Grayson County, Kentucky: commercial real estate data.
Grayson County, Kentucky has a population of 26,707 across 497 square miles, up 2.5 percent since the 2020 census base. County output reached $996.8 m in 2024, 431 establishments operate here, and the SBA record carries 7 7(a) approvals worth $2.3 m.
117 sourced county values · tier FULL · 11 sections
Grayson County
How many people live in Grayson County
- Population26,707
- Households10,129
- Average household size2.64
- Median household income$50,757
- Median age40.5
- Median gross rent$658 per month
- Median owner-occupied home value$164,600
- Home value to household income3.2 times
- Annual rent as a share of median income15.6 percent
- Adults 25 and over with a bachelor degree or higher16.1 percent
- Adults 25 and over with a graduate degree7.6 percent
- Adults 25 and over18,376
- Population under 186,349
- Share under 1823.8 percent
- Population 65 and over4,834
- Share 65 and over18.1 percent
- Working age population, 18 to 6415,524
- Civilian labor force11,549
- Unemployment rate6.6 percent
- Labor force participation, adults 18 and over56.7 percent
- Rank by population among Kentucky counties41st of 120
- Rank by population among US county-equivalents1589th
Grayson County is the 41st 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 23.8 percent against 18.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Grayson County
Is Grayson County growing
- Population change since the 2020 census base2.47 percent
- Census 2020 base population26,417
- Births, 2024379
- Deaths, 2024371
- Natural change, 20248
- Net domestic migration, 2024258
- Net international migration, 20241
- Total net migration, 2024259
- Cumulative net domestic migration, 2021 to 2024812
- Rank by growth among US county-equivalents1014th
The county has grown 2.47 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.
Grayson County
Where people moving to Grayson County come from
- Tax returns filed by households arriving582
- People arriving, from those returns1,081
- Adjusted gross income arriving$28.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$49,399
- Largest single originGrayson County Non-migrants (8,857 households)
- Largest single destination (8,857 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Grayson County Non-migrants | 8,857 | 19,055 | $495.3 m |
| Other flows - Different State | 153 | 281 | $9.1 m |
| Other flows - Same State | 115 | 227 | $5.0 m |
| Hardin County | 93 | 158 | $3.5 m |
| Jefferson County | 82 | 149 | $5.2 m |
| Other flows - South | 67 | 111 | $3.3 m |
| Other flows - Midwest | 51 | 109 | $3.0 m |
| Edmonson County | 49 | 113 | $1.8 m |
The largest single source of arrivals is Grayson 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.
Grayson County
What the Grayson County economy runs on
- County GDP, 2024$996.8 m
- County GDP, 2023$966.6 m
- GDP change, 2023 to 20243.1 percent
- GDP change over five years29.2 percent
- Rank by GDP among Kentucky counties52nd
- Rank by GDP among US county-equivalents1847th
- GDP per resident$37,322
Output grew 3.1 percent in the latest year and 29.2 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.
Grayson County
Who employs people in Grayson County
- Covered employment, annual average7,527
- Establishments reporting687
- Average annual pay$44,028
- Average weekly wage$847
- Sector 31-33, employment1,452
- Sector 31-33, average annual pay$54,077
- Sector 44-45, employment1,042
- Sector 44-45, average annual pay$30,045
- Sector 72, employment744
- Sector 72, average annual pay$18,775
- Sector 23, employment381
- Sector 23, average annual pay$58,301
- Sector 42, employment312
- Sector 56, employment236
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 1,452 | 36 | $54,077 |
| Sector 44-45 | 1,042 | 102 | $30,045 |
| Sector 72 | 744 | 42 | $18,775 |
| Sector 23 | 381 | 83 | $58,301 |
| Sector 42 | 312 | 36 | $54,434 |
| Sector 56 | 236 | 27 | $38,754 |
| Sector 52 | 222 | 47 | $49,999 |
| Sector 81 | 92 | 41 | $36,832 |
The largest sector is the biggest private employer group at 1,452 jobs, 19.3 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.
Grayson County
What businesses operate in Grayson County
- Establishments, all industries431
- Employment at those establishments6,333
- Annual payroll$255.2 m
- Establishments per 1,000 residents16.1
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.
Grayson County
What is being built in Grayson County
- Housing units authorised by permit, 202427
- Declared construction value permitted$4.2 m
- Single family units authorised11
- Multifamily units authorised16
- Multifamily share of units59.3 percent
- Average declared value per unit$155,630
- Units authorised per 1,000 households2.7
Multifamily is 59.3 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Grayson County
How much SBA lending happens in Grayson County
- 7(a) approvals recorded7
- 7(a) gross approval dollars$2.3 m
- Average 7(a) approval$335,657
- Median 7(a) approval$250,000
- 10th percentile approval$20,000
- 90th percentile approval$1,171,100
- Largest single approval$1,171,100
- Jobs reported supported, 7(a)34
- Jobs per approval4.9
- Distinct 7(a) lenders active5
- Distinct industries receiving approvals7
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer14.3 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter6
- Franchise loans1
- Franchise share of approvals14.3 percent
- Leading industry by approval countFuneral Homes and Funeral Services (1)
- Most active lenderThe Huntington National Bank (2)
- 504 approvals recorded1
- 504 gross approval dollars$262,000
- Average 504 approval$262,000
- Median 504 approval$262,000
- Distinct CDCs active1
- 504 jobs per approval12.0
- 504 jobs per million dollars approved45.8
- Most active CDCCapital Access Corporation - Kentucky (1)
- 7(a) share of SBA approvals87.5 percent
- Combined SBA approval dollars$2.6 m
The average approval of $335,657 sits close to the median of $250,000, so lending here is fairly evenly sized rather than driven by a few large deals. Only 14.3 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.
Grayson County
Do SBA loans in Grayson County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Cancelled1
- Status: Exempt from disclosure5
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.
Grayson County
Which parts of Grayson County get the lending
- Places in the county with recorded lending3
- Leitchfield, approvals5
- Clarkson, approvals1
- CANEYVILLE, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Leitchfield | 5 | $1,023,500 |
| Clarkson | 1 | $1,171,100 |
| CANEYVILLE | 1 | $155,000 |
Leitchfield accounts for 5 approvals against 1 in Clarkson. 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.
Grayson County
How big is Grayson County
- Land area497 sq mi
- Rank by land area among Kentucky counties11th of 120
- Width, east to west35.4 mi
- Height, north to south20.8 mi
- Geographies sharing a boundary6
- Residents per square mile of land54
- Establishments per square mile0.87
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 Grayson 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 Grayson County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population26,707
- Households10,129
- Average household size2.64
- Median household income$50,757
- Median age40.5
Common questions
Grayson County questions, answered from the record.
How many people live in Grayson County, Kentucky?
26,707, in 10,129 households, ranking 41st of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Grayson County growing?
The population has grown 2.47 percent since the 2020 census base. In 2024 there were 379 births against 371 deaths, with net migration of 259. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Grayson County?
$50,757. The median owner-occupied home is valued at $164,600, which is 3.2 times income, and median gross rent is $658 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Grayson County?
431 establishments, employing 6,333 people with an annual payroll of $255.2 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 Grayson County?
Average annual pay is $44,028, or $847 a week, across 7,527 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Grayson County?
7 7(a) approvals totalling $2.3 m since FY2020, across 5 lenders, with a median approval of $250,000, plus 1 504 approvals worth $262,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Grayson County?
27 housing units were authorised by permit in 2024, with a declared construction value of $4.2 m. Multifamily was 59.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Grayson 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 Grayson County come from?
The largest single origin is Grayson County Non-migrants, with 8,857 households. Arriving households report an average income of $49,399 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 Grayson 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 Grayson 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.