Scott County, Kentucky: commercial real estate data.
Scott County, Kentucky has a population of 59,536 across 282 square miles, up 7.9 percent since the 2020 census base. County output reached $4.50 bn in 2024, 1,058 establishments operate here, and the SBA record carries 55 7(a) approvals worth $19.9 m.
121 sourced county values · tier FULL · 11 sections
Scott County
How many people live in Scott County
- Population59,536
- Households22,642
- Average household size2.63
- Median household income$85,158
- Median age36.4
- Median gross rent$1,247 per month
- Median owner-occupied home value$288,500
- Home value to household income3.4 times
- Annual rent as a share of median income17.6 percent
- Adults 25 and over with a bachelor degree or higher34.7 percent
- Adults 25 and over with a graduate degree12.7 percent
- Adults 25 and over39,383
- Population under 1814,479
- Share under 1824.3 percent
- Population 65 and over7,978
- Share 65 and over13.4 percent
- Working age population, 18 to 6437,079
- Civilian labor force31,495
- Unemployment rate4.3 percent
- Labor force participation, adults 18 and over69.9 percent
- Rank by population among Kentucky counties16th of 120
- Rank by population among US county-equivalents901st
Scott County is the 16th largest of 120 Kentucky counties by population. A median home costs 3.4 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 24.3 percent against 13.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Scott County
Is Scott County growing
- Population change since the 2020 census base7.94 percent
- Census 2020 base population57,163
- Births, 2024705
- Deaths, 2024462
- Natural change, 2024243
- Net domestic migration, 2024673
- Net international migration, 2024178
- Total net migration, 2024851
- Cumulative net domestic migration, 2021 to 20242,980
- Rank by growth among US county-equivalents240th
The county has grown 7.94 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.
Scott County
Where people moving to Scott County come from
- Tax returns filed by households arriving2,124
- People arriving, from those returns3,913
- Adjusted gross income arriving$133.4 m
- Net adjusted gross income movement$0
- Average income of an arriving household$62,828
- Largest single originScott County Non-migrants (20,728 households)
- Largest single destination (20,728 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Scott County Non-migrants | 20,728 | 45,285 | $1.74 bn |
| Fayette County | 593 | 1,102 | $39.1 m |
| Other flows - Different State | 593 | 1,141 | $45.2 m |
| Other flows - Same State | 359 | 583 | $16.9 m |
| Other flows - South | 261 | 485 | $19.2 m |
| Other flows - Midwest | 186 | 352 | $13.3 m |
| Other flows - West | 107 | 221 | $9.2 m |
| Harrison County | 98 | 190 | $5.3 m |
The largest single source of arrivals is Scott 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.
Scott County
What the Scott County economy runs on
- County GDP, 2024$4.50 bn
- County GDP, 2023$4.14 bn
- GDP change, 2023 to 20248.9 percent
- GDP change over five years26.8 percent
- Rank by GDP among Kentucky counties12th
- Rank by GDP among US county-equivalents754th
- GDP per resident$75,655
Output grew 8.9 percent in the latest year and 26.8 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.
Scott County
Who employs people in Scott County
- Covered employment, annual average31,634
- Establishments reporting1,819
- Average annual pay$72,236
- Average weekly wage$1,389
- Sector 31-33, employment12,945
- Sector 31-33, average annual pay$92,511
- Sector 72, employment2,610
- Sector 72, average annual pay$22,261
- Sector 62, employment2,438
- Sector 62, average annual pay$61,640
- Sector 56, employment1,982
- Sector 56, average annual pay$43,986
- Sector 44-45, employment1,972
- Sector 48-49, employment1,574
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 12,945 | 90 | $92,511 |
| Sector 72 | 2,610 | 128 | $22,261 |
| Sector 62 | 2,438 | 240 | $61,640 |
| Sector 56 | 1,982 | 108 | $43,986 |
| Sector 44-45 | 1,972 | 167 | $36,664 |
| Sector 48-49 | 1,574 | 54 | $66,241 |
| Sector 23 | 661 | 138 | $66,044 |
| Sector 81 | 449 | 112 | $46,130 |
The largest sector is the biggest private employer group at 12,945 jobs, 40.9 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.
Scott County
What businesses operate in Scott County
- Establishments, all industries1,058
- Employment at those establishments26,711
- Annual payroll$1.63 bn
- Establishments per 1,000 residents17.8
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.
Scott County
What is being built in Scott County
- Housing units authorised by permit, 2024546
- Declared construction value permitted$126.6 m
- Single family units authorised430
- Multifamily units authorised116
- Multifamily share of units21.2 percent
- Average declared value per unit$231,876
- Units authorised per 1,000 households24.1
Multifamily is 21.2 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Scott County
How much SBA lending happens in Scott County
- 7(a) approvals recorded55
- 7(a) gross approval dollars$19.9 m
- Average 7(a) approval$362,135
- Median 7(a) approval$100,000
- 10th percentile approval$15,000
- 90th percentile approval$817,000
- Largest single approval$3,575,000
- Jobs reported supported, 7(a)414
- Jobs per approval7.5
- Distinct 7(a) lenders active17
- Distinct industries receiving approvals33
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer9.1 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter46
- Franchise loans5
- Franchise share of approvals9.1 percent
- Leading industry by approval countGeneral Freight Trucking, Local (9)
- Most active lenderCommunity Trust Bank, Inc. (30)
- 504 approvals recorded7
- 504 gross approval dollars$4.8 m
- Average 504 approval$688,714
- Median 504 approval$610,000
- Distinct CDCs active2
- 504 jobs per approval4.7
- 504 jobs per million dollars approved6.8
- Most active CDCCommunity Ventures Corporation (4)
- 7(a) share of SBA approvals88.7 percent
- Combined SBA approval dollars$24.7 m
The average approval of $362,135 sits well above the median of $100,000, 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 9.1 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.
Scott County
Do SBA loans in Scott County get paid back
- Loans with a final outcome recorded15
- Paid in full14
- Charged off1
- Charge off rate on resolved loans6.7 percent
- Status: Exempt from disclosure35
- Status: Paid in full14
- Status: Cancelled3
- Status: Charged off1
- Status: Committed, not yet disbursed2
Of the 15 loans that have reached a final outcome, 6.7 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.
Scott County
Which parts of Scott County get the lending
- Places in the county with recorded lending4
- GEORGETOWN, approvals48
- STAMPING GROUND, approvals3
- SADIEVILLE, approvals3
- CORINTH, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| GEORGETOWN | 48 | $17,692,200 |
| STAMPING GROUND | 3 | $75,200 |
| SADIEVILLE | 3 | $375,000 |
| CORINTH | 1 | $1,775,000 |
GEORGETOWN accounts for 48 approvals against 3 in STAMPING GROUND. 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.
Scott County
How big is Scott County
- Land area282 sq mi
- Rank by land area among Kentucky counties72nd of 120
- Width, east to west18.4 mi
- Height, north to south26 mi
- Geographies sharing a boundary7
- Residents per square mile of land211
- Establishments per square mile3.75
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 Scott 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 Scott County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population59,536
- Households22,642
- Average household size2.63
- Median household income$85,158
- Median age36.4
Common questions
Scott County questions, answered from the record.
How many people live in Scott County, Kentucky?
59,536, in 22,642 households, ranking 16th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Scott County growing?
The population has grown 7.94 percent since the 2020 census base. In 2024 there were 705 births against 462 deaths, with net migration of 851. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Scott County?
$85,158. The median owner-occupied home is valued at $288,500, which is 3.4 times income, and median gross rent is $1,247 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Scott County?
1,058 establishments, employing 26,711 people with an annual payroll of $1.63 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 Scott County?
Average annual pay is $72,236, or $1,389 a week, across 31,634 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Scott County?
55 7(a) approvals totalling $19.9 m since FY2020, across 17 lenders, with a median approval of $100,000, plus 7 504 approvals worth $4.8 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Scott County get paid back?
Of the 15 loans that have reached a final outcome, 14 were paid in full and 1 charged off, a charge off rate of 6.7 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Scott County?
546 housing units were authorised by permit in 2024, with a declared construction value of $126.6 m. Multifamily was 21.2 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Scott 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 Scott County come from?
The largest single origin is Scott County Non-migrants, with 20,728 households. Arriving households report an average income of $62,828 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 Scott 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 Scott 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.