HomePennsylvaniaChester CountyWest Chester borough
West Chester borough, Pennsylvania: commercial real estate data.
West Chester borough is a Census borough of 20,666 people across 1.85 square miles of land, in Chester County. Median household income is $78,385, 35.4 percent of occupied homes are owned, and the SBA record carries 138 7(a) approvals to borrowers here worth $90.7 m.
82 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
West Chester
What West Chester is
- Census place typeborough
- Land area1.85 sq mi
- Water area0 sq mi
- Population per square mile of land11,194
- County holding the largest share of its areaChester 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.
West Chester
How many people live in West Chester
- Population20,666
- Median age25.3
- Population under 181,867
- Share under 189.0 percent
- Population 65 and over2,377
- Share 65 and over11.5 percent
- Households7,774
- Family households2,671
- Share of households that are families34.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
West Chester
Income and work in West Chester
- Median household income$78,385
- Per capita income$44,502
- Civilian labor force12,942
- Employed12,031
- Unemployed911 plus or minus 318
- Unemployment rate7.0 percent plus or minus 2.4
- Adults 25 and over10,484
- Adults 25 and over with a high school diploma or higher95.5 percent
- Adults 25 and over with a bachelor degree or higher59.1 percent
- Adults 25 and over with a graduate degree22.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
West Chester
Housing in West Chester
- Housing units8,087
- Occupied units7,774
- Vacant units313 plus or minus 130
- Vacancy rate3.9 percent plus or minus 1.6
- Owner occupied2,753
- Renter occupied5,021
- Ownership rate35.4 percent
- Median owner-occupied home value$490,700
- Median gross rent, monthly$1,731
- Annual rent as a share of median income26.5 percent
- Single family units3,946
- Share single family48.8 percent
- Units in buildings of two or more4,128
- Share in buildings of two or more51.0 percent
- Mobile homes13 plus or minus 21
- Median year structure built1954
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
West Chester
How West Chester gets to work
- Workers 16 and over who commute9,420
- Commuting under 15 minutes3,196
- Share commuting under 15 minutes33.9 percent
- Commuting 30 minutes or more2,623
- Share commuting 30 minutes or more27.8 percent
- Drove alone59.9 percent
- Carpooled6.3 percent plus or minus 1.9
- Public transport1.6 percent plus or minus 0.7
- Walked13.9 percent plus or minus 3.4
- Worked from home17.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
West Chester
SBA loans in West Chester (7(a))
- Approvals138
- Gross approval$90,729,700
- Average approval$657,462
- Median approval$275,000
- Ninetieth percentile approval$1,950,000
- Largest approval$5,000,000
- Jobs supported1,598
- Jobs per approval11.6
- Loans with a final outcome23
- Paid in full20
- Charged off3
- Charge-off rate over resolved loans13.0 percent
- Median term120 months
- Share on real estate terms of 20 years or more10.1 percent
- Share to franchises11.6 percent
- Distinct lenders52
- Distinct industries by NAICS69
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
West Chester
SBA loans in West Chester (504)
- Approvals35
- Gross approval$30,498,000
- Average approval$871,371
- Median approval$518,000
- Largest approval$3,928,000
- Jobs supported423
- Loans with a final outcome12
- Charged off4
- Charge-off rate over resolved loans33.3 percent
- Median term240 months
- Distinct CDCs4
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
West Chester
Flood risk in West Chester
- Listed NFIP communities1
- Of those, participating1
- NFIP community number420292
- Currently effective map date09/29/17
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.
Chester County, not West Chester
Chester County context, not West Chester figures
These are Chester County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as West Chester measurements.
- Establishments in Chester County15,102
- Employment at those establishments, Chester County262,454
- Covered employment, Chester County251,284
- Average annual pay, Chester County$87,886
- Average weekly wage, Chester County$1,690
- Housing units permitted, Chester County1,529
- Of those, single family, Chester County1,187
- County product, 2024, Chester County$60,160,228,000
- County product change over the prior year, Chester County5.0 percent
- Average income of an arriving household, Chester County$121,506
Every figure in this section is published for Chester County as a whole and is not a measurement of West Chester. 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
West Chester questions, answered from the record.
How many people live in West Chester, Pennsylvania?
20,666, in 7,774 households. West Chester borough covers 1.85 square miles of land, which is 11,194 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is West Chester in?
Chester 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 West Chester?
$78,385. The median owner-occupied home is valued at $490,700. Median gross rent is $1,731 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to West Chester businesses?
138 7(a) approvals totalling $90.7 m, across 52 lenders, median approval $275,000, plus 35 504 approvals worth $30.5 m. These count approvals to borrowers whose address is in West Chester, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to West Chester borrowers get paid back?
Of the 23 loans that have reached a final outcome, 20 were paid in full and 3 charged off, a charge off rate of 13.0 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is West Chester in the National Flood Insurance Program?
Yes. West Chester appears in the FEMA Community Status Book as community 420292, 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 West Chester figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Chester 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 West Chester.
Is zoning published for West Chester?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.