Campbell County, Kentucky: commercial real estate data.
Campbell County, Kentucky has a population of 93,426 across 151 square miles, up 1.0 percent since the 2020 census base. County output reached $5.05 bn in 2024, 1,743 establishments operate here, and the SBA record carries 90 7(a) approvals worth $34.5 m.
123 sourced county values · tier FULL · 11 sections
Campbell County
How many people live in Campbell County
- Population93,426
- Households39,232
- Average household size2.38
- Median household income$77,567
- Median age39.3
- Median gross rent$1,145 per month
- Median owner-occupied home value$252,000
- Home value to household income3.2 times
- Annual rent as a share of median income17.7 percent
- Adults 25 and over with a bachelor degree or higher39.7 percent
- Adults 25 and over with a graduate degree15.3 percent
- Adults 25 and over66,137
- Population under 1819,222
- Share under 1820.6 percent
- Population 65 and over16,377
- Share 65 and over17.5 percent
- Working age population, 18 to 6457,827
- Civilian labor force50,379
- Unemployment rate4.0 percent
- Labor force participation, adults 18 and over67.9 percent
- Rank by population among Kentucky counties9th of 120
- Rank by population among US county-equivalents654th
Campbell County is the 9th largest of 120 Kentucky counties by population. A median home costs 3.2 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 20.6 percent against 17.5 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Campbell County
Is Campbell County growing
- Population change since the 2020 census base1.00 percent
- Census 2020 base population93,076
- Births, 2024941
- Deaths, 2024845
- Natural change, 202496
- Net domestic migration, 2024-174
- Net international migration, 2024229
- Total net migration, 202455
- Cumulative net domestic migration, 2021 to 2024114
- Rank by growth among US county-equivalents1486th
The county has grown 1.00 percent since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Campbell County
Where people moving to Campbell County come from
- Tax returns filed by households arriving3,174
- People arriving, from those returns4,902
- Adjusted gross income arriving$200.1 m
- Net adjusted gross income movement$0
- Average income of an arriving household$63,052
- Largest single originCampbell County Non-migrants (35,101 households)
- Largest single destination (35,101 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Campbell County Non-migrants | 35,101 | 68,858 | $3.34 bn |
| Kenton County | 815 | 1,328 | $46.8 m |
| Other flows - Different State | 683 | 1,047 | $49.4 m |
| Hamilton County | 648 | 910 | $44.0 m |
| Boone County | 324 | 522 | $19.4 m |
| Other flows - South | 256 | 410 | $18.6 m |
| Other flows - Midwest | 250 | 352 | $16.4 m |
| Other flows - Same State | 167 | 239 | $7.4 m |
The largest single source of arrivals is Campbell 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.
Campbell County
What the Campbell County economy runs on
- County GDP, 2024$5.05 bn
- County GDP, 2023$4.80 bn
- GDP change, 2023 to 20245.3 percent
- GDP change over five years40.0 percent
- Rank by GDP among Kentucky counties10th
- Rank by GDP among US county-equivalents713th
- GDP per resident$54,037
Output grew 5.3 percent in the latest year and 40.0 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.
Campbell County
Who employs people in Campbell County
- Covered employment, annual average31,709
- Establishments reporting3,434
- Average annual pay$57,401
- Average weekly wage$1,104
- Sector 62, employment4,689
- Sector 62, average annual pay$62,492
- Sector 72, employment4,397
- Sector 72, average annual pay$22,758
- Sector 44-45, employment4,013
- Sector 44-45, average annual pay$38,668
- Sector 54, employment2,256
- Sector 54, average annual pay$80,009
- Sector 31-33, employment2,033
- Sector 42, employment1,310
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 4,689 | 379 | $62,492 |
| Sector 72 | 4,397 | 278 | $22,758 |
| Sector 44-45 | 4,013 | 294 | $38,668 |
| Sector 54 | 2,256 | 629 | $80,009 |
| Sector 31-33 | 2,033 | 170 | $83,452 |
| Sector 42 | 1,310 | 202 | $81,817 |
| Sector 48-49 | 1,070 | 71 | $60,263 |
| Sector 56 | 1,045 | 181 | $64,541 |
The largest sector is the biggest private employer group at 4,689 jobs, 14.8 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.
Campbell County
What businesses operate in Campbell County
- Establishments, all industries1,743
- Employment at those establishments25,891
- Annual payroll$1.24 bn
- Establishments per 1,000 residents18.7
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.
Campbell County
What is being built in Campbell County
- Housing units authorised by permit, 2024249
- Declared construction value permitted$82.8 m
- Single family units authorised141
- Multifamily units authorised108
- Multifamily share of units43.4 percent
- Average declared value per unit$332,595
- Units authorised per 1,000 households6.3
Multifamily is 43.4 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Campbell County
How much SBA lending happens in Campbell County
- 7(a) approvals recorded90
- 7(a) gross approval dollars$34.5 m
- Average 7(a) approval$382,792
- Median 7(a) approval$130,500
- 10th percentile approval$20,000
- 90th percentile approval$950,200
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)761
- Jobs per approval8.5
- Distinct 7(a) lenders active20
- Distinct industries receiving approvals52
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer12.2 percent
- Loans on real estate terms11
- Loans on working capital terms, 120 months or shorter74
- Franchise loans16
- Franchise share of approvals17.8 percent
- Leading industry by approval countResidential Remodelers (7)
- Most active lenderThe Huntington National Bank (30)
- 504 approvals recorded28
- 504 gross approval dollars$23.2 m
- Average 504 approval$828,036
- Median 504 approval$413,000
- Distinct CDCs active3
- 504 jobs per approval10.0
- 504 jobs per million dollars approved12.1
- Most active CDCAlloy Development Co., Inc. (22)
- 7(a) share of SBA approvals76.3 percent
- Combined SBA approval dollars$57.6 m
The average approval of $382,792 sits well above the median of $130,500, 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 12.2 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.
Campbell County
Do SBA loans in Campbell County get paid back
- Loans with a final outcome recorded24
- Paid in full23
- Charged off1
- Charge off rate on resolved loans4.2 percent
- Status: Paid in full23
- Status: Cancelled8
- Status: Exempt from disclosure55
- Status: Committed, not yet disbursed3
- Status: Charged off1
Of the 24 loans that have reached a final outcome, 4.2 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Campbell County
Which parts of Campbell County get the lending
- Places in the county with recorded lending11
- NEWPORT, approvals30
- ALEXANDRIA, approvals16
- Fort Thomas, approvals12
- BELLEVUE, approvals10
- Wilder, approvals6
- COLD SPRING, approvals6
| Place | Approvals | Gross approval dollars |
|---|---|---|
| NEWPORT | 30 | $10,491,500 |
| ALEXANDRIA | 16 | $2,713,500 |
| Fort Thomas | 12 | $2,703,600 |
| BELLEVUE | 10 | $3,449,100 |
| Wilder | 6 | $6,948,500 |
| COLD SPRING | 6 | $975,800 |
| Dayton | 3 | $5,250,000 |
| Ft. Thomas | 2 | $786,300 |
NEWPORT accounts for 30 approvals against 16 in ALEXANDRIA. 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.
Campbell County
How big is Campbell County
- Land area151 sq mi
- Rank by land area among Kentucky counties117th of 120
- Width, east to west14.7 mi
- Height, north to south20.4 mi
- Geographies sharing a boundary2
- Residents per square mile of land619
- Establishments per square mile11.54
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 Campbell 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 Campbell County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population93,426
- Households39,232
- Average household size2.38
- Median household income$77,567
- Median age39.3
Common questions
Campbell County questions, answered from the record.
How many people live in Campbell County, Kentucky?
93,426, in 39,232 households, ranking 9th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Campbell County growing?
The population has grown 1.00 percent since the 2020 census base. In 2024 there were 941 births against 845 deaths, with net migration of 55. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Campbell County?
$77,567. The median owner-occupied home is valued at $252,000, which is 3.2 times income, and median gross rent is $1,145 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Campbell County?
1,743 establishments, employing 25,891 people with an annual payroll of $1.24 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Campbell County?
Average annual pay is $57,401, or $1,104 a week, across 31,709 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Campbell County?
90 7(a) approvals totalling $34.5 m since FY2020, across 20 lenders, with a median approval of $130,500, plus 28 504 approvals worth $23.2 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Campbell County get paid back?
Of the 24 loans that have reached a final outcome, 23 were paid in full and 1 charged off, a charge off rate of 4.2 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Campbell County?
249 housing units were authorised by permit in 2024, with a declared construction value of $82.8 m. Multifamily was 43.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Campbell 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 Campbell County come from?
The largest single origin is Campbell County Non-migrants, with 35,101 households. Arriving households report an average income of $63,052 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 Campbell 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 Campbell 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.