HomeOhioGuernsey CountyCambridge city
Cambridge city, Ohio: commercial real estate data.
Cambridge city is a Census city of 10,060 people across 6.37 square miles of land, in Guernsey County. Median household income is $42,946, 48.6 percent of occupied homes are owned, and the SBA record carries 50 7(a) approvals to borrowers here worth $20.4 m.
81 sourced place values · tier FULL · 9 sections
Cambridge
What Cambridge is
- Census place typecity
- Land area6.37 sq mi
- Water area0 sq mi
- Population per square mile of land1,580
- County holding the largest share of its areaGuernsey 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
- Population10,060
- Median age42.3
- Population under 182,164
- Share under 1821.5 percent
- Population 65 and over2,040
- Share 65 and over20.3 percent
- Households5,017
- Family households2,426
- Share of households that are families48.4 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$42,946
- Per capita income$27,956
- Civilian labor force4,523
- Employed4,388
- Unemployed135 plus or minus 92
- Unemployment rate3.0 percent plus or minus 2.0
- Adults 25 and over7,190
- Adults 25 and over with a high school diploma or higher87.2 percent
- Adults 25 and over with a bachelor degree or higher15.4 percent plus or minus 3.2
- Adults 25 and over with a graduate degree5.7 percent plus or minus 2.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cambridge
Housing in Cambridge
- Housing units5,420
- Occupied units5,017
- Vacant units403 plus or minus 182
- Vacancy rate7.4 percent plus or minus 3.3
- Owner occupied2,436
- Renter occupied2,581
- Ownership rate48.6 percent
- Median owner-occupied home value$121,900
- Median gross rent, monthly$788
- Annual rent as a share of median income22.0 percent
- Single family units3,517
- Share single family64.9 percent
- Units in buildings of two or more1,708
- Share in buildings of two or more31.5 percent
- Mobile homes195 plus or minus 109
- Median year structure built1955
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 commute4,180
- Commuting under 15 minutes2,377
- Share commuting under 15 minutes56.9 percent
- Commuting 30 minutes or more935 plus or minus 267
- Share commuting 30 minutes or more22.4 percent plus or minus 6.1
- Drove alone86.6 percent
- Carpooled8.4 percent plus or minus 3.6
- Public transport0.0 percent
- Walked1.1 percent plus or minus 0.8
- Worked from home2.8 percent plus or minus 1.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cambridge
SBA 7(a) lending to Cambridge borrowers
- Approvals50
- Gross approval$20,374,300
- Average approval$407,486
- Median approval$70,000
- Ninetieth percentile approval$1,448,000
- Largest approval$4,720,000
- Jobs supported270
- Jobs per approval5.4
- Loans with a final outcome11
- Paid in full9
- Charged off2
- Charge-off rate over resolved loans18.2 percent
- Median term120 months
- Share on real estate terms of 20 years or more14.0 percent
- Share to franchises20.0 percent
- Distinct lenders10
- Distinct industries by NAICS33
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cambridge
SBA 504 lending to Cambridge borrowers
- Approvals3
- Gross approval$2,454,000
- Average approval$818,000
- Median approval$722,000
- Largest approval$1,468,000
- Jobs supported73
- Loans with a final outcome0
- Charged off0
- Median term240 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Cambridge
Flood programme status in Cambridge
- Listed NFIP communities1
- Of those, participating1
- NFIP community number390200
- Currently effective map date08/16/11
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Guernsey County, not Cambridge
Guernsey County context, not Cambridge figures
These are Guernsey County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Cambridge measurements.
- Establishments in Guernsey County828
- Employment at those establishments, Guernsey County12,636
- Covered employment, Guernsey County14,599
- Average annual pay, Guernsey County$52,287
- Average weekly wage, Guernsey County$1,006
- Housing units permitted, Guernsey County35
- Of those, single family, Guernsey County35
- County product, 2024, Guernsey County$3,691,269,000
- County product change over the prior year, Guernsey County11.8 percent
- Average income of an arriving household, Guernsey County$47,488
Every figure in this section is published for Guernsey County as a whole and is not a measurement of Cambridge. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Cambridge questions, answered from the record.
How many people live in Cambridge, Ohio?
10,060, in 5,017 households. Cambridge city covers 6.37 square miles of land, which is 1,580 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?
Guernsey 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?
$42,946. The median owner-occupied home is valued at $121,900. Median gross rent is $788 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?
50 7(a) approvals totalling $20.4 m, across 10 lenders, median approval $70,000, plus 3 504 approvals worth $2.5 m. 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?
Of the 11 loans that have reached a final outcome, 9 were paid in full and 2 charged off, a charge off rate of 18.2 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Cambridge in the National Flood Insurance Program?
Yes. Cambridge appears in the FEMA Community Status Book as community 390200, 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 labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Guernsey 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.