HomeMarylandWorcester CountyOcean City
Ocean City, Maryland: commercial real estate data.
Ocean City is a Census town of 6,903 people across 4.43 square miles of land, in Worcester County. Median household income is $77,750, 74.2 percent of occupied homes are owned, and the SBA record carries 27 7(a) approvals to borrowers here worth $10.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Ocean City
What Ocean City is
- Census place typetown
- Land area4.43 sq mi
- Water area5.11 sq mi
- Population per square mile of land1,560
- County holding the largest share of its areaWorcester 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.
Ocean City
How many people live in Ocean City
- Population6,903
- Median age55.6
- Population under 18650 plus or minus 170
- Share under 189.4 percent plus or minus 2.5
- Population 65 and over2,154
- Share 65 and over31.2 percent
- Households3,828
- Family households1,916
- Share of households that are families50.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ocean City
Income and work in Ocean City
- Median household income$77,750
- Per capita income$72,487
- Civilian labor force3,819
- Employed3,601
- Unemployed218 plus or minus 86
- Unemployment rate5.7 percent plus or minus 2.2
- Adults 25 and over5,590
- Adults 25 and over with a high school diploma or higher95.0 percent
- Adults 25 and over with a bachelor degree or higher41.7 percent
- Adults 25 and over with a graduate degree16.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ocean City
Housing in Ocean City
- Housing units29,811
- Occupied units3,828
- Vacant units25,983
- Vacancy rate87.2 percent
- Owner occupied2,842
- Renter occupied986 plus or minus 212
- Ownership rate74.2 percent
- Median owner-occupied home value$429,000
- Median gross rent, monthly$1,353
- Annual rent as a share of median income20.9 percent
- Single family units6,657
- Share single family22.3 percent
- Units in buildings of two or more22,290
- Share in buildings of two or more74.8 percent
- Mobile homes864 plus or minus 258
- Median year structure built1982
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ocean City
How Ocean City gets to work
- Workers 16 and over who commute2,979
- Commuting under 15 minutes1,485
- Share commuting under 15 minutes49.8 percent
- Commuting 30 minutes or more718 plus or minus 178
- Share commuting 30 minutes or more24.1 percent plus or minus 5.6
- Drove alone66.3 percent
- Carpooled4.1 percent plus or minus 2.6
- Public transport1.1 percent plus or minus 1.3
- Walked3.9 percent plus or minus 3.1
- Worked from home17.4 percent plus or minus 4.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ocean City
SBA loans in Ocean City (7(a))
- Approvals27
- Gross approval$10,538,900
- Average approval$390,330
- Median approval$150,000
- Ninetieth percentile approval$1,493,060
- Largest approval$1,800,000
- Jobs supported193
- Jobs per approval7.1
- Loans with a final outcome9
- Paid in full9
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more11.1 percent
- Share to franchises3.7 percent
- Distinct lenders11
- Distinct industries by NAICS13
Counted by borrower city: approvals to borrowers whose address is in Ocean City, in any county, FY2020 to FY2026. Only 9 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.
Ocean City
SBA loans in Ocean City (504)
- Approvals6
- Gross approval$19,248,000
- Average approval$3,208,000
- Median approval$2,536,500
- Largest approval$5,475,000
- Jobs supported212
- Loans with a final outcome0
- Charged off0
- Median term270 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Ocean City, 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.
Ocean City
Flood risk in Ocean City
- NFIP communityTown of Ocean City
- NFIP community number245207
- Participating in the NFIPYes
- Community Rating System classClass 6
- Currently effective map date07/16/15
The Town of Ocean City participates in the National Flood Insurance Program as community 245207 and carries Community Rating System class 6, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Worcester County, not Ocean City
Worcester County context, not Ocean City figures
- Establishments in Worcester County2,256
- Covered employment, Worcester County26,303
- Average annual pay, Worcester County$45,838
- Housing units permitted, Worcester County354
Every figure in this section is published for Worcester County as a whole and is not a measurement of Ocean City.
All Worcester 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
Ocean City questions, answered from the record.
How many people live in Ocean City, Maryland?
6,903, in 3,828 households. Ocean City town covers 4.43 square miles of land, which is 1,560 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Ocean City in?
Worcester 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 Ocean City?
$77,750. The median owner-occupied home is valued at $429,000. Median gross rent is $1,353 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Ocean City businesses?
27 7(a) approvals totaling $10.5 m since FY2020, across 11 lenders, median approval $150,000, plus 6 504 approvals worth $19.2 m since FY2010. These count approvals to borrowers whose address is in Ocean City, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Ocean City borrowers get paid back?
No rate is published for Ocean City. Only 9 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 Ocean City in the National Flood Insurance Program?
Yes. Ocean City appears in the FEMA Community Status Book as Ocean City, town of, community 245207, carrying Community Rating System class 6, 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 Ocean City figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Worcester 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 Ocean City.
Is zoning published for Ocean City?
No. Nothing on this page presents parcel level zoning.
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