HomePennsylvaniaChester CountyWest Chester
West Chester, Pennsylvania: commercial real estate data.
West Chester 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 since FY2020.
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$262,500
- Ninetieth percentile approval$1,880,000
- Largest approval$5,000,000
- Jobs supported1,598
- Jobs per approval11.6
- Loans with a final outcome23
- Paid in full20
- Charged off3
- 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
Counted by borrower city: approvals to borrowers whose address is in West Chester, in any county, FY2020 to FY2026. Only 23 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.
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
- Median term240 months
- Distinct CDCs4
Counted by borrower city: approvals to borrowers whose address is in West Chester, in any county, FY2010 to FY2026. Only 12 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.
West Chester
Flood risk in West Chester
- NFIP communityBorough of West Chester
- NFIP community number420292
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/29/17
The Borough of West Chester participates in the National Flood Insurance Program as community 420292 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Chester County, not West Chester
Chester County context, not West Chester figures
- Establishments in Chester County15,102
- Covered employment, Chester County251,284
- Average annual pay, Chester County$87,886
- Housing units permitted, Chester County1,529
Every figure in this section is published for Chester County as a whole and is not a measurement of West Chester.
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
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 totaling $90.7 m since FY2020, across 52 lenders, median approval $262,500, plus 35 504 approvals worth $30.5 m since FY2010. 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?
No rate is published for West Chester. Only 23 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 West Chester in the National Flood Insurance Program?
Yes. West Chester appears in the FEMA Community Status Book as West Chester, borough of, 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 labeled 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?
No. Nothing on this page presents parcel level zoning.