HomeMarylandWashington CountySmithsburg
Smithsburg, Maryland: commercial real estate data.
Smithsburg is a Census town of 3,115 people across 1.17 square miles of land, in Washington County. Median household income is $100,673, 68.6 percent of occupied homes are owned, and the SBA record carries 3 7(a) approvals to borrowers here worth $1.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Smithsburg
What Smithsburg is
- Census place typetown
- Land area1.17 sq mi
- Water area0.01 sq mi
- Population per square mile of land2,655
- County holding the largest share of its areaWashington 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.
Smithsburg
How many people live in Smithsburg
- Population3,115
- Median age33.6
- Population under 18897
- Share under 1828.8 percent
- Population 65 and over352 plus or minus 97
- Share 65 and over11.3 percent plus or minus 3.1
- Households1,039
- Family households806
- Share of households that are families77.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Smithsburg
Income and work in Smithsburg
- Median household income$100,673 plus or minus $27,336
- Per capita income$40,843
- Civilian labor force1,593
- Employed1,528
- Unemployed65 plus or minus 51
- Unemployment rate4.1 percent plus or minus 3.2
- Adults 25 and over1,946
- Adults 25 and over with a high school diploma or higher94.0 percent
- Adults 25 and over with a bachelor degree or higher27.0 percent plus or minus 6.6
- Adults 25 and over with a graduate degree8.3 percent plus or minus 2.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Smithsburg
Housing in Smithsburg
- Housing units1,101
- Occupied units1,039
- Vacant units62 plus or minus 66
- Vacancy rate5.6 percent plus or minus 6.0
- Owner occupied713
- Renter occupied326 plus or minus 99
- Ownership rate68.6 percent
- Median owner-occupied home value$337,500
- Median gross rent, monthly$931
- Annual rent as a share of median income11.1 percent plus or minus 3.2
- Single family units934
- Share single family84.8 percent
- Units in buildings of two or more167 plus or minus 91
- Share in buildings of two or more15.2 percent plus or minus 8.1
- Mobile homes0
- Median year structure built1993
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Smithsburg
How Smithsburg gets to work
- Workers 16 and over who commute1,352
- Commuting under 15 minutes127 plus or minus 65
- Share commuting under 15 minutes9.4 percent plus or minus 4.7
- Commuting 30 minutes or more733 plus or minus 154
- Share commuting 30 minutes or more54.2 percent
- Drove alone82.8 percent
- Carpooled4.0 percent plus or minus 2.8
- Public transport0.0 percent
- Walked2.5 percent plus or minus 3.0
- Worked from home10.6 percent plus or minus 4.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Smithsburg
SBA loans in Smithsburg (7(a))
- Approvals3
- Gross approval$1,363,500
- Average approval$454,500
- Median approval$300,000
- Largest approval$913,500
- Jobs supported36
- Jobs per approval12.0
- 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 lenders3
- Distinct industries by NAICS3
Counted by borrower city: approvals to borrowers whose address is in Smithsburg, 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.
Smithsburg
SBA loans in Smithsburg (504)
- Approvals1
- Gross approval$2,896,000
- Average approval$2,896,000
- Median approval$2,896,000
- Largest approval$2,896,000
- Jobs supported3
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Smithsburg, 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.
Smithsburg
Flood risk in Smithsburg
- NFIP communityTown of Smithsburg
- NFIP community number240124
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date08/15/17(M)
The Town of Smithsburg participates in the National Flood Insurance Program as community 240124 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.
Washington County, not Smithsburg
Washington County context, not Smithsburg figures
- Establishments in Washington County3,417
- Covered employment, Washington County64,206
- Average annual pay, Washington County$58,252
- Housing units permitted, Washington County232
Every figure in this section is published for Washington County as a whole and is not a measurement of Smithsburg.
All Washington 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
Smithsburg questions, answered from the record.
How many people live in Smithsburg, Maryland?
3,115, in 1,039 households. Smithsburg town covers 1.17 square miles of land, which is 2,655 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Smithsburg in?
Washington 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 Smithsburg?
$100,673. The median owner-occupied home is valued at $337,500. Median gross rent is $931 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Smithsburg businesses?
3 7(a) approvals totaling $1.4 m since FY2020, across 3 lenders, median approval $300,000, plus 1 504 approvals worth $2.9 m since FY2010. These count approvals to borrowers whose address is in Smithsburg, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Smithsburg borrowers get paid back?
No rate is published for Smithsburg. 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 Smithsburg in the National Flood Insurance Program?
Yes. Smithsburg appears in the FEMA Community Status Book as Smithsburg, town of, community 240124, 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 Smithsburg figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Washington 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 Smithsburg.
Is zoning published for Smithsburg?
No. Nothing on this page presents parcel level zoning.