HomePennsylvaniaElk CountySt. Marys city
St. Marys city, Pennsylvania: commercial real estate data.
St. Marys city is a Census city of 12,529 people across 99.32 square miles of land, in Elk County. Median household income is $67,167, 77.6 percent of occupied homes are owned, and the SBA record carries 7 7(a) approvals to borrowers here worth $2.7 m.
80 sourced place values · tier FULL · 9 sections
St. Marys
What St. Marys is
- Census place typecity
- Land area99.32 sq mi
- Water area0.19 sq mi
- Population per square mile of land126
- County holding the largest share of its areaElk 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.
St. Marys
How many people live in St. Marys
- Population12,529
- Median age51.6
- Population under 182,070
- Share under 1816.5 percent
- Population 65 and over3,353
- Share 65 and over26.8 percent
- Households5,692
- Family households3,461
- Share of households that are families60.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Marys
Income and work in St. Marys
- Median household income$67,167
- Per capita income$37,323
- Civilian labor force6,665
- Employed6,155
- Unemployed510 plus or minus 233
- Unemployment rate7.7 percent plus or minus 3.5
- Adults 25 and over9,603
- Adults 25 and over with a high school diploma or higher95.2 percent
- Adults 25 and over with a bachelor degree or higher21.4 percent
- Adults 25 and over with a graduate degree7.5 percent plus or minus 2.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Marys
Housing in St. Marys
- Housing units6,300
- Occupied units5,692
- Vacant units608 plus or minus 213
- Vacancy rate9.7 percent plus or minus 3.4
- Owner occupied4,418
- Renter occupied1,274
- Ownership rate77.6 percent
- Median owner-occupied home value$149,000
- Median gross rent, monthly$762
- Annual rent as a share of median income13.6 percent
- Single family units5,210
- Share single family82.7 percent
- Units in buildings of two or more886 plus or minus 265
- Share in buildings of two or more14.1 percent plus or minus 4.2
- Mobile homes204 plus or minus 119
- Median year structure built1961
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Marys
How St. Marys gets to work
- Workers 16 and over who commute5,948
- Commuting under 15 minutes3,921
- Share commuting under 15 minutes65.9 percent
- Commuting 30 minutes or more664 plus or minus 186
- Share commuting 30 minutes or more11.2 percent plus or minus 3.1
- Drove alone84.5 percent
- Carpooled10.2 percent plus or minus 3.3
- Public transport0.3 percent plus or minus 0.5
- Walked1.2 percent plus or minus 0.7
- Worked from home1.8 percent plus or minus 1.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Marys
SBA 7(a) lending to St. Marys borrowers
- Approvals7
- Gross approval$2,662,700
- Average approval$380,386
- Median approval$125,000
- Ninetieth percentile approval$1,565,000
- Largest approval$1,565,000
- Jobs supported82
- Jobs per approval11.7
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more14.3 percent
- Share to franchises0.0 percent
- Distinct lenders5
- Distinct industries by NAICS5
A charge-off rate is not published here. only 0 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.
St. Marys
SBA 504 lending to St. Marys borrowers
- Approvals2
- Gross approval$3,887,000
- Average approval$1,943,500
- Median approval$2,619,000
- Largest approval$2,619,000
- Jobs supported13
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
St. Marys
Flood programme status in St. Marys
- Listed NFIP communities1
- Of those, participating1
- NFIP community number420446
- Currently effective map date01/18/12
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.
Elk County, not St. Marys
Elk County context, not St. Marys figures
These are Elk County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as St. Marys measurements.
- Establishments in Elk County898
- Employment at those establishments, Elk County12,841
- Covered employment, Elk County13,348
- Average annual pay, Elk County$52,545
- Average weekly wage, Elk County$1,010
- Housing units permitted, Elk County48
- Of those, single family, Elk County44
- County product, 2024, Elk County$1,830,032,000
- County product change over the prior year, Elk County2.4 percent
- Average income of an arriving household, Elk County$68,747
Every figure in this section is published for Elk County as a whole and is not a measurement of St. Marys. 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
St. Marys questions, answered from the record.
How many people live in St. Marys, Pennsylvania?
12,529, in 5,692 households. St. Marys city covers 99.32 square miles of land, which is 126 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is St. Marys in?
Elk 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 St. Marys?
$67,167. The median owner-occupied home is valued at $149,000. Median gross rent is $762 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to St. Marys businesses?
7 7(a) approvals totalling $2.7 m, across 5 lenders, median approval $125,000, plus 2 504 approvals worth $3.9 m. These count approvals to borrowers whose address is in St. Marys, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to St. Marys borrowers get paid back?
No rate is published for St. Marys. only 0 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 St. Marys in the National Flood Insurance Program?
Yes. St. Marys appears in the FEMA Community Status Book as community 420446, 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 St. Marys figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Elk 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 St. Marys.
Is zoning published for St. Marys?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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