HomeMissouriJefferson CountyHerculaneum
Herculaneum, Missouri: commercial real estate data.
Herculaneum is a Census city of 5,071 people across 4.16 square miles of land, in Jefferson County. Median household income is $93,438, 90.7 percent of occupied homes are owned, and the SBA record carries 6 7(a) approvals to borrowers here worth $675,600 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Herculaneum
What Herculaneum is
- Census place typecity
- Land area4.16 sq mi
- Water area0.03 sq mi
- Population per square mile of land1,220
- County holding the largest share of its areaJefferson 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.
Herculaneum
How many people live in Herculaneum
- Population5,071
- Median age40.4
- Population under 181,225 plus or minus 284
- Share under 1824.2 percent plus or minus 5.6
- Population 65 and over814 plus or minus 202
- Share 65 and over16.1 percent plus or minus 4.0
- Households1,865
- Family households1,402
- Share of households that are families75.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Herculaneum
Income and work in Herculaneum
- Median household income$93,438
- Per capita income$36,465
- Civilian labor force2,754
- Employed2,722
- Unemployed32 plus or minus 40
- Unemployment rate1.2 percent plus or minus 1.4
- Adults 25 and over3,514
- Adults 25 and over with a high school diploma or higher94.2 percent
- Adults 25 and over with a bachelor degree or higher23.0 percent plus or minus 5.2
- Adults 25 and over with a graduate degree7.8 percent plus or minus 2.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Herculaneum
Housing in Herculaneum
- Housing units2,037
- Occupied units1,865
- Vacant units172 plus or minus 124
- Vacancy rate8.4 percent plus or minus 6.0
- Owner occupied1,691
- Renter occupied174 plus or minus 104
- Ownership rate90.7 percent
- Median owner-occupied home value$234,300
- Median gross rent, monthly$1,690 plus or minus $931
- Annual rent as a share of median income21.7 percent plus or minus 12.4
- Single family units1,919
- Share single family94.2 percent
- Units in buildings of two or more118 plus or minus 97
- Share in buildings of two or more5.8 percent plus or minus 4.7
- Mobile homes0
- Median year structure built2002
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Herculaneum
How Herculaneum gets to work
- Workers 16 and over who commute2,320
- Commuting under 15 minutes707 plus or minus 206
- Share commuting under 15 minutes30.5 percent plus or minus 8.4
- Commuting 30 minutes or more1,149 plus or minus 264
- Share commuting 30 minutes or more49.5 percent plus or minus 10.4
- Drove alone75.1 percent
- Carpooled8.9 percent plus or minus 5.2
- Public transport0.0 percent
- Walked1.3 percent plus or minus 1.5
- Worked from home13.3 percent plus or minus 8.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Herculaneum
SBA loans in Herculaneum (7(a))
- Approvals6
- Gross approval$675,600
- Average approval$112,600
- Median approval$63,400
- Largest approval$400,000
- Jobs supported22
- Jobs per approval3.7
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders3
- Distinct industries by NAICS5
Counted by borrower city: approvals to borrowers whose address is in Herculaneum, in any county, FY2020 to FY2026. Only 1 loan has 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.
Herculaneum
SBA loans in Herculaneum (504)
- Approvals2
- Gross approval$711,000
- Average approval$355,500
- Median approval$355,500
- Largest approval$573,000
- Jobs supported7
- Loans with a final outcome0
- Charged off0
- Median term210 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Herculaneum, in any county, FY2010 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, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Herculaneum
Flood risk in Herculaneum
- NFIP communityCity of Herculaneum
- NFIP community number290192
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date10/02/25
The City of Herculaneum participates in the National Flood Insurance Program as community 290192 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.
Jefferson County, not Herculaneum
Jefferson County context, not Herculaneum figures
- Establishments in Jefferson County3,956
- Covered employment, Jefferson County49,458
- Average annual pay, Jefferson County$49,615
- Housing units permitted, Jefferson County811
Every figure in this section is published for Jefferson County as a whole and is not a measurement of Herculaneum.
All Jefferson 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
Herculaneum questions, answered from the record.
How many people live in Herculaneum, Missouri?
5,071, in 1,865 households. Herculaneum city covers 4.16 square miles of land, which is 1,220 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Herculaneum in?
Jefferson 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 Herculaneum?
$93,438. The median owner-occupied home is valued at $234,300. Median gross rent is $1,690 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Herculaneum businesses?
6 7(a) approvals totaling $675,600 since FY2020, across 3 lenders, median approval $63,400, plus 2 504 approvals worth $711,000 since FY2010. These count approvals to borrowers whose address is in Herculaneum, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Herculaneum borrowers get paid back?
No rate is published for Herculaneum. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Herculaneum in the National Flood Insurance Program?
Yes. Herculaneum appears in the FEMA Community Status Book as Herculaneum, city of, community 290192, 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 Herculaneum figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Jefferson 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 Herculaneum.
Is zoning published for Herculaneum?
No. Nothing on this page presents parcel level zoning.