Metcalfe County, Kentucky: commercial real estate data.
Metcalfe County, Kentucky has a population of 10,425 across 290 square miles, up 2.6 percent since the 2020 census base. County output reached $254.0 m in 2024, 118 establishments operate here, and the SBA record carries 1 7(a) approvals worth $1.4 m.
94 sourced county values · tier FULL · 9 sections
Metcalfe County
How many people live in Metcalfe County
- Population10,425
- Households4,100
- Average household size2.54
- Median household income$51,473
- Median age42.0
- Median gross rent$582 per month
- Median owner-occupied home value$110,200
- Home value to household income2.1 times
- Annual rent as a share of median income13.6 percent
- Adults 25 and over with a bachelor degree or higher13.0 percent
- Adults 25 and over with a graduate degree6.1 percent
- Adults 25 and over7,211
- Population under 182,456
- Share under 1823.6 percent
- Population 65 and over1,990
- Share 65 and over19.1 percent
- Working age population, 18 to 645,979
- Civilian labor force4,436
- Unemployment rate4.9 percent
- Labor force participation, adults 18 and over55.7 percent
- Rank by population among Kentucky counties98th of 120
- Rank by population among US county-equivalents2456th
Metcalfe County is the 98th largest of 120 Kentucky counties by population. A median home costs 2.1 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 23.6 percent against 19.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Metcalfe County
Is Metcalfe County growing
- Population change since the 2020 census base2.64 percent
- Census 2020 base population10,286
- Births, 2024118
- Deaths, 2024148
- Natural change, 2024-30
- Net domestic migration, 202438
- Net international migration, 202455
- Total net migration, 202493
- Cumulative net domestic migration, 2021 to 2024349
- Rank by growth among US county-equivalents966th
The county has grown 2.64 percent 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.
Metcalfe County
Where people moving to Metcalfe County come from
- Tax returns filed by households arriving228
- People arriving, from those returns465
- Adjusted gross income arriving$8.1 m
- Net adjusted gross income movement$0
- Average income of an arriving household$35,421
- Largest single originMetcalfe County Non-migrants (3,319 households)
- Largest single destination (3,319 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Metcalfe County Non-migrants | 3,319 | 7,286 | $146.1 m |
| Other flows - Same State | 92 | 182 | $2.2 m |
| Barren County | 75 | 166 | $3.0 m |
| Other flows - Different State | 61 | 117 | $2.9 m |
| Other flows - South | 41 | 82 | $1.7 m |
| Other flows - Midwest | 20 | 35 | $1.1 m |
The largest single source of arrivals is Metcalfe 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.
Metcalfe County
What the Metcalfe County economy runs on
- County GDP, 2024$254.0 m
- County GDP, 2023$236.0 m
- GDP change, 2023 to 20247.7 percent
- GDP change over five years38.8 percent
- Rank by GDP among Kentucky counties104th
- Rank by GDP among US county-equivalents2798th
- GDP per resident$24,365
Output grew 7.7 percent in the latest year and 38.8 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.
Metcalfe County
Who employs people in Metcalfe County
- Covered employment, annual average2,174
- Establishments reporting258
- Average annual pay$44,358
- Average weekly wage$853
- Sector 62, employment570
- Sector 62, average annual pay$37,400
- Sector 31-33, employment489
- Sector 31-33, average annual pay$60,930
- Sector 44-45, employment158
- Sector 44-45, average annual pay$28,925
- Sector 48-49, employment68
- Sector 48-49, average annual pay$30,356
- Sector 52, employment44
- Sector 81, employment37
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 570 | 58 | $37,400 |
| Sector 31-33 | 489 | 19 | $60,930 |
| Sector 44-45 | 158 | 27 | $28,925 |
| Sector 48-49 | 68 | 11 | $30,356 |
| Sector 52 | 44 | 14 | $49,700 |
| Sector 81 | 37 | 7 | $46,412 |
| Sector 54 | 31 | 30 | $67,178 |
| Sector 42 | 24 | 11 | $66,711 |
The largest sector is the biggest private employer group at 570 jobs, 26.2 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.
Metcalfe County
What businesses operate in Metcalfe County
- Establishments, all industries118
- Employment at those establishments1,234
- Annual payroll$53.6 m
- Establishments per 1,000 residents11.3
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.
Metcalfe County
How much SBA lending happens in Metcalfe County
- 7(a) approvals recorded1
- 7(a) gross approval dollars$1.4 m
- Average 7(a) approval$1,402,000
- Median 7(a) approval$1,402,000
- 10th percentile approval$1,402,000
- 90th percentile approval$1,402,000
- Largest single approval$1,402,000
- Jobs reported supported, 7(a)4
- Jobs per approval4.0
- Distinct 7(a) lenders active1
- Distinct industries receiving approvals1
- Median 7(a) term240 months
- Share of loans on real estate terms, 240 months or longer100.0 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter0
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countBroilers and Other Meat Type Chicken Production (1)
- Most active lenderFirst Financial Bank (1)
The average approval of $1,402,000 sits close to the median of $1,402,000, so lending here is fairly evenly sized rather than driven by a few large deals. 100.0 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Metcalfe County
Do SBA loans in Metcalfe County get paid back
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure1
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.
Metcalfe County
How big is Metcalfe County
- Land area290 sq mi
- Rank by land area among Kentucky counties68th of 120
- Width, east to west16.1 mi
- Height, north to south25.2 mi
- Geographies sharing a boundary6
- Residents per square mile of land36
- Establishments per square mile0.41
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 504 approvals recorded in this county in the FOIA release covering FY2010 onward.
- The Building Permits Survey does not carry a 2024 record for this county.
- 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 Metcalfe 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 Metcalfe County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population10,425
- Households4,100
- Average household size2.54
- Median household income$51,473
- Median age42.0
Common questions
Metcalfe County questions, answered from the record.
How many people live in Metcalfe County, Kentucky?
10,425, in 4,100 households, ranking 98th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Metcalfe County growing?
The population has grown 2.64 percent since the 2020 census base. In 2024 there were 118 births against 148 deaths, with net migration of 93. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Metcalfe County?
$51,473. The median owner-occupied home is valued at $110,200, which is 2.1 times income, and median gross rent is $582 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Metcalfe County?
118 establishments, employing 1,234 people with an annual payroll of $53.6 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 Metcalfe County?
Average annual pay is $44,358, or $853 a week, across 2,174 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Metcalfe County?
1 7(a) approvals totalling $1.4 m since FY2020, across 1 lenders, with a median approval of $1,402,000. These are approvals recorded in the release, not loans disbursed.
What is the radon zone for Metcalfe 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 Metcalfe County come from?
The largest single origin is Metcalfe County Non-migrants, with 3,319 households. Arriving households report an average income of $35,421 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 Metcalfe 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 Metcalfe 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.