HomeKentuckyNelson CountyBardstown
Bardstown, Kentucky: commercial real estate data.
Bardstown is a Census city of 13,804 people across 12.11 square miles of land, in Nelson County. Median household income is $51,381, 61.1 percent of occupied homes are owned, and the SBA record carries 17 7(a) approvals to borrowers here worth $14.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Bardstown
What Bardstown is
- Census place typecity
- Land area12.11 sq mi
- Water area0.08 sq mi
- Population per square mile of land1,140
- County holding the largest share of its areaNelson 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.
Bardstown
How many people live in Bardstown
- Population13,804
- Median age38.1
- Population under 183,319
- Share under 1824.0 percent
- Population 65 and over2,303
- Share 65 and over16.7 percent
- Households5,677
- Family households3,555
- Share of households that are families62.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bardstown
Income and work in Bardstown
- Median household income$51,381
- Per capita income$31,358
- Civilian labor force6,698
- Employed6,430
- Unemployed268 plus or minus 135
- Unemployment rate4.0 percent plus or minus 2.0
- Adults 25 and over9,316
- Adults 25 and over with a high school diploma or higher88.5 percent
- Adults 25 and over with a bachelor degree or higher26.7 percent
- Adults 25 and over with a graduate degree11.8 percent plus or minus 2.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bardstown
Housing in Bardstown
- Housing units5,820
- Occupied units5,677
- Vacant units143 plus or minus 102
- Vacancy rate2.5 percent plus or minus 1.7
- Owner occupied3,470
- Renter occupied2,207
- Ownership rate61.1 percent
- Median owner-occupied home value$203,500
- Median gross rent, monthly$977
- Annual rent as a share of median income22.8 percent
- Single family units4,350
- Share single family74.7 percent
- Units in buildings of two or more1,390 plus or minus 311
- Share in buildings of two or more23.9 percent plus or minus 5.2
- Mobile homes80 plus or minus 79
- Median year structure built1985
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bardstown
How Bardstown gets to work
- Workers 16 and over who commute6,113
- Commuting under 15 minutes3,110
- Share commuting under 15 minutes50.9 percent
- Commuting 30 minutes or more1,752
- Share commuting 30 minutes or more28.7 percent
- Drove alone78.4 percent
- Carpooled11.7 percent plus or minus 3.4
- Public transport0.0 percent
- Walked1.4 percent plus or minus 1.0
- Worked from home4.1 percent plus or minus 1.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bardstown
SBA loans in Bardstown (7(a))
- Approvals17
- Gross approval$14,408,200
- Average approval$847,541
- Median approval$454,500
- Largest approval$3,680,000
- Jobs supported213
- Jobs per approval12.5
- Loans with a final outcome3
- Paid in full3
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more23.5 percent
- Share to franchises35.3 percent
- Distinct lenders12
- Distinct industries by NAICS15
Counted by borrower city: approvals to borrowers whose address is in Bardstown, in any county, FY2020 to FY2026. Only 3 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.
Bardstown
SBA loans in Bardstown (504)
- Approvals9
- Gross approval$6,046,000
- Average approval$671,778
- Median approval$478,000
- Largest approval$3,083,000
- Jobs supported103
- Loans with a final outcome4
- Charged off0
- Median term240 months
- Distinct CDCs4
Counted by borrower city: approvals to borrowers whose address is in Bardstown, in any county, FY2010 to FY2026. Only 4 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.
Bardstown
Flood risk in Bardstown
- NFIP communityCity of Bardstown
- NFIP community number210178
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date10/16/25
The City of Bardstown participates in the National Flood Insurance Program as community 210178 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.
Nelson County, not Bardstown
Nelson County context, not Bardstown figures
- Establishments in Nelson County1,023
- Covered employment, Nelson County18,445
- Average annual pay, Nelson County$56,670
- Housing units permitted, Nelson County210
Every figure in this section is published for Nelson County as a whole and is not a measurement of Bardstown.
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
Bardstown questions, answered from the record.
How many people live in Bardstown, Kentucky?
13,804, in 5,677 households. Bardstown city covers 12.11 square miles of land, which is 1,140 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Bardstown in?
Nelson 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 Bardstown?
$51,381. The median owner-occupied home is valued at $203,500. Median gross rent is $977 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Bardstown businesses?
17 7(a) approvals totaling $14.4 m since FY2020, across 12 lenders, median approval $454,500, plus 9 504 approvals worth $6.0 m since FY2010. These count approvals to borrowers whose address is in Bardstown, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Bardstown borrowers get paid back?
No rate is published for Bardstown. Only 3 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 Bardstown in the National Flood Insurance Program?
Yes. Bardstown appears in the FEMA Community Status Book as Bardstown, city of, community 210178, 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 Bardstown figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Nelson 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 Bardstown.
Is zoning published for Bardstown?
No. Nothing on this page presents parcel level zoning.
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