Pulaski County, Kentucky: commercial real estate data.
Pulaski County, Kentucky has a population of 65,897 across 658 square miles, up 2.8 percent since the 2020 census base. County output reached $3.03 bn in 2024, 1,454 establishments operate here, and the SBA record carries 25 7(a) approvals worth $7.6 m.
120 sourced county values · tier FULL · 11 sections
Pulaski County
How many people live in Pulaski County
- Population65,897
- Households26,210
- Average household size2.51
- Median household income$51,898
- Median age42.3
- Median gross rent$803 per month
- Median owner-occupied home value$166,900
- Home value to household income3.2 times
- Annual rent as a share of median income18.6 percent
- Adults 25 and over with a bachelor degree or higher18.1 percent
- Adults 25 and over with a graduate degree7.9 percent
- Adults 25 and over46,570
- Population under 1814,636
- Share under 1822.2 percent
- Population 65 and over12,825
- Share 65 and over19.5 percent
- Working age population, 18 to 6438,436
- Civilian labor force27,808
- Unemployment rate4.9 percent
- Labor force participation, adults 18 and over54.2 percent
- Rank by population among Kentucky counties14th of 120
- Rank by population among US county-equivalents832nd
Pulaski County is the 14th 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 22.2 percent against 19.5 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Pulaski County
Is Pulaski County growing
- Population change since the 2020 census base2.78 percent
- Census 2020 base population65,032
- Births, 2024666
- Deaths, 2024937
- Natural change, 2024-271
- Net domestic migration, 2024797
- Net international migration, 202499
- Total net migration, 2024896
- Cumulative net domestic migration, 2021 to 20242,711
- Rank by growth among US county-equivalents930th
The county has grown 2.78 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.
Pulaski County
Where people moving to Pulaski County come from
- Tax returns filed by households arriving1,343
- People arriving, from those returns2,546
- Adjusted gross income arriving$69.3 m
- Net adjusted gross income movement$0
- Average income of an arriving household$51,608
- Largest single originPulaski County Non-migrants (22,081 households)
- Largest single destination (22,081 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Pulaski County Non-migrants | 22,081 | 46,917 | $1.41 bn |
| Other flows - Different State | 618 | 1,212 | $37.4 m |
| Other flows - South | 284 | 581 | $16.8 m |
| Other flows - Same State | 281 | 531 | $13.1 m |
| Other flows - Midwest | 181 | 333 | $11.1 m |
| Other flows - West | 117 | 227 | $7.4 m |
| Wayne County | 97 | 183 | $3.2 m |
| Lincoln County | 59 | 110 | $2.0 m |
The largest single source of arrivals is Pulaski 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.
Pulaski County
What the Pulaski County economy runs on
- County GDP, 2024$3.03 bn
- County GDP, 2023$2.92 bn
- GDP change, 2023 to 20243.7 percent
- GDP change over five years34.2 percent
- Rank by GDP among Kentucky counties17th
- Rank by GDP among US county-equivalents973rd
- GDP per resident$46,033
Output grew 3.7 percent in the latest year and 34.2 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.
Pulaski County
Who employs people in Pulaski County
- Covered employment, annual average26,252
- Establishments reporting2,166
- Average annual pay$48,057
- Average weekly wage$924
- Sector 62, employment5,985
- Sector 62, average annual pay$60,640
- Sector 31-33, employment3,525
- Sector 31-33, average annual pay$54,550
- Sector 44-45, employment3,438
- Sector 44-45, average annual pay$36,510
- Sector 72, employment2,366
- Sector 72, average annual pay$20,966
- Sector 23, employment1,223
- Sector 42, employment1,221
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 5,985 | 506 | $60,640 |
| Sector 31-33 | 3,525 | 92 | $54,550 |
| Sector 44-45 | 3,438 | 336 | $36,510 |
| Sector 72 | 2,366 | 121 | $20,966 |
| Sector 23 | 1,223 | 158 | $52,613 |
| Sector 42 | 1,221 | 86 | $57,534 |
| Sector 56 | 1,080 | 90 | $31,199 |
| Sector 54 | 806 | 204 | $50,352 |
The largest sector is the biggest private employer group at 5,985 jobs, 22.8 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.
Pulaski County
What businesses operate in Pulaski County
- Establishments, all industries1,454
- Employment at those establishments21,712
- Annual payroll$956.9 m
- Establishments per 1,000 residents22.1
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.
Pulaski County
What is being built in Pulaski County
- Housing units authorised by permit, 2024122
- Declared construction value permitted$22.5 m
- Single family units authorised49
- Multifamily units authorised73
- Multifamily share of units59.8 percent
- Average declared value per unit$184,306
- Units authorised per 1,000 households4.7
Multifamily is 59.8 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Pulaski County
How much SBA lending happens in Pulaski County
- 7(a) approvals recorded25
- 7(a) gross approval dollars$7.6 m
- Average 7(a) approval$305,264
- Median 7(a) approval$250,000
- 10th percentile approval$25,000
- 90th percentile approval$640,000
- Largest single approval$1,550,000
- Jobs reported supported, 7(a)189
- Jobs per approval7.6
- Distinct 7(a) lenders active11
- Distinct industries receiving approvals19
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer16.0 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter18
- Franchise loans2
- Franchise share of approvals8.0 percent
- Leading industry by approval countRV (Recreational Vehicle) Parks and Campgrounds (2)
- Most active lenderCommunity Trust Bank, Inc. (14)
- 504 approvals recorded6
- 504 gross approval dollars$3.2 m
- Average 504 approval$531,000
- Median 504 approval$598,000
- Distinct CDCs active2
- 504 jobs per approval30.3
- 504 jobs per million dollars approved57.1
- Most active CDCCommunity Ventures Corporation (4)
- 7(a) share of SBA approvals80.6 percent
- Combined SBA approval dollars$10.8 m
The average approval of $305,264 sits close to the median of $250,000, so lending here is fairly evenly sized rather than driven by a few large deals. Only 16.0 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. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Pulaski County
Do SBA loans in Pulaski County get paid back
- Loans with a final outcome recorded8
- Paid in full8
- Charged off0
- Status: Exempt from disclosure13
- Status: Paid in full8
- Status: Cancelled4
Too few loans have reached a final outcome to publish a charge off rate. only 8 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.
Pulaski County
Which parts of Pulaski County get the lending
- Places in the county with recorded lending6
- Somerset, approvals16
- SCIENCE HILL, approvals3
- FERGUSON, approvals3
- EUBANK, approvals1
- BURNSIDE, approvals1
- Nancy, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Somerset | 16 | $5,210,900 |
| SCIENCE HILL | 3 | $490,000 |
| FERGUSON | 3 | $820,000 |
| EUBANK | 1 | $25,700 |
| BURNSIDE | 1 | $660,000 |
| Nancy | 1 | $425,000 |
Somerset accounts for 16 approvals against 3 in SCIENCE HILL. 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.
Pulaski County
How big is Pulaski County
- Land area658 sq mi
- Rank by land area among Kentucky counties3rd of 120
- Width, east to west34 mi
- Height, north to south33.7 mi
- Geographies sharing a boundary7
- Residents per square mile of land100
- Establishments per square mile2.21
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 Pulaski 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 Pulaski County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population65,897
- Households26,210
- Average household size2.51
- Median household income$51,898
- Median age42.3
Common questions
Pulaski County questions, answered from the record.
How many people live in Pulaski County, Kentucky?
65,897, in 26,210 households, ranking 14th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Pulaski County growing?
The population has grown 2.78 percent since the 2020 census base. In 2024 there were 666 births against 937 deaths, with net migration of 896. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Pulaski County?
$51,898. The median owner-occupied home is valued at $166,900, which is 3.2 times income, and median gross rent is $803 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Pulaski County?
1,454 establishments, employing 21,712 people with an annual payroll of $956.9 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 Pulaski County?
Average annual pay is $48,057, or $924 a week, across 26,252 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Pulaski County?
25 7(a) approvals totalling $7.6 m since FY2020, across 11 lenders, with a median approval of $250,000, plus 6 504 approvals worth $3.2 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Pulaski County?
122 housing units were authorised by permit in 2024, with a declared construction value of $22.5 m. Multifamily was 59.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Pulaski 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 Pulaski County come from?
The largest single origin is Pulaski County Non-migrants, with 22,081 households. Arriving households report an average income of $51,608 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 Pulaski 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 Pulaski 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.