McCracken County, Kentucky: commercial real estate data.
McCracken County, Kentucky has a population of 67,564 across 249 square miles, down 0.5 percent since the 2020 census base. County output reached $6.99 bn in 2024, 2,061 establishments operate here, and the SBA record carries 48 7(a) approvals worth $37.1 m.
120 sourced county values · tier FULL · 11 sections
McCracken County
How many people live in McCracken County
- Population67,564
- Households27,601
- Average household size2.45
- Median household income$64,373
- Median age42.3
- Median gross rent$898 per month
- Median owner-occupied home value$188,100
- Home value to household income2.9 times
- Annual rent as a share of median income16.7 percent
- Adults 25 and over with a bachelor degree or higher29.0 percent
- Adults 25 and over with a graduate degree11.4 percent
- Adults 25 and over47,802
- Population under 1814,733
- Share under 1821.8 percent
- Population 65 and over13,825
- Share 65 and over20.5 percent
- Working age population, 18 to 6439,006
- Civilian labor force31,989
- Unemployment rate3.2 percent
- Labor force participation, adults 18 and over60.5 percent
- Rank by population among Kentucky counties13th of 120
- Rank by population among US county-equivalents810th
McCracken County is the 13th 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 21.8 percent against 20.5 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
McCracken County
Is McCracken County growing
- Population change since the 2020 census base-0.48 percent
- Census 2020 base population67,877
- Births, 2024691
- Deaths, 2024876
- Natural change, 2024-185
- Net domestic migration, 2024188
- Net international migration, 202490
- Total net migration, 2024278
- Cumulative net domestic migration, 2021 to 2024589
- Rank by growth among US county-equivalents2015th
The county has lost 0.48 percent of its population since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
McCracken County
Where people moving to McCracken County come from
- Tax returns filed by households arriving1,734
- People arriving, from those returns3,086
- Adjusted gross income arriving$91.3 m
- Net adjusted gross income movement$0
- Average income of an arriving household$52,648
- Largest single originMcCracken County Non-migrants (24,530 households)
- Largest single destination (24,530 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| McCracken County Non-migrants | 24,530 | 49,120 | $1.97 bn |
| Other flows - Different State | 770 | 1,407 | $47.0 m |
| Other flows - South | 320 | 609 | $20.3 m |
| Other flows - Midwest | 300 | 544 | $16.6 m |
| Other flows - Same State | 194 | 306 | $8.8 m |
| Marshall County | 168 | 294 | $7.5 m |
| Graves County | 163 | 293 | $6.9 m |
| Other flows - West | 119 | 200 | $7.5 m |
The largest single source of arrivals is McCracken 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.
McCracken County
What the McCracken County economy runs on
- County GDP, 2024$6.99 bn
- County GDP, 2023$6.73 bn
- GDP change, 2023 to 20243.8 percent
- GDP change over five years52.8 percent
- Rank by GDP among Kentucky counties8th
- Rank by GDP among US county-equivalents586th
- GDP per resident$103,441
Output grew 3.8 percent in the latest year and 52.8 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.
McCracken County
Who employs people in McCracken County
- Covered employment, annual average40,497
- Establishments reporting2,900
- Average annual pay$57,594
- Average weekly wage$1,108
- Sector 62, employment8,111
- Sector 62, average annual pay$68,793
- Sector 44-45, employment5,895
- Sector 44-45, average annual pay$34,040
- Sector 72, employment4,984
- Sector 72, average annual pay$21,205
- Sector 48-49, employment3,300
- Sector 48-49, average annual pay$88,046
- Sector 23, employment2,448
- Sector 54, employment2,212
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 8,111 | 404 | $68,793 |
| Sector 44-45 | 5,895 | 418 | $34,040 |
| Sector 72 | 4,984 | 258 | $21,205 |
| Sector 48-49 | 3,300 | 94 | $88,046 |
| Sector 23 | 2,448 | 229 | $68,456 |
| Sector 54 | 2,212 | 334 | $88,642 |
| Sector 56 | 1,971 | 160 | $50,350 |
| Sector 31-33 | 1,930 | 87 | $64,388 |
The largest sector is the biggest private employer group at 8,111 jobs, 20.0 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.
McCracken County
What businesses operate in McCracken County
- Establishments, all industries2,061
- Employment at those establishments34,581
- Annual payroll$1.86 bn
- Establishments per 1,000 residents30.5
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.
McCracken County
What is being built in McCracken County
- Housing units authorised by permit, 2024187
- Declared construction value permitted$29.6 m
- Single family units authorised71
- Multifamily units authorised116
- Multifamily share of units62.0 percent
- Average declared value per unit$158,397
- Units authorised per 1,000 households6.8
Multifamily is 62.0 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
McCracken County
How much SBA lending happens in McCracken County
- 7(a) approvals recorded48
- 7(a) gross approval dollars$37.1 m
- Average 7(a) approval$772,917
- Median 7(a) approval$280,000
- 10th percentile approval$25,000
- 90th percentile approval$2,500,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)804
- Jobs per approval16.8
- Distinct 7(a) lenders active20
- Distinct industries receiving approvals32
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer16.7 percent
- Loans on real estate terms8
- Loans on working capital terms, 120 months or shorter33
- Franchise loans20
- Franchise share of approvals41.7 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (8)
- Most active lenderThe Paducah Bank and Trust Company (8)
- 504 approvals recorded18
- 504 gross approval dollars$11.2 m
- Average 504 approval$621,778
- Median 504 approval$165,000
- Distinct CDCs active2
- 504 jobs per approval12.8
- 504 jobs per million dollars approved20.6
- Most active CDCPurchase Area Development District (16)
- 7(a) share of SBA approvals72.7 percent
- Combined SBA approval dollars$48.3 m
The average approval of $772,917 sits well above the median of $280,000, 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 16.7 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.
McCracken County
Do SBA loans in McCracken County get paid back
- Loans with a final outcome recorded12
- Paid in full12
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Cancelled7
- Status: Paid in full12
- Status: Exempt from disclosure25
- Status: Committed, not yet disbursed4
Of the 12 loans that have reached a final outcome, 0.0 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.
McCracken County
Which parts of McCracken County get the lending
- Places in the county with recorded lending4
- PADUCAH, approvals45
- WEST PADUCAH, approvals1
- KEVIL, approvals1
- GERMANTOWN, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| PADUCAH | 45 | $34,707,000 |
| WEST PADUCAH | 1 | $150,000 |
| KEVIL | 1 | $325,000 |
| GERMANTOWN | 1 | $1,918,000 |
PADUCAH accounts for 45 approvals against 1 in WEST PADUCAH. 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.
McCracken County
How big is McCracken County
- Land area249 sq mi
- Rank by land area among Kentucky counties84th of 120
- Width, east to west25.3 mi
- Height, north to south19.8 mi
- Geographies sharing a boundary5
- Residents per square mile of land271
- Establishments per square mile8.28
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 McCracken 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 McCracken County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population67,564
- Households27,601
- Average household size2.45
- Median household income$64,373
- Median age42.3
Common questions
McCracken County questions, answered from the record.
How many people live in McCracken County, Kentucky?
67,564, in 27,601 households, ranking 13th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is McCracken County growing?
The population has fallen 0.48 percent since the 2020 census base. In 2024 there were 691 births against 876 deaths, with net migration of 278. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in McCracken County?
$64,373. The median owner-occupied home is valued at $188,100, which is 2.9 times income, and median gross rent is $898 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in McCracken County?
2,061 establishments, employing 34,581 people with an annual payroll of $1.86 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 McCracken County?
Average annual pay is $57,594, or $1,108 a week, across 40,497 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in McCracken County?
48 7(a) approvals totalling $37.1 m since FY2020, across 20 lenders, with a median approval of $280,000, plus 18 504 approvals worth $11.2 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in McCracken County get paid back?
Of the 12 loans that have reached a final outcome, 12 were paid in full and 0 charged off, a charge off rate of 0.0 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in McCracken County?
187 housing units were authorised by permit in 2024, with a declared construction value of $29.6 m. Multifamily was 62.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for McCracken County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to McCracken County come from?
The largest single origin is McCracken County Non-migrants, with 24,530 households. Arriving households report an average income of $52,648 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 McCracken 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 McCracken 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.