HomeMarylandDorchester CountyCambridge
Cambridge, Maryland: commercial real estate data.
Cambridge is a Census city of 13,152 people across 10.65 square miles of land, in Dorchester County. Median household income is $47,323, 41.1 percent of occupied homes are owned, and the SBA record carries 13 7(a) approvals to borrowers here worth $4.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Cambridge
What Cambridge is
- Census place typecity
- Land area10.65 sq mi
- Water area2.3 sq mi
- Population per square mile of land1,235
- County holding the largest share of its areaDorchester 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.
Cambridge
How many people live in Cambridge
- Population13,152
- Median age39.4
- Population under 182,852
- Share under 1821.7 percent
- Population 65 and over2,777
- Share 65 and over21.1 percent
- Households5,629
- Family households2,877
- Share of households that are families51.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cambridge
Income and work in Cambridge
- Median household income$47,323
- Per capita income$30,543
- Civilian labor force6,328
- Employed5,775
- Unemployed553 plus or minus 197
- Unemployment rate8.7 percent plus or minus 3.0
- Adults 25 and over9,216
- Adults 25 and over with a high school diploma or higher86.5 percent
- Adults 25 and over with a bachelor degree or higher20.1 percent
- Adults 25 and over with a graduate degree9.2 percent plus or minus 2.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cambridge
Housing in Cambridge
- Housing units6,652
- Occupied units5,629
- Vacant units1,023 plus or minus 246
- Vacancy rate15.4 percent plus or minus 3.6
- Owner occupied2,313
- Renter occupied3,316
- Ownership rate41.1 percent
- Median owner-occupied home value$257,900
- Median gross rent, monthly$1,058
- Annual rent as a share of median income26.8 percent
- Single family units4,297
- Share single family64.6 percent
- Units in buildings of two or more2,262
- Share in buildings of two or more34.0 percent
- Mobile homes93 plus or minus 76
- Median year structure built1970
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cambridge
How Cambridge gets to work
- Workers 16 and over who commute5,279
- Commuting under 15 minutes2,336
- Share commuting under 15 minutes44.3 percent
- Commuting 30 minutes or more1,451 plus or minus 333
- Share commuting 30 minutes or more27.5 percent plus or minus 5.7
- Drove alone73.6 percent
- Carpooled14.1 percent plus or minus 4.9
- Public transport0.0 percent
- Walked2.4 percent plus or minus 1.7
- Worked from home6.9 percent plus or minus 2.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cambridge
SBA loans in Cambridge (7(a))
- Approvals13
- Gross approval$4,760,400
- Average approval$366,185
- Median approval$90,000
- Largest approval$2,220,500
- Jobs supported86
- Jobs per approval6.6
- Loans with a final outcome1
- Paid in full0
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more23.1 percent
- Share to franchises7.7 percent
- Distinct lenders5
- Distinct industries by NAICS11
Counted by borrower city: approvals to borrowers whose address is in Cambridge, in any county, FY2020 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, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cambridge
SBA loans in Cambridge (504)
- Approvals5
- Gross approval$1,470,000
- Average approval$294,000
- Median approval$226,000
- Largest approval$598,000
- Jobs supported29
- Loans with a final outcome2
- Charged off1
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Cambridge, in any county, FY2010 to FY2026. Only 2 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.
Cambridge
Flood risk in Cambridge
- NFIP communityCity of Cambridge
- NFIP community number240098
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date03/16/15
The City of Cambridge participates in the National Flood Insurance Program as community 240098 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.
Dorchester County, not Cambridge
Dorchester County context, not Cambridge figures
- Establishments in Dorchester County687
- Covered employment, Dorchester County11,903
- Average annual pay, Dorchester County$52,568
- Housing units permitted, Dorchester County79
Every figure in this section is published for Dorchester County as a whole and is not a measurement of Cambridge.
All Dorchester 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
Cambridge questions, answered from the record.
How many people live in Cambridge, Maryland?
13,152, in 5,629 households. Cambridge city covers 10.65 square miles of land, which is 1,235 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Cambridge in?
Dorchester 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 Cambridge?
$47,323. The median owner-occupied home is valued at $257,900. Median gross rent is $1,058 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Cambridge businesses?
13 7(a) approvals totaling $4.8 m since FY2020, across 5 lenders, median approval $90,000, plus 5 504 approvals worth $1.5 m since FY2010. These count approvals to borrowers whose address is in Cambridge, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Cambridge borrowers get paid back?
No rate is published for Cambridge. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Cambridge in the National Flood Insurance Program?
Yes. Cambridge appears in the FEMA Community Status Book as Cambridge, city of, community 240098, 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 Cambridge figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Dorchester 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 Cambridge.
Is zoning published for Cambridge?
No. Nothing on this page presents parcel level zoning.