HomeKentuckyKenton CountyLudlow
Ludlow, Kentucky: commercial real estate data.
Ludlow 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 since FY2020.
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
- 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
Counted by borrower city: approvals to borrowers whose address is in Ludlow, 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.
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
Counted by borrower city: approvals to borrowers whose address is in Ludlow, 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.
Ludlow
Flood risk in Ludlow
- NFIP communityCity of Ludlow
- NFIP community number210266
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date05/16/13
The City of Ludlow participates in the National Flood Insurance Program as community 210266 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 Ludlow
Kenton County context, not Ludlow 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 Ludlow.
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
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 totaling $294,500 since FY2020, across 4 lenders, median approval $40,000, plus 1 504 approvals worth $564,000 since FY2010. 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 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 Ludlow in the National Flood Insurance Program?
Yes. Ludlow appears in the FEMA Community Status Book as Ludlow, city of, community 210266, 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 Ludlow 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 Ludlow.
Is zoning published for Ludlow?
No. Nothing on this page presents parcel level zoning.