HomeKentuckyMuhlenberg CountyCentral City city
Central City city, Kentucky: commercial real estate data.
Central City 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.
66 sourced place values · tier FULL · 7 sections
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 7(a) lending to Central City borrowers
- Approvals5
- Gross approval$10,268,500
- Average approval$2,053,700
- Median approval$1,540,000
- Ninetieth percentile approval$4,768,000
- 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
A charge-off rate is not published here. only 0 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.
Muhlenberg County, not Central City
Muhlenberg County context, not Central City figures
These are Muhlenberg County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Central City measurements.
- Establishments in Muhlenberg County537
- Employment at those establishments, Muhlenberg County6,372
- Covered employment, Muhlenberg County8,091
- Average annual pay, Muhlenberg County$54,582
- Average weekly wage, Muhlenberg County$1,050
- Housing units permitted, Muhlenberg County5
- Of those, single family, Muhlenberg County5
- County product, 2024, Muhlenberg County$1,543,682,000
- County product change over the prior year, Muhlenberg County4.0 percent
- Average income of an arriving household, Muhlenberg County$43,898
Every figure in this section is published for Muhlenberg County as a whole and is not a measurement of Central City. 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
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 totalling $10.3 m, 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 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 Central City figures?
No, and they are labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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