Census tract · Garrard County
Census Tract 9704, Garrard County, Kentucky
Census Tract 9704, GEOID 21079970400, in Garrard County, Kentucky, outside any city, town or census-designated place. 3,561 residents in the ACS 2020-2024 5-year estimates (±426); the 2020 Census counted 3,154.
Residents, 2020-2024
3,561
±426 (90% margin)
2020 Census count: 3,154
Median household income
$62,279
±$15,167 (90% margin)
Garrard County: $63,087
Median home value
$146,200
±$20,120 (90% margin)
Garrard County: $204,900
Median gross rent
$789
±$61 (90% margin)
Garrard County: $794
Where is Census Tract 9704?
Census Tract 9704 is one of 6 census tracts in Garrard County, Kentucky. It covers 78.40 square miles of land, 40 residents per square mile in 2020. Its GEOID, 21079970400, names it uniquely (how tract numbers and GEOIDs work).
8 census tracts border Census Tract 9704: Tract 9702.02 ($70,958), Tract 9703 ($39,901), Tract 9204 in Lincoln County ($51,278), Tract 108.01 in Madison County ($81,053), Tract 114.01 in Madison County ($71,875), Tract 114.02 in Madison County ($80,893), Tract 9501 in Rockcastle County ($50,493) and Tract 9502.01 in Rockcastle County ($56,400). 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 9704?
The 2020-2024 American Community Survey puts Census Tract 9704's population at 3,561 (±426) in 1,225 households; the 2020 Census counted 3,154 residents and 1,304 housing units.
| Measure | Tract 9704 | Garrard County |
|---|---|---|
| Total population | 3,561 ±426 | 17,568 |
| Households | 1,225 ±127 | 6,695 |
| Average household size | 2.89 ±0.20 | 2.61 |
| Housing units | 1,305 ±105 | 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 9704?
The median resident of Census Tract 9704 is 41.5 years old; 23.9% are under 18 and 15.8% are 65 or older. The largest group is non-Hispanic white residents at 95.7%, then Hispanic or Latino residents (of any race) at 2.6%.
| Measure | Tract 9704 | Garrard County |
|---|---|---|
| Median age | 41.5 ±3.9 | 43.0 |
| Under 18 years | 23.9% ±4.7 pts | 21.6% |
| 65 years and over | 15.8% ±2.9 pts | 18.7% |
| Hispanic or Latino (any race) | 2.6% ±3.0 pts | 3.0% |
| White alone, not Hispanic | 95.7% ±2.8 pts | 91.6% |
| Black or African American alone, not Hispanic | 0.6% ±0.7 pts | 2.4% |
| Asian alone, not Hispanic | 0.0% ±1.0 pts | 0.1% |
| American Indian and Alaska Native alone, not Hispanic | 0.1% ±0.2 pts | 0.2% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±1.0 pts | 0.0% |
| Two or more races, not Hispanic | 1.0% ±0.8 pts | 2.1% |
| Some other race alone, not Hispanic | 0.0% ±1.0 pts | 0.7% |
| Born outside the United States | 0.6% ±0.9 pts | 2.0% |
| Speak a language other than English at home (age 5+) | 8.8% ±4.7 pts | 4.1% |
| Civilian veterans (age 18+) | 6.3% ±2.5 pts | 8.3% |
| With a disability | 17.6% ±4.8 pts | 19.1% |
| No health insurance coverage | 15.1% ±6.0 pts | 7.6% |
| High school graduate or higher (age 25+) | 74.4% ±6.6 pts | 85.9% |
| Bachelor's degree or higher (age 25+) | 18.1% ±6.5 pts | 18.7% |
| Graduate or professional degree (age 25+) | 6.5% ±4.9 pts | 8.0% |
| Lived in the same house a year earlier | 93.6% ±4.9 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 9704 earn?
Half of the 1,225 households in Census Tract 9704 earn less than $62,279 a year (±$15,167), against $63,087 across Garrard County: 4th highest of the county's 6 tracts with a reliable estimate. 23.4% of residents live below the poverty line.
| Measure | Tract 9704 | Garrard County |
|---|---|---|
| Median household income | $62,279 ±$15,167 | $63,087 |
| Mean household income | $82,861 ±$13,157 | $78,527 |
| Per capita income | $28,610 ±$5,016 | $30,524 |
| People below the poverty line | 23.4% ±7.6 pts | 15.9% |
| Children under 18 below the poverty line | 36.7% ±17.9 pts | 21.6% |
| Households receiving SNAP | 13.5% ±6.0 pts | 12.4% |
| Households with a computer | 90.9% ±4.7 pts | 91.9% |
| Households with a broadband subscription | 90.0% ±6.9 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 9704?
Owners occupy 80.3% of Census Tract 9704's occupied homes and renters 19.7%. The median owner-occupied home is valued at $146,200 by its owner (±$20,120). The median renter pays $789 a month including utilities, and 39.6% of renters pay 35% or more of their income on rent.
| Measure | Tract 9704 | Garrard County |
|---|---|---|
| Median home value (owner-occupied) | $146,200 ±$20,120 | $204,900 |
| Median gross rent | $789 ±$61 | $794 |
| Renters paying 35% or more of income on rent | 39.6% ±23.4 pts | 45.5% |
| Median monthly owner costs, with a mortgage | $1,212 ±$125 | $1,383 |
| Owner-occupied homes | 80.3% ±7.4 pts | 79.9% |
| Renter-occupied homes | 19.7% ±7.4 pts | 20.1% |
| Housing units | 1,305 ±105 | 7,280 |
| Single-family detached homes | 77.6% ±7.7 pts | 79.5% |
| Mobile homes | 16.6% ±6.8 pts | 14.2% |
| Built 2020 or later | 1.5% ±2.2 pts | 3.2% |
| Built 2010 to 2019 | 8.3% ±4.8 pts | 8.5% |
| Built 1939 or earlier | 7.7% ±4.6 pts | 7.4% |
| Households with no vehicle | 2.9% ±2.2 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 9704 get to work?
76.0% of Census Tract 9704's workers drive alone and 9.2% work from home. The average trip to work takes 32.9 minutes.
| Measure | Tract 9704 | Garrard County |
|---|---|---|
| In the labor force (age 16+) | 49.0% ±6.7 pts | 54.7% |
| Unemployment rate | 1.7% ±2.1 pts | 5.1% |
| Drove alone to work | 76.0% ±7.6 pts | 76.7% |
| Carpooled | 11.0% ±5.3 pts | 10.4% |
| Public transportation | 0.0% ±2.8 pts | 0.9% |
| Walked | 1.7% ±2.1 pts | 0.3% |
| Worked from home | 9.2% ±5.4 pts | 11.0% |
| Mean travel time to work | 32.9 min ±5.6 | 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 9704 compare with the other tracts in Garrard County?
Among Garrard County's tracts with a reliable estimate, Census Tract 9704 ranks as shown below (1 = highest).
| Measure | In Garrard County |
|---|---|
| Population | 1st of 6 |
| Residents per square mile | 5th of 6 |
| Median household income | 4th of 6 |
| Per capita income | 5th of 6 |
| Median home value | 6th of 6 |
| Median gross rent | 3rd of 5 |
| Poverty rate | 2nd of 5 |
| Bachelor's degree or higher | 3rd of 6 |
| Median age | 5th of 6 |
| Owner-occupied share | 4th 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 |
| Tract 9702.02 | 2nd | $70,958±$25,082 · within the margin of this tract |
| Tract 9702.01 | 3rd | $69,353±$11,939 · within the margin of this tract |
| Tract 9704 | 4th | $62,279±$15,167 |
| Tract 9701.01 | 5th | $56,170±$19,312 · within the margin of this tract |
| Tract 9703 | 6th | $39,901±$8,376 |
"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 9704?
3 of the 18 figures for Census Tract 9704 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