HomeKentuckyKenton CountyElsmere
Elsmere, Kentucky: commercial real estate data.
Elsmere 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 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
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 loans in Elsmere (7(a))
- Approvals4
- Gross approval$1,141,300
- Average approval$285,325
- Median approval$36,500
- Largest approval$1,047,300
- Jobs supported12
- Jobs per approval3.0
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term102 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders2
- Distinct industries by NAICS2
Counted by borrower city: approvals to borrowers whose address is in Elsmere, in any county, FY2020 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, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Elsmere
SBA loans in Elsmere (504)
- 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
Counted by borrower city: approvals to borrowers whose address is in Elsmere, 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.
Elsmere
Flood risk in Elsmere
- NFIP communityCity of Elsmere
- NFIP community number210453
- Participating in the NFIPNo
- Community Rating System classNone
- Currently effective map date05/16/13
The City of Elsmere does not participate in the National Flood Insurance Program as community 210453 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.
Kenton County, not Elsmere
Kenton County context, not Elsmere figures
- Establishments in Kenton County3,297
- Covered employment, Kenton County74,672
- Average annual pay, Kenton County$71,985
- Housing units permitted, Kenton County699
Every figure in this section is published for Kenton County as a whole and is not a measurement of Elsmere.
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
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 totaling $1.1 m since FY2020, across 2 lenders, median approval $36,500, plus 1 504 approvals worth $169,000 since FY2010. 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 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Elsmere in the National Flood Insurance Program?
No, it is listed but not participating. Elsmere appears in the FEMA Community Status Book as Elsmere, city of, community 210453, 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 Elsmere figures?
No, and they are labeled 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?
No. Nothing on this page presents parcel level zoning.