Hart County, Kentucky: commercial real estate data.
Hart County, Kentucky has a population of 19,603 across 412 square miles, up 3.3 percent since the 2020 census base. County output reached $843.3 m in 2024, 276 establishments operate here, and the SBA record carries 1 7(a) approvals worth $47,900.
111 sourced county values · tier FULL · 10 sections
Hart County
How many people live in Hart County
- Population19,603
- Households7,376
- Average household size2.66
- Median household income$52,285
- Median age40.4
- Median gross rent$693 per month
- Median owner-occupied home value$146,000
- Home value to household income2.8 times
- Annual rent as a share of median income15.9 percent
- Adults 25 and over with a bachelor degree or higher12.2 percent
- Adults 25 and over with a graduate degree4.7 percent
- Adults 25 and over13,327
- Population under 184,782
- Share under 1824.4 percent
- Population 65 and over3,449
- Share 65 and over17.6 percent
- Working age population, 18 to 6411,372
- Civilian labor force8,103
- Unemployment rate3.8 percent
- Labor force participation, adults 18 and over54.7 percent
- Rank by population among Kentucky counties61st of 120
- Rank by population among US county-equivalents1905th
Hart County is the 61st largest of 120 Kentucky counties by population. A median home costs 2.8 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 24.4 percent against 17.6 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Hart County
Is Hart County growing
- Population change since the 2020 census base3.30 percent
- Census 2020 base population19,286
- Births, 2024258
- Deaths, 2024223
- Natural change, 202435
- Net domestic migration, 2024163
- Net international migration, 2024-1
- Total net migration, 2024162
- Cumulative net domestic migration, 2021 to 2024653
- Rank by growth among US county-equivalents810th
The county has grown 3.30 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.
Hart County
Where people moving to Hart County come from
- Tax returns filed by households arriving437
- People arriving, from those returns837
- Adjusted gross income arriving$17.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$40,471
- Largest single originHart County Non-migrants (6,174 households)
- Largest single destination (6,174 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Hart County Non-migrants | 6,174 | 13,880 | $325.1 m |
| Barren County | 107 | 211 | $3.7 m |
| Other flows - Same State | 100 | 184 | $4.0 m |
| Other flows - Different State | 78 | 147 | $3.0 m |
| Hardin County | 57 | 104 | $2.6 m |
| Other flows - South | 52 | 97 | $2.0 m |
| Jefferson County | 35 | 68 | $1.8 m |
| Larue County | 31 | 67 | $1.5 m |
The largest single source of arrivals is Hart 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.
Hart County
What the Hart County economy runs on
- County GDP, 2024$843.3 m
- County GDP, 2023$801.4 m
- GDP change, 2023 to 20245.2 percent
- GDP change over five years39.8 percent
- Rank by GDP among Kentucky counties54th
- Rank by GDP among US county-equivalents1993rd
- GDP per resident$43,019
Output grew 5.2 percent in the latest year and 39.8 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.
Hart County
Who employs people in Hart County
- Covered employment, annual average5,269
- Establishments reporting417
- Average annual pay$52,189
- Average weekly wage$1,004
- Sector 31-33, employment2,590
- Sector 31-33, average annual pay$62,132
- Sector 44-45, employment434
- Sector 44-45, average annual pay$30,428
- Sector 72, employment322
- Sector 72, average annual pay$21,289
- Sector 52, employment82
- Sector 52, average annual pay$49,477
- Sector 81, employment67
- Sector 71, employment46
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 2,590 | 28 | $62,132 |
| Sector 44-45 | 434 | 74 | $30,428 |
| Sector 72 | 322 | 22 | $21,289 |
| Sector 52 | 82 | 18 | $49,477 |
| Sector 81 | 67 | 20 | $26,172 |
| Sector 71 | 46 | 4 | $25,820 |
| Sector 54 | 39 | 30 | $52,294 |
| Sector 51 | 27 | 8 | $39,079 |
The largest sector is the biggest private employer group at 2,590 jobs, 49.2 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.
Hart County
What businesses operate in Hart County
- Establishments, all industries276
- Employment at those establishments4,073
- Annual payroll$194.4 m
- Establishments per 1,000 residents14.1
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.
Hart County
What is being built in Hart County
- Housing units authorised by permit, 202479
- Declared construction value permitted$8.5 m
- Single family units authorised19
- Multifamily units authorised60
- Multifamily share of units75.9 percent
- Average declared value per unit$107,240
- Units authorised per 1,000 households10.7
Multifamily is 75.9 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Hart County
How much SBA lending happens in Hart County
- 7(a) approvals recorded1
- 7(a) gross approval dollars$47,900
- Average 7(a) approval$47,900
- Median 7(a) approval$47,900
- 10th percentile approval$47,900
- 90th percentile approval$47,900
- Largest single approval$47,900
- Jobs reported supported, 7(a)1
- Jobs per approval1.0
- Distinct 7(a) lenders active1
- Distinct industries receiving approvals1
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer0.0 percent
- Loans on real estate terms0
- Loans on working capital terms, 120 months or shorter1
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countOffices of Mental Health Practitioners (except Physicians) (1)
- Most active lenderNortheast Bank (1)
- 504 approvals recorded1
- 504 gross approval dollars$401,000
- Average 504 approval$401,000
- Median 504 approval$401,000
- Distinct CDCs active1
- 504 jobs per approval5.0
- 504 jobs per million dollars approved12.5
- Most active CDCCapital Access Corporation - Kentucky (1)
- 7(a) share of SBA approvals50.0 percent
- Combined SBA approval dollars$448,900
The average approval of $47,900 sits close to the median of $47,900, so lending here is fairly evenly sized rather than driven by a few large deals. Only 0.0 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.
Hart County
Do SBA loans in Hart County get paid back
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Cancelled1
Too few loans have reached a final outcome to publish a charge off rate. only 0 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.
Hart County
How big is Hart County
- Land area412 sq mi
- Rank by land area among Kentucky counties30th of 120
- Width, east to west27.5 mi
- Height, north to south20.8 mi
- Geographies sharing a boundary7
- Residents per square mile of land48
- Establishments per square mile0.67
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 Hart 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 Hart County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population19,603
- Households7,376
- Average household size2.66
- Median household income$52,285
- Median age40.4
Common questions
Hart County questions, answered from the record.
How many people live in Hart County, Kentucky?
19,603, in 7,376 households, ranking 61st of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Hart County growing?
The population has grown 3.30 percent since the 2020 census base. In 2024 there were 258 births against 223 deaths, with net migration of 162. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Hart County?
$52,285. The median owner-occupied home is valued at $146,000, which is 2.8 times income, and median gross rent is $693 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Hart County?
276 establishments, employing 4,073 people with an annual payroll of $194.4 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 Hart County?
Average annual pay is $52,189, or $1,004 a week, across 5,269 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Hart County?
1 7(a) approvals totalling $47,900 since FY2020, across 1 lenders, with a median approval of $47,900, plus 1 504 approvals worth $401,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Hart County?
79 housing units were authorised by permit in 2024, with a declared construction value of $8.5 m. Multifamily was 75.9 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Hart 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 Hart County come from?
The largest single origin is Hart County Non-migrants, with 6,174 households. Arriving households report an average income of $40,471 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 Hart 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 Hart 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.