HomeMaineCumberland CountyGray
Gray, Maine: commercial real estate data.
Gray is a Census CDP of 938 people across 2.94 square miles of land, in Cumberland County. Median household income is $123,833, 34.8 percent of occupied homes are owned, and the SBA record carries 14 7(a) approvals to borrowers here worth $3.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Gray
What Gray is
- Census place typeCDP
- Land area2.94 sq mi
- Water area0 sq mi
- Population per square mile of land320 plus or minus 157
- County holding the largest share of its areaCumberland County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gray
How many people live in Gray
- Population938 plus or minus 460
- Median age33.8 plus or minus 10.3
- Population under 18290 plus or minus 169
- Share under 1830.9 percent plus or minus 9.7
- Population 65 and over146 plus or minus 92
- Share 65 and over15.6 percent plus or minus 6.2
- Households336 plus or minus 148
- Family households200 plus or minus 123
- Share of households that are families59.5 percent plus or minus 25.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gray
Income and work in Gray
- Median household income$123,833 plus or minus $98,064
- Per capita income$59,068 plus or minus $40,451
- Civilian labor force533 plus or minus 283
- Employed494 plus or minus 282
- Unemployed39 plus or minus 58
- Unemployment rate7.3 percent plus or minus 10.2
- Adults 25 and over595 plus or minus 265
- Adults 25 and over with a high school diploma or higher92.1 percent plus or minus 54.0
- Adults 25 and over with a bachelor degree or higher37.8 percent plus or minus 15.8
- Adults 25 and over with a graduate degree7.9 percent plus or minus 9.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gray
Housing in Gray
- Housing units336 plus or minus 148
- Occupied units336 plus or minus 148
- Vacant units0
- Vacancy rate0.0 percent
- Owner occupied117 plus or minus 83
- Renter occupied219 plus or minus 135
- Ownership rate34.8 percent plus or minus 19.4
- Median owner-occupied home value$438,400
- Median gross rent, monthly$1,234 plus or minus $905
- Annual rent as a share of median income12.0 percent plus or minus 12.9
- Single family units116 plus or minus 82
- Share single family34.5 percent plus or minus 19.1
- Units in buildings of two or more220 plus or minus 139
- Share in buildings of two or more65.5 percent plus or minus 29.6
- Mobile homes0
- Median year structure built1961
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gray
How Gray gets to work
- Workers 16 and over who commute463 plus or minus 277
- Commuting under 15 minutes103 plus or minus 114
- Share commuting under 15 minutes22.2 percent plus or minus 20.6
- Commuting 30 minutes or more213 plus or minus 143
- Share commuting 30 minutes or more46.0 percent plus or minus 14.2
- Drove alone93.7 percent
- Carpooled0.0 percent
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home6.3 percent plus or minus 9.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gray
SBA loans in Gray (7(a))
- Approvals14
- Gross approval$3,135,000
- Average approval$223,929
- Median approval$165,500
- Largest approval$1,000,000
- Jobs supported66
- Jobs per approval4.7
- Loans with a final outcome3
- Paid in full3
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more7.1 percent
- Share to franchises0.0 percent
- Distinct lenders5
- Distinct industries by NAICS9
Counted by borrower city: approvals to borrowers whose address is in Gray, in any county, FY2020 to FY2026. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Gray
SBA loans in Gray (504)
- Approvals7
- Gross approval$2,496,000
- Average approval$356,571
- Median approval$253,000
- Largest approval$1,163,000
- Jobs supported35
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Gray, in any county, FY2010 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Gray
Flood risk in Gray
- NFIP communityTown of Gray
- NFIP community number230048
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date06/20/24
The Town of Gray participates in the National Flood Insurance Program as community 230048 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Cumberland County, not Gray
Cumberland County context, not Gray figures
- Establishments in Cumberland County12,242
- Covered employment, Cumberland County192,475
- Average annual pay, Cumberland County$71,351
- Housing units permitted, Cumberland County1,385
Every figure in this section is published for Cumberland County as a whole and is not a measurement of Gray.
All Cumberland County figures →
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Gray questions, answered from the record.
How many people live in Gray, Maine?
938, in 336 households. Gray CDP covers 2.94 square miles of land, which is 320 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Gray in?
Cumberland County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Gray?
$123,833. The median owner-occupied home is valued at $438,400. Median gross rent is $1,234 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Gray businesses?
14 7(a) approvals totaling $3.1 m since FY2020, across 5 lenders, median approval $165,500, plus 7 504 approvals worth $2.5 m since FY2010. These count approvals to borrowers whose address is in Gray, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Gray borrowers get paid back?
No rate is published for Gray. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Gray in the National Flood Insurance Program?
Yes. Gray appears in the FEMA Community Status Book as Gray, town of, community 230048, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Gray figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Cumberland County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Gray.
Is zoning published for Gray?
No. Nothing on this page presents parcel level zoning.