Official Federal Data
Calloway County, Kentucky
FIPS 21035 · Murray, KY · Population 38,224
9 Sources
Updated June 22, 2026
$52,706 ▲
Median Income
$80,734 national
5% ▼
Unemployment
4% national
$1.9B ▲
GDP
31.2% ▲
Bachelor's+
35.7% national
Demographics & Population
Census Bureau American Community Survey 2020-2024 · 5-Year Estimates
Household Income
Source: U.S. Census Bureau · American Community Survey 2020-2024 5-Year Estimates
Median Household
$52,706 ▲
Per Capita
$29,867 ▲
Mean Household
$72,292 ▲
Poverty Rate
17.2% ▼
Median Income Comparison
Calloway County$52,706
Kentucky$63,726
National$80,734
Population Profile
Source: Census Bureau ACS 2020-2024 · Tables B01001, B02001, B03003
Cohorts
Under 18 · 18.2%
18-34 · 31.1%
35-54 · 21.8%
55-64 · 11.9%
65+ · 16.9%
Race & Ethnicity
Hispanic or Latino is an ethnic category and overlaps with the race categories above.
Educational Attainment
Source: Census Bureau ACS 2020-2024 · Table B15003 · Population 25+
91.1%
High School+
National: 89.6%
▲ +1.5 pts
31.2%
Bachelor's+
National: 35.7%
▼ 4.5 pts
13.5%
Graduate+
National: 14.1%
▼ 0.6 pts
Employment Overview
Source: U.S. Census Bureau · American Community Survey 2020-2024 5-Year Estimates
38,224
Population
18,566
Labor Force
Employed
17,740
Unemployment Rate BLS LAUS 2025 annual
5% ▼ 0.2 pts YoY
Mean Commute 9 min below national avg
17.3 min
Work From Home vs 15.1% national
6%
Key Takeaways
- Income gap: Households earn meaningfully less than the national median, which directly affects retail demand, housing absorption, and tax base.
- Elevated poverty: At 17.2%, the rate is in economically distressed territory and supports federal funding narratives (CDFI, NMTC, EDA).
Economy & Industry
Bureau of Labor Statistics QCEW · Bureau of Economic Analysis
Key Takeaways
- Largest sector: Manufacturing employs 2,130 workers (20.3% of tracked sectors), at an average wage of $63,716.
- Economic scale: Regional GDP of $1.9B (2024).
- Wage stratification: Finance and Insurance averages $70,708 while Accommodation and Food Services averages $18,529, a 3.8x spread in the same local economy, with implications for workforce development and talent strategy.
Source: BLS QCEW + BEA Regional GDP.
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Industry Concentration
Location Quotient measures regional specialization vs. national average. LQ > 1.0 = concentrated.
Cluster Depth
Source: BLS QCEW · Sub-sectors with LQ ≥ 1.5 indicate genuine cluster concentration
Dominant Cluster
Retail Trade Cluster
Coherent grouping of concentrated sub-sectors, signals supply-chain fit for site selectors
873
Cluster Employment
1.89x
Peak LQ
Concentrated Sub-Sectors
Building Material and Garden Supply Retailers
1.89x 260
General Merchandise Retailers
1.89x 613
Attraction Opportunities
LQ < 0.5 with ≥ 50 employed, realistic diversification targets. Source: BLS QCEW
Key Takeaways
- Top specialization: Building Material and Garden Supply Retailers concentrates at 1.89x the national norm.
- Attraction whitespace: 8 sub-sectors register LQ < 0.5, candidates for diversification or recruitment depending on labor-market fit.
Source: BLS QCEW sub-sector Location Quotients.
Housing & Affordability
Census ACS · HUD Fair Market Rents FY2026
Housing Overview
Source: Census Bureau ACS 2020-2024 5-Year Estimates · Tables B25001, B25077, B25064
$183,200 ▲
Median Home Value vs 2019
$870 ▲
Rent/Mo
63.9% ▲
Owner-Occ
15.8% ▼
Vacancy
3.5x
Home Value to Income Ratio
vs. ~4.1x national average
HUD Fair Market Rents
Source: HUD · Fair Market Rents FY2026
Studio
$785/mo
1 Bedroom
$837/mo
2 Bedroom
$1,098/mo
3 Bedroom
$1,317/mo
4 Bedroom
$1,454/mo
30% of monthly median household income (~$1,318/mo) · rents above this line are typically considered cost-burdened.
Key Takeaways
- In line with national: Home value to income ratio of 3.5x sits near the ~4.1x national average; affordability is neither a clear advantage nor a recruitment friction.
- Elevated vacancy: 15.8% vacancy rate. In resort, rural, and seasonal markets much of this is recreational/seasonal (second homes), not available supply; confirm the vacancy-by-reason split before treating it as a redevelopment opportunity.
- Affordable rent tiers: 4 of 5 HUD Fair Market Rent bedroom tiers sit below the 30%-of-median-income affordability threshold (~$1,318/mo).
Source: Census ACS housing tables + HUD Fair Market Rents.
Workforce Pipeline
Labor force readiness, commuting, and workforce composition
Labor Market Overview
Source: Census ACS 2020-2024 · Tables B01001, B23025, B08303, B08301
24,775 ▼
Working Age (18-64) vs 2019
Mean Commute 9 min below national avg
17.3 min
Work From Home vs 15.1% national
6%
Prime-Age Employed (25-54)
78.3%
of prime-age population
▼ vs 2019
Education & Talent Pipeline
Source: Census ACS 2020-2024 · Table B15003 · College Scorecard
Bachelor's+
31.2% ▲
HS Diploma+
91.1% ▲
Regional / Statewide Institutions
Total credentials awarded
35,189/yr
8,890/yr
6,956/yr
5,751/yr
5,011/yr
4,485/yr
4,096/yr
Aging Workforce
Source: Census Bureau ACS · Derived from age & employment tables
18.4%
55-64 of working-age population (18-64)
Workforce by Occupation
Source: Census ACS 2020-2024 · Table C24010 · Civilian employed population 16+
Management / Professional
31.1%
Service
17.6%
Sales & Office
23.9%
Construction / Maint.
9.7%
Production / Transport
17.8%
Bars scaled 2× for visual differentiation; percentage labels show actual share of 17,740 employed workers.
Key Takeaways
- Low participation: 59.4% labor force participation suggests untapped capacity; workforce development programs may unlock supply.
- Short commutes: 17.3-minute mean commute is a quality-of-life and labor-access advantage worth surfacing for site selectors.
- Talent pipeline: 6 regional institutions feed the workforce; the top three combined produce 21,597 annual credentials.
Source: ACS workforce data and College Scorecard.
AI Insights
AI-assisted analysis, drawn from 9 federal data sources
Sample AI Insight
Calloway County shows emerging potential for building material and garden supply retailers attraction, with a 1.89x concentration and 260 jobs in this sub-sector.
Industry Shift Analysis
Manufacturing Automation Risk
High
Healthcare Growth Forecast
+4.2% CAGR
Remote Work Migration
67/100
Prospect Match Scores
Advanced Manufacturing
92/100
Life Sciences
84/100
Data Centers
71/100
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Data Sources
Updated from official federal government data.
Census ACS 5-Year2024
BLS QCEW2025 annual
BLS LAUS (via FRED)2025 annual
BEA Regional GDP2024
Census CBP2023
HUD Fair Market RentsFY2026
FCC Broadband Map2024
USAspending.govFY2026
College ScorecardAY 2022-23
Frequently Asked Questions
Key economic and demographic figures for Calloway County, Kentucky, from federal data sources.
What is the population of Calloway County, Kentucky?
38,224 (U.S. Census Bureau, ACS 5-Year Estimates).
What is the median household income in Calloway County, Kentucky?
$52,706 (U.S. Census Bureau, ACS 5-Year Estimates).
What is the unemployment rate in Calloway County, Kentucky?
5% (2025 annual average, U.S. Bureau of Labor Statistics, LAUS).
What is the GDP of Calloway County, Kentucky?
$1.9B (U.S. Bureau of Economic Analysis, CAGDP1).
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