HomePennsylvaniaLancaster CountyEphrata
Ephrata, Pennsylvania: commercial real estate data.
Ephrata is a Census borough of 13,772 people across 3.42 square miles of land, in Lancaster County. Median household income is $69,735, 55.6 percent of occupied homes are owned, and the SBA record carries 22 7(a) approvals to borrowers here worth $11.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Ephrata
What Ephrata is
- Census place typeborough
- Land area3.42 sq mi
- Water area0.04 sq mi
- Population per square mile of land4,029
- County holding the largest share of its areaLancaster 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.
Ephrata
How many people live in Ephrata
- Population13,772
- Median age37.1
- Population under 183,078
- Share under 1822.3 percent
- Population 65 and over2,478
- Share 65 and over18.0 percent
- Households6,048
- Family households3,437
- Share of households that are families56.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ephrata
Income and work in Ephrata
- Median household income$69,735
- Per capita income$37,465
- Civilian labor force7,964
- Employed7,776
- Unemployed188 plus or minus 88
- Unemployment rate2.4 percent plus or minus 1.1
- Adults 25 and over9,770
- Adults 25 and over with a high school diploma or higher89.7 percent
- Adults 25 and over with a bachelor degree or higher23.2 percent
- Adults 25 and over with a graduate degree7.9 percent plus or minus 2.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ephrata
Housing in Ephrata
- Housing units6,095
- Occupied units6,048
- Vacant units47 plus or minus 53
- Vacancy rate0.8 percent plus or minus 0.9
- Owner occupied3,363
- Renter occupied2,685
- Ownership rate55.6 percent
- Median owner-occupied home value$224,400
- Median gross rent, monthly$1,143
- Annual rent as a share of median income19.7 percent
- Single family units3,965
- Share single family65.1 percent
- Units in buildings of two or more2,005
- Share in buildings of two or more32.9 percent
- Mobile homes125 plus or minus 76
- Median year structure built1971
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ephrata
How Ephrata gets to work
- Workers 16 and over who commute7,228
- Commuting under 15 minutes2,201
- Share commuting under 15 minutes30.5 percent
- Commuting 30 minutes or more1,995
- Share commuting 30 minutes or more27.6 percent
- Drove alone81.6 percent
- Carpooled9.1 percent plus or minus 3.2
- Public transport0.2 percent plus or minus 0.2
- Walked3.1 percent plus or minus 1.5
- Worked from home5.5 percent plus or minus 2.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ephrata
SBA loans in Ephrata (7(a))
- Approvals22
- Gross approval$11,071,500
- Average approval$503,250
- Median approval$322,000
- Ninetieth percentile approval$931,200
- Largest approval$3,830,800
- Jobs supported251
- Jobs per approval11.4
- Loans with a final outcome6
- Paid in full6
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more9.1 percent
- Share to franchises13.6 percent
- Distinct lenders14
- Distinct industries by NAICS16
Counted by borrower city: approvals to borrowers whose address is in Ephrata, in any county, FY2020 to FY2026. Only 6 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.
Ephrata
SBA loans in Ephrata (504)
- Approvals6
- Gross approval$5,134,000
- Average approval$855,667
- Median approval$462,500
- Largest approval$2,944,000
- Jobs supported41
- Loans with a final outcome2
- Charged off0
- Median term270 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Ephrata, in any county, FY2010 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, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Ephrata
Flood risk in Ephrata
- NFIP communityBorough of Ephrata
- NFIP community number420551
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date04/05/16
The Borough of Ephrata participates in the National Flood Insurance Program as community 420551 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.
Lancaster County, not Ephrata
Lancaster County context, not Ephrata figures
- Establishments in Lancaster County13,776
- Covered employment, Lancaster County252,045
- Average annual pay, Lancaster County$59,966
- Housing units permitted, Lancaster County1,184
Every figure in this section is published for Lancaster County as a whole and is not a measurement of Ephrata.
All Lancaster 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
Ephrata questions, answered from the record.
How many people live in Ephrata, Pennsylvania?
13,772, in 6,048 households. Ephrata borough covers 3.42 square miles of land, which is 4,029 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Ephrata in?
Lancaster 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 Ephrata?
$69,735. The median owner-occupied home is valued at $224,400. Median gross rent is $1,143 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Ephrata businesses?
22 7(a) approvals totaling $11.1 m since FY2020, across 14 lenders, median approval $322,000, plus 6 504 approvals worth $5.1 m since FY2010. These count approvals to borrowers whose address is in Ephrata, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Ephrata borrowers get paid back?
No rate is published for Ephrata. Only 6 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 Ephrata in the National Flood Insurance Program?
Yes. Ephrata appears in the FEMA Community Status Book as Ephrata, borough of, community 420551, 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 Ephrata figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Lancaster 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 Ephrata.
Is zoning published for Ephrata?
No. Nothing on this page presents parcel level zoning.