HomePennsylvaniaBerks CountyKutztown borough
Kutztown borough, Pennsylvania: commercial real estate data.
Kutztown borough is a Census borough of 4,180 people across 1.60 square miles of land, in Berks County. Median household income is $53,090, 49.1 percent of occupied homes are owned, and the SBA record carries 16 7(a) approvals to borrowers here worth $8.8 m.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Kutztown
What Kutztown is
- Census place typeborough
- Land area1.6 sq mi
- Water area0.01 sq mi
- Population per square mile of land2,613
- County holding the largest share of its areaBerks 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.
Kutztown
How many people live in Kutztown
- Population4,180
- Median age37.6 plus or minus 10.3
- Population under 18596 plus or minus 178
- Share under 1814.3 percent plus or minus 4.3
- Population 65 and over966 plus or minus 210
- Share 65 and over23.1 percent plus or minus 5.0
- Households1,925
- Family households663
- Share of households that are families34.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Kutztown
Income and work in Kutztown
- Median household income$53,090 plus or minus $14,368
- Per capita income$32,335
- Civilian labor force2,264
- Employed2,123
- Unemployed141 plus or minus 136
- Unemployment rate6.2 percent plus or minus 6.0
- Adults 25 and over2,821
- Adults 25 and over with a high school diploma or higher98.9 percent
- Adults 25 and over with a bachelor degree or higher41.0 percent
- Adults 25 and over with a graduate degree12.9 percent plus or minus 4.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Kutztown
Housing in Kutztown
- Housing units2,026
- Occupied units1,925
- Vacant units101 plus or minus 129
- Vacancy rate5.0 percent plus or minus 6.3
- Owner occupied945 plus or minus 238
- Renter occupied980 plus or minus 202
- Ownership rate49.1 percent plus or minus 10.6
- Median owner-occupied home value$263,100
- Median gross rent, monthly$1,106
- Annual rent as a share of median income25.0 percent plus or minus 7.7
- Single family units1,225 plus or minus 260
- Share single family60.5 percent
- Units in buildings of two or more791 plus or minus 255
- Share in buildings of two or more39.0 percent plus or minus 11.6
- Mobile homes0
- Median year structure built1962
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Kutztown
How Kutztown gets to work
- Workers 16 and over who commute1,836
- Commuting under 15 minutes723 plus or minus 258
- Share commuting under 15 minutes39.4 percent plus or minus 13.1
- Commuting 30 minutes or more738 plus or minus 275
- Share commuting 30 minutes or more40.2 percent plus or minus 14.1
- Drove alone78.1 percent
- Carpooled3.0 percent plus or minus 2.5
- Public transport0.5 percent plus or minus 0.7
- Walked6.0 percent plus or minus 3.8
- Worked from home12.0 percent plus or minus 5.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Kutztown
SBA loans in Kutztown (7(a))
- Approvals16
- Gross approval$8,757,400
- Average approval$547,338
- Median approval$297,500
- Ninetieth percentile approval$1,456,800
- Largest approval$2,900,000
- Jobs supported143
- Jobs per approval8.9
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more18.8 percent
- Share to franchises0.0 percent
- Distinct lenders11
- Distinct industries by NAICS11
A charge-off rate is not published here. only 2 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Kutztown
SBA loans in Kutztown (504)
- Approvals4
- Gross approval$3,993,000
- Average approval$998,250
- Median approval$1,219,000
- Largest approval$1,606,000
- Jobs supported104
- Loans with a final outcome3
- Charged off0
- Median term240 months
- Distinct CDCs3
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Kutztown
Flood risk in Kutztown
- Listed NFIP communities1
- Of those, participating1
- NFIP community number420136
- Currently effective map date07/03/12
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.
Berks County, not Kutztown
Berks County context, not Kutztown figures
These are Berks County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Kutztown measurements.
- Establishments in Berks County8,521
- Employment at those establishments, Berks County172,167
- Covered employment, Berks County173,692
- Average annual pay, Berks County$63,608
- Average weekly wage, Berks County$1,223
- Housing units permitted, Berks County397
- Of those, single family, Berks County214
- County product, 2024, Berks County$26,580,119,000
- County product change over the prior year, Berks County4.7 percent
- Average income of an arriving household, Berks County$62,310
Every figure in this section is published for Berks County as a whole and is not a measurement of Kutztown. 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
Kutztown questions, answered from the record.
How many people live in Kutztown, Pennsylvania?
4,180, in 1,925 households. Kutztown borough covers 1.60 square miles of land, which is 2,613 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Kutztown in?
Berks 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 Kutztown?
$53,090. The median owner-occupied home is valued at $263,100. Median gross rent is $1,106 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Kutztown businesses?
16 7(a) approvals totalling $8.8 m, across 11 lenders, median approval $297,500, plus 4 504 approvals worth $4.0 m. These count approvals to borrowers whose address is in Kutztown, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Kutztown borrowers get paid back?
No rate is published for Kutztown. only 2 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Kutztown in the National Flood Insurance Program?
Yes. Kutztown appears in the FEMA Community Status Book as community 420136, 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 Kutztown figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Berks 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 Kutztown.
Is zoning published for Kutztown?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.