HomeMarylandTalbot CountySt. Michaels
St. Michaels, Maryland: commercial real estate data.
St. Michaels is a Census town of 1,240 people across 1.17 square miles of land, in Talbot County. Median household income is $78,265, 75.6 percent of occupied homes are owned, and the SBA record carries 10 7(a) approvals to borrowers here worth $5.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
St. Michaels
What St. Michaels is
- Census place typetown
- Land area1.17 sq mi
- Water area0.1 sq mi
- Population per square mile of land1,064 plus or minus 285
- County holding the largest share of its areaTalbot 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.
St. Michaels
How many people live in St. Michaels
- Population1,240 plus or minus 332
- Median age55.4
- Population under 18130 plus or minus 62
- Share under 1810.5 percent plus or minus 4.2
- Population 65 and over492 plus or minus 133
- Share 65 and over39.7 percent
- Households624 plus or minus 173
- Family households413 plus or minus 163
- Share of households that are families66.2 percent plus or minus 18.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Michaels
Income and work in St. Michaels
- Median household income$78,265
- Per capita income$61,244 plus or minus $14,382
- Civilian labor force501 plus or minus 148
- Employed463 plus or minus 139
- Unemployed38 plus or minus 29
- Unemployment rate7.6 percent plus or minus 5.3
- Adults 25 and over958 plus or minus 246
- Adults 25 and over with a high school diploma or higher80.3 percent plus or minus 26.9
- Adults 25 and over with a bachelor degree or higher49.7 percent
- Adults 25 and over with a graduate degree22.5 percent plus or minus 6.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Michaels
Housing in St. Michaels
- Housing units824 plus or minus 179
- Occupied units624 plus or minus 173
- Vacant units200 plus or minus 62
- Vacancy rate24.3 percent plus or minus 5.4
- Owner occupied472 plus or minus 162
- Renter occupied152 plus or minus 56
- Ownership rate75.6 percent plus or minus 15.3
- Median owner-occupied home value$565,600 plus or minus $262,413
- Median gross rent, monthly$917
- Annual rent as a share of median income14.1 percent plus or minus 3.0
- Single family units688 plus or minus 171
- Share single family83.5 percent
- Units in buildings of two or more136 plus or minus 58
- Share in buildings of two or more16.5 percent plus or minus 6.1
- Mobile homes0
- Median year structure built1974
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Michaels
How St. Michaels gets to work
- Workers 16 and over who commute382 plus or minus 129
- Commuting under 15 minutes157 plus or minus 104
- Share commuting under 15 minutes41.1 percent plus or minus 23.5
- Commuting 30 minutes or more106 plus or minus 59
- Share commuting 30 minutes or more27.7 percent plus or minus 12.4
- Drove alone73.9 percent plus or minus 16.5
- Carpooled1.9 percent plus or minus 2.3
- Public transport0.9 percent plus or minus 1.3
- Walked5.2 percent plus or minus 4.3
- Worked from home17.5 percent plus or minus 6.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Michaels
SBA loans in St. Michaels (7(a))
- Approvals10
- Gross approval$5,352,500
- Average approval$535,250
- Median approval$42,500
- Largest approval$4,726,000
- Jobs supported104
- Jobs per approval10.4
- Loans with a final outcome2
- Paid in full0
- Charged off2
- Median term117 months
- Share on real estate terms of 20 years or more10.0 percent
- Share to franchises30.0 percent
- Distinct lenders2
- Distinct industries by NAICS6
Counted by borrower city: approvals to borrowers whose address is in St. Michaels, in any county, FY2020 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, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
St. Michaels
SBA loans in St. Michaels (504)
- Approvals2
- Gross approval$1,760,000
- Average approval$880,000
- Median approval$880,000
- Largest approval$1,154,000
- Jobs supported6
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in St. Michaels, 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.
St. Michaels
Flood risk in St. Michaels
- NFIP communityTown of St. Michaels
- NFIP community number240069
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date07/20/16
The Town of St. Michaels participates in the National Flood Insurance Program as community 240069 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.
Talbot County, not St. Michaels
Talbot County context, not St. Michaels figures
- Establishments in Talbot County1,468
- Covered employment, Talbot County18,220
- Average annual pay, Talbot County$56,684
- Housing units permitted, Talbot County104
Every figure in this section is published for Talbot County as a whole and is not a measurement of St. Michaels.
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
St. Michaels questions, answered from the record.
How many people live in St. Michaels, Maryland?
1,240, in 624 households. St. Michaels town covers 1.17 square miles of land, which is 1,064 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is St. Michaels in?
Talbot 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 St. Michaels?
$78,265. The median owner-occupied home is valued at $565,600. Median gross rent is $917 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to St. Michaels businesses?
10 7(a) approvals totaling $5.4 m since FY2020, across 2 lenders, median approval $42,500, plus 2 504 approvals worth $1.8 m since FY2010. These count approvals to borrowers whose address is in St. Michaels, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to St. Michaels borrowers get paid back?
No rate is published for St. Michaels. Only 2 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 St. Michaels in the National Flood Insurance Program?
Yes. St. Michaels appears in the FEMA Community Status Book as St. Michaels, town of, community 240069, 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 St. Michaels figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Talbot 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 St. Michaels.
Is zoning published for St. Michaels?
No. Nothing on this page presents parcel level zoning.
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