HomePennsylvaniaCumberland CountyCarlisle borough
Carlisle borough, Pennsylvania: commercial real estate data.
Carlisle borough is a Census borough of 21,852 people across 5.53 square miles of land, in Cumberland County. Median household income is $61,720, 48.7 percent of occupied homes are owned, and the SBA record carries 54 7(a) approvals to borrowers here worth $27.5 m.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Carlisle
What Carlisle is
- Census place typeborough
- Land area5.53 sq mi
- Water area0.01 sq mi
- Population per square mile of land3,950
- County holding the largest share of its areaCumberland 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.
Carlisle
How many people live in Carlisle
- Population21,852
- Median age35.8
- Population under 183,321
- Share under 1815.2 percent
- Population 65 and over4,086
- Share 65 and over18.7 percent
- Households9,223
- Family households4,278
- Share of households that are families46.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Carlisle
Income and work in Carlisle
- Median household income$61,720
- Per capita income$39,339
- Civilian labor force12,579
- Employed12,024
- Unemployed555 plus or minus 216
- Unemployment rate4.4 percent plus or minus 1.7
- Adults 25 and over14,002
- Adults 25 and over with a high school diploma or higher93.6 percent
- Adults 25 and over with a bachelor degree or higher37.9 percent
- Adults 25 and over with a graduate degree16.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Carlisle
Housing in Carlisle
- Housing units9,819
- Occupied units9,223
- Vacant units596 plus or minus 225
- Vacancy rate6.1 percent plus or minus 2.3
- Owner occupied4,491
- Renter occupied4,732
- Ownership rate48.7 percent
- Median owner-occupied home value$224,100
- Median gross rent, monthly$1,094
- Annual rent as a share of median income21.3 percent
- Single family units6,124
- Share single family62.4 percent
- Units in buildings of two or more3,632
- Share in buildings of two or more37.0 percent
- Mobile homes38 plus or minus 58
- Median year structure built1953
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Carlisle
How Carlisle gets to work
- Workers 16 and over who commute10,159
- Commuting under 15 minutes5,364
- Share commuting under 15 minutes52.8 percent
- Commuting 30 minutes or more2,283
- Share commuting 30 minutes or more22.5 percent
- Drove alone68.0 percent
- Carpooled4.4 percent plus or minus 1.6
- Public transport0.3 percent plus or minus 0.3
- Walked12.2 percent plus or minus 2.6
- Worked from home9.9 percent plus or minus 2.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Carlisle
SBA loans in Carlisle (7(a))
- Approvals54
- Gross approval$27,510,200
- Average approval$509,448
- Median approval$150,000
- Ninetieth percentile approval$1,730,000
- Largest approval$4,000,000
- Jobs supported603
- Jobs per approval11.2
- Loans with a final outcome4
- Paid in full4
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more14.8 percent
- Share to franchises29.6 percent
- Distinct lenders22
- Distinct industries by NAICS35
A charge-off rate is not published here. only 4 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.
Carlisle
SBA loans in Carlisle (504)
- Approvals13
- Gross approval$13,988,000
- Average approval$1,076,000
- Median approval$867,000
- Largest approval$2,470,000
- Jobs supported232
- Loans with a final outcome3
- Charged off0
- Median term240 months
- Distinct CDCs5
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Carlisle
Flood risk in Carlisle
- Listed NFIP communities1
- Of those, participating1
- NFIP community number425382
- Currently effective map date09/07/23
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.
Cumberland County, not Carlisle
Cumberland County context, not Carlisle figures
These are Cumberland County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Carlisle measurements.
- Establishments in Cumberland County6,534
- Employment at those establishments, Cumberland County131,167
- Covered employment, Cumberland County137,668
- Average annual pay, Cumberland County$65,149
- Average weekly wage, Cumberland County$1,253
- Housing units permitted, Cumberland County1,037
- Of those, single family, Cumberland County729
- County product, 2024, Cumberland County$23,098,142,000
- County product change over the prior year, Cumberland County6.0 percent
- Average income of an arriving household, Cumberland County$66,948
Every figure in this section is published for Cumberland County as a whole and is not a measurement of Carlisle. 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
Carlisle questions, answered from the record.
How many people live in Carlisle, Pennsylvania?
21,852, in 9,223 households. Carlisle borough covers 5.53 square miles of land, which is 3,950 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Carlisle in?
Cumberland 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 Carlisle?
$61,720. The median owner-occupied home is valued at $224,100. Median gross rent is $1,094 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Carlisle businesses?
54 7(a) approvals totalling $27.5 m, across 22 lenders, median approval $150,000, plus 13 504 approvals worth $14.0 m. These count approvals to borrowers whose address is in Carlisle, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Carlisle borrowers get paid back?
No rate is published for Carlisle. only 4 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 Carlisle in the National Flood Insurance Program?
Yes. Carlisle appears in the FEMA Community Status Book as community 425382, 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 Carlisle figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Cumberland 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 Carlisle.
Is zoning published for Carlisle?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.