Christian County, Kentucky: commercial real estate data.
Christian County, Kentucky has a population of 72,069 across 718 square miles, down 2.5 percent since the 2020 census base. County output reached $7.87 bn in 2024, 1,290 establishments operate here, and the SBA record carries 24 7(a) approvals worth $8.7 m.
121 sourced county values · tier FULL · 11 sections
Christian County
How many people live in Christian County
- Population72,069
- Households25,725
- Average household size2.80
- Median household income$55,494
- Median age28.8
- Median gross rent$1,040 per month
- Median owner-occupied home value$173,600
- Home value to household income3.1 times
- Annual rent as a share of median income22.5 percent
- Adults 25 and over with a bachelor degree or higher19.6 percent
- Adults 25 and over with a graduate degree6.7 percent
- Adults 25 and over41,395
- Population under 1820,421
- Share under 1828.3 percent
- Population 65 and over9,168
- Share 65 and over12.7 percent
- Working age population, 18 to 6442,480
- Civilian labor force25,964
- Unemployment rate6.3 percent
- Labor force participation, adults 18 and over50.3 percent
- Rank by population among Kentucky counties11th of 120
- Rank by population among US county-equivalents774th
Christian County is the 11th largest of 120 Kentucky counties by population. A median home costs 3.1 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 28.3 percent against 12.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Christian County
Is Christian County growing
- Population change since the 2020 census base-2.46 percent
- Census 2020 base population72,798
- Births, 20241,181
- Deaths, 2024777
- Natural change, 2024404
- Net domestic migration, 2024-853
- Net international migration, 2024228
- Total net migration, 2024-625
- Cumulative net domestic migration, 2021 to 2024-4,637
- Rank by growth among US county-equivalents2619th
The county has lost 2.46 percent of its population since the 2020 census base. Births exceeded deaths in 2024 but more people left than arrived, so the population is being sustained internally rather than attracting.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Christian County
Where people moving to Christian County come from
- Tax returns filed by households arriving3,338
- People arriving, from those returns6,953
- Adjusted gross income arriving$128.1 m
- Net adjusted gross income movement$0
- Average income of an arriving household$38,390
- Largest single originChristian County Non-migrants (21,839 households)
- Largest single destination (21,839 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Christian County Non-migrants | 21,839 | 46,809 | $1.30 bn |
| Other flows - Different State | 1,673 | 3,398 | $64.8 m |
| Other flows - South | 899 | 1,861 | $34.7 m |
| Montgomery County | 701 | 1,520 | $25.4 m |
| Other flows - Midwest | 356 | 747 | $13.6 m |
| Other flows - West | 262 | 515 | $10.4 m |
| Other flows - Same State | 210 | 384 | $7.5 m |
| Other flows - Northeast | 156 | 275 | $6.2 m |
The largest single source of arrivals is Christian 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.
Christian County
What the Christian County economy runs on
- County GDP, 2024$7.87 bn
- County GDP, 2023$7.70 bn
- GDP change, 2023 to 20242.1 percent
- GDP change over five years25.9 percent
- Rank by GDP among Kentucky counties6th
- Rank by GDP among US county-equivalents533rd
- GDP per resident$109,142
Output grew 2.1 percent in the latest year and 25.9 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.
Christian County
Who employs people in Christian County
- Covered employment, annual average31,505
- Establishments reporting2,207
- Average annual pay$55,483
- Average weekly wage$1,067
- Sector 31-33, employment6,116
- Sector 31-33, average annual pay$64,609
- Sector 62, employment3,955
- Sector 62, average annual pay$57,015
- Sector 44-45, employment3,402
- Sector 44-45, average annual pay$33,631
- Sector 72, employment2,428
- Sector 72, average annual pay$21,908
- Sector 56, employment2,073
- Sector 48-49, employment1,674
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 6,116 | 109 | $64,609 |
| Sector 62 | 3,955 | 333 | $57,015 |
| Sector 44-45 | 3,402 | 284 | $33,631 |
| Sector 72 | 2,428 | 154 | $21,908 |
| Sector 56 | 2,073 | 171 | $43,838 |
| Sector 48-49 | 1,674 | 69 | $61,273 |
| Sector 54 | 1,212 | 256 | $80,348 |
| Sector 23 | 719 | 151 | $85,475 |
The largest sector is the biggest private employer group at 6,116 jobs, 19.4 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.
Christian County
What businesses operate in Christian County
- Establishments, all industries1,290
- Employment at those establishments24,327
- Annual payroll$1.15 bn
- Establishments per 1,000 residents17.9
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.
Christian County
What is being built in Christian County
- Housing units authorised by permit, 2024190
- Declared construction value permitted$14.6 m
- Single family units authorised108
- Multifamily units authorised82
- Multifamily share of units43.2 percent
- Average declared value per unit$76,733
- Units authorised per 1,000 households7.4
Multifamily is 43.2 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Christian County
How much SBA lending happens in Christian County
- 7(a) approvals recorded24
- 7(a) gross approval dollars$8.7 m
- Average 7(a) approval$364,158
- Median 7(a) approval$150,000
- 10th percentile approval$30,000
- 90th percentile approval$1,439,000
- Largest single approval$2,179,000
- Jobs reported supported, 7(a)267
- Jobs per approval11.1
- Distinct 7(a) lenders active12
- Distinct industries receiving approvals17
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer16.7 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter20
- Franchise loans3
- Franchise share of approvals12.5 percent
- Leading industry by approval countPet Care (except Veterinary) Services (3)
- Most active lenderNortheast Bank (6)
- 504 approvals recorded4
- 504 gross approval dollars$3.5 m
- Average 504 approval$875,750
- Median 504 approval$834,000
- Distinct CDCs active2
- 504 jobs per approval19.3
- 504 jobs per million dollars approved22.0
- Most active CDCPurchase Area Development District (3)
- 7(a) share of SBA approvals85.7 percent
- Combined SBA approval dollars$12.2 m
The average approval of $364,158 sits well above the median of $150,000, 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 16.7 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.
Christian County
Do SBA loans in Christian County get paid back
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Paid in full3
- Status: Exempt from disclosure14
- Status: Cancelled6
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 3 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.
Christian County
Which parts of Christian County get the lending
- Places in the county with recorded lending6
- Hopkinsville, approvals18
- Oak Grove, approvals2
- HERNDON, approvals1
- Fort Campbell, approvals1
- PEMBROKE, approvals1
- Gracey, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Hopkinsville | 18 | $7,853,800 |
| Oak Grove | 2 | $300,000 |
| HERNDON | 1 | $30,000 |
| Fort Campbell | 1 | $256,000 |
| PEMBROKE | 1 | $150,000 |
| Gracey | 1 | $150,000 |
Hopkinsville accounts for 18 approvals against 2 in Oak Grove. 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.
Christian County
How big is Christian County
- Land area718 sq mi
- Rank by land area among Kentucky counties2nd of 120
- Width, east to west26.3 mi
- Height, north to south35.9 mi
- Geographies sharing a boundary5
- Residents per square mile of land100
- Establishments per square mile1.80
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 Christian 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 Christian County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population72,069
- Households25,725
- Average household size2.80
- Median household income$55,494
- Median age28.8
Common questions
Christian County questions, answered from the record.
How many people live in Christian County, Kentucky?
72,069, in 25,725 households, ranking 11th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Christian County growing?
The population has fallen 2.46 percent since the 2020 census base. In 2024 there were 1,181 births against 777 deaths, with net migration of -625. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Christian County?
$55,494. The median owner-occupied home is valued at $173,600, which is 3.1 times income, and median gross rent is $1,040 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Christian County?
1,290 establishments, employing 24,327 people with an annual payroll of $1.15 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 Christian County?
Average annual pay is $55,483, or $1,067 a week, across 31,505 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Christian County?
24 7(a) approvals totalling $8.7 m since FY2020, across 12 lenders, with a median approval of $150,000, plus 4 504 approvals worth $3.5 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Christian County?
190 housing units were authorised by permit in 2024, with a declared construction value of $14.6 m. Multifamily was 43.2 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Christian 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 Christian County come from?
The largest single origin is Christian County Non-migrants, with 21,839 households. Arriving households report an average income of $38,390 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 Christian 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 Christian 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.