At a glance
Agriculture produced almost a quarter of GDP in 2025, and half of all households farmed at the 2019 census. Agriculture, forestry and fishing generated KSh 4,071.0 billion of value added in 2025, 23.2% of GDP, after real growth of 3.1%1. On World Bank data this was worth US$31.5 billion2. The 2019 census counted 6,354,211 farming households, 52.3% of all households (own calculation), and 88.7% of them farmed mainly for subsistence3. The ILO's modelled estimate puts agriculture at 45.8% of employment in 20258. Kenya has not held a comprehensive census of agriculture since independence, and the first, for 2025/26, had not published results by October 20269.
Production combines food staples for the home market with export crops. Maize production was estimated at 45.8 million 90-kg bags in 2025, and made tea at 550.4 thousand tonnes4. Fresh horticultural exports earned KSh 143.8 billion in 2025, of which cut flowers KSh 81.3 billion4. Kenya was the third-largest tea leaf producer and the largest camel milk producer in the world in 2024 on FAOSTAT data (own ranking)10. Small farms, defined by KNBS as farms under 20 hectares, accounted for 71.6% of recorded marketed sales in 20254.
Kenya was a net exporter of agri-food products in 2025. On UN Comtrade data Kenya exported US$4.78 billion of agri-food products in 2025 and imported US$3.59 billion7. Coffee, tea and spices made up US$1.88 billion of exports and live plants and cut flowers US$0.88 billion, while cereals (US$1.20 billion) and vegetable oils (US$1.12 billion) led imports7.
Bank credit to agriculture is small relative to the sector's output. Commercial banks held KSh 197.9 billion of loans to agriculture at the end of 2025, about US$1.53 billion and 4.6% of gross loans, and 19.3% of these loans were non-performing (own calculation)65. The 2024 FinAccess survey found that the primary source of day-to-day agricultural financing was reinvested income from farming, at 49.3%11. The Central Bank Rate has been 8.75% since February 2026 and remained there at the meeting of 7 October 20261213.
Drought was the challenge cited most often in 2024. In the 2024 FinAccess survey drought ranked as the leading challenge in agriculture, at 19.2%11. The five rainy seasons from October 2020 to December 2022 were all below the 1991β2020 average on ERA5 data, by up to 54% (own calculation)14. The government's second NDC puts the economic losses of the 2022 drought at more than KES 70 billion15.
Key issues for agricultural finance
A large sector with a small share of bank credit
High non-performing loan ratio
Rain-fed farming exposed to drought
Wide use of digital financial channels
Input subsidies through e-vouchers
Sources cited on this page
- Economic Survey 2026 (PDF) β Kenya National Bureau of Statistics (KNBS)verified
- World Development Indicators β Agriculture, forestry and fishing value added (current US$), NV.AGR.TOTL.CD (API, JSON) β World Bankverified
- 2019 Kenya Population and Housing Census, Volume IV: Distribution of Population by Socio-Economic Characteristics (PDF) β Kenya National Bureau of Statistics (KNBS)verified
- Economic Survey 2026, Chapter 7 Agriculture Sector (Tables 7.1-7.23, PDF pages 202-224) β Kenya National Bureau of Statistics (KNBS)verified
- IMF, Exchange Rates (ER) dataset β Kenya, domestic currency per US$ (end of period and period average) β International Monetary Fund (IMF), Statistics Departmentverified
- Bank Supervision Annual Report 2025 (PDF) β Central Bank of Kenya (CBK)verified
- UN Comtrade β Kenya, agri-food trade (HS chapters 01β24) by partner, 2025 (public preview API, JSON) β United Nations Statistics Divisionverified
- World Development Indicators β Employment in agriculture (% of total employment, modelled ILO estimate), total, female and male, SL.AGR.EMPL.ZS, SL.AGR.EMPL.FE.ZS, SL.AGR.EMPL.MA.ZS (API, JSON) β World Bankverified
- 2025/26 Kenya Census of Agriculture (KCA), web page of 7 July 2026 β Kenya National Bureau of Statistics (KNBS)verified
- FAOSTAT Production: Crops and livestock products, bulk download all countries (CSV, release of 23 December 2025) β Food and Agriculture Organization of the United Nationsverified
- 2024 FinAccess Household Survey, main report (PDF) β Central Bank of Kenya (CBK), KNBS and FSD Kenyaverified
- Central Bank Rate, history of MPC decisions (web page) β Central Bank of Kenya (CBK)verified
- Monetary Policy Committee press release, meeting of 7 October 2026 (PDF) β Central Bank of Kenya (CBK)verified
- ERA5 reanalysis country-average monthly precipitation and temperature, Kenya, 1950-2024 (API, JSON) β World Bank Climate Change Knowledge Portalverified
- Kenya's Second Nationally Determined Contribution (2031-2035), 2025 (PDF, Climate Policy Radar copy of the UNFCCC submission) β Ministry of Environment, Climate Change and Forestry (Kenya), via Climate Policy Radarverified
- Advancing food security through agricultural innovation and youth empowerment, news release, 27 June 2025 β Ministry of Agriculture and Livestock Development (MoALD)verified
- World Development Indicators β Agriculture, forestry and fishing, value added (% of GDP), NV.AGR.TOTL.ZS (API, JSON) β World Bankverified
- Economic Survey 2021 (PDF) β Kenya National Bureau of Statistics (KNBS)verified
- Bank Supervision Annual Report 2010 (PDF) β Central Bank of Kenya (CBK)verified
- Bank Supervision Annual Report 2011 (PDF) β Central Bank of Kenya (CBK)verified
- Bank Supervision Annual Report 2012 (PDF) β Central Bank of Kenya (CBK)verified
- Bank Supervision Annual Report 2013 (PDF) β Central Bank of Kenya (CBK)verified
- Bank Supervision Annual Report 2014 (PDF) β Central Bank of Kenya (CBK)verified
- Bank Supervision Annual Report 2015 (PDF) β Central Bank of Kenya (CBK)verified
- Bank Supervision Annual Report 2016 (PDF) β Central Bank of Kenya (CBK)verified
- Bank Supervision Annual Report 2017 (PDF) β Central Bank of Kenya (CBK)verified
- Bank Supervision Annual Report 2018 (PDF) β Central Bank of Kenya (CBK)verified
- Bank Supervision Annual Report 2019 (PDF) β Central Bank of Kenya (CBK)verified
- Bank Supervision Annual Report 2020 (PDF) β Central Bank of Kenya (CBK)verified
- Bank Supervision Annual Report 2021 (PDF) β Central Bank of Kenya (CBK)verified
- Bank Supervision Annual Report 2022 (PDF) β Central Bank of Kenya (CBK)verified
- Bank Supervision Annual Report 2023 (PDF) β Central Bank of Kenya (CBK)verified
- Bank Supervision Annual Report 2024 (PDF) β Central Bank of Kenya (CBK)verified
- Mobile payments statistics, monthly table (web page) β Central Bank of Kenya (CBK)verified
- Global Findex database (source 28), borrowing indicators fin22a, fin22a_1 and fin22a.22a1.22g.d (% age 15+), World Bank API β World Bankverified
- PS Ronoh flags off 99,000 metric tonnes of subsidised fertiliser at the Port of Mombasa, news release, 8 September 2026 β Ministry of Agriculture and Livestock Development (MoALD)verified
- Launch of the 2025 long rains National Fertilizer Subsidy Programme (NFSP) at the NCPB GPC depot, Nairobi, news release, 18 December 2024 β Ministry of Agriculture and Livestock Development (MoALD)verified
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