Census tract · Jefferson County
Census Tract 98, Jefferson County, Kentucky
Census Tract 98, GEOID 21111009800, in Jefferson County, Kentucky, mostly within St. Matthews (63% of its census blocks). 2,569 residents in the ACS 2020-2024 5-year estimates (±427); the 2020 Census counted 2,622.
Residents, 2020-2024
2,569
±427 (90% margin)
2020 Census count: 2,622
Median household income
$99,904
±$15,682 (90% margin)
Jefferson County: $69,866
Median home value
$396,400
±$27,737 (90% margin)
Jefferson County: $248,400
Median gross rent
$1,698
±$458 (90% margin)
Jefferson County: $1,149
Where is Census Tract 98?
Census Tract 98 is one of 216 census tracts in Jefferson County, Kentucky. It covers 0.65 square miles of land, 4,053 residents per square mile in 2020. Its GEOID, 21111009800, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| St. Matthews | 63% |
| Brownsboro Village | 18% |
| Bellewood | 10% |
| Druid Hills | 8% |
6 census tracts border Census Tract 98: Tract 75.01 ($172,315), Tract 77 ($96,607), Tract 78 ($91,071), Tract 99 ($88,906), Tract 100.01 ($110,938) and Tract 106.01 ($95,641). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 98?
The 2020-2024 American Community Survey puts Census Tract 98's population at 2,569 (±427) in 1,301 households; the 2020 Census counted 2,622 residents and 1,420 housing units.
| Measure | Tract 98 | St. Matthews |
|---|---|---|
| Total population | 2,569±427 | 17,577 |
| Households | 1,301±114 | 8,772 |
| Average household size | 1.97±0.22 | 1.96 |
| Housing units | 1,363±119 | 9,375 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 98?
The median resident of Census Tract 98 is 44.6 years old; 12.9% are under 18 and 25.9% are 65 or older. The largest group is non-Hispanic white residents at 93.6%, then non-Hispanic residents of two or more races at 3.8%. 2.7% of residents were born outside the United States.
| Measure | Tract 98 | St. Matthews |
|---|---|---|
| Median age | 44.6±6.5 | 36.5 |
| Under 18 years | 12.9%±2.7 pts | 16.3% |
| 65 years and over | 25.9%±3.5 pts | 18.5% |
| Hispanic or Latino (any race) | 1.9%±1.2 pts | 3.5% |
| White alone, not Hispanic | 93.6%±2.5 pts | 85.6% |
| Black or African American alone, not Hispanic | 0.4%±0.4 pts | 4.1% |
| Asian alone, not Hispanic | 0.2%±0.2 pts | 2.3% |
| American Indian and Alaska Native alone, not Hispanic | 0.0%±1.4 pts | 0.1% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0%±1.4 pts | 0.0% |
| Two or more races, not Hispanic | 3.8%±2.1 pts | 4.3% |
| Some other race alone, not Hispanic | 0.0%±0.1 pts | 0.1% |
| Born outside the United States | 2.7%±1.5 pts | 5.6% |
| Speak a language other than English at home (age 5+) | 4.3%±1.9 pts | 6.6% |
| Civilian veterans (age 18+) | 5.5%±2.8 pts | 5.2% |
| With a disability | 15.6%±5.5 pts | 11.8% |
| No health insurance coverage | 4.1%±3.4 pts | 3.8% |
| High school graduate or higher (age 25+) | 95.5%±3.5 pts | 96.3% |
| Bachelor's degree or higher (age 25+) | 66.0%±9.2 pts | 58.7% |
| Graduate or professional degree (age 25+) | 19.6%±5.5 pts | 26.5% |
| Lived in the same house a year earlier | 83.9%±5.7 pts | 77.7% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 98 earn?
Half of the 1,301 households in Census Tract 98 earn less than $99,904 a year (±$15,682), against $69,866 across Jefferson County: 30th highest of the county's 207 tracts with a reliable estimate. 6.7% of residents live below the poverty line.
| Measure | Tract 98 | St. Matthews |
|---|---|---|
| Median household income | $99,904±$15,682 | $82,412 |
| Mean household income | $115,523±$11,669 | $109,582 |
| Per capita income | $60,404±$3,679 | $55,655 |
| People below the poverty line | 6.7%±3.5 pts | 7.2% |
| Children under 18 below the poverty line | 0.0%±10.7 pts | 3.8% |
| Households receiving SNAP | 0.9%±1.3 pts | 3.0% |
| Households with a computer | 97.0%±1.7 pts | 96.9% |
| Households with a broadband subscription | 96.5%±2.1 pts | 93.2% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 98?
Owners occupy 75.5% of Census Tract 98's occupied homes and renters 24.5%. The median owner-occupied home is valued at $396,400 by its owner (±$27,737). The median renter pays $1,698 a month including utilities.
| Measure | Tract 98 | St. Matthews |
|---|---|---|
| Median home value (owner-occupied) | $396,400±$27,737 | $338,000 |
| Median gross rent | $1,698±$458 | $1,369 |
| Renters paying 35% or more of income on rent | 13.1%±10.1 pts | 28.7% |
| Median monthly owner costs, with a mortgage | $2,026±$336 | $1,740 |
| Owner-occupied homes | 75.5%±7.0 pts | 53.3% |
| Renter-occupied homes | 24.5%±7.0 pts | 46.7% |
| Housing units | 1,363±119 | 9,375 |
| Single-family detached homes | 79.9%±5.7 pts | 50.3% |
| Mobile homes | 2.0%±3.2 pts | 0.4% |
| Built 2020 or later | 0.0%±2.7 pts | 0.7% |
| Built 2010 to 2019 | 0.9%±1.2 pts | 4.4% |
| Built 1939 or earlier | 16.7%±7.0 pts | 9.7% |
| Households with no vehicle | 5.9%±3.8 pts | 5.9% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 98 get to work?
76.4% of Census Tract 98's workers drive alone and 19.6% work from home. The average trip to work takes 18.9 minutes.
| Measure | Tract 98 | St. Matthews |
|---|---|---|
| In the labor force (age 16+) | 66.0%±5.6 pts | 72.4% |
| Unemployment rate | 6.4%±5.9 pts | 3.8% |
| Drove alone to work | 76.4%±8.1 pts | 73.3% |
| Carpooled | 3.6%±3.0 pts | 6.3% |
| Public transportation | 0.1%±0.2 pts | 0.4% |
| Walked | 0.0%±2.7 pts | 0.8% |
| Worked from home | 19.6%±7.2 pts | 18.1% |
| Mean travel time to work | 18.9 min±2.5 | 19.6 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 98 compare with the other tracts in Jefferson County?
Among Jefferson County's tracts with a reliable estimate, Census Tract 98 ranks as shown below (1 = highest).
| Measure | In Jefferson County | In St. Matthews |
|---|---|---|
| Population | 158th of 215 | 7th of 7 |
| Residents per square mile | 90th of 216 | 3rd of 7 |
| Median household income | 30th of 207 | 2nd of 7 |
| Per capita income | 31st of 213 | 3rd of 7 |
| Median home value | 31st of 205 | 2nd of 7 |
| Median gross rent | 13th of 204 | 2nd of 7 |
| Poverty rate | 131st of 156 | 5th of 6 |
| Bachelor's degree or higher | 23rd of 193 | 2nd of 7 |
| Median age | 40th of 214 | 2nd of 7 |
| Owner-occupied share | 53rd of 210 | 2nd of 7 |
The tracts next to it on Jefferson County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 103.09 | 27th | $104,926±$13,524 · within the margin of this tract |
| Tract 100.07 | 28th | $102,000±$27,964 · within the margin of this tract |
| Tract 104.03 | 29th | $100,231±$20,918 · within the margin of this tract |
| Tract 98 | 30th | $99,904±$15,682 |
| Tract 89 | 31st | $98,618±$12,076 · within the margin of this tract |
| Tract 107.01 | 32nd | $98,452±$32,206 · within the margin of this tract |
| Tract 107.07 | 33rd | $97,890±$5,954 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 98?
2 of the 18 figures for Census Tract 98 on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections