Montgomery County, KY demographics:
population, income, and more

Total population
28,395
0.4% year-over-year change
Median household income
$56,396/yr
-1.9% year-over-year change
Housing units
12,231
0.2% year-over-year change

Montgomery County population

How many people live in Montgomery County

Montgomery County is home to 28,395 residents, according to the most recent Census data. Gender-wise, 48.5% of Montgomery County locals are male, and 51.5% are female.

Total population
28,395
0.4% year-over-year change
Gender ratio
Male
48.5%
13,761
Female
51.5%
14,634
Value Percent YoY change
Male 13,761 48.5% 0.3%
Female 14,634 51.5% 0.6%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Montgomery County is 40, with the population distributed as follows: about 18.9% are children under 15, then 12.7% are in the 15 to 24 age group. Adults between 25 and 44 make up 24.8% of the population, while another 26.6% fall into the 45 to 64 bracket. Finally, around 16.9% are 65 or older.

Median age
40.4
Age breakdown
Under 15
18.9%
15 to 24
12.7%
25 to 44
24.8%
45 to 64
26.6%
Over 65
16.9%
Value Percent YoY change
Under 15 5,371 18.9% -1.3%
15 to 24 3,608 12.7% 5.3%
25 to 44 7,047 24.8% 0.5%
45 to 64 7,563 26.6% -0.5%
Over 65 4,806 16.9% 0.2%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In Montgomery County, 98.4% of the population are US-born citizens, while 0.8% have gained naturalized citizenship. At the same time, 0.8% of residents are non-citizens. As for race, 91.8% of locals are Caucasian, 1.4% are African American and 0.5% have Asian roots. There’s also a share of 4.9% that includes residents with two or more races.

Citizenship
U.S.-born citizens
98.4%
Non-U.S.-born citizens
0.8%
Non-citizens
0.8%
Value Percent YoY change
U.S.-born citizens 27,934 98.4% 0.6%
Non-U.S.-born citizens 222 0.8% 0.9%
Non-citizens 239 0.8% -14.0%
Racial breakdown
White
91.8%
Black or African American
1.4%
American Indian and Alaska Native
0.7%
Asian
0.5%
Native Hawaiian and other Pacific Islander
0%
Two or more races
4.9%
Other
0.7%
Value Percent
White 26,051 91.8%
Black or African American 382 1.4%
American Indian and Alaska Native 206 0.7%
Asian 151 0.5%
Two or more races 1,403 4.9%
Other 202 0.7%

Households in Montgomery County

A peek inside Montgomery County households

Montgomery County has 11,005 households, with an average of 3 members in each. Of these, 67.2% are families, while the remaining 32.8% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
11,005
0.5% year-over-year change
Average people per household
3
Non-family households
3,615
Family households
7,390
Value Percent YoY change
Non-family households 3,615 32.8% 8.3%
Family households 7,390 67.2% -2.9%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Montgomery County

The housing landscape of Montgomery County

Montgomery County's housing consists of 12,231 units, with 66.5% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 4.4% and offer a more compact, shared living style. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 16.4% of the housing landscape.

Housing units
12,231
0.2% year-over-year change
Housing types
Value Percent
1 unit, detached 8,139 66.5%
1 unit, attached 533 4.4%
2 units 610 5%
3 or 4 units 400 3.3%
5 to 9 units 134 1.1%
10 to 19 units 111 0.9%
20 to 49 units 29 0.2%
50 or more units 238 2%
Mobile home 2,003 16.4%
Boat, RV, van, etc. 34 0.3%
Homes built since 2020
83
33.9% year-over-year change

The age of buildings in Montgomery County

In Montgomery County, the median construction year is 1987. About 9.4% of homes were built before the 1940s, with another 2.8% going up by 1949. Most development happened in the second half of the 20th century. Then, 21.9% of homes were added from 2000 to 2009, 7.2% between 2010 and 2019, and 0.7% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 1,146 9.4% 1.1%
Built between 1940 and 1949 339 2.8% -6.6%
Built between 1950 and 1959 637 5.2% -0.5%
Built between 1960 and 1969 1,010 8.3% -6.0%
Built between 1970 and 1979 1,942 15.9% -12.5%
Built between 1980 and 1989 1,509 12.3% 18.1%
Built between 1990 and 1999 1,998 16.3% 11.8%
Built between 2000 and 2009 2,684 21.9% 0.8%
Built between 2010 and 2019 883 7.2% -10.2%
Built in 2020 or later 83 0.7% 33.9%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Montgomery County occupancy rates

Out of the 11,005 occupied housing units in Montgomery County, 68.3% are owner-occupied, while 31.7% are lived in by tenants. Meanwhile, 10% of all homes on the local market sit vacant.

Occupied housing units
11,005
0.5% year-over-year change
Occupancy breakdown
Renter occupied
3,487
Owner occupied
7,518
Value Percent YoY
change
Renter occupied 3,487 31.7% -5.5%
Owner occupied 7,518 68.3% 3.6%
Unoccupied housing units
10.0%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Montgomery County housing costs

Housing costs in Montgomery County come to a median of $843 per month, while tenants specifically pay a median gross rent of $830.

Median housing costs per month
$843/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in Montgomery County
$830/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in Montgomery County

Montgomery County education at a glance

About 47.1% of the population in Montgomery County went to high school, while 20.8% pursued college studies. Another 7.5% earned an associate degree and 11.7% hold a bachelor’s. Meanwhile, 7.7% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 1,134 5.2% -11.2%
High school diploma 10,267 47.1% -2.5%
College diploma 4,544 20.8% 10.8%
Associate degree 1,633 7.5% 4.4%
Bachelor's degree 2,543 11.7% 6.1%
Graduate degree 1,681 7.7% -6.3%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Montgomery County

How much people earn in Montgomery County

The average annual household income in Montgomery County was $74,506 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a +3.5% change from the previous year. At the same time, the median income stood at $56,396, reflecting a -1.9% shift over the same period.

Average household income in Montgomery County
$74,506/year
3.5% year-over-year change
Median household income in Montgomery County
$56,396/year
-1.9% year-over-year change

Montgomery County income by age

In Montgomery County, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $61,860. Those with someone between 45 and 64 in charge, often well established professionally, earn $76,076 overall. Younger households, where the main provider is under 25 and just starting out, report a median income of $40,994, while those led by someone over 65, many of whom may be retired, have about $44,116 in earnings. Overall, 84.8% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
Under 25 $40,994 -19.0%
25 - 44 $61,860 -3.2%
45 - 64 $76,076 -0.1%
Over 65 $44,116 1.8%
Above poverty level
23,353
Below poverty level
4,175
Value Percent YoY
change
Above poverty level 23,353 84.8% 0.1%
Below poverty level 4,175 15.2% 3.0%

Employment in Montgomery County

Workforce and job types in Montgomery County

The job market in Montgomery County is powered by 12,652 working residents, spread across a range of industries and roles. 62.6% of the working population are employed in professional or administrative positions, while 37.4% are in hands-on or service-based jobs. Also, 6.9% run their own businesses, 74.2% are employed by private companies, and 12% work in the public sector.

Workforce demographics

Working population
12,652
2.4% year-over-year change
White collar
7,918
Blue collar
4,734
Value Percent YoY change
White collar 7,918 62.6% 2.2%
Blue collar 4,734 37.4% 2.7%
Employer type
Self employees
6.9%
Private companies
74.2%
Governmental workers
12%
Not for profit companies
6.8%
Value Percent YoY change
Self employees 872 6.9% 6.1%
Private companies 9,394 74.2% 3.4%
Governmental workers 1,524 12% -1.6%
Not for profit companies 862 6.8% -5.0%
Unemployment rate
4.0%
0.0% year-over-year change

Available workforce

The unemployment rate in Montgomery County stands at 4%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in Montgomery County

How people get around in Montgomery County

Commuting methods vary: 90.5% of residents travel by personal vehicle and 1% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Means of transportation
Value Percent YoY change
Car 11,101 90.5% 0.3%
Bus or trolleybus 10 0.1% 100.0%
Ferryboat 6 0% 50.0%
Motorcycle 21 0.2% -19.2%
Walk 123 1% 98.4%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in Montgomery County by zipcode?

Zipcode Population Number of households Median income Average income
40337 5,244 1,740 $54,128 $63,977
40346 819 267 $31,023 $70,642
40353 22,725 9,118 $57,329 $76,981

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FAQs about Montgomery County demographics 

What is the total population of Montgomery County?

Montgomery County has a total population of 28,395 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by +0.4% compared to a year ago.

What is the gender ratio in Montgomery County?

The gender ratio in Montgomery County is as follows:
  • 48.5% males (13,761 residents)
  • 51.5% females (14,634 residents)

What is the median age in Montgomery County?

The median age in Montgomery County is 40.4.

What is the age distribution of the population in Montgomery County?

The age distribution in Montgomery County is as follows:
  • Under 15: 18.9% (5,371 residents)
  • Ages 15-24: 12.7% (3,608 residents)
  • Ages 25-44: 24.8% (7,047 residents)
  • Ages 45-64: 26.6% (7,563 residents)
  • Over 65: 16.9% (4,806 residents)

What is the racial and ethnic makeup of Montgomery County?

The racial and ethnic makeup of Montgomery County is as follows:
  • White: 91.8% (26,051 residents)
  • Black or African American: 1.4% (382 residents)
  • American Indian and Alaska Native: 0.7% (206 residents)
  • Asian: 0.5% (151 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (0 residents)
  • Two or More Races: 4.9% (1,403 residents)
  • Other: 0.7% (202 residents)

What percentage of the population in Montgomery County are U.S.-born citizens?

U.S.-born citizens represent 98.4% of the population in Montgomery County.

How many housing units are there in Montgomery County?

There are 12,231 housing units in Montgomery County, reflecting a +0.2% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Montgomery County and what is the average household size?

Montgomery County has a total of 11,005 households, with an average of 3 people in each.

What is the median household income in Montgomery County?

Montgomery County has a median household income of $56,396, representing a -1.9% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Montgomery County?

The employment rate is 96% in Montgomery County, with a workforce of 12,652 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 62.6% (7,918 residents)
  • Blue-collar workers: 37.4% (4,734 residents)

Places of employment:
  • Self-employed: 6.9% (872 residents)
  • Private companies: 74.2% (9,394 residents)
  • Governmental workers: 12% (1,524 residents)
  • Not-for-profit companies: 6.8% (862 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025