HomeKentuckyCampbell CountyFort Thomas
Fort Thomas, Kentucky: commercial real estate data.
Fort Thomas is a Census city of 17,169 people across 5.67 square miles of land, in Campbell County. Median household income is $104,350, 71.2 percent of occupied homes are owned, and the SBA record carries 16 7(a) approvals to borrowers here worth $5.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Fort Thomas
What Fort Thomas is
- Census place typecity
- Land area5.67 sq mi
- Water area0.02 sq mi
- Population per square mile of land3,026
- County holding the largest share of its areaCampbell 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.
Fort Thomas
How many people live in Fort Thomas
- Population17,169
- Median age38.8
- Population under 184,366
- Share under 1825.4 percent
- Population 65 and over2,938
- Share 65 and over17.1 percent
- Households6,568
- Family households4,456
- Share of households that are families67.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fort Thomas
Income and work in Fort Thomas
- Median household income$104,350
- Per capita income$54,407
- Civilian labor force9,112
- Employed8,794
- Unemployed318 plus or minus 173
- Unemployment rate3.5 percent plus or minus 1.9
- Adults 25 and over11,785
- Adults 25 and over with a high school diploma or higher97.0 percent
- Adults 25 and over with a bachelor degree or higher55.3 percent
- Adults 25 and over with a graduate degree23.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fort Thomas
Housing in Fort Thomas
- Housing units6,764
- Occupied units6,568
- Vacant units196 plus or minus 106
- Vacancy rate2.9 percent plus or minus 1.6
- Owner occupied4,676
- Renter occupied1,892
- Ownership rate71.2 percent
- Median owner-occupied home value$335,000
- Median gross rent, monthly$1,126
- Annual rent as a share of median income12.9 percent
- Single family units4,831
- Share single family71.4 percent
- Units in buildings of two or more1,929
- Share in buildings of two or more28.5 percent
- Mobile homes4 plus or minus 10
- Median year structure built1955
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fort Thomas
How Fort Thomas gets to work
- Workers 16 and over who commute7,140
- Commuting under 15 minutes2,211
- Share commuting under 15 minutes31.0 percent
- Commuting 30 minutes or more1,862
- Share commuting 30 minutes or more26.1 percent
- Drove alone73.2 percent
- Carpooled6.1 percent plus or minus 2.2
- Public transport0.9 percent plus or minus 0.6
- Walked1.1 percent plus or minus 0.7
- Worked from home17.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fort Thomas
SBA loans in Fort Thomas (7(a))
- Approvals16
- Gross approval$5,438,200
- Average approval$339,888
- Median approval$176,500
- Largest approval$1,000,000
- Jobs supported63
- Jobs per approval3.9
- Loans with a final outcome5
- Paid in full5
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more12.5 percent
- Share to franchises0.0 percent
- Distinct lenders7
- Distinct industries by NAICS11
Counted by borrower city: approvals to borrowers whose address is in Fort Thomas, in any county, FY2020 to FY2026. Only 5 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.
Fort Thomas
SBA loans in Fort Thomas (504)
- Approvals1
- Gross approval$191,000
- Average approval$191,000
- Median approval$191,000
- Largest approval$191,000
- Jobs supported30
- Loans with a final outcome0
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Fort Thomas, 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.
Fort Thomas
Flood risk in Fort Thomas
- NFIP communityCity of Fort Thomas
- NFIP community number210038
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date08/10/21
The City of Fort Thomas participates in the National Flood Insurance Program as community 210038 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.
Campbell County, not Fort Thomas
Campbell County context, not Fort Thomas figures
- Establishments in Campbell County1,743
- Covered employment, Campbell County31,709
- Average annual pay, Campbell County$57,401
- Housing units permitted, Campbell County249
Every figure in this section is published for Campbell County as a whole and is not a measurement of Fort Thomas.
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
Fort Thomas questions, answered from the record.
How many people live in Fort Thomas, Kentucky?
17,169, in 6,568 households. Fort Thomas city covers 5.67 square miles of land, which is 3,026 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Fort Thomas in?
Campbell 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 Fort Thomas?
$104,350. The median owner-occupied home is valued at $335,000. Median gross rent is $1,126 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Fort Thomas businesses?
16 7(a) approvals totaling $5.4 m since FY2020, across 7 lenders, median approval $176,500, plus 1 504 approvals worth $191,000 since FY2010. These count approvals to borrowers whose address is in Fort Thomas, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Fort Thomas borrowers get paid back?
No rate is published for Fort Thomas. Only 5 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 Fort Thomas in the National Flood Insurance Program?
Yes. Fort Thomas appears in the FEMA Community Status Book as Fort Thomas, city of, community 210038, 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 Fort Thomas figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Campbell 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 Fort Thomas.
Is zoning published for Fort Thomas?
No. Nothing on this page presents parcel level zoning.