Clark County, Kentucky: commercial real estate data.
Clark County, Kentucky has a population of 37,192 across 252 square miles, up 1.8 percent since the 2020 census base. County output reached $2.04 bn in 2024, 784 establishments operate here, and the SBA record carries 24 7(a) approvals worth $9.8 m.
116 sourced county values · tier FULL · 11 sections
Clark County
How many people live in Clark County
- Population37,192
- Households15,055
- Average household size2.47
- Median household income$64,348
- Median age40.5
- Median gross rent$938 per month
- Median owner-occupied home value$205,800
- Home value to household income3.2 times
- Annual rent as a share of median income17.5 percent
- Adults 25 and over with a bachelor degree or higher22.9 percent
- Adults 25 and over with a graduate degree8.8 percent
- Adults 25 and over26,130
- Population under 188,358
- Share under 1822.5 percent
- Population 65 and over6,777
- Share 65 and over18.2 percent
- Working age population, 18 to 6422,057
- Civilian labor force17,472
- Unemployment rate4.4 percent
- Labor force participation, adults 18 and over60.6 percent
- Rank by population among Kentucky counties27th of 120
- Rank by population among US county-equivalents1279th
Clark County is the 27th 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 22.5 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.
Clark County
Is Clark County growing
- Population change since the 2020 census base1.83 percent
- Census 2020 base population36,996
- Births, 2024416
- Deaths, 2024495
- Natural change, 2024-79
- Net domestic migration, 2024400
- Net international migration, 202419
- Total net migration, 2024419
- Cumulative net domestic migration, 2021 to 2024918
- Rank by growth among US county-equivalents1226th
The county has grown 1.83 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.
Clark County
Where people moving to Clark County come from
- Tax returns filed by households arriving1,110
- People arriving, from those returns2,052
- Adjusted gross income arriving$62.0 m
- Net adjusted gross income movement$0
- Average income of an arriving household$55,891
- Largest single originClark County Non-migrants (13,010 households)
- Largest single destination (13,010 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Clark County Non-migrants | 13,010 | 26,491 | $886.3 m |
| Fayette County | 312 | 579 | $15.6 m |
| Other flows - Same State | 257 | 436 | $12.0 m |
| Other flows - Different State | 253 | 507 | $21.3 m |
| Other flows - South | 132 | 239 | $11.7 m |
| Montgomery County | 83 | 155 | $3.5 m |
| Madison County | 66 | 123 | $3.2 m |
| Other flows - West | 64 | 158 | $6.0 m |
The largest single source of arrivals is Clark 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.
Clark County
What the Clark County economy runs on
- County GDP, 2024$2.04 bn
- County GDP, 2023$1.92 bn
- GDP change, 2023 to 20246.4 percent
- GDP change over five years30.3 percent
- Rank by GDP among Kentucky counties26th
- Rank by GDP among US county-equivalents1259th
- GDP per resident$54,940
Output grew 6.4 percent in the latest year and 30.3 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.
Clark County
Who employs people in Clark County
- Covered employment, annual average13,594
- Establishments reporting1,069
- Average annual pay$55,905
- Average weekly wage$1,075
- Sector 31-33, employment2,712
- Sector 31-33, average annual pay$69,579
- Sector 44-45, employment1,828
- Sector 44-45, average annual pay$33,255
- Sector 62, employment1,586
- Sector 62, average annual pay$61,767
- Sector 72, employment1,207
- Sector 72, average annual pay$20,257
- Sector 56, employment968
- Sector 23, employment685
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 2,712 | 55 | $69,579 |
| Sector 44-45 | 1,828 | 140 | $33,255 |
| Sector 62 | 1,586 | 146 | $61,767 |
| Sector 72 | 1,207 | 78 | $20,257 |
| Sector 56 | 968 | 60 | $37,672 |
| Sector 23 | 685 | 102 | $64,225 |
| Sector 42 | 638 | 57 | $74,387 |
| Sector 54 | 622 | 114 | $69,003 |
The largest sector is the biggest private employer group at 2,712 jobs, 19.9 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.
Clark County
What businesses operate in Clark County
- Establishments, all industries784
- Employment at those establishments12,466
- Annual payroll$615.8 m
- Establishments per 1,000 residents21.1
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.
Clark County
What is being built in Clark County
- Housing units authorised by permit, 2024160
- Declared construction value permitted$25.9 m
- Single family units authorised62
- Multifamily units authorised98
- Multifamily share of units61.3 percent
- Average declared value per unit$161,601
- Units authorised per 1,000 households10.6
Multifamily is 61.3 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Clark County
How much SBA lending happens in Clark County
- 7(a) approvals recorded24
- 7(a) gross approval dollars$9.8 m
- Average 7(a) approval$410,417
- Median 7(a) approval$150,000
- 10th percentile approval$30,000
- 90th percentile approval$1,150,000
- Largest single approval$1,895,000
- Jobs reported supported, 7(a)193
- Jobs per approval8.0
- Distinct 7(a) lenders active12
- Distinct industries receiving approvals16
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer12.5 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter18
- Franchise loans2
- Franchise share of approvals8.3 percent
- Leading industry by approval countLandscaping Services (4)
- Most active lenderCommunity Trust Bank, Inc. (7)
- 504 approvals recorded4
- 504 gross approval dollars$2.2 m
- Average 504 approval$562,250
- Median 504 approval$362,000
- Distinct CDCs active2
- 504 jobs per approval5.5
- 504 jobs per million dollars approved9.8
- Most active CDCCommunity Ventures Corporation (3)
- 7(a) share of SBA approvals85.7 percent
- Combined SBA approval dollars$12.1 m
The average approval of $410,417 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 12.5 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.
Clark County
Do SBA loans in Clark County get paid back
- Loans with a final outcome recorded2
- Paid in full2
- Charged off0
- Status: Cancelled3
- Status: Exempt from disclosure19
- Status: Paid in full2
Too few loans have reached a final outcome to publish a charge off rate. only 2 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.
Clark County
Which parts of Clark County get the lending
- Places in the county with recorded lending2
- Winchester, approvals23
- LEXINGTON, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Winchester | 23 | $9,782,900 |
| LEXINGTON | 1 | $67,100 |
Winchester accounts for 23 approvals against 1 in LEXINGTON. 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.
Clark County
How big is Clark County
- Land area252 sq mi
- Rank by land area among Kentucky counties82nd of 120
- Width, east to west20.2 mi
- Height, north to south19.2 mi
- Geographies sharing a boundary6
- Residents per square mile of land148
- Establishments per square mile3.11
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 Clark 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 Clark County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population37,192
- Households15,055
- Average household size2.47
- Median household income$64,348
- Median age40.5
Common questions
Clark County questions, answered from the record.
How many people live in Clark County, Kentucky?
37,192, in 15,055 households, ranking 27th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Clark County growing?
The population has grown 1.83 percent since the 2020 census base. In 2024 there were 416 births against 495 deaths, with net migration of 419. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Clark County?
$64,348. The median owner-occupied home is valued at $205,800, which is 3.2 times income, and median gross rent is $938 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Clark County?
784 establishments, employing 12,466 people with an annual payroll of $615.8 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 Clark County?
Average annual pay is $55,905, or $1,075 a week, across 13,594 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Clark County?
24 7(a) approvals totalling $9.8 m since FY2020, across 12 lenders, with a median approval of $150,000, plus 4 504 approvals worth $2.2 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Clark County?
160 housing units were authorised by permit in 2024, with a declared construction value of $25.9 m. Multifamily was 61.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Clark County?
Zone 1, a predicted average indoor radon screening level greater than 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 Clark County come from?
The largest single origin is Clark County Non-migrants, with 13,010 households. Arriving households report an average income of $55,891 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 Clark 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 Clark 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.