HomePennsylvaniaCambria County
Cambria County, Pennsylvania: commercial real estate data.
Cambria County, Pennsylvania had an estimated 130,108 residents on July 1, 2024, down 2.5 percent since the 2020 census base of 133,463, across 688 square miles. County output reached $6.21 bn in 2024, 2,996 establishments operate here, and the SBA record carries 30 7(a) approvals worth $17.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Cambria County
How many people live in Cambria County
- Population, American Community Survey 2020-2024131,538
- Households55,973
- Average household size2.35
- Median household income$58,418
- Median age45.6
- Median gross rent$739 per month
- Median owner-occupied home value$121,000
- Home value to household income2.1 times
- Annual rent as a share of median income15.2 percent
- Adults 25 and over with a bachelor degree or higher23.9 percent
- Adults 25 and over with a graduate degree8.2 percent
- Adults 25 and over94,666
- Population under 1825,261
- Share under 1819.2 percent
- Population 65 and over31,490
- Share 65 and over23.9 percent
- Working age population, 18 to 6474,787
- Civilian labor force59,446
- Unemployment rate4.7 percent
- Labor force participation, adults 18 and over55.9 percent
- Rank by population among Pennsylvania counties26th of 67
- Rank by population among US county-equivalents, Puerto Rico included497th of 3,222
Cambria County is the 26th largest of 67 Pennsylvania counties by population. A median home costs 2.1 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 23.9 percent against 19.2 percent, which points demand at health care, services and single story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Cambria County
Is Cambria County's population growing?
- Population, July 1, 2024130,108
- Census 2020 base population133,463
- Population change since the 2020 census base-2.51 percent
- Population change, 2023 to 2024-605
- Births, 20241,183
- Deaths, 20241,938
- Natural change, 2024-755
- Net domestic migration, 202445
- Net international migration, 2024111
- Total net migration, 2024156
- Cumulative net domestic migration, 2021 to 2024155
- Rank by growth among US county-equivalents2637th of 3,144
The county has lost 2.51 percent of its population since the 2020 census base. Deaths exceeded births in 2024 by more than net migration added, so the population fell even though more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Cambria County
Where are people moving to Cambria County from?
- Tax returns filed by households arriving2,043
- People arriving, from those returns3,613
- Tax returns filed by households leaving2,083
- Net household movement-40
- Adjusted gross income arriving$101.6 m
- Net adjusted gross income movement$-14.8 m
- Average income of an arriving household$49,744
- Average income of a leaving household$55,877
- Largest single originSomerset County (251 households)
- Largest single destinationSomerset County (272 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Somerset County | 251 | 427 | $12.9 m |
| Blair County | 199 | 332 | $7.8 m |
| Indiana County | 124 | 211 | $5.0 m |
| Allegheny County | 103 | 148 | $6.3 m |
| Philadelphia County | 97 | 235 | $2.5 m |
| Westmoreland County | 95 | 163 | $5.9 m |
| Clearfield County | 77 | 133 | $3.2 m |
| Bedford County | 41 | 72 | $2.0 m |
Households arriving report $6,133 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Somerset County, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Cambria County
What is the Cambria County economy?
- County GDP, 2024$6.21 bn
- County GDP, 2023$5.98 bn
- GDP change, 2023 to 20243.7 percent
- GDP change over five years25.3 percent
- Rank by GDP among the Pennsylvania areas BEA publishes29th of 67
- Rank by GDP among the US county areas BEA publishes634th of 3,127
- GDP per resident$47,197
Output grew 3.7 percent in the latest year and 25.3 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Cambria County
Employment by industry in Cambria County
- Covered employment, annual average47,545
- Establishments reporting3,304
- Average annual pay$49,791
- Average weekly wage$958
- Health care and social assistance, employment9,974
- Health care and social assistance, average annual pay$57,025
- Retail trade, employment6,068
- Retail trade, average annual pay$32,295
- Manufacturing, employment4,191
- Manufacturing, average annual pay$61,370
- Accommodation and food services, employment3,974
- Accommodation and food services, average annual pay$17,325
- Other services, except public administration, employment2,109
- Administrative and support and waste management services, employment1,981
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 9,974 | 619 | $57,025 |
| Retail trade | 6,068 | 448 | $32,295 |
| Manufacturing | 4,191 | 126 | $61,370 |
| Accommodation and food services | 3,974 | 297 | $17,325 |
| Other services, except public administration | 2,109 | 358 | $32,971 |
| Administrative and support and waste management services | 1,981 | 132 | $38,123 |
| Transportation and warehousing | 1,979 | 98 | $46,019 |
| Professional, scientific and technical services | 1,910 | 194 | $78,720 |
Health care and social assistance is the largest private sector at 9,974 jobs, 21.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Cambria County
How many businesses are in Cambria County?
- Establishments, all industries2,996
- Employment at those establishments43,601
- Annual payroll$1.92 bn
- Establishments per 1,000 residents22.8
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Cambria County
Building permits in Cambria County
- Housing units authorized by permit, 202462
- Declared construction value permitted$20.9 m
- Single family units authorized58
- Multifamily units authorized4
- Multifamily share of units6.5 percent
- Average declared value per unit$337,734
- Units authorized per 1,000 households1.1
Single-family homes are 93.5 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Cambria County
SBA loans in Cambria County (7(a) and 504)
- 7(a) approvals recorded30
- 7(a) gross approval dollars$17.0 m
- Average 7(a) approval$567,640
- Median 7(a) approval$167,250
- 10th percentile approval$50,000
- 90th percentile approval$1,518,000
- Largest single approval$3,500,000
- Jobs reported supported, 7(a)259
- Jobs per approval8.6
- Distinct 7(a) lenders active17
- Distinct industries receiving approvals22
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer23.3 percent
- Loans on real estate terms7
- Loans on working capital terms, 120 months or shorter21
- Franchise loans2
- Franchise share of approvals6.7 percent
- Most active lenderFirst Commonwealth Bank (8)
- 504 approvals recorded7
- 504 gross approval dollars$5.3 m
- Average 504 approval$751,286
- Median 504 approval$655,000
- Distinct CDCs active4
- 504 jobs per approval10.0
- 504 jobs per million dollars approved13.3
- Most active CDCEmpire State Certified Development Corporation (3)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$22.3 m
The average approval of $567,640 sits well above the median of $167,250, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 23.3 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Cambria County
SBA loan default and charge-off rates in Cambria County
Do SBA loans in Cambria County get paid back?
- Loans with a final outcome recorded10
- Paid in full9
- Charged off1
- Status: Paid in full9
- Status: Exempt from disclosure12
- Status: Charged off1
- Status: Committed, not yet disbursed2
- Status: Cancelled6
Only 10 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cambria County
SBA lending by place in Cambria County
- Borrower cities with recorded lending8
- Johnstown, approvals11
- Ebensburg, approvals7
- Summerhill, approvals5
- Patton, approvals2
- Carrolltown, approvals2
- Northern Cambria, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Johnstown | 11 | $8,717,100 |
| Ebensburg | 7 | $3,893,000 |
| Summerhill | 5 | $800,000 |
| Patton | 2 | $254,500 |
| Carrolltown | 2 | $130,000 |
| Northern Cambria | 1 | $1,680,000 |
| Cresson | 1 | $1,479,600 |
| Gallitzin | 1 | $75,000 |
Johnstown accounts for 11 approvals against 7 in Ebensburg. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cambria County
How large is Cambria County?
- Land area688 sq mi
- Rank by land area among Pennsylvania counties31st of 67
- Width, east to west37.1 mi
- Height, north to south33.4 mi
- Geographies sharing a boundary6
- Residents per square mile of land191
- Establishments per square mile4.35
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Cambria County
Flood risk in Cambria County
- Communities in the county in the NFIP Community Status Book58
- Of those, participating in the NFIP58
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Cambria County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The EPA places Cambria County in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, 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 →
Feasibility studies
When a Cambria County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Cambria County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024131,538
- Households55,973
- Average household size2.35
- Median household income$58,418
- Median age45.6
Common questions
Cambria County questions, answered from the record.
How many people live in Cambria County, Pennsylvania?
The Census Bureau estimates 130,108 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 131,538, in 55,973 households, ranking 26th of 67 Pennsylvania counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Cambria County's population growing?
The population has fallen 2.51 percent since the 2020 census base of 133,463, to 130,108 on July 1, 2024. In 2024 there were 1,183 births against 1,938 deaths, with net migration of 156. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Cambria County?
$58,418. The median owner-occupied home is valued at $121,000, which is 2.1 times income, and median gross rent is $739 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Cambria County?
2,996 establishments, employing 43,601 people with an annual payroll of $1.92 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Cambria County?
Health care and social assistance is the largest private sector at 9,974 jobs, 21.0 percent of covered employment. Covered employment averages 47,545 jobs at an average annual pay of $49,791, or $958 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Cambria County?
30 7(a) approvals totaling $17.0 m since FY2020, across 17 lenders, with a median approval of $167,250, plus 7 504 approvals worth $5.3 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Cambria County?
62 housing units were authorized by permit in 2024, with a declared construction value of $20.9 m. Multifamily was 6.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Cambria County?
Zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Cambria County come from?
The largest single origin is Somerset County, with 251 households. Arriving households report an average income of $49,744 against $55,877 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Cambria County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Cambria County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Cambria County
Cities and places in Cambria.
59 Census places lie wholly or partly in Cambria County. All 59 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Johnstown | city | 18,087 | 11 | Wholly in this county |
| Westmont | borough | 4,855 | None recorded | Wholly in this county |
| Elim | CDP | 3,759 | None recorded | Wholly in this county |
| Northern Cambria | borough | 3,494 | 1 | Wholly in this county |
| Ebensburg | borough | 3,321 | 7 | Wholly in this county |
| Belmont | CDP | 2,618 | None recorded | Wholly in this county |
| Nanty-Glo | borough | 2,598 | None recorded | Wholly in this county |
| Geistown | borough | 2,507 | None recorded | Wholly in this county |
| Portage | borough | 2,495 | None recorded | Wholly in this county |
| Southmont | borough | 2,059 | None recorded | Wholly in this county |
| Patton | borough | 1,809 | 2 | Wholly in this county |
| Vinco | CDP | 1,657 | None recorded | Wholly in this county |
| Oakland | CDP | 1,627 | None recorded | Wholly in this county |
| Westwood | CDP | 1,613 | None recorded | Wholly in this county |
| Ferndale | borough | 1,517 | None recorded | Wholly in this county |
| Cresson | borough | 1,475 | 1 | Wholly in this county |
| Gallitzin | borough | 1,435 | 1 | Wholly in this county |
| Loretto | borough | 1,420 | None recorded | Wholly in this county |
| Mundys Corner | CDP | 1,394 | None recorded | Wholly in this county |
| University of Pittsburgh Johnstown | CDP | 1,380 | None recorded | Wholly in this county |
| Dale | borough | 1,281 | None recorded | Wholly in this county |
| Salix | CDP | 1,115 | None recorded | Wholly in this county |
| East Conemaugh | borough | 1,006 | None recorded | Wholly in this county |
| Spring Hill | CDP | 1,006 | None recorded | Wholly in this county |
| Carrolltown | borough | 914 | 2 | Wholly in this county |
| Hastings | borough | 880 | None recorded | Wholly in this county |
| Beaverdale | CDP | 852 | None recorded | Wholly in this county |
| Lilly | borough | 792 | None recorded | Wholly in this county |
| Scalp Level | borough | 791 | None recorded | Wholly in this county |
| South Fork | borough | 749 | None recorded | Wholly in this county |
| Sankertown | borough | 682 | None recorded | Wholly in this county |
| Brownstown | borough | 674 | None recorded | Wholly in this county |
| Lorain | borough | 594 | None recorded | Wholly in this county |
| Colver | CDP | 559 | None recorded | Wholly in this county |
| Summerhill | borough | 523 | 5 | Wholly in this county |
| St. Benedict | CDP | 476 | None recorded | Wholly in this county |
| Elmora | CDP | 435 | None recorded | Wholly in this county |
| St. Michael | CDP | 431 | None recorded | Wholly in this county |
| Dunlo | CDP | 413 | None recorded | Wholly in this county |
| Wilmore | borough | 394 | None recorded | Wholly in this county |
| Blandburg | CDP | 393 | None recorded | Wholly in this county |
| Revloc | CDP | 391 | None recorded | Wholly in this county |
| Vintondale | borough | 390 | None recorded | Wholly in this county |
| Parkhill | CDP | 346 | None recorded | Wholly in this county |
| Sidman | CDP | 305 | None recorded | Wholly in this county |
| Tunnelhill | borough | 278 | None recorded | 46.1 percent here, 53.9 percent Blair County |
| Daisytown | borough | 277 | None recorded | Wholly in this county |
| Riverside | CDP | 267 | None recorded | Wholly in this county |
| Franklin | borough | 265 | None recorded | Wholly in this county |
| Emeigh | CDP | 261 | None recorded | Wholly in this county |
| Belsano | CDP | 257 | None recorded | Wholly in this county |
| Twin Rocks | CDP | 238 | None recorded | Wholly in this county |
| Jamestown | CDP | 233 | None recorded | Wholly in this county |
| Flinton | CDP | 169 | None recorded | Wholly in this county |
| Ehrenfeld | borough | 165 | None recorded | Wholly in this county |
| Ashville | borough | 161 | None recorded | Wholly in this county |
| Nicktown | CDP | 143 | None recorded | Wholly in this county |
| Cassandra | borough | 101 | None recorded | Wholly in this county |
| Chest Springs | borough | 99 | None recorded | Wholly in this county |