HomeKentuckyMuhlenberg CountyCentral City
Central City, Kentucky: commercial real estate data.
Central City is a Census city of 5,707 people across 5.30 square miles of land, in Muhlenberg County. Median household income is $50,885, 59.4 percent of occupied homes are owned, and the SBA record carries 5 7(a) approvals to borrowers here worth $10.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Central City
What Central City is
- Census place typecity
- Land area5.3 sq mi
- Water area0.01 sq mi
- Population per square mile of land1,077
- County holding the largest share of its areaMuhlenberg 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.
Central City
How many people live in Central City
- Population5,707
- Median age37.5
- Population under 181,137 plus or minus 291
- Share under 1819.9 percent plus or minus 5.1
- Population 65 and over763 plus or minus 226
- Share 65 and over13.4 percent plus or minus 4.0
- Households2,089
- Family households1,373
- Share of households that are families65.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Central City
Income and work in Central City
- Median household income$50,885
- Per capita income$24,345
- Civilian labor force2,555
- Employed2,316
- Unemployed239 plus or minus 129
- Unemployment rate9.4 percent plus or minus 4.9
- Adults 25 and over3,937
- Adults 25 and over with a high school diploma or higher83.6 percent
- Adults 25 and over with a bachelor degree or higher5.7 percent plus or minus 2.6
- Adults 25 and over with a graduate degree3.4 percent plus or minus 2.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Central City
Housing in Central City
- Housing units2,312
- Occupied units2,089
- Vacant units223 plus or minus 130
- Vacancy rate9.6 percent plus or minus 5.6
- Owner occupied1,240
- Renter occupied849 plus or minus 219
- Ownership rate59.4 percent
- Median owner-occupied home value$143,600
- Median gross rent, monthly$683
- Annual rent as a share of median income16.1 percent
- Single family units1,731
- Share single family74.9 percent
- Units in buildings of two or more359 plus or minus 157
- Share in buildings of two or more15.5 percent plus or minus 6.6
- Mobile homes222 plus or minus 128
- Median year structure built1975
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Central City
How Central City gets to work
- Workers 16 and over who commute2,184
- Commuting under 15 minutes707 plus or minus 249
- Share commuting under 15 minutes32.4 percent plus or minus 10.6
- Commuting 30 minutes or more572 plus or minus 215
- Share commuting 30 minutes or more26.2 percent plus or minus 9.2
- Drove alone92.7 percent
- Carpooled4.1 percent plus or minus 2.9
- Public transport0.0 percent
- Walked2.2 percent plus or minus 2.2
- Worked from home1.0 percent plus or minus 1.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Central City
SBA loans in Central City (7(a))
- Approvals5
- Gross approval$10,268,500
- Average approval$2,053,700
- Median approval$1,540,000
- Largest approval$4,768,000
- Jobs supported100
- Jobs per approval20.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term300 months
- Share on real estate terms of 20 years or more60.0 percent
- Share to franchises40.0 percent
- Distinct lenders3
- Distinct industries by NAICS3
Counted by borrower city: approvals to borrowers whose address is in Central City, 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.
Central City
Flood risk in Central City
- NFIP communityCity of Central City
- NFIP community number210175
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date10/16/13
The City of Central City participates in the National Flood Insurance Program as community 210175 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.
Muhlenberg County, not Central City
Muhlenberg County context, not Central City figures
- Establishments in Muhlenberg County537
- Covered employment, Muhlenberg County8,091
- Average annual pay, Muhlenberg County$54,582
- Housing units permitted, Muhlenberg County5
Every figure in this section is published for Muhlenberg County as a whole and is not a measurement of Central City.
All Muhlenberg County figures →
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
Central City questions, answered from the record.
How many people live in Central City, Kentucky?
5,707, in 2,089 households. Central City city covers 5.30 square miles of land, which is 1,077 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Central City in?
Muhlenberg 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 Central City?
$50,885. The median owner-occupied home is valued at $143,600. Median gross rent is $683 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Central City businesses?
5 7(a) approvals totaling $10.3 m since FY2020, across 3 lenders, median approval $1,540,000. These count approvals to borrowers whose address is in Central City, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Central City borrowers get paid back?
No rate is published for Central City. 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 Central City in the National Flood Insurance Program?
Yes. Central City appears in the FEMA Community Status Book as Central City, city of, community 210175, 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 Central City figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Muhlenberg 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 Central City.
Is zoning published for Central City?
No. Nothing on this page presents parcel level zoning.
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