HomeKentuckyAdair CountyColumbia
Columbia, Kentucky: commercial real estate data.
Columbia is a Census city of 4,808 people across 4.87 square miles of land, in Adair County. Median household income is $47,299, 48.6 percent of occupied homes are owned, and the SBA record carries 4 7(a) approvals to borrowers here worth $523,500 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Columbia
What Columbia is
- Census place typecity
- Land area4.87 sq mi
- Water area0.04 sq mi
- Population per square mile of land987
- County holding the largest share of its areaAdair County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Columbia
How many people live in Columbia
- Population4,808
- Median age28.2
- Population under 18671 plus or minus 163
- Share under 1814.0 percent plus or minus 3.4
- Population 65 and over817 plus or minus 183
- Share 65 and over17.0 percent plus or minus 3.8
- Households1,567
- Family households894
- Share of households that are families57.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Columbia
Income and work in Columbia
- Median household income$47,299 plus or minus $10,981
- Per capita income$26,780 plus or minus $8,858
- Civilian labor force2,178
- Employed2,082
- Unemployed96 plus or minus 70
- Unemployment rate4.4 percent plus or minus 3.2
- Adults 25 and over2,577
- Adults 25 and over with a high school diploma or higher80.7 percent
- Adults 25 and over with a bachelor degree or higher25.3 percent plus or minus 6.5
- Adults 25 and over with a graduate degree17.4 percent plus or minus 6.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Columbia
Housing in Columbia
- Housing units1,819
- Occupied units1,567
- Vacant units252 plus or minus 95
- Vacancy rate13.9 percent plus or minus 5.0
- Owner occupied761 plus or minus 167
- Renter occupied806 plus or minus 199
- Ownership rate48.6 percent
- Median owner-occupied home value$143,600 plus or minus $41,622
- Median gross rent, monthly$757
- Annual rent as a share of median income19.2 percent plus or minus 5.4
- Single family units1,101
- Share single family60.5 percent
- Units in buildings of two or more514 plus or minus 184
- Share in buildings of two or more28.3 percent plus or minus 9.8
- Mobile homes204 plus or minus 88
- Median year structure built1971
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Columbia
How Columbia gets to work
- Workers 16 and over who commute1,660
- Commuting under 15 minutes983 plus or minus 205
- Share commuting under 15 minutes59.2 percent
- Commuting 30 minutes or more294 plus or minus 137
- Share commuting 30 minutes or more17.7 percent plus or minus 7.9
- Drove alone62.8 percent
- Carpooled15.3 percent plus or minus 6.4
- Public transport0.0 percent
- Walked5.2 percent plus or minus 2.2
- Worked from home16.8 percent plus or minus 9.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Columbia
SBA loans in Columbia (7(a))
- Approvals4
- Gross approval$523,500
- Average approval$130,875
- Median approval$130,750
- Largest approval$212,000
- Jobs supported14
- Jobs per approval3.5
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders4
- Distinct industries by NAICS4
Counted by borrower city: approvals to borrowers whose address is in Columbia, in any county, FY2020 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Columbia
SBA loans in Columbia (504)
- Approvals1
- Gross approval$2,149,000
- Average approval$2,149,000
- Median approval$2,149,000
- Largest approval$2,149,000
- Jobs supported0
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Columbia, in any county, FY2010 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Columbia
Flood risk in Columbia
- NFIP communityCity of Columbia
- NFIP community number210434
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date12/17/10(M)
The City of Columbia participates in the National Flood Insurance Program as community 210434 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Adair County, not Columbia
Adair County context, not Columbia figures
- Establishments in Adair County331
- Covered employment, Adair County4,954
- Average annual pay, Adair County$41,613
- Housing units permitted, Adair County3
Every figure in this section is published for Adair County as a whole and is not a measurement of Columbia.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Columbia questions, answered from the record.
How many people live in Columbia, Kentucky?
4,808, in 1,567 households. Columbia city covers 4.87 square miles of land, which is 987 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Columbia in?
Adair County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Columbia?
$47,299. The median owner-occupied home is valued at $143,600. Median gross rent is $757 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Columbia businesses?
4 7(a) approvals totaling $523,500 since FY2020, across 4 lenders, median approval $130,750, plus 1 504 approvals worth $2.1 m since FY2010. These count approvals to borrowers whose address is in Columbia, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Columbia borrowers get paid back?
No rate is published for Columbia. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Columbia in the National Flood Insurance Program?
Yes. Columbia appears in the FEMA Community Status Book as Columbia, city of, community 210434, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Columbia figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Adair County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Columbia.
Is zoning published for Columbia?
No. Nothing on this page presents parcel level zoning.