HomePennsylvaniaCumberland CountyShippensburg
Shippensburg, Pennsylvania: commercial real estate data.
Shippensburg 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 since FY2020.
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 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$98,850
- 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
Counted by borrower city: approvals to borrowers whose address is in Shippensburg, in any county, FY2020 to FY2026. Only 2 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.
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
Counted by borrower city: approvals to borrowers whose address is in Shippensburg, in any county, FY2010 to FY2026. Only 0 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.
Shippensburg
Flood risk in Shippensburg
- NFIP communityBorough of Shippensburg
- NFIP community number420368
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/07/23
The Borough of Shippensburg participates in the National Flood Insurance Program as community 420368 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.
Cumberland County, not Shippensburg
Cumberland County context, not Shippensburg figures
- Establishments in Cumberland County6,534
- Covered employment, Cumberland County137,668
- Average annual pay, Cumberland County$65,149
- Housing units permitted, Cumberland County1,037
Every figure in this section is published for Cumberland County as a whole and is not a measurement of Shippensburg.
All Cumberland County figures →
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
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 totaling $4.6 m since FY2020, across 5 lenders, median approval $98,850, plus 1 504 approvals worth $2.0 m since FY2010. 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 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 Shippensburg in the National Flood Insurance Program?
Yes. Shippensburg appears in the FEMA Community Status Book as Shippensburg, borough of, 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 labeled 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?
No. Nothing on this page presents parcel level zoning.