Census tract · Montgomery County
Census Tract 9604.01, Montgomery County, North Carolina
Census Tract 9604.01, GEOID 37123960401, in Montgomery County, North Carolina, partly within Mount Gilead. 2,060 residents in the ACS 2020-2024 5-year estimates (±362); the 2020 Census counted 1,975.
Residents, 2020-2024
2,060
±362 (90% margin)
2020 Census count: 1,975
Median household income
$58,901
±$6,892 (90% margin)
Montgomery County: $57,766
Median home value
$152,000
±$31,243 (90% margin)
Montgomery County: $161,700
Median gross rent
$1,052
±$84 (90% margin)
Montgomery County: $766
Where is Census Tract 9604.01?
Census Tract 9604.01 is one of 10 census tracts in Montgomery County, North Carolina. It covers 30.26 square miles of land, 65 residents per square mile in 2020. Its GEOID, 37123960401, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Mount Gilead | 42% |
3 census tracts border Census Tract 9604.01: Tract 9604.02 ($48,125), Tract 9702 in Richmond County ($59,008) and Tract 9311.02 in Stanly County ($45,625). 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 9604.01?
The 2020-2024 American Community Survey puts Census Tract 9604.01's population at 2,060 (±362) in 886 households; the 2020 Census counted 1,975 residents and 918 housing units.
| Measure | Tract 9604.01 | Montgomery County |
|---|---|---|
| Total population | 2,060 ±362 | 26,007 |
| Households | 886 ±144 | 10,643 |
| Average household size | 2.29 ±0.36 | 2.37 |
| Housing units | 1,086 ±151 | 14,998 |
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 9604.01?
The median resident of Census Tract 9604.01 is 43.7 years old; 13.8% are under 18 and 16.8% are 65 or older. The largest group is non-Hispanic Black residents at 46.7%, then non-Hispanic white residents at 34.2%. 16.0% of residents were born outside the United States.
| Measure | Tract 9604.01 | Montgomery County |
|---|---|---|
| Median age | 43.7 ±2.7 | 44.0 |
| Under 18 years | 13.8% ±5.0 pts | 20.4% |
| 65 years and over | 16.8% ±4.5 pts | 22.3% |
| Hispanic or Latino (any race) | 4.0% ±4.5 pts | 15.8% |
| White alone, not Hispanic | 34.2% ±8.5 pts | 62.7% |
| Black or African American alone, not Hispanic | 46.7% ±8.0 pts | 16.0% |
| Asian alone, not Hispanic | 13.6% ±6.8 pts | 1.5% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±0.1 pts | 0.5% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±2.0 pts | 0.0% |
| Two or more races, not Hispanic | 1.5% ±1.4 pts | 3.2% |
| Some other race alone, not Hispanic | 0.0% ±2.0 pts | 0.3% |
| Born outside the United States | 16.0% ±8.5 pts | 7.9% |
| Speak a language other than English at home (age 5+) | 14.8% ±6.9 pts | 15.9% |
| Civilian veterans (age 18+) | 5.3% ±2.5 pts | 6.3% |
| With a disability | 24.1% ±6.6 pts | 19.7% |
| No health insurance coverage | 12.5% ±6.3 pts | 12.5% |
| High school graduate or higher (age 25+) | 86.6% ±7.1 pts | 83.5% |
| Bachelor's degree or higher (age 25+) | 20.3% ±10.4 pts | 19.2% |
| Graduate or professional degree (age 25+) | 14.1% ±10.4 pts | 6.9% |
| Lived in the same house a year earlier | 84.2% ±7.7 pts | 90.1% |
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 9604.01 earn?
Half of the 886 households in Census Tract 9604.01 earn less than $58,901 a year (±$6,892), against $57,766 across Montgomery County: 5th highest of the county's 10 tracts with a reliable estimate. 10.0% of residents live below the poverty line.
| Measure | Tract 9604.01 | Montgomery County |
|---|---|---|
| Median household income | $58,901 ±$6,892 | $57,766 |
| Mean household income | $78,689 ±$18,020 | $78,269 |
| Per capita income | $32,832 ±$6,447 | $31,156 |
| People below the poverty line | 10.0% ±5.7 pts | 15.4% |
| Children under 18 below the poverty line | 19.4% ±16.7 pts | 20.3% |
| Households receiving SNAP | 17.7% ±9.3 pts | 18.6% |
| Households with a computer | 90.6% ±7.7 pts | 92.9% |
| Households with a broadband subscription | 81.5% ±9.2 pts | 82.7% |
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 9604.01?
Owners occupy 69.8% of Census Tract 9604.01's occupied homes and renters 30.2%. The median owner-occupied home is valued at $152,000 by its owner (±$31,243). The median renter pays $1,052 a month including utilities, and 27.6% of renters pay 35% or more of their income on rent.
| Measure | Tract 9604.01 | Montgomery County |
|---|---|---|
| Median home value (owner-occupied) | $152,000 ±$31,243 | $161,700 |
| Median gross rent | $1,052 ±$84 | $766 |
| Renters paying 35% or more of income on rent | 27.6% ±17.6 pts | 34.6% |
| Median monthly owner costs, with a mortgage | $1,385 ±$529 | $1,383 |
| Owner-occupied homes | 69.8% ±10.7 pts | 75.0% |
| Renter-occupied homes | 30.2% ±10.7 pts | 25.0% |
| Housing units | 1,086 ±151 | 14,998 |
| Single-family detached homes | 73.2% ±8.7 pts | 64.6% |
| Mobile homes | 16.7% ±8.1 pts | 29.4% |
| Built 2020 or later | 0.0% ±3.8 pts | 1.1% |
| Built 2010 to 2019 | 5.0% ±4.5 pts | 6.9% |
| Built 1939 or earlier | 21.8% ±7.7 pts | 8.9% |
| Households with no vehicle | 9.8% ±8.1 pts | 4.8% |
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 9604.01 get to work?
82.6% of Census Tract 9604.01's workers drive alone. The average trip to work takes 24.1 minutes.
| Measure | Tract 9604.01 | Montgomery County |
|---|---|---|
| In the labor force (age 16+) | 59.9% ±6.8 pts | 53.2% |
| Unemployment rate | 5.3% ±4.6 pts | 2.8% |
| Drove alone to work | 82.6% ±7.6 pts | 84.0% |
| Carpooled | 5.0% ±4.3 pts | 7.7% |
| Public transportation | 0.0% ±4.0 pts | 0.0% |
| Walked | 2.5% ±3.8 pts | 1.3% |
| Worked from home | 5.2% ±4.5 pts | 5.9% |
| Mean travel time to work | 24.1 min ±5.1 | 27.1 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 9604.01 compare with the other tracts in Montgomery County?
Among Montgomery County's tracts with a reliable estimate, Census Tract 9604.01 ranks as shown below (1 = highest).
| Measure | In Montgomery County |
|---|---|
| Population | 6th of 10 |
| Residents per square mile | 4th of 10 |
| Median household income | 5th of 10 |
| Per capita income | 4th of 10 |
| Median home value | 7th of 10 |
| Median gross rent | 1st of 8 |
| Poverty rate | 7th of 9 |
| Bachelor's degree or higher | 5th of 10 |
| Median age | 5th of 10 |
| Owner-occupied share | 8th of 10 |
The tracts next to it on Montgomery County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 9602.01 | 2nd | $66,023±$9,104 · within the margin of this tract |
| Tract 9603.01 | 3rd | $65,469±$8,330 · within the margin of this tract |
| Tract 9602.02 | 4th | $65,020±$14,342 · within the margin of this tract |
| Tract 9604.01 | 5th | $58,901±$6,892 |
| Tract 9605.01 | 6th | $51,838±$16,591 · within the margin of this tract |
| Tract 9601.01 | 7th | $51,813±$31,978 · within the margin of this tract |
| Tract 9605.02 | 8th | $51,275±$7,484 · 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 9604.01?
2 of the 18 figures for Census Tract 9604.01 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