Owen County, Kentucky: commercial real estate data.
Owen County, Kentucky has a population of 11,330 across 351 square miles, up 1.5 percent since the 2020 census base. County output reached $262.7 m in 2024, 133 establishments operate here, and the SBA record carries 4 7(a) approvals worth $5.2 m.
103 sourced county values · tier FULL · 10 sections
Owen County
How many people live in Owen County
- Population11,330
- Households4,252
- Average household size2.66
- Median household income$61,134
- Median age42.3
- Median gross rent$830 per month
- Median owner-occupied home value$168,700
- Home value to household income2.8 times
- Annual rent as a share of median income16.3 percent
- Adults 25 and over with a bachelor degree or higher18.3 percent
- Adults 25 and over with a graduate degree5.3 percent
- Adults 25 and over7,898
- Population under 182,499
- Share under 1822.1 percent
- Population 65 and over2,272
- Share 65 and over20.1 percent
- Working age population, 18 to 646,559
- Civilian labor force5,298
- Unemployment rate7.0 percent
- Labor force participation, adults 18 and over60.0 percent
- Rank by population among Kentucky counties94th of 120
- Rank by population among US county-equivalents2397th
Owen County is the 94th 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 22.1 percent against 20.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Owen County
Is Owen County growing
- Population change since the 2020 census base1.48 percent
- Census 2020 base population11,268
- Births, 2024105
- Deaths, 2024141
- Natural change, 2024-36
- Net domestic migration, 2024154
- Net international migration, 20249
- Total net migration, 2024163
- Cumulative net domestic migration, 2021 to 2024325
- Rank by growth among US county-equivalents1341st
The county has grown 1.48 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.
Owen County
Where people moving to Owen County come from
- Tax returns filed by households arriving289
- People arriving, from those returns603
- Adjusted gross income arriving$15.4 m
- Net adjusted gross income movement$0
- Average income of an arriving household$53,377
- Largest single originOwen County Non-migrants (3,678 households)
- Largest single destination (3,678 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Owen County Non-migrants | 3,678 | 8,088 | $220.8 m |
| Other flows - Same State | 89 | 191 | $4.4 m |
| Other flows - Different State | 61 | 122 | $5.0 m |
| Other flows - Midwest | 38 | 74 | $2.8 m |
| Boone County | 34 | 63 | $1.7 m |
| Franklin County | 31 | 74 | $1.3 m |
| Grant County | 28 | 68 | $1.0 m |
| Scott County | 24 | 44 | $1.3 m |
The largest single source of arrivals is Owen 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.
Owen County
What the Owen County economy runs on
- County GDP, 2024$262.7 m
- County GDP, 2023$241.8 m
- GDP change, 2023 to 20248.7 percent
- GDP change over five years43.7 percent
- Rank by GDP among Kentucky counties102nd
- Rank by GDP among US county-equivalents2782nd
- GDP per resident$23,188
Output grew 8.7 percent in the latest year and 43.7 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.
Owen County
Who employs people in Owen County
- Covered employment, annual average1,540
- Establishments reporting182
- Average annual pay$50,249
- Average weekly wage$966
- Sector 42, employment193
- Sector 42, average annual pay$82,571
- Sector 44-45, employment188
- Sector 44-45, average annual pay$28,352
- Sector 31-33, employment85
- Sector 31-33, average annual pay$69,731
- Sector 23, employment33
- Sector 23, average annual pay$69,296
- Sector 54, employment28
- Sector 81, employment28
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 42 | 193 | 7 | $82,571 |
| Sector 44-45 | 188 | 31 | $28,352 |
| Sector 31-33 | 85 | 5 | $69,731 |
| Sector 23 | 33 | 11 | $69,296 |
| Sector 54 | 28 | 16 | $70,033 |
| Sector 81 | 28 | 10 | $30,027 |
| Sector 11 | 20 | 5 | $35,702 |
| Sector 51 | 6 | 7 | $52,515 |
The largest sector is the biggest private employer group at 193 jobs, 12.5 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.
Owen County
What businesses operate in Owen County
- Establishments, all industries133
- Employment at those establishments969
- Annual payroll$39.9 m
- Establishments per 1,000 residents11.7
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.
Owen County
What is being built in Owen County
- Housing units authorised by permit, 202418
- Declared construction value permitted$4.9 m
- Single family units authorised18
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$273,698
- Units authorised per 1,000 households4.2
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Owen County
How much SBA lending happens in Owen County
- 7(a) approvals recorded4
- 7(a) gross approval dollars$5.2 m
- Average 7(a) approval$1,303,100
- Median 7(a) approval$108,300
- 10th percentile approval$20,000
- 90th percentile approval$5,000,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)239
- Jobs per approval59.8
- Distinct 7(a) lenders active4
- Distinct industries receiving approvals4
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer25.0 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter3
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countAll Other Miscellaneous Food Manufacturing (1)
- Most active lenderGeneral Electric Credit Union (1)
The average approval of $1,303,100 sits well above the median of $108,300, 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 25.0 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.
Owen County
Do SBA loans in Owen County get paid back
- Loans with a final outcome recorded2
- Paid in full2
- Charged off0
- Status: Paid in full2
- Status: Exempt from disclosure1
- Status: Cancelled1
Too few loans have reached a final outcome to publish a charge off rate. only 2 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.
Owen County
How big is Owen County
- Land area351 sq mi
- Rank by land area among Kentucky counties44th of 120
- Width, east to west26.7 mi
- Height, north to south25.4 mi
- Geographies sharing a boundary6
- Residents per square mile of land32
- Establishments per square mile0.38
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.
- 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 Owen 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 Owen County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population11,330
- Households4,252
- Average household size2.66
- Median household income$61,134
- Median age42.3
Common questions
Owen County questions, answered from the record.
How many people live in Owen County, Kentucky?
11,330, in 4,252 households, ranking 94th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Owen County growing?
The population has grown 1.48 percent since the 2020 census base. In 2024 there were 105 births against 141 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 Owen County?
$61,134. The median owner-occupied home is valued at $168,700, which is 2.8 times income, and median gross rent is $830 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Owen County?
133 establishments, employing 969 people with an annual payroll of $39.9 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 Owen County?
Average annual pay is $50,249, or $966 a week, across 1,540 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Owen County?
4 7(a) approvals totalling $5.2 m since FY2020, across 4 lenders, with a median approval of $108,300. These are approvals recorded in the release, not loans disbursed.
What is being built in Owen County?
18 housing units were authorised by permit in 2024, with a declared construction value of $4.9 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Owen 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 Owen County come from?
The largest single origin is Owen County Non-migrants, with 3,678 households. Arriving households report an average income of $53,377 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 Owen 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 Owen 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.