HomeKentuckyBoyd CountyAshland
Ashland, Kentucky: commercial real estate data.
Ashland is a Census city of 21,295 people across 10.74 square miles of land, in Boyd County. Median household income is $52,715, 60.4 percent of occupied homes are owned, and the SBA record carries 32 7(a) approvals to borrowers here worth $14.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Ashland
What Ashland is
- Census place typecity
- Land area10.74 sq mi
- Water area0.03 sq mi
- Population per square mile of land1,984
- County holding the largest share of its areaBoyd 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.
Ashland
How many people live in Ashland
- Population21,295
- Median age40.7
- Population under 184,639
- Share under 1821.8 percent
- Population 65 and over4,099
- Share 65 and over19.2 percent
- Households9,439
- Family households5,455
- Share of households that are families57.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ashland
Income and work in Ashland
- Median household income$52,715
- Per capita income$32,025
- Civilian labor force9,729
- Employed8,977
- Unemployed752 plus or minus 224
- Unemployment rate7.7 percent plus or minus 2.3
- Adults 25 and over14,971
- Adults 25 and over with a high school diploma or higher92.0 percent
- Adults 25 and over with a bachelor degree or higher24.8 percent
- Adults 25 and over with a graduate degree12.6 percent plus or minus 2.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ashland
Housing in Ashland
- Housing units10,646
- Occupied units9,439
- Vacant units1,207 plus or minus 244
- Vacancy rate11.3 percent plus or minus 2.3
- Owner occupied5,704
- Renter occupied3,735
- Ownership rate60.4 percent
- Median owner-occupied home value$125,000
- Median gross rent, monthly$872
- Annual rent as a share of median income19.9 percent
- Single family units8,091
- Share single family76.0 percent
- Units in buildings of two or more2,421
- Share in buildings of two or more22.7 percent
- Mobile homes134 plus or minus 83
- Median year structure built1965
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ashland
How Ashland gets to work
- Workers 16 and over who commute8,138
- Commuting under 15 minutes3,885
- Share commuting under 15 minutes47.7 percent
- Commuting 30 minutes or more1,919
- Share commuting 30 minutes or more23.6 percent
- Drove alone74.0 percent
- Carpooled11.3 percent plus or minus 3.6
- Public transport0.2 percent plus or minus 0.2
- Walked5.6 percent plus or minus 2.0
- Worked from home7.5 percent plus or minus 2.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ashland
SBA loans in Ashland (7(a))
- Approvals32
- Gross approval$14,083,000
- Average approval$440,094
- Median approval$175,000
- Ninetieth percentile approval$1,526,900
- Largest approval$2,500,000
- Jobs supported451
- Jobs per approval14.1
- Loans with a final outcome8
- Paid in full6
- Charged off2
- Median term120 months
- Share on real estate terms of 20 years or more18.8 percent
- Share to franchises28.1 percent
- Distinct lenders12
- Distinct industries by NAICS18
Counted by borrower city: approvals to borrowers whose address is in Ashland, in any county, FY2020 to FY2026. Only 8 loans have 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.
Ashland
SBA loans in Ashland (504)
- Approvals2
- Gross approval$1,919,000
- Average approval$959,500
- Median approval$959,500
- Largest approval$1,190,000
- Jobs supported9
- Loans with a final outcome1
- Charged off0
- Median term300 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Ashland, in any county, FY2010 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, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Ashland
Flood risk in Ashland
- NFIP communityCity of Ashland
- NFIP community number210017
- Participating in the NFIPYes
- Community Rating System classClass 10
- Currently effective map date01/29/21
The City of Ashland participates in the National Flood Insurance Program as community 210017 and carries Community Rating System class 10, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Boyd County, not Ashland
Boyd County context, not Ashland figures
- Establishments in Boyd County1,169
- Covered employment, Boyd County25,992
- Average annual pay, Boyd County$59,231
- Housing units permitted, Boyd County9
Every figure in this section is published for Boyd County as a whole and is not a measurement of Ashland.
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
Ashland questions, answered from the record.
How many people live in Ashland, Kentucky?
21,295, in 9,439 households. Ashland city covers 10.74 square miles of land, which is 1,984 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Ashland in?
Boyd 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 Ashland?
$52,715. The median owner-occupied home is valued at $125,000. Median gross rent is $872 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Ashland businesses?
32 7(a) approvals totaling $14.1 m since FY2020, across 12 lenders, median approval $175,000, plus 2 504 approvals worth $1.9 m since FY2010. These count approvals to borrowers whose address is in Ashland, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Ashland borrowers get paid back?
No rate is published for Ashland. Only 8 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Ashland in the National Flood Insurance Program?
Yes. Ashland appears in the FEMA Community Status Book as Ashland, city of, community 210017, carrying Community Rating System class 10, which is a premium discount for exceeding the program minimum. 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 Ashland figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Boyd 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 Ashland.
Is zoning published for Ashland?
No. Nothing on this page presents parcel level zoning.
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