HomePennsylvaniaElk CountySt. Marys
St. Marys, Pennsylvania: commercial real estate data.
St. Marys 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 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
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 loans in St. Marys (7(a))
- Approvals7
- Gross approval$2,662,700
- Average approval$380,386
- Median approval$125,000
- 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
Counted by borrower city: approvals to borrowers whose address is in St. Marys, in any county, FY2020 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, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
St. Marys
SBA loans in St. Marys (504)
- Approvals2
- Gross approval$3,887,000
- Average approval$1,943,500
- Median approval$1,943,500
- Largest approval$2,619,000
- Jobs supported13
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in St. Marys, 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.
St. Marys
Flood risk in St. Marys
- NFIP communityCity of St. Marys
- NFIP community number420446
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date01/18/12
The City of St. Marys participates in the National Flood Insurance Program as community 420446 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.
Elk County, not St. Marys
Elk County context, not St. Marys figures
- Establishments in Elk County898
- Covered employment, Elk County13,348
- Average annual pay, Elk County$52,545
- Housing units permitted, Elk County48
Every figure in this section is published for Elk County as a whole and is not a measurement of St. Marys.
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
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 totaling $2.7 m since FY2020, across 5 lenders, median approval $125,000, plus 2 504 approvals worth $3.9 m since FY2010. 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 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 St. Marys in the National Flood Insurance Program?
Yes. St. Marys appears in the FEMA Community Status Book as St. Marys, city of, 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 labeled 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?
No. Nothing on this page presents parcel level zoning.
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