Jessamine County, Kentucky: commercial real estate data.
Jessamine County, Kentucky has a population of 54,588 across 172 square miles, up 6.6 percent since the 2020 census base. County output reached $3.05 bn in 2024, 1,353 establishments operate here, and the SBA record carries 44 7(a) approvals worth $16.1 m.
120 sourced county values · tier FULL · 11 sections
Jessamine County
How many people live in Jessamine County
- Population54,588
- Households19,913
- Average household size2.74
- Median household income$74,576
- Median age38.7
- Median gross rent$1,124 per month
- Median owner-occupied home value$268,100
- Home value to household income3.6 times
- Annual rent as a share of median income18.1 percent
- Adults 25 and over with a bachelor degree or higher33.5 percent
- Adults 25 and over with a graduate degree14.5 percent
- Adults 25 and over36,672
- Population under 1812,966
- Share under 1823.8 percent
- Population 65 and over8,878
- Share 65 and over16.3 percent
- Working age population, 18 to 6432,744
- Civilian labor force26,527
- Unemployment rate3.1 percent
- Labor force participation, adults 18 and over63.7 percent
- Rank by population among Kentucky counties18th of 120
- Rank by population among US county-equivalents954th
Jessamine County is the 18th largest of 120 Kentucky counties by population. A median home costs 3.6 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 16.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Jessamine County
Is Jessamine County growing
- Population change since the 2020 census base6.63 percent
- Census 2020 base population52,983
- Births, 2024617
- Deaths, 2024536
- Natural change, 202481
- Net domestic migration, 2024282
- Net international migration, 2024616
- Total net migration, 2024898
- Cumulative net domestic migration, 2021 to 20241,951
- Rank by growth among US county-equivalents336th
The county has grown 6.63 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.
Jessamine County
Where people moving to Jessamine County come from
- Tax returns filed by households arriving1,866
- People arriving, from those returns3,517
- Adjusted gross income arriving$134.0 m
- Net adjusted gross income movement$0
- Average income of an arriving household$71,831
- Largest single originJessamine County Non-migrants (18,313 households)
- Largest single destination (18,313 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Jessamine County Non-migrants | 18,313 | 39,877 | $1.76 bn |
| Fayette County | 796 | 1,505 | $61.8 m |
| Other flows - Different State | 528 | 1,035 | $44.6 m |
| Other flows - South | 235 | 439 | $18.6 m |
| Other flows - Same State | 227 | 389 | $12.9 m |
| Other flows - Midwest | 135 | 235 | $13.7 m |
| Other flows - West | 111 | 265 | $9.0 m |
| Garrard County | 65 | 139 | $4.2 m |
The largest single source of arrivals is Jessamine 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.
Jessamine County
What the Jessamine County economy runs on
- County GDP, 2024$3.05 bn
- County GDP, 2023$2.84 bn
- GDP change, 2023 to 20247.2 percent
- GDP change over five years39.5 percent
- Rank by GDP among Kentucky counties16th
- Rank by GDP among US county-equivalents968th
- GDP per resident$55,879
Output grew 7.2 percent in the latest year and 39.5 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.
Jessamine County
Who employs people in Jessamine County
- Covered employment, annual average18,660
- Establishments reporting1,973
- Average annual pay$54,048
- Average weekly wage$1,039
- Sector 44-45, employment2,875
- Sector 44-45, average annual pay$40,533
- Sector 31-33, employment2,274
- Sector 31-33, average annual pay$73,458
- Sector 72, employment1,906
- Sector 72, average annual pay$22,353
- Sector 62, employment1,609
- Sector 62, average annual pay$52,441
- Sector 23, employment1,532
- Sector 42, employment1,212
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 2,875 | 191 | $40,533 |
| Sector 31-33 | 2,274 | 106 | $73,458 |
| Sector 72 | 1,906 | 112 | $22,353 |
| Sector 62 | 1,609 | 214 | $52,441 |
| Sector 23 | 1,532 | 245 | $63,929 |
| Sector 42 | 1,212 | 94 | $84,217 |
| Sector 61 | 732 | 40 | $40,568 |
| Sector 56 | 681 | 108 | $63,683 |
The largest sector is the biggest private employer group at 2,875 jobs, 15.4 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.
Jessamine County
What businesses operate in Jessamine County
- Establishments, all industries1,353
- Employment at those establishments16,395
- Annual payroll$802.8 m
- Establishments per 1,000 residents24.8
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.
Jessamine County
What is being built in Jessamine County
- Housing units authorised by permit, 2024267
- Declared construction value permitted$123.0 m
- Single family units authorised248
- Multifamily units authorised19
- Multifamily share of units7.1 percent
- Average declared value per unit$460,605
- Units authorised per 1,000 households13.4
Multifamily is 7.1 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Jessamine County
How much SBA lending happens in Jessamine County
- 7(a) approvals recorded44
- 7(a) gross approval dollars$16.1 m
- Average 7(a) approval$366,350
- Median 7(a) approval$158,500
- 10th percentile approval$25,000
- 90th percentile approval$850,000
- Largest single approval$2,473,800
- Jobs reported supported, 7(a)332
- Jobs per approval7.5
- Distinct 7(a) lenders active19
- Distinct industries receiving approvals29
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer9.1 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter39
- Franchise loans3
- Franchise share of approvals6.8 percent
- Leading industry by approval countGeneral Freight Trucking, Local (7)
- Most active lenderRepublic Bank & Trust Company (10)
- 504 approvals recorded20
- 504 gross approval dollars$15.5 m
- Average 504 approval$775,200
- Median 504 approval$517,000
- Distinct CDCs active5
- 504 jobs per approval7.6
- 504 jobs per million dollars approved9.8
- Most active CDCCommunity Ventures Corporation (11)
- 7(a) share of SBA approvals68.8 percent
- Combined SBA approval dollars$31.6 m
The average approval of $366,350 sits well above the median of $158,500, 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 9.1 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.
Jessamine County
Do SBA loans in Jessamine County get paid back
- Loans with a final outcome recorded15
- Paid in full14
- Charged off1
- Charge off rate on resolved loans6.7 percent
- Status: Paid in full14
- Status: Exempt from disclosure24
- Status: Charged off1
- Status: Cancelled3
- Status: Committed, not yet disbursed2
Of the 15 loans that have reached a final outcome, 6.7 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Jessamine County
Which parts of Jessamine County get the lending
- Places in the county with recorded lending3
- NICHOLASVILLE, approvals42
- VERSAILLES, approvals1
- WILMORE, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| NICHOLASVILLE | 42 | $16,045,400 |
| VERSAILLES | 1 | $24,000 |
| WILMORE | 1 | $50,000 |
NICHOLASVILLE accounts for 42 approvals against 1 in VERSAILLES. 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.
Jessamine County
How big is Jessamine County
- Land area172 sq mi
- Rank by land area among Kentucky counties113th of 120
- Width, east to west15.7 mi
- Height, north to south19 mi
- Geographies sharing a boundary5
- Residents per square mile of land317
- Establishments per square mile7.87
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 Jessamine 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 Jessamine County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population54,588
- Households19,913
- Average household size2.74
- Median household income$74,576
- Median age38.7
Common questions
Jessamine County questions, answered from the record.
How many people live in Jessamine County, Kentucky?
54,588, in 19,913 households, ranking 18th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Jessamine County growing?
The population has grown 6.63 percent since the 2020 census base. In 2024 there were 617 births against 536 deaths, with net migration of 898. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Jessamine County?
$74,576. The median owner-occupied home is valued at $268,100, which is 3.6 times income, and median gross rent is $1,124 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Jessamine County?
1,353 establishments, employing 16,395 people with an annual payroll of $802.8 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 Jessamine County?
Average annual pay is $54,048, or $1,039 a week, across 18,660 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Jessamine County?
44 7(a) approvals totalling $16.1 m since FY2020, across 19 lenders, with a median approval of $158,500, plus 20 504 approvals worth $15.5 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Jessamine County get paid back?
Of the 15 loans that have reached a final outcome, 14 were paid in full and 1 charged off, a charge off rate of 6.7 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Jessamine County?
267 housing units were authorised by permit in 2024, with a declared construction value of $123.0 m. Multifamily was 7.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Jessamine 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 Jessamine County come from?
The largest single origin is Jessamine County Non-migrants, with 18,313 households. Arriving households report an average income of $71,831 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 Jessamine 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 Jessamine 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.