Census tract · Campbell County
Census Tract 523.02, Campbell County, Kentucky
Census Tract 523.02, GEOID 21037052302, in Campbell County, Kentucky, mostly within Fort Thomas (97% of its census blocks). 5,025 residents in the ACS 2020-2024 5-year estimates (±535); the 2020 Census counted 5,148.
Residents, 2020-2024
5,025
±535 (90% margin)
2020 Census count: 5,148
Median household income
$118,333
±$21,858 (90% margin)
Campbell County: $77,567
Median home value
$379,600
±$23,584 (90% margin)
Campbell County: $252,000
Median gross rent
$1,093
±$39 (90% margin)
Campbell County: $1,145
Where is Census Tract 523.02?
Census Tract 523.02 is one of 25 census tracts in Campbell County, Kentucky. It covers 1.38 square miles of land, 3,739 residents per square mile in 2020. Its GEOID, 21037052302, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Fort Thomas | 97% |
4 census tracts border Census Tract 523.02: Tract 513 ($99,615), Tract 523.01 ($81,250), Tract 524 ($59,226) and Tract 528 ($95,348). 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 523.02?
The 2020-2024 American Community Survey puts Census Tract 523.02's population at 5,025 (±535) in 1,920 households; the 2020 Census counted 5,148 residents and 2,043 housing units.
| Measure | Tract 523.02 | Fort Thomas |
|---|---|---|
| Total population | 5,025 ±535 | 17,169 |
| Households | 1,920 ±197 | 6,568 |
| Average household size | 2.61 ±0.23 | 2.57 |
| Housing units | 2,016 ±195 | 6,764 |
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 523.02?
The median resident of Census Tract 523.02 is 36.6 years old; 30.4% are under 18 and 14.8% are 65 or older. The largest group is non-Hispanic white residents at 87.2%, then non-Hispanic residents of two or more races at 6.4%. 1.7% of residents were born outside the United States.
| Measure | Tract 523.02 | Fort Thomas |
|---|---|---|
| Median age | 36.6 ±1.8 | 38.8 |
| Under 18 years | 30.4% ±2.8 pts | 25.4% |
| 65 years and over | 14.8% ±2.2 pts | 17.1% |
| Hispanic or Latino (any race) | 2.0% ±1.8 pts | 3.0% |
| White alone, not Hispanic | 87.2% ±5.7 pts | 88.8% |
| Black or African American alone, not Hispanic | 1.1% ±1.3 pts | 2.3% |
| Asian alone, not Hispanic | 0.1% ±0.2 pts | 0.6% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±0.7 pts | 0.0% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.7 pts | 0.0% |
| Two or more races, not Hispanic | 6.4% ±4.0 pts | 4.0% |
| Some other race alone, not Hispanic | 3.2% ±2.9 pts | 1.4% |
| Born outside the United States | 1.7% ±0.9 pts | 2.5% |
| Speak a language other than English at home (age 5+) | 4.5% ±2.5 pts | 5.0% |
| Civilian veterans (age 18+) | 6.5% ±2.1 pts | 4.6% |
| With a disability | 10.7% ±3.5 pts | 9.1% |
| No health insurance coverage | 5.5% ±3.5 pts | 5.1% |
| High school graduate or higher (age 25+) | 99.8% ±0.3 pts | 97.0% |
| Bachelor's degree or higher (age 25+) | 62.6% ±5.8 pts | 55.3% |
| Graduate or professional degree (age 25+) | 29.9% ±4.9 pts | 23.6% |
| Lived in the same house a year earlier | 94.4% ±3.1 pts | 89.0% |
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 523.02 earn?
Half of the 1,920 households in Census Tract 523.02 earn less than $118,333 a year (±$21,858), against $77,567 across Campbell County: 2nd highest of the county's 24 tracts with a reliable estimate. 5.9% of residents live below the poverty line.
| Measure | Tract 523.02 | Fort Thomas |
|---|---|---|
| Median household income | $118,333 ±$21,858 | $104,350 |
| Mean household income | $142,139 ±$20,117 | $139,208 |
| Per capita income | $54,745 ±$6,611 | $54,407 |
| People below the poverty line | 5.9% ±3.5 pts | 6.1% |
| Children under 18 below the poverty line | 1.2% ±1.5 pts | 3.8% |
| Households receiving SNAP | 2.0% ±1.8 pts | 1.8% |
| Households with a computer | 95.6% ±3.4 pts | 97.3% |
| Households with a broadband subscription | 96.6% ±3.3 pts | 96.0% |
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 523.02?
Owners occupy 73.8% of Census Tract 523.02's occupied homes and renters 26.3%. The median owner-occupied home is valued at $379,600 by its owner (±$23,584). The median renter pays $1,093 a month including utilities, and 48.9% of renters pay 35% or more of their income on rent.
| Measure | Tract 523.02 | Fort Thomas |
|---|---|---|
| Median home value (owner-occupied) | $379,600 ±$23,584 | $335,000 |
| Median gross rent | $1,093 ±$39 | $1,126 |
| Renters paying 35% or more of income on rent | 48.9% ±23.8 pts | 39.2% |
| Median monthly owner costs, with a mortgage | $2,134 ±$134 | $2,122 |
| Owner-occupied homes | 73.8% ±7.0 pts | 71.2% |
| Renter-occupied homes | 26.3% ±7.0 pts | 28.8% |
| Housing units | 2,016 ±195 | 6,764 |
| Single-family detached homes | 68.2% ±6.8 pts | 68.8% |
| Mobile homes | 0.0% ±1.8 pts | 0.1% |
| Built 2020 or later | 0.3% ±0.4 pts | 0.1% |
| Built 2010 to 2019 | 1.0% ±1.2 pts | 3.3% |
| Built 1939 or earlier | 43.6% ±7.3 pts | 32.1% |
| Households with no vehicle | 4.4% ±3.4 pts | 3.2% |
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 523.02 get to work?
71.9% of Census Tract 523.02's workers drive alone and 14.4% work from home. The average trip to work takes 20.6 minutes.
| Measure | Tract 523.02 | Fort Thomas |
|---|---|---|
| In the labor force (age 16+) | 70.5% ±4.7 pts | 68.6% |
| Unemployment rate | 6.0% ±5.4 pts | 3.5% |
| Drove alone to work | 71.9% ±6.3 pts | 73.2% |
| Carpooled | 10.7% ±6.1 pts | 6.1% |
| Public transportation | 1.3% ±1.5 pts | 0.9% |
| Walked | 0.9% ±1.3 pts | 1.1% |
| Worked from home | 14.4% ±4.3 pts | 17.9% |
| Mean travel time to work | 20.6 min ±2.5 | 21.0 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 523.02 compare with the other tracts in Campbell County?
Among Campbell County's tracts with a reliable estimate, Census Tract 523.02 ranks as shown below (1 = highest).
| Measure | In Campbell County | In Fort Thomas |
|---|---|---|
| Population | 7th of 25 | 1st of 3 |
| Residents per square mile | 9th of 25 | 1st of 3 |
| Median household income | 2nd of 24 | 1st of 3 |
| Per capita income | 3rd of 25 | 2nd of 3 |
| Median home value | 3rd of 24 | 1st of 3 |
| Median gross rent | 15th of 23 | 2nd of 3 |
| Poverty rate | 17th of 19 | 2nd of 2 |
| Bachelor's degree or higher | 1st of 24 | 1st of 3 |
| Median age | 19th of 25 | 3rd of 3 |
| Owner-occupied share | 14th of 25 | 3rd of 3 |
The tracts next to it on Campbell County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 520.01 | 1st | $120,536±$26,637 · within the margin of this tract |
| Tract 523.02 | 2nd | $118,333±$21,858 |
| Tract 504 | 3rd | $118,250±$40,336 · within the margin of this tract |
| Tract 511.02 | 4th | $108,906±$17,148 · within the margin of this tract |
| Tract 519.04 | 5th | $103,469±$9,384 · 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 523.02?
3 of the 18 figures for Census Tract 523.02 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