HomeKentuckyCalloway CountyMurray
Murray, Kentucky: commercial real estate data.
Murray is a Census city of 18,080 people across 11.69 square miles of land, in Calloway County. Median household income is $44,091, 41.7 percent of occupied homes are owned, and the SBA record carries 17 7(a) approvals to borrowers here worth $6.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Murray
What Murray is
- Census place typecity
- Land area11.69 sq mi
- Water area0.03 sq mi
- Population per square mile of land1,546
- County holding the largest share of its areaCalloway 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.
Murray
How many people live in Murray
- Population18,080
- Median age25.8
- Population under 182,824
- Share under 1815.6 percent
- Population 65 and over2,364
- Share 65 and over13.1 percent
- Households6,802
- Family households3,292
- Share of households that are families48.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Murray
Income and work in Murray
- Median household income$44,091
- Per capita income$26,129
- Civilian labor force8,778
- Employed8,270
- Unemployed508 plus or minus 226
- Unemployment rate5.8 percent plus or minus 2.6
- Adults 25 and over9,332
- Adults 25 and over with a high school diploma or higher90.6 percent
- Adults 25 and over with a bachelor degree or higher36.1 percent
- Adults 25 and over with a graduate degree15.5 percent plus or minus 3.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Murray
Housing in Murray
- Housing units7,844
- Occupied units6,802
- Vacant units1,042 plus or minus 231
- Vacancy rate13.3 percent plus or minus 2.9
- Owner occupied2,834
- Renter occupied3,968
- Ownership rate41.7 percent
- Median owner-occupied home value$195,000
- Median gross rent, monthly$870
- Annual rent as a share of median income23.7 percent
- Single family units4,186
- Share single family53.4 percent
- Units in buildings of two or more3,279
- Share in buildings of two or more41.8 percent
- Mobile homes379 plus or minus 117
- Median year structure built1980
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Murray
How Murray gets to work
- Workers 16 and over who commute7,603
- Commuting under 15 minutes5,685
- Share commuting under 15 minutes74.8 percent
- Commuting 30 minutes or more860 plus or minus 262
- Share commuting 30 minutes or more11.3 percent plus or minus 3.3
- Drove alone72.7 percent
- Carpooled7.2 percent plus or minus 2.1
- Public transport0.0 percent
- Walked12.5 percent plus or minus 3.5
- Worked from home6.6 percent plus or minus 1.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Murray
SBA loans in Murray (7(a))
- Approvals17
- Gross approval$6,870,600
- Average approval$404,153
- Median approval$100,000
- Largest approval$2,600,000
- Jobs supported180
- Jobs per approval10.6
- Loans with a final outcome8
- Paid in full7
- Charged off1
- Median term84 months
- Share on real estate terms of 20 years or more5.9 percent
- Share to franchises0.0 percent
- Distinct lenders6
- Distinct industries by NAICS14
Counted by borrower city: approvals to borrowers whose address is in Murray, 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.
Murray
SBA loans in Murray (504)
- Approvals1
- Gross approval$820,000
- Average approval$820,000
- Median approval$820,000
- Largest approval$820,000
- Jobs supported6
- Loans with a final outcome0
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Murray, 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.
Murray
Flood risk in Murray
- NFIP communityCity of Murray
- NFIP community number210033
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/29/10
The City of Murray participates in the National Flood Insurance Program as community 210033 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.
Calloway County, not Murray
Calloway County context, not Murray figures
- Establishments in Calloway County906
- Covered employment, Calloway County15,570
- Average annual pay, Calloway County$46,250
- Housing units permitted, Calloway County81
Every figure in this section is published for Calloway County as a whole and is not a measurement of Murray.
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
Murray questions, answered from the record.
How many people live in Murray, Kentucky?
18,080, in 6,802 households. Murray city covers 11.69 square miles of land, which is 1,546 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Murray in?
Calloway 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 Murray?
$44,091. The median owner-occupied home is valued at $195,000. Median gross rent is $870 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Murray businesses?
17 7(a) approvals totaling $6.9 m since FY2020, across 6 lenders, median approval $100,000, plus 1 504 approvals worth $820,000 since FY2010. These count approvals to borrowers whose address is in Murray, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Murray borrowers get paid back?
No rate is published for Murray. 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 Murray in the National Flood Insurance Program?
Yes. Murray appears in the FEMA Community Status Book as Murray, city of, community 210033, 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 Murray figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Calloway 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 Murray.
Is zoning published for Murray?
No. Nothing on this page presents parcel level zoning.