Todd County, Kentucky: commercial real estate data.
Todd County, Kentucky has a population of 12,469 across 374 square miles, up 4.2 percent since the 2020 census base. County output reached $568.8 m in 2024, 208 establishments operate here, and the SBA record carries 2 7(a) approvals worth $1.9 m.
112 sourced county values · tier FULL · 10 sections
Todd County
How many people live in Todd County
- Population12,469
- Households4,559
- Average household size2.74
- Median household income$61,103
- Median age36.1
- Median gross rent$851 per month
- Median owner-occupied home value$166,700
- Home value to household income2.7 times
- Annual rent as a share of median income16.7 percent
- Adults 25 and over with a bachelor degree or higher16.5 percent
- Adults 25 and over with a graduate degree6.5 percent
- Adults 25 and over8,137
- Population under 183,370
- Share under 1827.0 percent
- Population 65 and over2,118
- Share 65 and over17.0 percent
- Working age population, 18 to 646,981
- Civilian labor force5,416
- Unemployment rate3.2 percent
- Labor force participation, adults 18 and over59.5 percent
- Rank by population among Kentucky counties88th of 120
- Rank by population among US county-equivalents2320th
Todd County is the 88th largest of 120 Kentucky counties by population. A median home costs 2.7 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 27.0 percent against 17.0 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Todd County
Is Todd County growing
- Population change since the 2020 census base4.21 percent
- Census 2020 base population12,242
- Births, 2024164
- Deaths, 2024167
- Natural change, 2024-3
- Net domestic migration, 2024125
- Net international migration, 202460
- Total net migration, 2024185
- Cumulative net domestic migration, 2021 to 2024290
- Rank by growth among US county-equivalents651st
The county has grown 4.21 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.
Todd County
Where people moving to Todd County come from
- Tax returns filed by households arriving263
- People arriving, from those returns542
- Adjusted gross income arriving$12.3 m
- Net adjusted gross income movement$0
- Average income of an arriving household$46,890
- Largest single originTodd County Non-migrants (3,994 households)
- Largest single destination (3,994 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Todd County Non-migrants | 3,994 | 9,201 | $241.6 m |
| Other flows - Different State | 76 | 161 | $4.3 m |
| Other flows - South | 55 | 107 | $3.3 m |
| Montgomery County | 54 | 107 | $2.5 m |
| Other flows - Same State | 53 | 100 | $2.2 m |
| Christian County | 41 | 96 | $1.9 m |
| Logan County | 39 | 78 | $1.5 m |
| Other flows - Midwest | 21 | 54 | $1.0 m |
The largest single source of arrivals is Todd 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.
Todd County
What the Todd County economy runs on
- County GDP, 2024$568.8 m
- County GDP, 2023$560.6 m
- GDP change, 2023 to 20241.5 percent
- GDP change over five years58.9 percent
- Rank by GDP among Kentucky counties66th
- Rank by GDP among US county-equivalents2318th
- GDP per resident$45,615
Output grew 1.5 percent in the latest year and 58.9 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.
Todd County
Who employs people in Todd County
- Covered employment, annual average2,812
- Establishments reporting323
- Average annual pay$47,765
- Average weekly wage$919
- Sector 31-33, employment550
- Sector 31-33, average annual pay$70,402
- Sector 44-45, employment324
- Sector 44-45, average annual pay$28,121
- Sector 42, employment253
- Sector 42, average annual pay$51,226
- Sector 23, employment145
- Sector 23, average annual pay$70,771
- Sector 52, employment87
- Sector 54, employment55
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 550 | 28 | $70,402 |
| Sector 44-45 | 324 | 46 | $28,121 |
| Sector 42 | 253 | 18 | $51,226 |
| Sector 23 | 145 | 23 | $70,771 |
| Sector 52 | 87 | 16 | $52,616 |
| Sector 54 | 55 | 20 | $58,700 |
| Sector 53 | 15 | 5 | $42,200 |
The largest sector is the biggest private employer group at 550 jobs, 19.6 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.
Todd County
What businesses operate in Todd County
- Establishments, all industries208
- Employment at those establishments1,794
- Annual payroll$84.5 m
- Establishments per 1,000 residents16.7
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.
Todd County
What is being built in Todd County
- Housing units authorised by permit, 202427
- Declared construction value permitted$6.1 m
- Single family units authorised23
- Multifamily units authorised4
- Multifamily share of units14.8 percent
- Average declared value per unit$226,854
- Units authorised per 1,000 households5.9
Multifamily is 14.8 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Todd County
How much SBA lending happens in Todd County
- 7(a) approvals recorded2
- 7(a) gross approval dollars$1.9 m
- Average 7(a) approval$937,500
- Median 7(a) approval$1,850,000
- 10th percentile approval$25,000
- 90th percentile approval$1,850,000
- Largest single approval$1,850,000
- Jobs reported supported, 7(a)55
- Jobs per approval27.5
- Distinct 7(a) lenders active2
- Distinct industries receiving approvals2
- Median 7(a) term300 months
- Share of loans on real estate terms, 240 months or longer50.0 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter1
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countAll Other Miscellaneous Manufacturing (1)
- Most active lenderPort 51 Lending LLC (1)
- 504 approvals recorded2
- 504 gross approval dollars$2.5 m
- Average 504 approval$1,247,500
- Median 504 approval$2,313,000
- Distinct CDCs active2
- 504 jobs per approval13.5
- 504 jobs per million dollars approved10.8
- Most active CDCSmall Business Access Partners, Inc. (1)
- 7(a) share of SBA approvals50.0 percent
- Combined SBA approval dollars$4.4 m
The average approval of $937,500 sits close to the median of $1,850,000, so lending here is fairly evenly sized rather than driven by a few large deals. 50.0 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. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Todd County
Do SBA loans in Todd County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 1 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.
Todd County
How big is Todd County
- Land area374 sq mi
- Rank by land area among Kentucky counties40th of 120
- Width, east to west15.7 mi
- Height, north to south29.8 mi
- Geographies sharing a boundary3
- Residents per square mile of land33
- Establishments per square mile0.56
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 Todd 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 Todd County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population12,469
- Households4,559
- Average household size2.74
- Median household income$61,103
- Median age36.1
Common questions
Todd County questions, answered from the record.
How many people live in Todd County, Kentucky?
12,469, in 4,559 households, ranking 88th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Todd County growing?
The population has grown 4.21 percent since the 2020 census base. In 2024 there were 164 births against 167 deaths, with net migration of 185. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Todd County?
$61,103. The median owner-occupied home is valued at $166,700, which is 2.7 times income, and median gross rent is $851 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Todd County?
208 establishments, employing 1,794 people with an annual payroll of $84.5 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 Todd County?
Average annual pay is $47,765, or $919 a week, across 2,812 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Todd County?
2 7(a) approvals totalling $1.9 m since FY2020, across 2 lenders, with a median approval of $1,850,000, plus 2 504 approvals worth $2.5 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Todd County?
27 housing units were authorised by permit in 2024, with a declared construction value of $6.1 m. Multifamily was 14.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Todd 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 Todd County come from?
The largest single origin is Todd County Non-migrants, with 3,994 households. Arriving households report an average income of $46,890 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 Todd 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 Todd 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.