504 gross approval dollars$2.1 m
- Average 504 approval$2,149,000
- Median 504 approval$2,149,000
- Distinct CDCs active1
- 504 jobs per approval0.0
- 504 jobs per million dollars approved0.0
- Most active CDCCommunity Ventures Corporation (1)
- 7(a) share of SBA approvals83.3 percent
- Combined SBA approval dollars$3.0 m
The average approval of $161,700 sits close to the median of $185,000, so lending here is fairly evenly sized rather than driven by a few large deals. Only 0.0 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.
Adair County
Do SBA loans in Adair County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Exempt from disclosure2
- Status: Cancelled1
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 1 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.
Adair County
Which parts of Adair County get the lending
- Places in the county with recorded lending2
- Columbia, approvals4
- Edmonton, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Columbia | 4 | $523,500 |
| Edmonton | 1 | $285,000 |
Columbia accounts for 4 approvals against 1 in Edmonton. 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.
Adair County
How big is Adair County
- Land area405 sq mi
- Rank by land area among Kentucky counties32nd of 120
- Width, east to west26.7 mi
- Height, north to south26.6 mi
- Geographies sharing a boundary6
- Residents per square mile of land47
- Establishments per square mile0.82
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 Adair 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 Adair County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population19,089
- Households7,136
- Average household size2.68
- Median household income$53,553
- Median age39.7
Common questions
Adair County questions, answered from the record.
How many people live in Adair County, Kentucky?
19,089, in 7,136 households, ranking 64th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Adair County growing?
The population has grown 1.79 percent since the 2020 census base. In 2024 there were 203 births against 282 deaths, with net migration of 14. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Adair County?
$53,553. The median owner-occupied home is valued at $150,800, which is 2.8 times income, and median gross rent is $771 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Adair County?
331 establishments, employing 4,066 people with an annual payroll of $156.2 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 Adair County?
Average annual pay is $41,613, or $800 a week, across 4,954 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Adair County?
5 7(a) approvals totalling $808,500 since FY2020, across 5 lenders, with a median approval of $185,000, plus 1 504 approvals worth $2.1 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Adair County?
3 housing units were authorised by permit in 2024, with a declared construction value of $335,000. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Adair 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 Adair County come from?
The largest single origin is Adair County Non-migrants, with 5,998 households. Arriving households report an average income of $42,868 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 Adair 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 Adair 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.