HomeKentuckyHardin CountyRadcliff
Radcliff, Kentucky: commercial real estate data.
Radcliff is a Census city of 22,864 people across 13.38 square miles of land, in Hardin County. Median household income is $58,559, 50.4 percent of occupied homes are owned, and the SBA record carries 8 7(a) approvals to borrowers here worth $5.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Radcliff
What Radcliff is
- Census place typecity
- Land area13.38 sq mi
- Water area0.03 sq mi
- Population per square mile of land1,709
- County holding the largest share of its areaHardin 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.
Radcliff
How many people live in Radcliff
- Population22,864
- Median age36.9
- Population under 185,813
- Share under 1825.4 percent
- Population 65 and over3,169
- Share 65 and over13.9 percent
- Households9,592
- Family households5,449
- Share of households that are families56.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Radcliff
Income and work in Radcliff
- Median household income$58,559
- Per capita income$32,154
- Civilian labor force10,802
- Employed9,798
- Unemployed1,004 plus or minus 314
- Unemployment rate9.3 percent plus or minus 2.9
- Adults 25 and over15,246
- Adults 25 and over with a high school diploma or higher89.0 percent
- Adults 25 and over with a bachelor degree or higher18.3 percent
- Adults 25 and over with a graduate degree5.2 percent plus or minus 1.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Radcliff
Housing in Radcliff
- Housing units10,249
- Occupied units9,592
- Vacant units657 plus or minus 285
- Vacancy rate6.4 percent plus or minus 2.8
- Owner occupied4,836
- Renter occupied4,756
- Ownership rate50.4 percent
- Median owner-occupied home value$169,600
- Median gross rent, monthly$971
- Annual rent as a share of median income19.9 percent
- Single family units6,170
- Share single family60.2 percent
- Units in buildings of two or more3,135
- Share in buildings of two or more30.6 percent
- Mobile homes944 plus or minus 324
- Median year structure built1983
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Radcliff
How Radcliff gets to work
- Workers 16 and over who commute8,994
- Commuting under 15 minutes2,387
- Share commuting under 15 minutes26.5 percent
- Commuting 30 minutes or more2,813
- Share commuting 30 minutes or more31.3 percent
- Drove alone77.3 percent
- Carpooled10.5 percent plus or minus 2.9
- Public transport0.1 percent plus or minus 0.1
- Walked1.5 percent plus or minus 1.3
- Worked from home9.4 percent plus or minus 2.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Radcliff
SBA loans in Radcliff (7(a))
- Approvals8
- Gross approval$5,945,300
- Average approval$743,163
- Median approval$350,000
- Largest approval$2,537,000
- Jobs supported291
- Jobs per approval36.4
- Loans with a final outcome3
- Paid in full2
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more25.0 percent
- Share to franchises37.5 percent
- Distinct lenders7
- Distinct industries by NAICS7
Counted by borrower city: approvals to borrowers whose address is in Radcliff, in any county, FY2020 to FY2026. Only 3 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.
Radcliff
SBA loans in Radcliff (504)
- Approvals2
- Gross approval$1,559,000
- Average approval$779,500
- Median approval$779,500
- Largest approval$1,229,000
- Jobs supported75
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Radcliff, 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.
Radcliff
Flood risk in Radcliff
- NFIP communityCity of Radcliff
- NFIP community number210366
- Participating in the NFIPYes
- Community Rating System classClass 9
- Currently effective map date10/16/25
The City of Radcliff participates in the National Flood Insurance Program as community 210366 and carries Community Rating System class 9, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Hardin County, not Radcliff
Hardin County context, not Radcliff figures
- Establishments in Hardin County2,253
- Covered employment, Hardin County48,897
- Average annual pay, Hardin County$55,787
- Housing units permitted, Hardin County945
Every figure in this section is published for Hardin County as a whole and is not a measurement of Radcliff.
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
Radcliff questions, answered from the record.
How many people live in Radcliff, Kentucky?
22,864, in 9,592 households. Radcliff city covers 13.38 square miles of land, which is 1,709 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Radcliff in?
Hardin 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 Radcliff?
$58,559. The median owner-occupied home is valued at $169,600. Median gross rent is $971 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Radcliff businesses?
8 7(a) approvals totaling $5.9 m since FY2020, across 7 lenders, median approval $350,000, plus 2 504 approvals worth $1.6 m since FY2010. These count approvals to borrowers whose address is in Radcliff, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Radcliff borrowers get paid back?
No rate is published for Radcliff. Only 3 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 Radcliff in the National Flood Insurance Program?
Yes. Radcliff appears in the FEMA Community Status Book as Radcliff, city of, community 210366, carrying Community Rating System class 9, 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 Radcliff figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Hardin 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 Radcliff.
Is zoning published for Radcliff?
No. Nothing on this page presents parcel level zoning.
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