HomeKentuckyLincoln CountyStanford
Stanford, Kentucky: commercial real estate data.
Stanford is a Census city of 3,643 people across 4.79 square miles of land, in Lincoln County. Median household income is $49,337, 67.3 percent of occupied homes are owned, and the SBA record carries 4 7(a) approvals to borrowers here worth $1.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Stanford
What Stanford is
- Census place typecity
- Land area4.79 sq mi
- Water area0.04 sq mi
- Population per square mile of land760
- County holding the largest share of its areaLincoln 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.
Stanford
How many people live in Stanford
- Population3,643
- Median age49.3
- Population under 18758 plus or minus 192
- Share under 1820.8 percent plus or minus 5.3
- Population 65 and over918 plus or minus 246
- Share 65 and over25.2 percent plus or minus 6.7
- Households1,662
- Family households906
- Share of households that are families54.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stanford
Income and work in Stanford
- Median household income$49,337 plus or minus $12,771
- Per capita income$29,691
- Civilian labor force1,495
- Employed1,478
- Unemployed17 plus or minus 19
- Unemployment rate1.1 percent plus or minus 1.3
- Adults 25 and over2,708
- Adults 25 and over with a high school diploma or higher90.4 percent
- Adults 25 and over with a bachelor degree or higher18.4 percent plus or minus 5.3
- Adults 25 and over with a graduate degree8.5 percent plus or minus 3.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stanford
Housing in Stanford
- Housing units1,892
- Occupied units1,662
- Vacant units230 plus or minus 115
- Vacancy rate12.2 percent plus or minus 5.9
- Owner occupied1,118
- Renter occupied544 plus or minus 197
- Ownership rate67.3 percent
- Median owner-occupied home value$155,000
- Median gross rent, monthly$669
- Annual rent as a share of median income16.3 percent plus or minus 4.3
- Single family units1,467
- Share single family77.5 percent
- Units in buildings of two or more341 plus or minus 108
- Share in buildings of two or more18.0 percent plus or minus 5.4
- Mobile homes84 plus or minus 70
- Median year structure built1978
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stanford
How Stanford gets to work
- Workers 16 and over who commute1,298
- Commuting under 15 minutes372 plus or minus 130
- Share commuting under 15 minutes28.7 percent plus or minus 8.8
- Commuting 30 minutes or more464 plus or minus 148
- Share commuting 30 minutes or more35.7 percent plus or minus 9.8
- Drove alone83.7 percent
- Carpooled2.9 percent plus or minus 2.7
- Public transport0.0 percent
- Walked3.3 percent plus or minus 2.9
- Worked from home10.0 percent plus or minus 6.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stanford
SBA loans in Stanford (7(a))
- Approvals4
- Gross approval$1,649,100
- Average approval$412,275
- Median approval$394,750
- Largest approval$678,600
- Jobs supported53
- Jobs per approval13.3
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more25.0 percent
- Share to franchises25.0 percent
- Distinct lenders4
- Distinct industries by NAICS3
Counted by borrower city: approvals to borrowers whose address is in Stanford, 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.
Stanford
SBA loans in Stanford (504)
- Approvals1
- Gross approval$1,121,000
- Average approval$1,121,000
- Median approval$1,121,000
- Largest approval$1,121,000
- Jobs supported65
- Loans with a final outcome0
- Charged off0
- Median term120 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Stanford, 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.
Stanford
Flood risk in Stanford
- NFIP communityCity of Stanford
- NFIP community number210145
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/17/10(M)
The City of Stanford participates in the National Flood Insurance Program as community 210145 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.
Lincoln County, not Stanford
Lincoln County context, not Stanford figures
- Establishments in Lincoln County304
- Covered employment, Lincoln County3,920
- Average annual pay, Lincoln County$44,735
- Housing units permitted, Lincoln County91
Every figure in this section is published for Lincoln County as a whole and is not a measurement of Stanford.
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
Stanford questions, answered from the record.
How many people live in Stanford, Kentucky?
3,643, in 1,662 households. Stanford city covers 4.79 square miles of land, which is 760 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Stanford in?
Lincoln 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 Stanford?
$49,337. The median owner-occupied home is valued at $155,000. Median gross rent is $669 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Stanford businesses?
4 7(a) approvals totaling $1.6 m since FY2020, across 4 lenders, median approval $394,750, plus 1 504 approvals worth $1.1 m since FY2010. These count approvals to borrowers whose address is in Stanford, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Stanford borrowers get paid back?
No rate is published for Stanford. 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 Stanford in the National Flood Insurance Program?
Yes. Stanford appears in the FEMA Community Status Book as Stanford, city of, community 210145, 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 Stanford figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Lincoln 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 Stanford.
Is zoning published for Stanford?
No. Nothing on this page presents parcel level zoning.
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