HomeKentuckyMorgan CountyWest Liberty
West Liberty, Kentucky: commercial real estate data.
West Liberty is a Census city of 3,295 people across 4.90 square miles of land, in Morgan County. Median household income is $48,235, 58.5 percent of occupied homes are owned, and the SBA record carries 3 7(a) approvals to borrowers here worth $165,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
West Liberty
What West Liberty is
- Census place typecity
- Land area4.9 sq mi
- Water area0.03 sq mi
- Population per square mile of land672
- County holding the largest share of its areaMorgan 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.
West Liberty
How many people live in West Liberty
- Population3,295
- Median age42.7
- Population under 18276 plus or minus 89
- Share under 188.4 percent plus or minus 2.7
- Population 65 and over477 plus or minus 118
- Share 65 and over14.5 percent plus or minus 3.6
- Households674
- Family households416 plus or minus 85
- Share of households that are families61.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
West Liberty
Income and work in West Liberty
- Median household income$48,235 plus or minus $18,064
- Per capita income$16,380
- Civilian labor force630 plus or minus 138
- Employed590 plus or minus 133
- Unemployed40 plus or minus 37
- Unemployment rate6.3 percent plus or minus 5.7
- Adults 25 and over2,897
- Adults 25 and over with a high school diploma or higher84.2 percent
- Adults 25 and over with a bachelor degree or higher14.8 percent plus or minus 4.5
- Adults 25 and over with a graduate degree7.1 percent plus or minus 2.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
West Liberty
Housing in West Liberty
- Housing units721
- Occupied units674
- Vacant units47 plus or minus 31
- Vacancy rate6.5 percent plus or minus 4.2
- Owner occupied394
- Renter occupied280 plus or minus 97
- Ownership rate58.5 percent
- Median owner-occupied home value$206,300
- Median gross rent, monthly$600 plus or minus $154
- Annual rent as a share of median income14.9 percent plus or minus 6.8
- Single family units475
- Share single family65.9 percent
- Units in buildings of two or more207 plus or minus 69
- Share in buildings of two or more28.7 percent plus or minus 8.6
- Mobile homes39 plus or minus 20
- Median year structure built1981
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
West Liberty
How West Liberty gets to work
- Workers 16 and over who commute540 plus or minus 117
- Commuting under 15 minutes364 plus or minus 112
- Share commuting under 15 minutes67.4 percent plus or minus 14.6
- Commuting 30 minutes or more139 plus or minus 66
- Share commuting 30 minutes or more25.7 percent plus or minus 10.8
- Drove alone71.4 percent
- Carpooled18.1 percent plus or minus 14.0
- Public transport1.4 percent plus or minus 1.1
- Walked0.7 percent plus or minus 1.3
- Worked from home8.5 percent plus or minus 7.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
West Liberty
SBA loans in West Liberty (7(a))
- Approvals3
- Gross approval$165,000
- Average approval$55,000
- Median approval$45,000
- Largest approval$90,000
- Jobs supported6
- Jobs per approval2.0
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term84 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 West Liberty, in any county, FY2020 to FY2026. Only 2 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.
West Liberty
Flood risk in West Liberty
- NFIP communityCity of West Liberty
- NFIP community number210174
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date08/19/08(M)
The City of West Liberty participates in the National Flood Insurance Program as community 210174 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.
Morgan County, not West Liberty
Morgan County context, not West Liberty figures
- Establishments in Morgan County160
- Covered employment, Morgan County3,293
- Average annual pay, Morgan County$47,329
- Housing units permitted, Morgan County1
Every figure in this section is published for Morgan County as a whole and is not a measurement of West Liberty.
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
West Liberty questions, answered from the record.
How many people live in West Liberty, Kentucky?
3,295, in 674 households. West Liberty city covers 4.90 square miles of land, which is 672 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is West Liberty in?
Morgan 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 West Liberty?
$48,235. The median owner-occupied home is valued at $206,300. Median gross rent is $600 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to West Liberty businesses?
3 7(a) approvals totaling $165,000 since FY2020, across 2 lenders, median approval $45,000. These count approvals to borrowers whose address is in West Liberty, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to West Liberty borrowers get paid back?
No rate is published for West Liberty. Only 2 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 West Liberty in the National Flood Insurance Program?
Yes. West Liberty appears in the FEMA Community Status Book as West Liberty, city of, community 210174, 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 West Liberty figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Morgan 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 West Liberty.
Is zoning published for West Liberty?
No. Nothing on this page presents parcel level zoning.