HomePennsylvaniaLancaster CountyMount Joy
Mount Joy, Pennsylvania: commercial real estate data.
Mount Joy is a Census borough of 8,344 people across 2.41 square miles of land, in Lancaster County. Median household income is $90,061, 63.2 percent of occupied homes are owned, and the SBA record carries 14 7(a) approvals to borrowers here worth $4.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Mount Joy
What Mount Joy is
- Census place typeborough
- Land area2.41 sq mi
- Water area0.02 sq mi
- Population per square mile of land3,461
- 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.
Mount Joy
How many people live in Mount Joy
- Population8,344
- Median age39.5
- Population under 181,856 plus or minus 414
- Share under 1822.2 percent plus or minus 5.0
- Population 65 and over1,697
- Share 65 and over20.3 percent
- Households3,532
- Family households2,214
- Share of households that are families62.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Mount Joy
Income and work in Mount Joy
- Median household income$90,061
- Per capita income$46,056
- Civilian labor force4,799
- Employed4,739
- Unemployed60 plus or minus 43
- Unemployment rate1.3 percent plus or minus 0.9
- Adults 25 and over6,032
- Adults 25 and over with a high school diploma or higher94.9 percent
- Adults 25 and over with a bachelor degree or higher33.7 percent
- Adults 25 and over with a graduate degree11.7 percent plus or minus 3.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Mount Joy
Housing in Mount Joy
- Housing units3,668
- Occupied units3,532
- Vacant units136 plus or minus 118
- Vacancy rate3.7 percent plus or minus 3.2
- Owner occupied2,233
- Renter occupied1,299
- Ownership rate63.2 percent
- Median owner-occupied home value$266,500
- Median gross rent, monthly$1,182
- Annual rent as a share of median income15.7 percent
- Single family units2,511
- Share single family68.5 percent
- Units in buildings of two or more987 plus or minus 260
- Share in buildings of two or more26.9 percent plus or minus 6.8
- Mobile homes170 plus or minus 103
- Median year structure built1974
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Mount Joy
How Mount Joy gets to work
- Workers 16 and over who commute4,167
- Commuting under 15 minutes1,198 plus or minus 248
- Share commuting under 15 minutes28.7 percent
- Commuting 30 minutes or more1,531 plus or minus 321
- Share commuting 30 minutes or more36.7 percent
- Drove alone76.4 percent
- Carpooled6.6 percent plus or minus 3.0
- Public transport0.6 percent plus or minus 0.6
- Walked6.5 percent plus or minus 4.1
- Worked from home9.7 percent plus or minus 2.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Mount Joy
SBA loans in Mount Joy (7(a))
- Approvals14
- Gross approval$4,440,300
- Average approval$317,164
- Median approval$68,900
- Largest approval$1,365,000
- Jobs supported111
- Jobs per approval7.9
- 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 franchises14.3 percent
- Distinct lenders9
- Distinct industries by NAICS10
Counted by borrower city: approvals to borrowers whose address is in Mount Joy, 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.
Mount Joy
SBA loans in Mount Joy (504)
- Approvals7
- Gross approval$4,528,000
- Average approval$646,857
- Median approval$541,000
- Largest approval$1,940,000
- Jobs supported66
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Mount Joy, 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.
Mount Joy
Flood risk in Mount Joy
- NFIP communityBorough of Mount Joy
- NFIP community number420561
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date04/05/16
The Borough of Mount Joy participates in the National Flood Insurance Program as community 420561 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 Mount Joy
Lancaster County context, not Mount Joy 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 Mount Joy.
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
Mount Joy questions, answered from the record.
How many people live in Mount Joy, Pennsylvania?
8,344, in 3,532 households. Mount Joy borough covers 2.41 square miles of land, which is 3,461 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Mount Joy 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 Mount Joy?
$90,061. The median owner-occupied home is valued at $266,500. Median gross rent is $1,182 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Mount Joy businesses?
14 7(a) approvals totaling $4.4 m since FY2020, across 9 lenders, median approval $68,900, plus 7 504 approvals worth $4.5 m since FY2010. These count approvals to borrowers whose address is in Mount Joy, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Mount Joy borrowers get paid back?
No rate is published for Mount Joy. 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 Mount Joy in the National Flood Insurance Program?
Yes. Mount Joy appears in the FEMA Community Status Book as Mount Joy, borough of, community 420561, 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 Mount Joy 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 Mount Joy.
Is zoning published for Mount Joy?
No. Nothing on this page presents parcel level zoning.