Anderson County, Kentucky: commercial real estate data.
Anderson County, Kentucky has a population of 24,353 across 202 square miles, up 4.3 percent since the 2020 census base. County output reached $814.7 m in 2024, 352 establishments operate here, and the SBA record carries 23 7(a) approvals worth $9.5 m.
116 sourced county values · tier FULL · 11 sections
Anderson County
How many people live in Anderson County
- Population24,353
- Households9,653
- Average household size2.52
- Median household income$74,488
- Median age41.7
- Median gross rent$927 per month
- Median owner-occupied home value$225,100
- Home value to household income3.0 times
- Annual rent as a share of median income14.9 percent
- Adults 25 and over with a bachelor degree or higher26.2 percent
- Adults 25 and over with a graduate degree8.8 percent
- Adults 25 and over16,960
- Population under 185,634
- Share under 1823.1 percent
- Population 65 and over4,132
- Share 65 and over17.0 percent
- Working age population, 18 to 6414,587
- Civilian labor force11,720
- Unemployment rate2.2 percent
- Labor force participation, adults 18 and over62.6 percent
- Rank by population among Kentucky counties48th of 120
- Rank by population among US county-equivalents1687th
Anderson County is the 48th largest of 120 Kentucky counties by population. A median home costs 3.0 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 23.1 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.
Anderson County
Is Anderson County growing
- Population change since the 2020 census base4.25 percent
- Census 2020 base population23,869
- Births, 2024273
- Deaths, 2024258
- Natural change, 202415
- Net domestic migration, 2024224
- Net international migration, 202424
- Total net migration, 2024248
- Cumulative net domestic migration, 2021 to 2024975
- Rank by growth among US county-equivalents646th
The county has grown 4.25 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Anderson County
Where people moving to Anderson County come from
- Tax returns filed by households arriving750
- People arriving, from those returns1,417
- Adjusted gross income arriving$39.0 m
- Net adjusted gross income movement$0
- Average income of an arriving household$51,960
- Largest single originAnderson County Non-migrants (8,794 households)
- Largest single destination (8,794 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Anderson County Non-migrants | 8,794 | 18,480 | $589.1 m |
| Franklin County | 165 | 315 | $7.8 m |
| Other flows - Same State | 145 | 267 | $7.1 m |
| Other flows - Different State | 135 | 284 | $8.7 m |
| Fayette County | 101 | 171 | $4.9 m |
| Other flows - South | 51 | 95 | $3.8 m |
| Woodford County | 47 | 86 | $2.7 m |
| Other flows - Midwest | 45 | 96 | $2.3 m |
The largest single source of arrivals is Anderson 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.
Anderson County
What the Anderson County economy runs on
- County GDP, 2024$814.7 m
- County GDP, 2023$766.6 m
- GDP change, 2023 to 20246.3 percent
- GDP change over five years38.9 percent
- Rank by GDP among Kentucky counties56th
- Rank by GDP among US county-equivalents2014th
- GDP per resident$33,453
Output grew 6.3 percent in the latest year and 38.9 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.
Anderson County
Who employs people in Anderson County
- Covered employment, annual average5,066
- Establishments reporting565
- Average annual pay$48,999
- Average weekly wage$942
- Sector 31-33, employment1,062
- Sector 31-33, average annual pay$74,170
- Sector 44-45, employment743
- Sector 44-45, average annual pay$34,903
- Sector 72, employment623
- Sector 72, average annual pay$23,655
- Sector 62, employment386
- Sector 62, average annual pay$35,618
- Sector 42, employment328
- Sector 52, employment127
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 1,062 | 42 | $74,170 |
| Sector 44-45 | 743 | 66 | $34,903 |
| Sector 72 | 623 | 40 | $23,655 |
| Sector 62 | 386 | 76 | $35,618 |
| Sector 42 | 328 | 22 | $53,637 |
| Sector 52 | 127 | 22 | $50,278 |
| Sector 54 | 125 | 71 | $69,039 |
| Sector 81 | 94 | 38 | $45,108 |
The largest sector is the biggest private employer group at 1,062 jobs, 21.0 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.
Anderson County
What businesses operate in Anderson County
- Establishments, all industries352
- Employment at those establishments4,175
- Annual payroll$189.3 m
- Establishments per 1,000 residents14.5
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.
Anderson County
What is being built in Anderson County
- Housing units authorised by permit, 202475
- Declared construction value permitted$23.5 m
- Single family units authorised69
- Multifamily units authorised6
- Multifamily share of units8.0 percent
- Average declared value per unit$313,000
- Units authorised per 1,000 households7.8
Multifamily is 8.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Anderson County
How much SBA lending happens in Anderson County
- 7(a) approvals recorded23
- 7(a) gross approval dollars$9.5 m
- Average 7(a) approval$415,065
- Median 7(a) approval$100,000
- 10th percentile approval$25,000
- 90th percentile approval$800,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)84
- Jobs per approval3.7
- Distinct 7(a) lenders active12
- Distinct industries receiving approvals18
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer21.7 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter17
- Franchise loans1
- Franchise share of approvals4.3 percent
- Leading industry by approval countOther Clothing Stores (3)
- Most active lenderCommunity Trust Bank, Inc. (6)
- 504 approvals recorded1
- 504 gross approval dollars$196,000
- Average 504 approval$196,000
- Median 504 approval$196,000
- Distinct CDCs active1
- 504 jobs per approval3.0
- 504 jobs per million dollars approved15.3
- Most active CDCCommunity Ventures Corporation (1)
- 7(a) share of SBA approvals95.8 percent
- Combined SBA approval dollars$9.7 m
The average approval of $415,065 sits well above the median of $100,000, 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 21.7 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.
Anderson County
Do SBA loans in Anderson County get paid back
- Loans with a final outcome recorded8
- Paid in full8
- Charged off0
- Status: Paid in full8
- Status: Exempt from disclosure11
- Status: Cancelled4
Too few loans have reached a final outcome to publish a charge off rate. only 8 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.
Anderson County
Which parts of Anderson County get the lending
- Places in the county with recorded lending2
- LAWRENCEBURG, approvals22
- Salvisa, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| LAWRENCEBURG | 22 | $9,396,500 |
| Salvisa | 1 | $150,000 |
LAWRENCEBURG accounts for 22 approvals against 1 in Salvisa. 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.
Anderson County
How big is Anderson County
- Land area202 sq mi
- Rank by land area among Kentucky counties101st of 120
- Width, east to west20.3 mi
- Height, north to south16.4 mi
- Geographies sharing a boundary7
- Residents per square mile of land121
- Establishments per square mile1.74
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 Anderson 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 Anderson County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population24,353
- Households9,653
- Average household size2.52
- Median household income$74,488
- Median age41.7
Common questions
Anderson County questions, answered from the record.
How many people live in Anderson County, Kentucky?
24,353, in 9,653 households, ranking 48th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Anderson County growing?
The population has grown 4.25 percent since the 2020 census base. In 2024 there were 273 births against 258 deaths, with net migration of 248. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Anderson County?
$74,488. The median owner-occupied home is valued at $225,100, which is 3.0 times income, and median gross rent is $927 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Anderson County?
352 establishments, employing 4,175 people with an annual payroll of $189.3 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 Anderson County?
Average annual pay is $48,999, or $942 a week, across 5,066 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Anderson County?
23 7(a) approvals totalling $9.5 m since FY2020, across 12 lenders, with a median approval of $100,000, plus 1 504 approvals worth $196,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Anderson County?
75 housing units were authorised by permit in 2024, with a declared construction value of $23.5 m. Multifamily was 8.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Anderson 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 Anderson County come from?
The largest single origin is Anderson County Non-migrants, with 8,794 households. Arriving households report an average income of $51,960 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 Anderson 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 Anderson 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.