HomeKentuckyKenton CountyLudlow city
Ludlow city, Kentucky: commercial real estate data.
Ludlow city is a Census city of 4,378 people across 0.92 square miles of land, in Kenton County. Median household income is $65,284, 76.1 percent of occupied homes are owned, and the SBA record carries 5 7(a) approvals to borrowers here worth $294,500.
76 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Ludlow
What Ludlow is
- Census place typecity
- Land area0.92 sq mi
- Water area0.36 sq mi
- Population per square mile of land4,781
- 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.
Ludlow
How many people live in Ludlow
- Population4,378
- Median age37.4
- Population under 181,121 plus or minus 231
- Share under 1825.6 percent plus or minus 5.3
- Population 65 and over664 plus or minus 191
- Share 65 and over15.2 percent plus or minus 4.4
- Households1,912
- Family households927
- Share of households that are families48.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ludlow
Income and work in Ludlow
- Median household income$65,284
- Per capita income$34,334
- Civilian labor force2,275
- Employed2,179
- Unemployed96 plus or minus 67
- Unemployment rate4.2 percent plus or minus 2.9
- Adults 25 and over2,855
- Adults 25 and over with a high school diploma or higher95.8 percent
- Adults 25 and over with a bachelor degree or higher38.4 percent
- Adults 25 and over with a graduate degree9.1 percent plus or minus 3.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ludlow
Housing in Ludlow
- Housing units2,140
- Occupied units1,912
- Vacant units228 plus or minus 121
- Vacancy rate10.7 percent plus or minus 5.6
- Owner occupied1,455
- Renter occupied457 plus or minus 126
- Ownership rate76.1 percent
- Median owner-occupied home value$184,800
- Median gross rent, monthly$1,233 plus or minus $379
- Annual rent as a share of median income22.7 percent plus or minus 7.8
- Single family units1,707
- Share single family79.8 percent
- Units in buildings of two or more433 plus or minus 166
- Share in buildings of two or more20.2 percent plus or minus 7.5
- Mobile homes0
- Median year structure built1938
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ludlow
How Ludlow gets to work
- Workers 16 and over who commute1,881
- Commuting under 15 minutes489 plus or minus 193
- Share commuting under 15 minutes26.0 percent plus or minus 9.0
- Commuting 30 minutes or more334 plus or minus 107
- Share commuting 30 minutes or more17.8 percent plus or minus 4.6
- Drove alone76.8 percent
- Carpooled6.1 percent plus or minus 3.3
- Public transport0.4 percent plus or minus 0.6
- Walked3.0 percent plus or minus 2.4
- Worked from home12.6 percent plus or minus 5.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ludlow
SBA loans in Ludlow (7(a))
- Approvals5
- Gross approval$294,500
- Average approval$58,900
- Median approval$40,000
- Ninetieth percentile approval$165,000
- Largest approval$165,000
- Jobs supported14
- Jobs per approval2.8
- 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 lenders4
- Distinct industries by NAICS4
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.
Ludlow
SBA loans in Ludlow (504)
- Approvals1
- Gross approval$564,000
- Average approval$564,000
- Median approval$564,000
- Largest approval$564,000
- Jobs supported30
- Loans with a final outcome1
- 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 Ludlow
Kenton County context, not Ludlow 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 Ludlow 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 Ludlow. 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
Ludlow questions, answered from the record.
How many people live in Ludlow, Kentucky?
4,378, in 1,912 households. Ludlow city covers 0.92 square miles of land, which is 4,781 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Ludlow 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 Ludlow?
$65,284. The median owner-occupied home is valued at $184,800. Median gross rent is $1,233 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Ludlow businesses?
5 7(a) approvals totalling $294,500, across 4 lenders, median approval $40,000, plus 1 504 approvals worth $564,000. These count approvals to borrowers whose address is in Ludlow, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Ludlow borrowers get paid back?
No rate is published for Ludlow. 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 Ludlow 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 Ludlow.
Is zoning published for Ludlow?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.