HomeSouth CarolinaBerkeley CountySt. Stephen
St. Stephen, South Carolina: commercial real estate data.
St. Stephen is a Census town of 1,462 people across 2.68 square miles of land, in Berkeley County. Median household income is $65,370, 59.2 percent of occupied homes are owned, and the SBA record carries 3 7(a) approvals to borrowers here worth $2.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
St. Stephen
What St. Stephen is
- Census place typetown
- Land area2.68 sq mi
- Water area0 sq mi
- Population per square mile of land546 plus or minus 118
- County holding the largest share of its areaBerkeley 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. Stephen
How many people live in St. Stephen
- Population1,462 plus or minus 316
- Median age33.8 plus or minus 8.2
- Population under 18468 plus or minus 143
- Share under 1832.0 percent plus or minus 6.9
- Population 65 and over213 plus or minus 85
- Share 65 and over14.6 percent plus or minus 4.9
- Households426 plus or minus 103
- Family households329 plus or minus 92
- Share of households that are families77.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Stephen
Income and work in St. Stephen
- Median household income$65,370 plus or minus $13,677
- Per capita income$23,356
- Civilian labor force577 plus or minus 167
- Employed542 plus or minus 167
- Unemployed35 plus or minus 32
- Unemployment rate6.1 percent plus or minus 5.3
- Adults 25 and over858 plus or minus 188
- Adults 25 and over with a high school diploma or higher89.9 percent
- Adults 25 and over with a bachelor degree or higher15.5 percent plus or minus 7.2
- Adults 25 and over with a graduate degree4.1 percent plus or minus 3.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Stephen
Housing in St. Stephen
- Housing units565 plus or minus 114
- Occupied units426 plus or minus 103
- Vacant units139 plus or minus 56
- Vacancy rate24.6 percent plus or minus 8.6
- Owner occupied252 plus or minus 89
- Renter occupied174 plus or minus 65
- Ownership rate59.2 percent plus or minus 15.2
- Median owner-occupied home value$100,000 plus or minus $67,180
- Median gross rent, monthly$1,148 plus or minus $436
- Annual rent as a share of median income21.1 percent plus or minus 9.1
- Single family units255 plus or minus 91
- Share single family45.1 percent plus or minus 13.3
- Units in buildings of two or more104 plus or minus 58
- Share in buildings of two or more18.4 percent plus or minus 9.6
- Mobile homes206 plus or minus 59
- Median year structure built1985
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Stephen
How St. Stephen gets to work
- Workers 16 and over who commute505 plus or minus 167
- Commuting under 15 minutes56 plus or minus 45
- Share commuting under 15 minutes11.1 percent plus or minus 8.1
- Commuting 30 minutes or more301 plus or minus 109
- Share commuting 30 minutes or more59.6 percent
- Drove alone82.8 percent plus or minus 36.8
- Carpooled9.2 percent plus or minus 11.3
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home3.3 percent plus or minus 3.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Stephen
SBA loans in St. Stephen (7(a))
- Approvals3
- Gross approval$2,013,500
- Average approval$671,167
- Median approval$420,000
- Largest approval$1,391,000
- Jobs supported35
- Jobs per approval11.7
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term300 months
- Share on real estate terms of 20 years or more66.7 percent
- Share to franchises66.7 percent
- Distinct lenders3
- Distinct industries by NAICS3
Counted by borrower city: approvals to borrowers whose address is in St. Stephen, in any county, FY2020 to FY2026. Only 1 loan has 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. Stephen
Flood risk in St. Stephen
- NFIP communityTown of St. Stephen
- NFIP community number450265
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date(NSFHA)
The Town of St. Stephen participates in the National Flood Insurance Program as community 450265 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.
Berkeley County, not St. Stephen
Berkeley County context, not St. Stephen figures
- Establishments in Berkeley County4,230
- Covered employment, Berkeley County66,943
- Average annual pay, Berkeley County$68,211
- Housing units permitted, Berkeley County3,169
Every figure in this section is published for Berkeley County as a whole and is not a measurement of St. Stephen.
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. Stephen questions, answered from the record.
How many people live in St. Stephen, South Carolina?
1,462, in 426 households. St. Stephen town covers 2.68 square miles of land, which is 546 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is St. Stephen in?
Berkeley 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. Stephen?
$65,370. The median owner-occupied home is valued at $100,000. Median gross rent is $1,148 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. Stephen businesses?
3 7(a) approvals totaling $2.0 m since FY2020, across 3 lenders, median approval $420,000. These count approvals to borrowers whose address is in St. Stephen, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to St. Stephen borrowers get paid back?
No rate is published for St. Stephen. Only 1 loan has 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. Stephen in the National Flood Insurance Program?
Yes. St. Stephen appears in the FEMA Community Status Book as St. Stephen, town of, community 450265, 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. Stephen figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Berkeley 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. Stephen.
Is zoning published for St. Stephen?
No. Nothing on this page presents parcel level zoning.
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