HomeKentuckyMorgan CountyWest Liberty city
West Liberty city, Kentucky: commercial real estate data.
West Liberty city 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.
66 sourced place values · tier FULL · 7 sections
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 7(a) lending to West Liberty borrowers
- Approvals3
- Gross approval$165,000
- Average approval$55,000
- Median approval$45,000
- Ninetieth percentile approval$90,000
- 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
A charge-off rate is not published here. only 2 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.
Morgan County, not West Liberty
Morgan County context, not West Liberty figures
These are Morgan County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as West Liberty measurements.
- Establishments in Morgan County160
- Employment at those establishments, Morgan County2,010
- Covered employment, Morgan County3,293
- Average annual pay, Morgan County$47,329
- Average weekly wage, Morgan County$910
- Housing units permitted, Morgan County1
- Of those, single family, Morgan County1
- County product, 2024, Morgan County$377,676,000
- County product change over the prior year, Morgan County8.0 percent
- Average income of an arriving household, Morgan County$32,067
Every figure in this section is published for Morgan County as a whole and is not a measurement of West Liberty. 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
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 totalling $165,000, 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 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 West Liberty figures?
No, and they are labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.