Oldham County, Kentucky: commercial real estate data.
Oldham County, Kentucky has a population of 69,257 across 187 square miles, up 4.3 percent since the 2020 census base. County output reached $3.01 bn in 2024, 1,404 establishments operate here, and the SBA record carries 68 7(a) approvals worth $53.0 m.
122 sourced county values · tier FULL · 11 sections
Oldham County
How many people live in Oldham County
- Population69,257
- Households23,025
- Average household size3.01
- Median household income$122,497
- Median age39.9
- Median gross rent$1,219 per month
- Median owner-occupied home value$393,100
- Home value to household income3.2 times
- Annual rent as a share of median income11.9 percent
- Adults 25 and over with a bachelor degree or higher46.4 percent
- Adults 25 and over with a graduate degree20.0 percent
- Adults 25 and over46,361
- Population under 1817,135
- Share under 1824.7 percent
- Population 65 and over10,096
- Share 65 and over14.6 percent
- Working age population, 18 to 6442,026
- Civilian labor force34,787
- Unemployment rate3.5 percent
- Labor force participation, adults 18 and over66.7 percent
- Rank by population among Kentucky counties12th of 120
- Rank by population among US county-equivalents792nd
Oldham County is the 12th largest of 120 Kentucky counties by population. A median home costs 3.2 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 24.7 percent against 14.6 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Oldham County
Is Oldham County growing
- Population change since the 2020 census base4.31 percent
- Census 2020 base population67,608
- Births, 2024566
- Deaths, 2024506
- Natural change, 202460
- Net domestic migration, 2024-28
- Net international migration, 2024191
- Total net migration, 2024163
- Cumulative net domestic migration, 2021 to 20242,179
- Rank by growth among US county-equivalents639th
The county has grown 4.31 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.
Oldham County
Where people moving to Oldham County come from
- Tax returns filed by households arriving2,025
- People arriving, from those returns4,306
- Adjusted gross income arriving$283.2 m
- Net adjusted gross income movement$0
- Average income of an arriving household$139,873
- Largest single originOldham County Non-migrants (22,531 households)
- Largest single destination (22,531 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Oldham County Non-migrants | 22,531 | 54,257 | $3.36 bn |
| Jefferson County | 998 | 2,175 | $180.6 m |
| Other flows - Different State | 583 | 1,319 | $73.8 m |
| Other flows - South | 237 | 572 | $24.8 m |
| Other flows - Same State | 186 | 309 | $10.8 m |
| Other flows - Midwest | 178 | 380 | $20.5 m |
| Other flows - West | 120 | 282 | $13.3 m |
| Henry County | 78 | 160 | $5.1 m |
The largest single source of arrivals is Oldham 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.
Oldham County
What the Oldham County economy runs on
- County GDP, 2024$3.01 bn
- County GDP, 2023$2.68 bn
- GDP change, 2023 to 202412.6 percent
- GDP change over five years55.1 percent
- Rank by GDP among Kentucky counties18th
- Rank by GDP among US county-equivalents976th
- GDP per resident$43,481
Output grew 12.6 percent in the latest year and 55.1 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.
Oldham County
Who employs people in Oldham County
- Covered employment, annual average17,474
- Establishments reporting2,480
- Average annual pay$68,157
- Average weekly wage$1,311
- Sector 62, employment2,389
- Sector 62, average annual pay$58,038
- Sector 52, employment1,912
- Sector 52, average annual pay$114,747
- Sector 44-45, employment1,885
- Sector 44-45, average annual pay$38,148
- Sector 31-33, employment1,774
- Sector 31-33, average annual pay$96,179
- Sector 72, employment1,412
- Sector 23, employment1,275
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 2,389 | 250 | $58,038 |
| Sector 52 | 1,912 | 144 | $114,747 |
| Sector 44-45 | 1,885 | 156 | $38,148 |
| Sector 31-33 | 1,774 | 137 | $96,179 |
| Sector 72 | 1,412 | 108 | $24,811 |
| Sector 23 | 1,275 | 252 | $69,245 |
| Sector 54 | 839 | 476 | $126,838 |
| Sector 56 | 620 | 155 | $56,395 |
The largest sector is the biggest private employer group at 2,389 jobs, 13.7 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.
Oldham County
What businesses operate in Oldham County
- Establishments, all industries1,404
- Employment at those establishments14,369
- Annual payroll$775.1 m
- Establishments per 1,000 residents20.3
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.
Oldham County
What is being built in Oldham County
- Housing units authorised by permit, 2024402
- Declared construction value permitted$128.0 m
- Single family units authorised346
- Multifamily units authorised56
- Multifamily share of units13.9 percent
- Average declared value per unit$318,293
- Units authorised per 1,000 households17.5
Multifamily is 13.9 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Oldham County
How much SBA lending happens in Oldham County
- 7(a) approvals recorded68
- 7(a) gross approval dollars$53.0 m
- Average 7(a) approval$778,922
- Median 7(a) approval$315,000
- 10th percentile approval$50,000
- 90th percentile approval$2,000,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)551
- Jobs per approval8.1
- Distinct 7(a) lenders active28
- Distinct industries receiving approvals37
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer26.5 percent
- Loans on real estate terms18
- Loans on working capital terms, 120 months or shorter48
- Franchise loans12
- Franchise share of approvals17.6 percent
- Leading industry by approval countAll Other Specialty Trade Contractors (7)
- Most active lenderStock Yards Bank & Trust Company (10)
- 504 approvals recorded12
- 504 gross approval dollars$7.8 m
- Average 504 approval$649,917
- Median 504 approval$461,000
- Distinct CDCs active4
- 504 jobs per approval9.7
- 504 jobs per million dollars approved14.9
- Most active CDCCapital Access Corporation - Kentucky (6)
- 7(a) share of SBA approvals85.0 percent
- Combined SBA approval dollars$60.8 m
The average approval of $778,922 sits well above the median of $315,000, 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 26.5 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.
Oldham County
Do SBA loans in Oldham County get paid back
- Loans with a final outcome recorded16
- Paid in full16
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Paid in full16
- Status: Exempt from disclosure38
- Status: Cancelled12
- Status: Committed, not yet disbursed2
Of the 16 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.
Oldham County
Which parts of Oldham County get the lending
- Places in the county with recorded lending9
- La Grange, approvals27
- Crestwood, approvals19
- GOSHEN, approvals6
- BUCKNER, approvals5
- PEWEE VALLEY, approvals4
- PROSPECT, approvals3
| Place | Approvals | Gross approval dollars |
|---|---|---|
| La Grange | 27 | $28,239,500 |
| Crestwood | 19 | $8,991,900 |
| GOSHEN | 6 | $6,257,600 |
| BUCKNER | 5 | $4,288,100 |
| PEWEE VALLEY | 4 | $1,960,600 |
| PROSPECT | 3 | $1,429,700 |
| LOUISVILLE | 2 | $410,800 |
| LaGrange | 1 | $1,075,000 |
La Grange accounts for 27 approvals against 19 in Crestwood. 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.
Oldham County
How big is Oldham County
- Land area187 sq mi
- Rank by land area among Kentucky counties109th of 120
- Width, east to west19.2 mi
- Height, north to south16.5 mi
- Geographies sharing a boundary4
- Residents per square mile of land370
- Establishments per square mile7.51
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 Oldham 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 Oldham County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population69,257
- Households23,025
- Average household size3.01
- Median household income$122,497
- Median age39.9
Common questions
Oldham County questions, answered from the record.
How many people live in Oldham County, Kentucky?
69,257, in 23,025 households, ranking 12th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Oldham County growing?
The population has grown 4.31 percent since the 2020 census base. In 2024 there were 566 births against 506 deaths, with net migration of 163. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Oldham County?
$122,497. The median owner-occupied home is valued at $393,100, which is 3.2 times income, and median gross rent is $1,219 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Oldham County?
1,404 establishments, employing 14,369 people with an annual payroll of $775.1 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 Oldham County?
Average annual pay is $68,157, or $1,311 a week, across 17,474 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Oldham County?
68 7(a) approvals totalling $53.0 m since FY2020, across 28 lenders, with a median approval of $315,000, plus 12 504 approvals worth $7.8 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Oldham County get paid back?
Of the 16 loans that have reached a final outcome, 16 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 Oldham County?
402 housing units were authorised by permit in 2024, with a declared construction value of $128.0 m. Multifamily was 13.9 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Oldham County?
Zone 2, a predicted average indoor radon screening level from 2 to 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 Oldham County come from?
The largest single origin is Oldham County Non-migrants, with 22,531 households. Arriving households report an average income of $139,873 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 Oldham 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 Oldham 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.