HomeMarylandFrederick CountyEmmitsburg
Emmitsburg, Maryland: commercial real estate data.
Emmitsburg is a Census town of 2,845 people across 1.62 square miles of land, in Frederick County. Median household income is $81,250, 72.3 percent of occupied homes are owned, and the SBA record carries 3 7(a) approvals to borrowers here worth $85,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Emmitsburg
What Emmitsburg is
- Census place typetown
- Land area1.62 sq mi
- Water area0.02 sq mi
- Population per square mile of land1,760
- County holding the largest share of its areaFrederick 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.
Emmitsburg
How many people live in Emmitsburg
- Population2,845
- Median age35.7 plus or minus 8.5
- Population under 18603 plus or minus 124
- Share under 1821.2 percent plus or minus 4.4
- Population 65 and over636 plus or minus 160
- Share 65 and over22.4 percent plus or minus 5.6
- Households1,064
- Family households711
- Share of households that are families66.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Emmitsburg
Income and work in Emmitsburg
- Median household income$81,250 plus or minus $29,673
- Per capita income$36,300
- Civilian labor force1,405
- Employed1,392
- Unemployed13 plus or minus 15
- Unemployment rate0.9 percent plus or minus 1.1
- Adults 25 and over1,829
- Adults 25 and over with a high school diploma or higher87.7 percent
- Adults 25 and over with a bachelor degree or higher28.5 percent plus or minus 6.8
- Adults 25 and over with a graduate degree14.3 percent plus or minus 4.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Emmitsburg
Housing in Emmitsburg
- Housing units1,094
- Occupied units1,064
- Vacant units30 plus or minus 41
- Vacancy rate2.7 percent plus or minus 3.7
- Owner occupied769
- Renter occupied295 plus or minus 125
- Ownership rate72.3 percent
- Median owner-occupied home value$324,300
- Median gross rent, monthly$635 plus or minus $412
- Annual rent as a share of median income9.4 percent plus or minus 7.0
- Single family units894
- Share single family81.7 percent
- Units in buildings of two or more200 plus or minus 95
- Share in buildings of two or more18.3 percent plus or minus 8.3
- Mobile homes0
- Median year structure built1986
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Emmitsburg
How Emmitsburg gets to work
- Workers 16 and over who commute1,203
- Commuting under 15 minutes164 plus or minus 74
- Share commuting under 15 minutes13.6 percent plus or minus 5.7
- Commuting 30 minutes or more859 plus or minus 209
- Share commuting 30 minutes or more71.4 percent
- Drove alone72.2 percent
- Carpooled12.1 percent plus or minus 6.4
- Public transport0.0 percent
- Walked2.6 percent plus or minus 3.9
- Worked from home12.5 percent plus or minus 4.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Emmitsburg
SBA loans in Emmitsburg (7(a))
- Approvals3
- Gross approval$85,000
- Average approval$28,333
- Median approval$25,000
- Largest approval$40,000
- Jobs supported9
- Jobs per approval3.0
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders2
- Distinct industries by NAICS3
Counted by borrower city: approvals to borrowers whose address is in Emmitsburg, 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.
Emmitsburg
SBA loans in Emmitsburg (504)
- Approvals2
- Gross approval$3,615,000
- Average approval$1,807,500
- Median approval$1,807,500
- Largest approval$2,253,000
- Jobs supported15
- Loans with a final outcome0
- Charged off0
- Median term270 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Emmitsburg, in any county, FY2010 to FY2026. Only 0 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.
Emmitsburg
Flood risk in Emmitsburg
- NFIP communityTown of Emmitsburg
- NFIP community number240029
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date08/01/23
The Town of Emmitsburg participates in the National Flood Insurance Program as community 240029 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.
Frederick County, not Emmitsburg
Frederick County context, not Emmitsburg figures
- Establishments in Frederick County6,591
- Covered employment, Frederick County108,438
- Average annual pay, Frederick County$69,852
- Housing units permitted, Frederick County1,562
Every figure in this section is published for Frederick County as a whole and is not a measurement of Emmitsburg.
All Frederick 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
Emmitsburg questions, answered from the record.
How many people live in Emmitsburg, Maryland?
2,845, in 1,064 households. Emmitsburg town covers 1.62 square miles of land, which is 1,760 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Emmitsburg in?
Frederick 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 Emmitsburg?
$81,250. The median owner-occupied home is valued at $324,300. Median gross rent is $635 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Emmitsburg businesses?
3 7(a) approvals totaling $85,000 since FY2020, across 2 lenders, median approval $25,000, plus 2 504 approvals worth $3.6 m since FY2010. These count approvals to borrowers whose address is in Emmitsburg, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Emmitsburg borrowers get paid back?
No rate is published for Emmitsburg. 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 Emmitsburg in the National Flood Insurance Program?
Yes. Emmitsburg appears in the FEMA Community Status Book as Emmitsburg, town of, community 240029, 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 Emmitsburg figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Frederick 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 Emmitsburg.
Is zoning published for Emmitsburg?
No. Nothing on this page presents parcel level zoning.