Census tract · Garrard County
Census Tract 9702.02, Garrard County, Kentucky
Census Tract 9702.02, GEOID 21079970202, in Garrard County, Kentucky, outside any city, town or census-designated place. 1,440 residents in the ACS 2020-2024 5-year estimates (±175); the 2020 Census counted 1,208.
Residents, 2020-2024
1,440
±175 (90% margin)
2020 Census count: 1,208
Median household income
$70,958
±$25,082 (90% margin)
Garrard County: $63,087
Median home value
$207,800
±$89,251 (90% margin)
Garrard County: $204,900
Median gross rent
not published
Garrard County: $794
Where is Census Tract 9702.02?
Census Tract 9702.02 is one of 6 census tracts in Garrard County, Kentucky. It covers 43.92 square miles of land, 28 residents per square mile in 2020. Its GEOID, 21079970202, names it uniquely (how tract numbers and GEOIDs work).
6 census tracts border Census Tract 9702.02: Tract 9701.02 ($81,481), Tract 9702.01 ($69,353), Tract 9703 ($39,901), Tract 9704 ($62,279), Tract 603 in Jessamine County ($84,259) and Tract 108.01 in Madison County ($81,053). 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 9702.02?
The 2020-2024 American Community Survey puts Census Tract 9702.02's population at 1,440 (±175) in 513 households; the 2020 Census counted 1,208 residents and 521 housing units.
| Measure | Tract 9702.02 | Garrard County |
|---|---|---|
| Total population | 1,440 ±175 | 17,568 |
| Households | 513 ±73 | 6,695 |
| Average household size | 2.81 ±0.30 | 2.61 |
| Housing units | 518 ±72 | 7,280 |
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 9702.02?
The median resident of Census Tract 9702.02 is 44.3 years old; 15.3% are under 18 and 16.2% are 65 or older. The largest group is non-Hispanic white residents at 100.0%.
| Measure | Tract 9702.02 | Garrard County |
|---|---|---|
| Median age | 44.3 ±6.5 | 43.0 |
| Under 18 years | 15.3% ±3.7 pts | 21.6% |
| 65 years and over | 16.2% ±6.5 pts | 18.7% |
| Hispanic or Latino (any race) | 0.0% ±2.6 pts | 3.0% |
| White alone, not Hispanic | 100.0% ±2.6 pts | 91.6% |
| Black or African American alone, not Hispanic | 0.0% ±2.6 pts | 2.4% |
| Asian alone, not Hispanic | 0.0% ±2.6 pts | 0.1% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±2.6 pts | 0.2% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±2.6 pts | 0.0% |
| Two or more races, not Hispanic | 0.0% ±2.6 pts | 2.1% |
| Some other race alone, not Hispanic | 0.0% ±2.6 pts | 0.7% |
| Born outside the United States | 0.0% ±2.6 pts | 2.0% |
| Speak a language other than English at home (age 5+) | 0.0% ±2.7 pts | 4.1% |
| Civilian veterans (age 18+) | 6.9% ±4.7 pts | 8.3% |
| With a disability | 22.1% ±8.2 pts | 19.1% |
| No health insurance coverage | 2.4% ±2.2 pts | 7.6% |
| High school graduate or higher (age 25+) | 86.1% ±6.7 pts | 85.9% |
| Bachelor's degree or higher (age 25+) | 11.0% ±4.2 pts | 18.7% |
| Graduate or professional degree (age 25+) | 3.3% ±2.7 pts | 8.0% |
| Lived in the same house a year earlier | 83.9% ±10.2 pts | 90.9% |
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 9702.02 earn?
Half of the 513 households in Census Tract 9702.02 earn less than $70,958 a year (±$25,082), against $63,087 across Garrard County: 2nd highest of the county's 6 tracts with a reliable estimate. 12.4% of residents live below the poverty line.
| Measure | Tract 9702.02 | Garrard County |
|---|---|---|
| Median household income | $70,958 ±$25,082 | $63,087 |
| Mean household income | $95,059 ±$19,882 | $78,527 |
| Per capita income | $36,949 ±$9,434 | $30,524 |
| People below the poverty line | 12.4% ±7.6 pts | 15.9% |
| Children under 18 below the poverty line | 16.7% ±19.6 pts | 21.6% |
| Households receiving SNAP | 11.1% ±6.5 pts | 12.4% |
| Households with a computer | 93.2% ±5.8 pts | 91.9% |
| Households with a broadband subscription | 77.6% ±11.0 pts | 87.0% |
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 9702.02?
Owners occupy 95.7% of Census Tract 9702.02's occupied homes and renters 4.3%. The median owner-occupied home is valued at $207,800 by its owner (±$89,251).
| Measure | Tract 9702.02 | Garrard County |
|---|---|---|
| Median home value (owner-occupied) | $207,800 ±$89,251 | $204,900 |
| Renters paying 35% or more of income on rent | 63.6% ±48.6 pts | 45.5% |
| Median monthly owner costs, with a mortgage | $1,438 ±$501 | $1,383 |
| Owner-occupied homes | 95.7% ±4.3 pts | 79.9% |
| Renter-occupied homes | 4.3% ±4.3 pts | 20.1% |
| Housing units | 518 ±72 | 7,280 |
| Single-family detached homes | 74.5% ±10.1 pts | 79.5% |
| Mobile homes | 25.5% ±10.1 pts | 14.2% |
| Built 2020 or later | 7.1% ±7.6 pts | 3.2% |
| Built 2010 to 2019 | 13.9% ±7.8 pts | 8.5% |
| Built 1939 or earlier | 9.5% ±6.1 pts | 7.4% |
| Households with no vehicle | 2.7% ±3.3 pts | 4.7% |
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 9702.02 get to work?
90.7% of Census Tract 9702.02's workers drive alone. The average trip to work takes 41.4 minutes.
| Measure | Tract 9702.02 | Garrard County |
|---|---|---|
| In the labor force (age 16+) | 58.6% ±10.1 pts | 54.7% |
| Unemployment rate | 3.0% ±2.4 pts | 5.1% |
| Drove alone to work | 90.7% ±6.1 pts | 76.7% |
| Carpooled | 5.2% ±5.0 pts | 10.4% |
| Public transportation | 0.0% ±5.1 pts | 0.9% |
| Walked | 0.0% ±5.1 pts | 0.3% |
| Worked from home | 2.7% ±2.9 pts | 11.0% |
| Mean travel time to work | 41.4 min ±9.9 | 33.1 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 9702.02 compare with the other tracts in Garrard County?
Among Garrard County's tracts with a reliable estimate, Census Tract 9702.02 ranks as shown below (1 = highest).
| Measure | In Garrard County |
|---|---|
| Population | 6th of 6 |
| Residents per square mile | 6th of 6 |
| Median household income | 2nd of 6 |
| Per capita income | 2nd of 6 |
| Median home value | 4th of 6 |
| Poverty rate | 4th of 5 |
| Bachelor's degree or higher | 6th of 6 |
| Median age | 3rd of 6 |
| Owner-occupied share | 1st of 6 |
The tracts next to it on Garrard County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 9701.02 | 1st | $81,481±$8,694 · within the margin of this tract |
| Tract 9702.02 | 2nd | $70,958±$25,082 |
| Tract 9702.01 | 3rd | $69,353±$11,939 · within the margin of this tract |
| Tract 9704 | 4th | $62,279±$15,167 · within the margin of this tract |
| Tract 9701.01 | 5th | $56,170±$19,312 · 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 9702.02?
4 of the 17 figures for Census Tract 9702.02 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