HomeKentuckyKenton CountyElsmere city
Elsmere city, Kentucky: commercial real estate data.
Elsmere city is a Census city of 9,205 people across 2.63 square miles of land, in Kenton County. Median household income is $60,503, 75.1 percent of occupied homes are owned, and the SBA record carries 4 7(a) approvals to borrowers here worth $1.1 m.
76 sourced place values · tier FULL · 8 sections
Elsmere
What Elsmere is
- Census place typecity
- Land area2.63 sq mi
- Water area0.02 sq mi
- Population per square mile of land3,502
- County holding the largest share of its areaKenton 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.
Elsmere
How many people live in Elsmere
- Population9,205
- Median age30.6
- Population under 182,212
- Share under 1824.0 percent
- Population 65 and over1,098 plus or minus 250
- Share 65 and over11.9 percent plus or minus 2.7
- Households3,400
- Family households2,202
- Share of households that are families64.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elsmere
Income and work in Elsmere
- Median household income$60,503
- Per capita income$30,168
- Civilian labor force5,247
- Employed4,978
- Unemployed269 plus or minus 147
- Unemployment rate5.1 percent plus or minus 2.8
- Adults 25 and over5,812
- Adults 25 and over with a high school diploma or higher90.4 percent
- Adults 25 and over with a bachelor degree or higher24.3 percent plus or minus 7.0
- Adults 25 and over with a graduate degree2.9 percent plus or minus 1.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elsmere
Housing in Elsmere
- Housing units3,716
- Occupied units3,400
- Vacant units316 plus or minus 153
- Vacancy rate8.5 percent plus or minus 4.1
- Owner occupied2,553
- Renter occupied847 plus or minus 267
- Ownership rate75.1 percent
- Median owner-occupied home value$171,900
- Median gross rent, monthly$1,351
- Annual rent as a share of median income26.8 percent plus or minus 5.9
- Single family units2,785
- Share single family74.9 percent
- Units in buildings of two or more587 plus or minus 244
- Share in buildings of two or more15.8 percent plus or minus 6.4
- Mobile homes344 plus or minus 165
- Median year structure built1970
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elsmere
How Elsmere gets to work
- Workers 16 and over who commute4,348
- Commuting under 15 minutes1,587 plus or minus 512
- Share commuting under 15 minutes36.5 percent plus or minus 11.0
- Commuting 30 minutes or more689 plus or minus 254
- Share commuting 30 minutes or more15.8 percent plus or minus 5.5
- Drove alone74.6 percent
- Carpooled11.3 percent plus or minus 4.1
- Public transport0.0 percent
- Walked0.1 percent plus or minus 0.2
- Worked from home10.4 percent plus or minus 3.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elsmere
SBA 7(a) lending to Elsmere borrowers
- Approvals4
- Gross approval$1,141,300
- Average approval$285,325
- Median approval$48,000
- Ninetieth percentile approval$1,047,300
- Largest approval$1,047,300
- Jobs supported12
- Jobs per approval3.0
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders2
- Distinct industries by NAICS2
A charge-off rate is not published here. only 1 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Elsmere
SBA 504 lending to Elsmere borrowers
- Approvals1
- Gross approval$169,000
- Average approval$169,000
- Median approval$169,000
- Largest approval$169,000
- Jobs supported0
- Loans with a final outcome0
- Charged off0
- Median term240 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Kenton County, not Elsmere
Kenton County context, not Elsmere figures
These are Kenton County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Elsmere measurements.
- Establishments in Kenton County3,297
- Employment at those establishments, Kenton County68,018
- Covered employment, Kenton County74,672
- Average annual pay, Kenton County$71,985
- Average weekly wage, Kenton County$1,384
- Housing units permitted, Kenton County699
- Of those, single family, Kenton County366
- County product, 2024, Kenton County$12,391,283,000
- County product change over the prior year, Kenton County5.9 percent
- Average income of an arriving household, Kenton County$64,252
Every figure in this section is published for Kenton County as a whole and is not a measurement of Elsmere. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Elsmere questions, answered from the record.
How many people live in Elsmere, Kentucky?
9,205, in 3,400 households. Elsmere city covers 2.63 square miles of land, which is 3,502 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Elsmere in?
Kenton 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 Elsmere?
$60,503. The median owner-occupied home is valued at $171,900. Median gross rent is $1,351 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Elsmere businesses?
4 7(a) approvals totalling $1.1 m, across 2 lenders, median approval $48,000, plus 1 504 approvals worth $169,000. These count approvals to borrowers whose address is in Elsmere, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Elsmere borrowers get paid back?
No rate is published for Elsmere. only 1 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Elsmere figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Kenton 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 Elsmere.
Is zoning published for Elsmere?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.