Harrison County, Kentucky: commercial real estate data.
Harrison County, Kentucky has a population of 19,140 across 306 square miles, up 4.5 percent since the 2020 census base. County output reached $710.3 m in 2024, 297 establishments operate here, and the SBA record carries 13 7(a) approvals worth $4.0 m.
116 sourced county values · tier FULL · 11 sections
Harrison County
How many people live in Harrison County
- Population19,140
- Households7,293
- Average household size2.62
- Median household income$66,442
- Median age42.1
- Median gross rent$765 per month
- Median owner-occupied home value$202,100
- Home value to household income3.0 times
- Annual rent as a share of median income13.8 percent
- Adults 25 and over with a bachelor degree or higher22.5 percent
- Adults 25 and over with a graduate degree9.7 percent
- Adults 25 and over13,316
- Population under 184,476
- Share under 1823.4 percent
- Population 65 and over3,666
- Share 65 and over19.2 percent
- Working age population, 18 to 6410,998
- Civilian labor force8,914
- Unemployment rate3.2 percent
- Labor force participation, adults 18 and over60.8 percent
- Rank by population among Kentucky counties63rd of 120
- Rank by population among US county-equivalents1931st
Harrison County is the 63rd largest of 120 Kentucky counties by population. A median home costs 3.0 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 23.4 percent against 19.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Harrison County
Is Harrison County growing
- Population change since the 2020 census base4.45 percent
- Census 2020 base population18,693
- Births, 2024265
- Deaths, 2024259
- Natural change, 20246
- Net domestic migration, 2024113
- Net international migration, 2024-2
- Total net migration, 2024111
- Cumulative net domestic migration, 2021 to 2024948
- Rank by growth among US county-equivalents620th
The county has grown 4.45 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.
Harrison County
Where people moving to Harrison County come from
- Tax returns filed by households arriving493
- People arriving, from those returns969
- Adjusted gross income arriving$25.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$51,759
- Largest single originHarrison County Non-migrants (6,710 households)
- Largest single destination (6,710 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Harrison County Non-migrants | 6,710 | 14,066 | $412.8 m |
| Other flows - Same State | 181 | 365 | $8.4 m |
| Scott County | 108 | 210 | $6.1 m |
| Other flows - Different State | 96 | 179 | $6.2 m |
| Fayette County | 59 | 110 | $2.8 m |
| Bourbon County | 49 | 105 | $2.1 m |
| Other flows - South | 46 | 89 | $2.4 m |
| Other flows - West | 26 | 49 | $2.1 m |
The largest single source of arrivals is Harrison 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.
Harrison County
What the Harrison County economy runs on
- County GDP, 2024$710.3 m
- County GDP, 2023$667.6 m
- GDP change, 2023 to 20246.4 percent
- GDP change over five years35.1 percent
- Rank by GDP among Kentucky counties60th
- Rank by GDP among US county-equivalents2128th
- GDP per resident$37,109
Output grew 6.4 percent in the latest year and 35.1 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.
Harrison County
Who employs people in Harrison County
- Covered employment, annual average5,310
- Establishments reporting428
- Average annual pay$50,516
- Average weekly wage$971
- Sector 31-33, employment1,191
- Sector 31-33, average annual pay$72,255
- Sector 44-45, employment593
- Sector 44-45, average annual pay$29,605
- Sector 48-49, employment185
- Sector 48-49, average annual pay$51,003
- Sector 23, employment169
- Sector 23, average annual pay$79,420
- Sector 81, employment154
- Sector 52, employment58
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 1,191 | 24 | $72,255 |
| Sector 44-45 | 593 | 52 | $29,605 |
| Sector 48-49 | 185 | 10 | $51,003 |
| Sector 23 | 169 | 39 | $79,420 |
| Sector 81 | 154 | 31 | $41,283 |
| Sector 52 | 58 | 24 | $54,655 |
| Sector 51 | 34 | 6 | $57,523 |
| Sector 53 | 27 | 11 | $29,626 |
The largest sector is the biggest private employer group at 1,191 jobs, 22.4 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.
Harrison County
What businesses operate in Harrison County
- Establishments, all industries297
- Employment at those establishments4,594
- Annual payroll$227.7 m
- Establishments per 1,000 residents15.5
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.
Harrison County
What is being built in Harrison County
- Housing units authorised by permit, 202469
- Declared construction value permitted$14.4 m
- Single family units authorised69
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$209,076
- Units authorised per 1,000 households9.5
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Harrison County
How much SBA lending happens in Harrison County
- 7(a) approvals recorded13
- 7(a) gross approval dollars$4.0 m
- Average 7(a) approval$304,462
- Median 7(a) approval$56,000
- 10th percentile approval$28,200
- 90th percentile approval$990,000
- Largest single approval$1,063,800
- Jobs reported supported, 7(a)69
- Jobs per approval5.3
- Distinct 7(a) lenders active6
- Distinct industries receiving approvals10
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer23.1 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter10
- Franchise loans1
- Franchise share of approvals7.7 percent
- Leading industry by approval countSite Preparation Contractors (3)
- Most active lenderFifth Third Bank (4)
- 504 approvals recorded3
- 504 gross approval dollars$1.6 m
- Average 504 approval$525,333
- Median 504 approval$661,000
- Distinct CDCs active3
- 504 jobs per approval6.0
- 504 jobs per million dollars approved11.4
- Most active CDCCommunity Ventures Corporation (1)
- 7(a) share of SBA approvals81.3 percent
- Combined SBA approval dollars$5.5 m
The average approval of $304,462 sits well above the median of $56,000, 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 23.1 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.
Harrison County
Do SBA loans in Harrison County get paid back
- Loans with a final outcome recorded4
- Paid in full4
- Charged off0
- Status: Paid in full4
- Status: Exempt from disclosure6
- Status: Committed, not yet disbursed3
Too few loans have reached a final outcome to publish a charge off rate. only 4 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.
Harrison County
Which parts of Harrison County get the lending
- Places in the county with recorded lending2
- CYNTHIANA, approvals10
- BERRY, approvals3
| Place | Approvals | Gross approval dollars |
|---|---|---|
| CYNTHIANA | 10 | $3,838,000 |
| BERRY | 3 | $120,000 |
CYNTHIANA accounts for 10 approvals against 3 in BERRY. 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.
Harrison County
How big is Harrison County
- Land area306 sq mi
- Rank by land area among Kentucky counties60th of 120
- Width, east to west24.7 mi
- Height, north to south20.6 mi
- Geographies sharing a boundary7
- Residents per square mile of land63
- Establishments per square mile0.97
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 Harrison 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 Harrison County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population19,140
- Households7,293
- Average household size2.62
- Median household income$66,442
- Median age42.1
Common questions
Harrison County questions, answered from the record.
How many people live in Harrison County, Kentucky?
19,140, in 7,293 households, ranking 63rd of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Harrison County growing?
The population has grown 4.45 percent since the 2020 census base. In 2024 there were 265 births against 259 deaths, with net migration of 111. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Harrison County?
$66,442. The median owner-occupied home is valued at $202,100, which is 3.0 times income, and median gross rent is $765 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Harrison County?
297 establishments, employing 4,594 people with an annual payroll of $227.7 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 Harrison County?
Average annual pay is $50,516, or $971 a week, across 5,310 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Harrison County?
13 7(a) approvals totalling $4.0 m since FY2020, across 6 lenders, with a median approval of $56,000, plus 3 504 approvals worth $1.6 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Harrison County?
69 housing units were authorised by permit in 2024, with a declared construction value of $14.4 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Harrison 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 Harrison County come from?
The largest single origin is Harrison County Non-migrants, with 6,710 households. Arriving households report an average income of $51,759 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 Harrison 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 Harrison 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.