Bath County, Kentucky: commercial real estate data.
Bath County, Kentucky has a population of 12,851 across 279 square miles, up 1.6 percent since the 2020 census base. County output reached $260.7 m in 2024, 149 establishments operate here, and the SBA record carries 4 7(a) approvals worth $2.8 m.
104 sourced county values · tier FULL · 11 sections
Bath County
How many people live in Bath County
- Population12,851
- Households4,698
- Average household size2.74
- Median household income$56,541
- Median age38.7
- Median gross rent$659 per month
- Median owner-occupied home value$129,800
- Home value to household income2.3 times
- Annual rent as a share of median income14.0 percent
- Adults 25 and over with a bachelor degree or higher12.3 percent
- Adults 25 and over with a graduate degree5.3 percent
- Adults 25 and over8,568
- Population under 183,271
- Share under 1825.5 percent
- Population 65 and over2,221
- Share 65 and over17.3 percent
- Working age population, 18 to 647,359
- Civilian labor force5,343
- Unemployment rate2.5 percent
- Labor force participation, adults 18 and over55.8 percent
- Rank by population among Kentucky counties85th of 120
- Rank by population among US county-equivalents2291st
Bath County is the 85th largest of 120 Kentucky counties by population. A median home costs 2.3 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 25.5 percent against 17.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Bath County
Is Bath County growing
- Population change since the 2020 census base1.60 percent
- Census 2020 base population12,747
- Births, 2024172
- Deaths, 2024177
- Natural change, 2024-5
- Net domestic migration, 2024-16
- Net international migration, 2024-1
- Total net migration, 2024-17
- Cumulative net domestic migration, 2021 to 2024345
- Rank by growth among US county-equivalents1299th
The county has grown 1.60 percent since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Bath County
Where people moving to Bath County come from
- Tax returns filed by households arriving298
- People arriving, from those returns615
- Adjusted gross income arriving$10.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$36,091
- Largest single originBath County Non-migrants (3,856 households)
- Largest single destination (3,856 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Bath County Non-migrants | 3,856 | 8,819 | $190.0 m |
| Other flows - Same State | 117 | 255 | $4.1 m |
| Montgomery County | 80 | 156 | $2.7 m |
| Rowan County | 52 | 99 | $1.6 m |
| Other flows - Different State | 26 | 61 | $1.5 m |
| Other flows - South | 26 | 61 | $1.5 m |
| Fayette County | 23 | 44 | $774,000 |
The largest single source of arrivals is Bath 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.
Bath County
What the Bath County economy runs on
- County GDP, 2024$260.7 m
- County GDP, 2023$254.7 m
- GDP change, 2023 to 20242.3 percent
- GDP change over five years24.3 percent
- Rank by GDP among Kentucky counties103rd
- Rank by GDP among US county-equivalents2783rd
- GDP per resident$20,288
Output grew 2.3 percent in the latest year and 24.3 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.
Bath County
Who employs people in Bath County
- Covered employment, annual average1,969
- Establishments reporting292
- Average annual pay$47,539
- Average weekly wage$914
- Sector 23, employment262
- Sector 23, average annual pay$57,579
- Sector 44-45, employment170
- Sector 44-45, average annual pay$25,747
- Sector 56, employment126
- Sector 56, average annual pay$105,663
- Sector 52, employment75
- Sector 52, average annual pay$45,687
- Sector 54, employment52
- Sector 81, employment40
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 23 | 262 | 34 | $57,579 |
| Sector 44-45 | 170 | 36 | $25,747 |
| Sector 56 | 126 | 13 | $105,663 |
| Sector 52 | 75 | 17 | $45,687 |
| Sector 54 | 52 | 24 | $86,322 |
| Sector 81 | 40 | 16 | $24,839 |
| Sector 51 | 17 | 6 | $80,697 |
| Sector 53 | 4 | 4 | $14,016 |
The largest sector is the biggest private employer group at 262 jobs, 13.3 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.
Bath County
What businesses operate in Bath County
- Establishments, all industries149
- Employment at those establishments1,501
- Annual payroll$69.2 m
- Establishments per 1,000 residents11.6
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.
Bath County
What is being built in Bath County
- Housing units authorised by permit, 20242
- Declared construction value permitted$200,000
- Single family units authorised2
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$100,000
- 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.
Bath County
How much SBA lending happens in Bath County
- 7(a) approvals recorded4
- 7(a) gross approval dollars$2.8 m
- Average 7(a) approval$691,800
- Median 7(a) approval$925,000
- 10th percentile approval$150,000
- 90th percentile approval$1,482,200
- Largest single approval$1,482,200
- Jobs reported supported, 7(a)18
- Jobs per approval4.5
- Distinct 7(a) lenders active2
- Distinct industries receiving approvals4
- Median 7(a) term217 months
- Share of loans on real estate terms, 240 months or longer25.0 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter2
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countGasoline Stations with Convenience Stores (1)
- Most active lenderCommunity Trust Bank, Inc. (3)
The average approval of $691,800 sits close to the median of $925,000, so lending here is fairly evenly sized rather than driven by a few large deals. Only 25.0 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.
Bath County
Do SBA loans in Bath County get paid back
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure4
Too few loans have reached a final outcome to publish a charge off rate. only 0 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.
Bath County
Which parts of Bath County get the lending
- Places in the county with recorded lending2
- OWINGSVILLE, approvals2
- SHARPSBURG, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| OWINGSVILLE | 2 | $1,135,000 |
| SHARPSBURG | 2 | $1,632,200 |
OWINGSVILLE accounts for 2 approvals against 2 in SHARPSBURG. 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.
Bath County
How big is Bath County
- Land area279 sq mi
- Rank by land area among Kentucky counties74th of 120
- Width, east to west26.1 mi
- Height, north to south21 mi
- Geographies sharing a boundary5
- Residents per square mile of land46
- Establishments per square mile0.53
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 504 approvals recorded in this county in the FOIA release covering FY2010 onward.
- 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 Bath 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 Bath County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population12,851
- Households4,698
- Average household size2.74
- Median household income$56,541
- Median age38.7
Common questions
Bath County questions, answered from the record.
How many people live in Bath County, Kentucky?
12,851, in 4,698 households, ranking 85th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Bath County growing?
The population has grown 1.60 percent since the 2020 census base. In 2024 there were 172 births against 177 deaths, with net migration of -17. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Bath County?
$56,541. The median owner-occupied home is valued at $129,800, which is 2.3 times income, and median gross rent is $659 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Bath County?
149 establishments, employing 1,501 people with an annual payroll of $69.2 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 Bath County?
Average annual pay is $47,539, or $914 a week, across 1,969 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Bath County?
4 7(a) approvals totalling $2.8 m since FY2020, across 2 lenders, with a median approval of $925,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Bath County?
2 housing units were authorised by permit in 2024, with a declared construction value of $200,000. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Bath 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 Bath County come from?
The largest single origin is Bath County Non-migrants, with 3,856 households. Arriving households report an average income of $36,091 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 Bath 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 Bath 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.