Census tract · Montgomery County
Census Tract 9203.02, Montgomery County, Kentucky
Census Tract 9203.02, GEOID 21173920302, in Montgomery County, Kentucky, partly within Mount Sterling and Camargo. 6,773 residents in the ACS 2020-2024 5-year estimates (±598); the 2020 Census counted 5,961.
Residents, 2020-2024
6,773
±598 (90% margin)
2020 Census count: 5,961
Median household income
$61,740
±$13,086 (90% margin)
Montgomery County: $56,396
Median home value
$163,000
±$54,648 (90% margin)
Montgomery County: $172,200
Median gross rent
$674
±$326 (90% margin)
Montgomery County: $830
Where is Census Tract 9203.02?
Census Tract 9203.02 is one of 7 census tracts in Montgomery County, Kentucky. It covers 19.59 square miles of land, 304 residents per square mile in 2020. Its GEOID, 21173920302, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Mount Sterling | 44% |
| Camargo | 1% |
4 census tracts border Census Tract 9203.02: Tract 203 in Clark County ($97,045), Tract 9202.02 ($52,451), Tract 9203.01 ($60,378) and Tract 9205 ($55,855). 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 9203.02?
The 2020-2024 American Community Survey puts Census Tract 9203.02's population at 6,773 (±598) in 2,812 households; the 2020 Census counted 5,961 residents and 2,519 housing units.
| Measure | Tract 9203.02 | Montgomery County |
|---|---|---|
| Total population | 6,773 ±598 | 28,395 |
| Households | 2,812 ±293 | 11,005 |
| Average household size | 2.29 ±0.17 | 2.55 |
| Housing units | 2,905 ±277 | 12,231 |
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 9203.02?
The median resident of Census Tract 9203.02 is 41.9 years old; 18.9% are under 18 and 20.9% are 65 or older. The largest group is non-Hispanic white residents at 94.2%, then non-Hispanic residents of two or more races at 3.0%.
| Measure | Tract 9203.02 | Montgomery County |
|---|---|---|
| Median age | 41.9 ±2.4 | 40.4 |
| Under 18 years | 18.9% ±2.8 pts | 23.2% |
| 65 years and over | 20.9% ±3.9 pts | 16.9% |
| Hispanic or Latino (any race) | 0.1% ±0.1 pts | 3.5% |
| White alone, not Hispanic | 94.2% ±3.4 pts | 91.6% |
| Black or African American alone, not Hispanic | 2.2% ±0.8 pts | 1.3% |
| Asian alone, not Hispanic | 0.0% ±0.6 pts | 0.5% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±0.6 pts | 0.3% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.6 pts | 0.0% |
| Two or more races, not Hispanic | 3.0% ±3.0 pts | 2.6% |
| Some other race alone, not Hispanic | 0.5% ±0.8 pts | 0.2% |
| Born outside the United States | 0.0% ±0.6 pts | 1.2% |
| Speak a language other than English at home (age 5+) | 0.3% ±0.5 pts | 4.2% |
| Civilian veterans (age 18+) | 7.7% ±3.8 pts | 5.8% |
| With a disability | 24.2% ±6.7 pts | 21.1% |
| No health insurance coverage | 7.5% ±4.7 pts | 7.2% |
| High school graduate or higher (age 25+) | 83.5% ±5.7 pts | 86.5% |
| Bachelor's degree or higher (age 25+) | 25.5% ±6.7 pts | 20.9% |
| Graduate or professional degree (age 25+) | 8.6% ±3.7 pts | 8.4% |
| Lived in the same house a year earlier | 84.6% ±6.8 pts | 88.3% |
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 9203.02 earn?
Half of the 2,812 households in Census Tract 9203.02 earn less than $61,740 a year (±$13,086), against $56,396 across Montgomery County: 1st highest of the county's 7 tracts with a reliable estimate. 14.0% of residents live below the poverty line.
| Measure | Tract 9203.02 | Montgomery County |
|---|---|---|
| Median household income | $61,740 ±$13,086 | $56,396 |
| Mean household income | $81,176 ±$16,817 | $74,506 |
| Per capita income | $34,056 ±$6,816 | $29,716 |
| People below the poverty line | 14.0% ±5.4 pts | 15.4% |
| Children under 18 below the poverty line | 18.4% ±16.8 pts | 16.3% |
| Households receiving SNAP | 24.5% ±8.5 pts | 16.5% |
| Households with a computer | 96.1% ±3.2 pts | 95.1% |
| Households with a broadband subscription | 87.6% ±5.3 pts | 89.4% |
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 9203.02?
Owners occupy 57.9% of Census Tract 9203.02's occupied homes and renters 42.1%. The median owner-occupied home is valued at $163,000 by its owner (±$54,648). The median renter pays $674 a month including utilities.
| Measure | Tract 9203.02 | Montgomery County |
|---|---|---|
| Median home value (owner-occupied) | $163,000 ±$54,648 | $172,200 |
| Median gross rent | $674 ±$326 | $830 |
| Renters paying 35% or more of income on rent | 17.2% ±11.4 pts | 23.6% |
| Median monthly owner costs, with a mortgage | $1,091 ±$245 | $1,242 |
| Owner-occupied homes | 57.9% ±9.8 pts | 68.3% |
| Renter-occupied homes | 42.1% ±9.8 pts | 31.7% |
| Housing units | 2,905 ±277 | 12,231 |
| Single-family detached homes | 67.8% ±10.5 pts | 66.5% |
| Mobile homes | 1.9% ±2.0 pts | 16.4% |
| Built 2020 or later | 0.0% ±1.3 pts | 0.7% |
| Built 2010 to 2019 | 5.0% ±3.9 pts | 7.2% |
| Built 1939 or earlier | 19.3% ±8.5 pts | 9.4% |
| Households with no vehicle | 9.9% ±7.4 pts | 5.1% |
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 9203.02 get to work?
83.1% of Census Tract 9203.02's workers drive alone and 8.3% work from home. The average trip to work takes 23.4 minutes.
| Measure | Tract 9203.02 | Montgomery County |
|---|---|---|
| In the labor force (age 16+) | 52.8% ±5.3 pts | 58.1% |
| Unemployment rate | 0.9% ±1.5 pts | 4.0% |
| Drove alone to work | 83.1% ±6.9 pts | 82.9% |
| Carpooled | 7.2% ±4.8 pts | 7.7% |
| Public transportation | 0.0% ±1.3 pts | 0.1% |
| Walked | 1.0% ±1.4 pts | 1.0% |
| Worked from home | 8.3% ±4.7 pts | 7.6% |
| Mean travel time to work | 23.4 min ±3.4 | 25.7 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 9203.02 compare with the other tracts in Montgomery County?
Among Montgomery County's tracts with a reliable estimate, Census Tract 9203.02 ranks as shown below (1 = highest).
| Measure | In Montgomery County |
|---|---|
| Population | 1st of 7 |
| Residents per square mile | 3rd of 7 |
| Median household income | 1st of 7 |
| Per capita income | 1st of 7 |
| Median home value | 5th of 7 |
| Median gross rent | 7th of 7 |
| Poverty rate | 5th of 7 |
| Bachelor's degree or higher | 3rd of 7 |
| Median age | 2nd of 7 |
| Owner-occupied share | 7th of 7 |
The tracts next to it on Montgomery County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 9203.02 | 1st | $61,740±$13,086 |
| Tract 9203.01 | 2nd | $60,378±$26,129 · within the margin of this tract |
| Tract 9201 | 3rd | $57,146±$12,387 · within the margin of this tract |
| Tract 9205 | 4th | $55,855±$17,077 · 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 9203.02?
2 of the 18 figures for Census Tract 9203.02 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