HomePennsylvaniaCumberland CountyShippensburg borough
Shippensburg borough, Pennsylvania: commercial real estate data.
Shippensburg borough is a Census borough of 5,620 people across 2.03 square miles of land, lying across Cumberland County and Franklin County. Median household income is $51,503, 44.2 percent of occupied homes are owned, and the SBA record carries 10 7(a) approvals to borrowers here worth $4.6 m.
81 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Shippensburg
What Shippensburg is
- Census place typeborough
- Land area2.03 sq mi
- Water area0 sq mi
- Population per square mile of land2,771
- County holding the largest share of its areaCumberland County, 65.0 percent
- Counties this place lies inCumberland County 65.0 percent, Franklin County 35.0 percent
Shippensburg borough crosses a county line. The split above is measured from the Census boundary of the place against the county boundaries, by area, so it says where the ground is and not where the town hall is.
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Shippensburg
How many people live in Shippensburg
- Population5,620
- Median age34.9
- Population under 181,160 plus or minus 313
- Share under 1820.6 percent plus or minus 5.3
- Population 65 and over1,201 plus or minus 393
- Share 65 and over21.4 percent plus or minus 6.8
- Households2,791
- Family households1,050
- Share of households that are families37.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Shippensburg
Income and work in Shippensburg
- Median household income$51,503 plus or minus $12,305
- Per capita income$34,589
- Civilian labor force2,859
- Employed2,747
- Unemployed112 plus or minus 78
- Unemployment rate3.9 percent plus or minus 2.7
- Adults 25 and over3,982
- Adults 25 and over with a high school diploma or higher90.7 percent
- Adults 25 and over with a bachelor degree or higher35.0 percent plus or minus 10.4
- Adults 25 and over with a graduate degree18.1 percent plus or minus 6.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Shippensburg
Housing in Shippensburg
- Housing units2,936
- Occupied units2,791
- Vacant units145 plus or minus 119
- Vacancy rate4.9 percent plus or minus 4.0
- Owner occupied1,234 plus or minus 384
- Renter occupied1,557
- Ownership rate44.2 percent plus or minus 12.5
- Median owner-occupied home value$177,700 plus or minus $46,703
- Median gross rent, monthly$891
- Annual rent as a share of median income20.8 percent plus or minus 5.8
- Single family units1,556 plus or minus 357
- Share single family53.0 percent
- Units in buildings of two or more1,380 plus or minus 440
- Share in buildings of two or more47.0 percent plus or minus 13.9
- Mobile homes0
- Median year structure built1953
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Shippensburg
How Shippensburg gets to work
- Workers 16 and over who commute2,412
- Commuting under 15 minutes858 plus or minus 352
- Share commuting under 15 minutes35.6 percent plus or minus 13.3
- Commuting 30 minutes or more453 plus or minus 203
- Share commuting 30 minutes or more18.8 percent plus or minus 7.8
- Drove alone58.8 percent plus or minus 14.2
- Carpooled13.1 percent plus or minus 6.6
- Public transport0.0 percent
- Walked14.4 percent plus or minus 9.5
- Worked from home10.3 percent plus or minus 5.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Shippensburg
SBA loans in Shippensburg (7(a))
- Approvals10
- Gross approval$4,563,600
- Average approval$456,360
- Median approval$127,700
- Ninetieth percentile approval$2,618,000
- Largest approval$2,618,000
- Jobs supported51
- Jobs per approval5.1
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more10.0 percent
- Share to franchises0.0 percent
- Distinct lenders5
- Distinct industries by NAICS10
A charge-off rate is not published here. only 2 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.
Shippensburg
SBA loans in Shippensburg (504)
- Approvals1
- Gross approval$2,036,000
- Average approval$2,036,000
- Median approval$2,036,000
- Largest approval$2,036,000
- Jobs supported15
- Loans with a final outcome0
- Charged off0
- Median term240 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Shippensburg
Flood risk in Shippensburg
- Listed NFIP communities2
- Of those, participating2
- NFIP community number420368
- 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 Shippensburg
Cumberland County context, not Shippensburg 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 Shippensburg 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 Shippensburg. 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
Shippensburg questions, answered from the record.
How many people live in Shippensburg, Pennsylvania?
5,620, in 2,791 households. Shippensburg borough covers 2.03 square miles of land, which is 2,771 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Shippensburg in?
Shippensburg lies in more than one. By area it is 65.0 percent in Cumberland County, 35.0 percent in Franklin County. This page sits under Cumberland County because that county holds the largest share. The split is measured from the Census boundary of the place against the county boundaries.
What is the median household income in Shippensburg?
$51,503. The median owner-occupied home is valued at $177,700. Median gross rent is $891 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Shippensburg businesses?
10 7(a) approvals totalling $4.6 m, across 5 lenders, median approval $127,700, plus 1 504 approvals worth $2.0 m. These count approvals to borrowers whose address is in Shippensburg, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Shippensburg borrowers get paid back?
No rate is published for Shippensburg. only 2 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 Shippensburg in the National Flood Insurance Program?
Yes. Shippensburg appears in the FEMA Community Status Book as community 420368, 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 Shippensburg 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 Shippensburg.
Is zoning published for Shippensburg?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.