HomePennsylvaniaCumberland CountyMechanicsburg borough
Mechanicsburg borough, Pennsylvania: commercial real estate data.
Mechanicsburg borough is a Census borough of 9,720 people across 2.41 square miles of land, in Cumberland County. Median household income is $84,421, 69.6 percent of occupied homes are owned, and the SBA record carries 92 7(a) approvals to borrowers here worth $51.8 m.
81 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Mechanicsburg
What Mechanicsburg is
- Census place typeborough
- Land area2.41 sq mi
- Water area0 sq mi
- Population per square mile of land4,032
- 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.
Mechanicsburg
How many people live in Mechanicsburg
- Population9,720
- Median age40.1
- Population under 181,925
- Share under 1819.8 percent
- Population 65 and over1,635
- Share 65 and over16.8 percent
- Households4,472
- Family households2,743
- Share of households that are families61.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Mechanicsburg
Income and work in Mechanicsburg
- Median household income$84,421
- Per capita income$49,304
- Civilian labor force5,962
- Employed5,838
- Unemployed124 plus or minus 103
- Unemployment rate2.1 percent plus or minus 1.7
- Adults 25 and over7,402
- Adults 25 and over with a high school diploma or higher95.5 percent
- Adults 25 and over with a bachelor degree or higher42.9 percent
- Adults 25 and over with a graduate degree12.3 percent plus or minus 3.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Mechanicsburg
Housing in Mechanicsburg
- Housing units4,605
- Occupied units4,472
- Vacant units133 plus or minus 126
- Vacancy rate2.9 percent plus or minus 2.7
- Owner occupied3,112
- Renter occupied1,360 plus or minus 313
- Ownership rate69.6 percent
- Median owner-occupied home value$241,200
- Median gross rent, monthly$1,083
- Annual rent as a share of median income15.4 percent plus or minus 3.1
- Single family units3,173
- Share single family68.9 percent
- Units in buildings of two or more1,419 plus or minus 326
- Share in buildings of two or more30.8 percent plus or minus 6.7
- Mobile homes0
- Median year structure built1959
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Mechanicsburg
How Mechanicsburg gets to work
- Workers 16 and over who commute4,626
- Commuting under 15 minutes1,390 plus or minus 351
- Share commuting under 15 minutes30.0 percent plus or minus 7.2
- Commuting 30 minutes or more1,534 plus or minus 429
- Share commuting 30 minutes or more33.2 percent plus or minus 8.9
- Drove alone73.5 percent
- Carpooled2.5 percent plus or minus 1.7
- Public transport0.4 percent plus or minus 0.7
- Walked2.0 percent plus or minus 2.0
- Worked from home19.4 percent plus or minus 4.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Mechanicsburg
SBA loans in Mechanicsburg (7(a))
- Approvals92
- Gross approval$51,817,200
- Average approval$563,230
- Median approval$150,000
- Ninetieth percentile approval$1,500,000
- Largest approval$5,000,000
- Jobs supported970
- Jobs per approval10.5
- Loans with a final outcome10
- Paid in full9
- Charged off1
- Charge-off rate over resolved loans10.0 percent
- Median term120 months
- Share on real estate terms of 20 years or more12.0 percent
- Share to franchises25.0 percent
- Distinct lenders29
- Distinct industries by NAICS51
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Mechanicsburg
SBA loans in Mechanicsburg (504)
- Approvals13
- Gross approval$16,855,000
- Average approval$1,296,538
- Median approval$899,000
- Largest approval$3,288,000
- Jobs supported233
- Loans with a final outcome1
- Charged off0
- Median term300 months
- Distinct CDCs4
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Mechanicsburg
Flood risk in Mechanicsburg
- Listed NFIP communities1
- Of those, participating1
- NFIP community number420362
- 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 Mechanicsburg
Cumberland County context, not Mechanicsburg 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 Mechanicsburg 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 Mechanicsburg. 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
Mechanicsburg questions, answered from the record.
How many people live in Mechanicsburg, Pennsylvania?
9,720, in 4,472 households. Mechanicsburg borough covers 2.41 square miles of land, which is 4,032 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Mechanicsburg 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 Mechanicsburg?
$84,421. The median owner-occupied home is valued at $241,200. Median gross rent is $1,083 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Mechanicsburg businesses?
92 7(a) approvals totalling $51.8 m, across 29 lenders, median approval $150,000, plus 13 504 approvals worth $16.9 m. These count approvals to borrowers whose address is in Mechanicsburg, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Mechanicsburg borrowers get paid back?
Of the 10 loans that have reached a final outcome, 9 were paid in full and 1 charged off, a charge off rate of 10.0 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Mechanicsburg in the National Flood Insurance Program?
Yes. Mechanicsburg appears in the FEMA Community Status Book as community 420362, 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 Mechanicsburg 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 Mechanicsburg.
Is zoning published for Mechanicsburg?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.