Bracken County, Kentucky: commercial real estate data.
Bracken County, Kentucky has a population of 8,444 across 206 square miles, up 1.1 percent since the 2020 census base. County output reached $219.5 m in 2024, 98 establishments operate here, and the SBA record carries 8 7(a) approvals worth $971,500.
102 sourced county values · tier FULL · 10 sections
Bracken County
How many people live in Bracken County
- Population8,444
- Households3,364
- Average household size2.51
- Median household income$66,319
- Median age42.0
- Median gross rent$756 per month
- Median owner-occupied home value$125,000
- Home value to household income1.9 times
- Annual rent as a share of median income13.7 percent
- Adults 25 and over with a bachelor degree or higher17.9 percent
- Adults 25 and over with a graduate degree9.1 percent
- Adults 25 and over5,884
- Population under 181,950
- Share under 1823.1 percent
- Population 65 and over1,533
- Share 65 and over18.2 percent
- Working age population, 18 to 644,961
- Civilian labor force3,967
- Unemployment rate4.8 percent
- Labor force participation, adults 18 and over61.1 percent
- Rank by population among Kentucky counties108th of 120
- Rank by population among US county-equivalents2614th
Bracken County is the 108th largest of 120 Kentucky counties by population. A median home costs 1.9 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 18.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Bracken County
Is Bracken County growing
- Population change since the 2020 census base1.08 percent
- Census 2020 base population8,406
- Births, 202492
- Deaths, 2024115
- Natural change, 2024-23
- Net domestic migration, 202467
- Net international migration, 202417
- Total net migration, 202484
- Cumulative net domestic migration, 2021 to 2024174
- Rank by growth among US county-equivalents1452nd
The county has grown 1.08 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.
Bracken County
Where people moving to Bracken County come from
- Tax returns filed by households arriving207
- People arriving, from those returns372
- Adjusted gross income arriving$8.6 m
- Net adjusted gross income movement$0
- Average income of an arriving household$41,377
- Largest single originBracken County Non-migrants (3,121 households)
- Largest single destination (3,121 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Bracken County Non-migrants | 3,121 | 6,572 | $179.0 m |
| Other flows - Same State | 93 | 167 | $3.7 m |
| Mason County | 44 | 83 | $1.7 m |
| Other flows - Different State | 36 | 63 | $1.3 m |
| Other flows - Midwest | 36 | 63 | $1.3 m |
| Campbell County | 34 | 59 | $1.9 m |
The largest single source of arrivals is Bracken 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.
Bracken County
What the Bracken County economy runs on
- County GDP, 2024$219.5 m
- County GDP, 2023$217.5 m
- GDP change, 2023 to 20240.9 percent
- GDP change over five years31.9 percent
- Rank by GDP among Kentucky counties110th
- Rank by GDP among US county-equivalents2869th
- GDP per resident$25,994
Output grew 0.9 percent in the latest year and 31.9 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.
Bracken County
Who employs people in Bracken County
- Covered employment, annual average1,534
- Establishments reporting222
- Average annual pay$47,259
- Average weekly wage$909
- Sector 62, employment259
- Sector 62, average annual pay$64,171
- Sector 72, employment110
- Sector 72, average annual pay$17,389
- Sector 44-45, employment100
- Sector 44-45, average annual pay$19,305
- Sector 23, employment81
- Sector 23, average annual pay$46,019
- Sector 54, employment44
- Sector 52, employment32
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 259 | 74 | $64,171 |
| Sector 72 | 110 | 14 | $17,389 |
| Sector 44-45 | 100 | 15 | $19,305 |
| Sector 23 | 81 | 16 | $46,019 |
| Sector 54 | 44 | 16 | $57,490 |
| Sector 52 | 32 | 8 | $43,224 |
| Sector 81 | 30 | 16 | $42,121 |
| Sector 56 | 15 | 5 | $36,939 |
The largest sector is the biggest private employer group at 259 jobs, 16.9 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.
Bracken County
What businesses operate in Bracken County
- Establishments, all industries98
- Employment at those establishments943
- Annual payroll$38.1 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.
Bracken County
How much SBA lending happens in Bracken County
- 7(a) approvals recorded8
- 7(a) gross approval dollars$971,500
- Average 7(a) approval$121,438
- Median 7(a) approval$50,000
- 10th percentile approval$20,000
- 90th percentile approval$618,500
- Largest single approval$618,500
- Jobs reported supported, 7(a)57
- Jobs per approval7.1
- Distinct 7(a) lenders active5
- Distinct industries receiving approvals7
- 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 shorter6
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countSupermarkets and Other Grocery Retailers (except Convenience Retailers) (2)
- Most active lenderPeoples Bank (3)
The average approval of $121,438 sits well above the median of $50,000, 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 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.
Bracken County
Do SBA loans in Bracken County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Exempt from disclosure5
- 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.
Bracken County
Which parts of Bracken County get the lending
- Places in the county with recorded lending4
- BROOKSVILLE, approvals5
- GERMANTOWN, approvals1
- AUGUSTA, approvals1
- FOSTER, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| BROOKSVILLE | 5 | $890,500 |
| GERMANTOWN | 1 | $20,000 |
| AUGUSTA | 1 | $26,000 |
| FOSTER | 1 | $35,000 |
BROOKSVILLE accounts for 5 approvals against 1 in GERMANTOWN. 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.
Bracken County
How big is Bracken County
- Land area206 sq mi
- Rank by land area among Kentucky counties98th of 120
- Width, east to west17.6 mi
- Height, north to south19.1 mi
- Geographies sharing a boundary4
- Residents per square mile of land41
- Establishments per square mile0.48
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.
- The Building Permits Survey does not carry a 2024 record for this county.
- 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 Bracken 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 Bracken County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population8,444
- Households3,364
- Average household size2.51
- Median household income$66,319
- Median age42.0
Common questions
Bracken County questions, answered from the record.
How many people live in Bracken County, Kentucky?
8,444, in 3,364 households, ranking 108th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Bracken County growing?
The population has grown 1.08 percent since the 2020 census base. In 2024 there were 92 births against 115 deaths, with net migration of 84. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Bracken County?
$66,319. The median owner-occupied home is valued at $125,000, which is 1.9 times income, and median gross rent is $756 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Bracken County?
98 establishments, employing 943 people with an annual payroll of $38.1 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 Bracken County?
Average annual pay is $47,259, or $909 a week, across 1,534 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Bracken County?
8 7(a) approvals totalling $971,500 since FY2020, across 5 lenders, with a median approval of $50,000. These are approvals recorded in the release, not loans disbursed.
What is the radon zone for Bracken 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 Bracken County come from?
The largest single origin is Bracken County Non-migrants, with 3,121 households. Arriving households report an average income of $41,377 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 Bracken 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 Bracken 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.