HomeKentuckyHarlan CountyHarlan
Harlan, Kentucky: commercial real estate data.
Harlan is a Census city of 2,160 people across 1.36 square miles of land, in Harlan County. Median household income is $32,408, 41.2 percent of occupied homes are owned, and the SBA record carries 1 7(a) approvals to borrowers here worth $257,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Harlan
What Harlan is
- Census place typecity
- Land area1.36 sq mi
- Water area0.03 sq mi
- Population per square mile of land1,588
- County holding the largest share of its areaHarlan 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.
Harlan
How many people live in Harlan
- Population2,160
- Median age40.8
- Population under 18488 plus or minus 134
- Share under 1822.6 percent plus or minus 4.9
- Population 65 and over379 plus or minus 109
- Share 65 and over17.5 percent plus or minus 4.1
- Households1,047
- Family households591
- Share of households that are families56.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harlan
Income and work in Harlan
- Median household income$32,408
- Per capita income$22,316
- Civilian labor force768 plus or minus 196
- Employed676 plus or minus 180
- Unemployed92 plus or minus 72
- Unemployment rate12.0 percent plus or minus 8.9
- Adults 25 and over1,562
- Adults 25 and over with a high school diploma or higher78.8 percent
- Adults 25 and over with a bachelor degree or higher26.2 percent plus or minus 5.6
- Adults 25 and over with a graduate degree14.0 percent plus or minus 4.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harlan
Housing in Harlan
- Housing units1,178
- Occupied units1,047
- Vacant units131 plus or minus 73
- Vacancy rate11.1 percent plus or minus 6.0
- Owner occupied431 plus or minus 100
- Renter occupied616 plus or minus 140
- Ownership rate41.2 percent
- Median owner-occupied home value$89,200 plus or minus $23,021
- Median gross rent, monthly$543
- Annual rent as a share of median income20.1 percent
- Single family units638 plus or minus 128
- Share single family54.2 percent
- Units in buildings of two or more535 plus or minus 132
- Share in buildings of two or more45.4 percent plus or minus 9.2
- Mobile homes5 plus or minus 9
- Median year structure built1964
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harlan
How Harlan gets to work
- Workers 16 and over who commute644 plus or minus 175
- Commuting under 15 minutes435 plus or minus 125
- Share commuting under 15 minutes67.5 percent
- Commuting 30 minutes or more154 plus or minus 84
- Share commuting 30 minutes or more23.9 percent plus or minus 11.3
- Drove alone76.2 percent
- Carpooled15.2 percent plus or minus 8.4
- Public transport0.0 percent
- Walked3.8 percent plus or minus 2.6
- Worked from home4.7 percent plus or minus 3.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harlan
SBA loans in Harlan (7(a))
- Approvals1
- Gross approval$257,000
- Average approval$257,000
- Median approval$257,000
- Largest approval$257,000
- Jobs supported3
- Jobs per approval3.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term156 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders1
- Distinct industries by NAICS1
Counted by borrower city: approvals to borrowers whose address is in Harlan, in any county, FY2020 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, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Harlan
Flood risk in Harlan
- NFIP communityCity of Harlan
- NFIP community number210102
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date08/10/21
The City of Harlan participates in the National Flood Insurance Program as community 210102 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.
Harlan County, not Harlan
Harlan County context, not Harlan figures
- Establishments in Harlan County370
- Covered employment, Harlan County6,280
- Average annual pay, Harlan County$44,461
- Housing units permitted, Harlan County0
Every figure in this section is published for Harlan County as a whole and is not a measurement of Harlan.
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
Harlan questions, answered from the record.
How many people live in Harlan, Kentucky?
2,160, in 1,047 households. Harlan city covers 1.36 square miles of land, which is 1,588 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Harlan in?
Harlan 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 Harlan?
$32,408. The median owner-occupied home is valued at $89,200. Median gross rent is $543 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Harlan businesses?
1 7(a) approvals totaling $257,000 since FY2020, across 1 lenders, median approval $257,000. These count approvals to borrowers whose address is in Harlan, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Harlan borrowers get paid back?
No rate is published for Harlan. Only 0 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 Harlan in the National Flood Insurance Program?
Yes. Harlan appears in the FEMA Community Status Book as Harlan, city of, community 210102, 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 Harlan figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Harlan 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 Harlan.
Is zoning published for Harlan?
No. Nothing on this page presents parcel level zoning.
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