Census tract · Madison County
Census Tract 109.03, Madison County, Kentucky
Census Tract 109.03, GEOID 21151010903, in Madison County, Kentucky, mostly within Richmond (68% of its census blocks). 4,245 residents in the ACS 2020-2024 5-year estimates (±487); the 2020 Census counted 3,905.
Residents, 2020-2024
4,245
±487 (90% margin)
2020 Census count: 3,905
Median household income
$53,083
±$5,776 (90% margin)
Madison County: $63,351
Median home value
$221,600
±$15,275 (90% margin)
Madison County: $232,000
Median gross rent
$959
±$50 (90% margin)
Madison County: $889
Where is Census Tract 109.03?
Census Tract 109.03 is one of 31 census tracts in Madison County, Kentucky. It covers 1.21 square miles of land, 3,241 residents per square mile in 2020. Its GEOID, 21151010903, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Richmond | 68% |
5 census tracts border Census Tract 109.03: Tract 105, Tract 106.01 ($46,364), Tract 107.02 ($61,598), Tract 108.02 ($114,000) and Tract 109.02 ($73,606). 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 109.03?
The 2020-2024 American Community Survey puts Census Tract 109.03's population at 4,245 (±487) in 1,691 households; the 2020 Census counted 3,905 residents and 1,857 housing units.
| Measure | Tract 109.03 | Richmond |
|---|---|---|
| Total population | 4,245 ±487 | 37,111 |
| Households | 1,691 ±213 | 15,202 |
| Average household size | 2.51 ±0.21 | 2.17 |
| Housing units | 1,925 ±174 | 16,738 |
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 109.03?
The median resident of Census Tract 109.03 is 26.1 years old; 22.1% are under 18 and 8.8% are 65 or older. The largest group is non-Hispanic white residents at 80.5%, then Hispanic or Latino residents (of any race) at 10.5%. 6.6% of residents were born outside the United States.
| Measure | Tract 109.03 | Richmond |
|---|---|---|
| Median age | 26.1 ±2.2 | 28.4 |
| Under 18 years | 22.1% ±3.2 pts | 18.0% |
| 65 years and over | 8.8% ±3.1 pts | 10.7% |
| Hispanic or Latino (any race) | 10.5% ±6.8 pts | 4.2% |
| White alone, not Hispanic | 80.5% ±7.5 pts | 83.5% |
| Black or African American alone, not Hispanic | 5.2% ±3.0 pts | 5.8% |
| Asian alone, not Hispanic | 0.0% ±0.9 pts | 1.4% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±0.9 pts | 0.1% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.9 pts | 0.0% |
| Two or more races, not Hispanic | 3.8% ±2.4 pts | 4.8% |
| Some other race alone, not Hispanic | 0.0% ±0.9 pts | 0.2% |
| Born outside the United States | 6.6% ±3.9 pts | 3.6% |
| Speak a language other than English at home (age 5+) | 10.0% ±6.8 pts | 5.3% |
| Civilian veterans (age 18+) | 5.7% ±2.7 pts | 6.9% |
| With a disability | 13.7% ±3.9 pts | 16.5% |
| No health insurance coverage | 5.4% ±3.0 pts | 7.9% |
| High school graduate or higher (age 25+) | 93.8% ±4.6 pts | 90.1% |
| Bachelor's degree or higher (age 25+) | 32.6% ±7.6 pts | 34.9% |
| Graduate or professional degree (age 25+) | 10.8% ±4.1 pts | 14.2% |
| Lived in the same house a year earlier | 79.2% ±5.8 pts | 77.0% |
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 109.03 earn?
Half of the 1,691 households in Census Tract 109.03 earn less than $53,083 a year (±$5,776), against $63,351 across Madison County: 21st highest of the county's 30 tracts with a reliable estimate. 26.6% of residents live below the poverty line.
| Measure | Tract 109.03 | Richmond |
|---|---|---|
| Median household income | $53,083 ±$5,776 | $50,870 |
| Mean household income | $70,713 ±$12,049 | $68,849 |
| Per capita income | $28,394 ±$4,116 | $29,276 |
| People below the poverty line | 26.6% ±8.7 pts | 19.5% |
| Children under 18 below the poverty line | 31.2% ±21.4 pts | 22.5% |
| Households receiving SNAP | 23.4% ±7.7 pts | 13.9% |
| Households with a computer | 99.7% ±0.6 pts | 96.7% |
| Households with a broadband subscription | 93.8% ±4.2 pts | 88.3% |
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 109.03?
Owners occupy 22.6% of Census Tract 109.03's occupied homes and renters 77.4%. The median owner-occupied home is valued at $221,600 by its owner (±$15,275). The median renter pays $959 a month including utilities, and 31.1% of renters pay 35% or more of their income on rent.
| Measure | Tract 109.03 | Richmond |
|---|---|---|
| Median home value (owner-occupied) | $221,600 ±$15,275 | $214,900 |
| Median gross rent | $959 ±$50 | $917 |
| Renters paying 35% or more of income on rent | 31.1% ±10.8 pts | 30.7% |
| Median monthly owner costs, with a mortgage | $1,513 ±$393 | $1,402 |
| Owner-occupied homes | 22.6% ±6.2 pts | 38.3% |
| Renter-occupied homes | 77.4% ±6.2 pts | 61.7% |
| Housing units | 1,925 ±174 | 16,738 |
| Single-family detached homes | 20.6% ±5.4 pts | 39.8% |
| Mobile homes | 5.7% ±3.7 pts | 3.5% |
| Built 2020 or later | 2.3% ±2.2 pts | 2.9% |
| Built 2010 to 2019 | 4.2% ±2.9 pts | 14.7% |
| Built 1939 or earlier | 0.0% ±1.9 pts | 3.3% |
| Households with no vehicle | 2.8% ±2.7 pts | 7.1% |
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 109.03 get to work?
70.6% of Census Tract 109.03's workers drive alone and 12.5% work from home. The average trip to work takes 22.2 minutes.
| Measure | Tract 109.03 | Richmond |
|---|---|---|
| In the labor force (age 16+) | 80.1% ±5.1 pts | 67.8% |
| Unemployment rate | 4.7% ±3.5 pts | 6.7% |
| Drove alone to work | 70.6% ±7.2 pts | 76.1% |
| Carpooled | 12.4% ±6.6 pts | 9.3% |
| Public transportation | 0.3% ±0.5 pts | 0.0% |
| Walked | 0.8% ±1.0 pts | 4.9% |
| Worked from home | 12.5% ±4.9 pts | 8.3% |
| Mean travel time to work | 22.2 min ±3.2 | 23.0 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 109.03 compare with the other tracts in Madison County?
Among Madison County's tracts with a reliable estimate, Census Tract 109.03 ranks as shown below (1 = highest).
| Measure | In Madison County | In Richmond |
|---|---|---|
| Population | 6th of 31 | 5th of 16 |
| Residents per square mile | 5th of 31 | 5th of 16 |
| Median household income | 21st of 30 | 8th of 15 |
| Per capita income | 21st of 31 | 12th of 16 |
| Median home value | 18th of 30 | 9th of 15 |
| Median gross rent | 11th of 30 | 7th of 16 |
| Poverty rate | 5th of 25 | 4th of 15 |
| Bachelor's degree or higher | 14th of 30 | 10th of 15 |
| Median age | 30th of 31 | 15th of 16 |
| Owner-occupied share | 29th of 30 | 14th of 15 |
The tracts next to it on Madison County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 112.02 | 18th | $63,711±$8,187 |
| Tract 107.02 | 19th | $61,598±$2,189 |
| Tract 113.04 | 20th | $61,131±$17,903 · within the margin of this tract |
| Tract 109.03 | 21st | $53,083±$5,776 |
| Tract 102.02 | 22nd | $50,966±$2,729 · within the margin of this tract |
| Tract 113.01 | 23rd | $48,750±$8,058 · within the margin of this tract |
| Tract 106.01 | 24th | $46,364±$25,829 · 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 109.03?
1 of the 18 figures for Census Tract 109.03 on this page carries a coefficient of variation over 40% and is 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