Daviess County, Kentucky: commercial real estate data.
Daviess County, Kentucky has a population of 103,648 across 458 square miles, up 1.1 percent since the 2020 census base. County output reached $6.15 bn in 2024, 2,385 establishments operate here, and the SBA record carries 80 7(a) approvals worth $44.7 m.
118 sourced county values · tier FULL · 11 sections
Daviess County
How many people live in Daviess County
- Population103,648
- Households41,639
- Average household size2.49
- Median household income$68,214
- Median age38.6
- Median gross rent$918 per month
- Median owner-occupied home value$199,900
- Home value to household income2.9 times
- Annual rent as a share of median income16.1 percent
- Adults 25 and over with a bachelor degree or higher26.2 percent
- Adults 25 and over with a graduate degree10.8 percent
- Adults 25 and over69,609
- Population under 1825,381
- Share under 1824.5 percent
- Population 65 and over18,320
- Share 65 and over17.7 percent
- Working age population, 18 to 6459,947
- Civilian labor force50,218
- Unemployment rate4.5 percent
- Labor force participation, adults 18 and over64.2 percent
- Rank by population among Kentucky counties7th of 120
- Rank by population among US county-equivalents602nd
Daviess County is the 7th largest of 120 Kentucky counties by population. A median home costs 2.9 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 24.5 percent against 17.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Daviess County
Is Daviess County growing
- Population change since the 2020 census base1.11 percent
- Census 2020 base population103,315
- Births, 20241,348
- Deaths, 20241,185
- Natural change, 2024163
- Net domestic migration, 2024-168
- Net international migration, 2024533
- Total net migration, 2024365
- Cumulative net domestic migration, 2021 to 2024-365
- Rank by growth among US county-equivalents1441st
The county has grown 1.11 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Daviess County
Where people moving to Daviess County come from
- Tax returns filed by households arriving1,788
- People arriving, from those returns3,243
- Adjusted gross income arriving$94.6 m
- Net adjusted gross income movement$0
- Average income of an arriving household$52,908
- Largest single originDaviess County Non-migrants (37,979 households)
- Largest single destination (37,979 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Daviess County Non-migrants | 37,979 | 79,403 | $2.74 bn |
| Other flows - Different State | 678 | 1,289 | $43.2 m |
| Other flows - South | 309 | 588 | $18.7 m |
| Other flows - Same State | 253 | 414 | $11.8 m |
| Other flows - Midwest | 214 | 412 | $13.4 m |
| Ohio County | 172 | 324 | $7.2 m |
| Other flows - West | 116 | 216 | $8.1 m |
| Hancock County | 112 | 210 | $5.2 m |
The largest single source of arrivals is Daviess 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.
Daviess County
What the Daviess County economy runs on
- County GDP, 2024$6.15 bn
- County GDP, 2023$5.95 bn
- GDP change, 2023 to 20243.3 percent
- GDP change over five years24.5 percent
- Rank by GDP among Kentucky counties9th
- Rank by GDP among US county-equivalents639th
- GDP per resident$59,344
Output grew 3.3 percent in the latest year and 24.5 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.
Daviess County
Who employs people in Daviess County
- Covered employment, annual average47,217
- Establishments reporting3,566
- Average annual pay$53,566
- Average weekly wage$1,030
- Sector 62, employment8,982
- Sector 62, average annual pay$59,512
- Sector 31-33, employment7,372
- Sector 31-33, average annual pay$69,064
- Sector 44-45, employment5,607
- Sector 44-45, average annual pay$33,953
- Sector 72, employment4,756
- Sector 72, average annual pay$20,936
- Sector 56, employment2,577
- Sector 23, employment2,190
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 8,982 | 736 | $59,512 |
| Sector 31-33 | 7,372 | 134 | $69,064 |
| Sector 44-45 | 5,607 | 451 | $33,953 |
| Sector 72 | 4,756 | 222 | $20,936 |
| Sector 56 | 2,577 | 217 | $37,152 |
| Sector 23 | 2,190 | 316 | $57,427 |
| Sector 52 | 2,059 | 228 | $79,572 |
| Sector 48-49 | 2,052 | 86 | $73,172 |
The largest sector is the biggest private employer group at 8,982 jobs, 19.0 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.
Daviess County
What businesses operate in Daviess County
- Establishments, all industries2,385
- Employment at those establishments43,758
- Annual payroll$2.14 bn
- Establishments per 1,000 residents23.0
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.
Daviess County
What is being built in Daviess County
- Housing units authorised by permit, 2024226
- Declared construction value permitted$18.7 m
- Single family units authorised198
- Multifamily units authorised28
- Multifamily share of units12.4 percent
- Average declared value per unit$82,851
- Units authorised per 1,000 households5.4
Multifamily is 12.4 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Daviess County
How much SBA lending happens in Daviess County
- 7(a) approvals recorded80
- 7(a) gross approval dollars$44.7 m
- Average 7(a) approval$558,493
- Median 7(a) approval$250,000
- 10th percentile approval$25,000
- 90th percentile approval$1,520,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)1,603
- Jobs per approval20.0
- Distinct 7(a) lenders active20
- Distinct industries receiving approvals47
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer15.0 percent
- Loans on real estate terms12
- Loans on working capital terms, 120 months or shorter61
- Franchise loans17
- Franchise share of approvals21.3 percent
- Leading industry by approval countFull-Service Restaurants (6)
- Most active lenderU.S. Bank, National Association (16)
- 504 approvals recorded10
- 504 gross approval dollars$4.7 m
- Average 504 approval$466,100
- Median 504 approval$377,000
- Distinct CDCs active3
- 504 jobs per approval7.0
- 504 jobs per million dollars approved15.0
- Most active CDCPremier Capital Corporation (4)
- 7(a) share of SBA approvals88.9 percent
- Combined SBA approval dollars$49.3 m
The average approval of $558,493 sits well above the median of $250,000, 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 15.0 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. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Daviess County
Do SBA loans in Daviess County get paid back
- Loans with a final outcome recorded9
- Paid in full9
- Charged off0
- Status: Paid in full9
- Status: Cancelled7
- Status: Exempt from disclosure56
- Status: Committed, not yet disbursed8
Too few loans have reached a final outcome to publish a charge off rate. only 9 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.
Daviess County
Which parts of Daviess County get the lending
- Places in the county with recorded lending3
- OWENSBORO, approvals75
- PHILPOT, approvals3
- UTICA, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| OWENSBORO | 75 | $44,425,400 |
| PHILPOT | 3 | $234,000 |
| UTICA | 2 | $20,000 |
OWENSBORO accounts for 75 approvals against 3 in PHILPOT. 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.
Daviess County
How big is Daviess County
- Land area458 sq mi
- Rank by land area among Kentucky counties19th of 120
- Width, east to west32.3 mi
- Height, north to south25.5 mi
- Geographies sharing a boundary4
- Residents per square mile of land226
- Establishments per square mile5.21
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 Daviess 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 Daviess County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population103,648
- Households41,639
- Average household size2.49
- Median household income$68,214
- Median age38.6
Common questions
Daviess County questions, answered from the record.
How many people live in Daviess County, Kentucky?
103,648, in 41,639 households, ranking 7th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Daviess County growing?
The population has grown 1.11 percent since the 2020 census base. In 2024 there were 1,348 births against 1,185 deaths, with net migration of 365. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Daviess County?
$68,214. The median owner-occupied home is valued at $199,900, which is 2.9 times income, and median gross rent is $918 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Daviess County?
2,385 establishments, employing 43,758 people with an annual payroll of $2.14 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 Daviess County?
Average annual pay is $53,566, or $1,030 a week, across 47,217 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Daviess County?
80 7(a) approvals totalling $44.7 m since FY2020, across 20 lenders, with a median approval of $250,000, plus 10 504 approvals worth $4.7 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Daviess County?
226 housing units were authorised by permit in 2024, with a declared construction value of $18.7 m. Multifamily was 12.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Daviess 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 Daviess County come from?
The largest single origin is Daviess County Non-migrants, with 37,979 households. Arriving households report an average income of $52,908 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 Daviess 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 Daviess 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.