Saco, Maine: commercial real estate data.
Saco is a Census city of 20,819 people across 38.58 square miles of land, in York County. Median household income is $92,241, 72.8 percent of occupied homes are owned, and the SBA record carries 42 7(a) approvals to borrowers here worth $21.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Saco
What Saco is
- Census place typecity
- Land area38.58 sq mi
- Water area14.24 sq mi
- Population per square mile of land540
- County holding the largest share of its areaYork 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.
Saco
How many people live in Saco
- Population20,819
- Median age44.9
- Population under 183,482
- Share under 1816.7 percent
- Population 65 and over3,852
- Share 65 and over18.5 percent
- Households8,998
- Family households5,587
- Share of households that are families62.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Saco
Income and work in Saco
- Median household income$92,241
- Per capita income$51,652
- Civilian labor force11,963
- Employed11,706
- Unemployed257 plus or minus 144
- Unemployment rate2.1 percent plus or minus 1.2
- Adults 25 and over15,798
- Adults 25 and over with a high school diploma or higher96.5 percent
- Adults 25 and over with a bachelor degree or higher43.5 percent
- Adults 25 and over with a graduate degree14.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Saco
Housing in Saco
- Housing units9,869
- Occupied units8,998
- Vacant units871 plus or minus 249
- Vacancy rate8.8 percent plus or minus 2.5
- Owner occupied6,553
- Renter occupied2,445
- Ownership rate72.8 percent
- Median owner-occupied home value$413,100
- Median gross rent, monthly$1,249 plus or minus $385
- Annual rent as a share of median income16.2 percent plus or minus 5.4
- Single family units6,176
- Share single family62.6 percent
- Units in buildings of two or more3,363
- Share in buildings of two or more34.1 percent
- Mobile homes330 plus or minus 128
- Median year structure built1982
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Saco
How Saco gets to work
- Workers 16 and over who commute9,306
- Commuting under 15 minutes2,086 plus or minus 435
- Share commuting under 15 minutes22.4 percent plus or minus 4.5
- Commuting 30 minutes or more2,823
- Share commuting 30 minutes or more30.3 percent
- Drove alone70.4 percent
- Carpooled7.0 percent plus or minus 2.1
- Public transport0.8 percent plus or minus 0.7
- Walked1.4 percent plus or minus 1.0
- Worked from home19.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Saco
SBA loans in Saco (7(a))
- Approvals42
- Gross approval$21,777,500
- Average approval$518,512
- Median approval$150,000
- Ninetieth percentile approval$1,311,000
- Largest approval$5,000,000
- Jobs supported429
- Jobs per approval10.2
- Loans with a final outcome7
- Paid in full7
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more14.3 percent
- Share to franchises2.4 percent
- Distinct lenders16
- Distinct industries by NAICS29
Counted by borrower city: approvals to borrowers whose address is in Saco, in any county, FY2020 to FY2026. Only 7 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.
Saco
SBA loans in Saco (504)
- Approvals24
- Gross approval$17,403,000
- Average approval$725,125
- Median approval$437,000
- Largest approval$5,000,000
- Jobs supported194
- Loans with a final outcome8
- Charged off0
- Median term270 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Saco, in any county, FY2010 to FY2026. Only 8 loans have 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.
Saco
Flood risk in Saco
- NFIP communityCity of Saco
- NFIP community number230155
- Participating in the NFIPYes
- Community Rating System classClass 8
- Currently effective map date07/17/24
The City of Saco participates in the National Flood Insurance Program as community 230155 and carries Community Rating System class 8, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
York County, not Saco
York County context, not Saco figures
- Establishments in York County5,914
- Covered employment, York County79,378
- Average annual pay, York County$61,811
- Housing units permitted, York County1,408
Every figure in this section is published for York County as a whole and is not a measurement of Saco.
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
Saco questions, answered from the record.
How many people live in Saco, Maine?
20,819, in 8,998 households. Saco city covers 38.58 square miles of land, which is 540 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Saco in?
York 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 Saco?
$92,241. The median owner-occupied home is valued at $413,100. Median gross rent is $1,249 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Saco businesses?
42 7(a) approvals totaling $21.8 m since FY2020, across 16 lenders, median approval $150,000, plus 24 504 approvals worth $17.4 m since FY2010. These count approvals to borrowers whose address is in Saco, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Saco borrowers get paid back?
No rate is published for Saco. Only 7 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 Saco in the National Flood Insurance Program?
Yes. Saco appears in the FEMA Community Status Book as Saco, city of, community 230155, carrying Community Rating System class 8, which is a premium discount for exceeding the program minimum. 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 Saco figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for York 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 Saco.
Is zoning published for Saco?
No. Nothing on this page presents parcel level zoning.