HomePennsylvaniaFranklin CountyMercersburg
Mercersburg, Pennsylvania: commercial real estate data.
Mercersburg is a Census borough of 1,725 people across 0.90 square miles of land, in Franklin County. Median household income is $66,114, 58.2 percent of occupied homes are owned, and the SBA record carries 5 7(a) approvals to borrowers here worth $994,100 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Mercersburg
What Mercersburg is
- Census place typeborough
- Land area0.9 sq mi
- Water area0 sq mi
- Population per square mile of land1,913
- County holding the largest share of its areaFranklin 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.
Mercersburg
How many people live in Mercersburg
- Population1,725
- Median age45.5
- Population under 18321 plus or minus 82
- Share under 1818.6 percent
- Population 65 and over350 plus or minus 78
- Share 65 and over20.3 percent
- Households783
- Family households428
- Share of households that are families54.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Mercersburg
Income and work in Mercersburg
- Median household income$66,114
- Per capita income$39,173
- Civilian labor force957 plus or minus 208
- Employed911 plus or minus 189
- Unemployed46 plus or minus 40
- Unemployment rate4.8 percent plus or minus 4.0
- Adults 25 and over1,226
- Adults 25 and over with a high school diploma or higher91.4 percent plus or minus 24.2
- Adults 25 and over with a bachelor degree or higher22.3 percent
- Adults 25 and over with a graduate degree10.7 percent plus or minus 3.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Mercersburg
Housing in Mercersburg
- Housing units859
- Occupied units783
- Vacant units76 plus or minus 46
- Vacancy rate8.8 percent plus or minus 5.1
- Owner occupied456
- Renter occupied327 plus or minus 105
- Ownership rate58.2 percent
- Median owner-occupied home value$210,700
- Median gross rent, monthly$804
- Annual rent as a share of median income14.6 percent plus or minus 2.9
- Single family units613
- Share single family71.4 percent
- Units in buildings of two or more227 plus or minus 83
- Share in buildings of two or more26.4 percent plus or minus 8.5
- Mobile homes19 plus or minus 20
- Median year structure built1942
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Mercersburg
How Mercersburg gets to work
- Workers 16 and over who commute842 plus or minus 186
- Commuting under 15 minutes284 plus or minus 96
- Share commuting under 15 minutes33.7 percent plus or minus 8.6
- Commuting 30 minutes or more382 plus or minus 119
- Share commuting 30 minutes or more45.4 percent plus or minus 9.9
- Drove alone82.0 percent
- Carpooled7.5 percent plus or minus 4.8
- Public transport0.0 percent
- Walked4.0 percent plus or minus 1.8
- Worked from home6.0 percent plus or minus 2.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Mercersburg
SBA loans in Mercersburg (7(a))
- Approvals5
- Gross approval$994,100
- Average approval$198,820
- Median approval$100,000
- Largest approval$719,100
- Jobs supported16
- Jobs per approval3.2
- Loans with a final outcome3
- Paid in full2
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders2
- Distinct industries by NAICS4
Counted by borrower city: approvals to borrowers whose address is in Mercersburg, in any county, FY2020 to FY2026. Only 3 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.
Mercersburg
SBA loans in Mercersburg (504)
- Approvals1
- Gross approval$1,325,000
- Average approval$1,325,000
- Median approval$1,325,000
- Largest approval$1,325,000
- Jobs supported27
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Mercersburg, 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.
Mercersburg
Flood risk in Mercersburg
- NFIP communityBorough of Mercersburg
- NFIP community number420471
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date01/18/12
The Borough of Mercersburg participates in the National Flood Insurance Program as community 420471 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.
Franklin County, not Mercersburg
Franklin County context, not Mercersburg figures
- Establishments in Franklin County3,111
- Covered employment, Franklin County60,414
- Average annual pay, Franklin County$55,554
- Housing units permitted, Franklin County623
Every figure in this section is published for Franklin County as a whole and is not a measurement of Mercersburg.
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
Mercersburg questions, answered from the record.
How many people live in Mercersburg, Pennsylvania?
1,725, in 783 households. Mercersburg borough covers 0.90 square miles of land, which is 1,913 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Mercersburg in?
Franklin 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 Mercersburg?
$66,114. The median owner-occupied home is valued at $210,700. Median gross rent is $804 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Mercersburg businesses?
5 7(a) approvals totaling $994,100 since FY2020, across 2 lenders, median approval $100,000, plus 1 504 approvals worth $1.3 m since FY2010. These count approvals to borrowers whose address is in Mercersburg, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Mercersburg borrowers get paid back?
No rate is published for Mercersburg. Only 3 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 Mercersburg in the National Flood Insurance Program?
Yes. Mercersburg appears in the FEMA Community Status Book as Mercersburg, borough of, community 420471, 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 Mercersburg figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Franklin 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 Mercersburg.
Is zoning published for Mercersburg?
No. Nothing on this page presents parcel level zoning.