HomeSouth CarolinaKershaw CountyElgin
Elgin, South Carolina: commercial real estate data.
Elgin is a Census town of 2,080 people across 1.08 square miles of land, in Kershaw County. Median household income is $91,667, 93.3 percent of occupied homes are owned, and the SBA record carries 15 7(a) approvals to borrowers here worth $5.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Elgin
What Elgin is
- Census place typetown
- Land area1.08 sq mi
- Water area0 sq mi
- Population per square mile of land1,922 plus or minus 431
- County holding the largest share of its areaKershaw 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.
Elgin
How many people live in Elgin
- Population2,080 plus or minus 466
- Median age35.6
- Population under 18608 plus or minus 169
- Share under 1829.2 percent
- Population 65 and over238 plus or minus 61
- Share 65 and over11.4 percent
- Households716
- Family households535
- Share of households that are families74.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elgin
Income and work in Elgin
- Median household income$91,667 plus or minus $23,199
- Per capita income$35,246
- Civilian labor force1,177 plus or minus 280
- Employed1,091 plus or minus 266
- Unemployed86 plus or minus 69
- Unemployment rate7.3 percent plus or minus 5.6
- Adults 25 and over1,359
- Adults 25 and over with a high school diploma or higher93.2 percent plus or minus 23.0
- Adults 25 and over with a bachelor degree or higher27.1 percent plus or minus 5.6
- Adults 25 and over with a graduate degree11.6 percent plus or minus 4.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elgin
Housing in Elgin
- Housing units732
- Occupied units716
- Vacant units16 plus or minus 28
- Vacancy rate2.2 percent plus or minus 3.8
- Owner occupied668
- Renter occupied48 plus or minus 31
- Ownership rate93.3 percent plus or minus 24.7
- Median owner-occupied home value$217,400
- Median gross rent, monthly$1,278 plus or minus $363
- Annual rent as a share of median income16.7 percent plus or minus 6.4
- Single family units721
- Share single family98.5 percent
- Units in buildings of two or more4 plus or minus 15
- Share in buildings of two or more0.5 percent plus or minus 2.0
- Mobile homes7 plus or minus 12
- Median year structure built1997
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elgin
How Elgin gets to work
- Workers 16 and over who commute959 plus or minus 243
- Commuting under 15 minutes173 plus or minus 78
- Share commuting under 15 minutes18.0 percent plus or minus 6.7
- Commuting 30 minutes or more482 plus or minus 136
- Share commuting 30 minutes or more50.3 percent
- Drove alone77.0 percent
- Carpooled8.5 percent plus or minus 4.9
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home13.4 percent plus or minus 7.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elgin
SBA loans in Elgin (7(a))
- Approvals15
- Gross approval$5,048,900
- Average approval$336,593
- Median approval$124,200
- Largest approval$2,630,000
- Jobs supported147
- Jobs per approval9.8
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises40.0 percent
- Distinct lenders8
- Distinct industries by NAICS8
Counted by borrower city: approvals to borrowers whose address is in Elgin, in any county, FY2020 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, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Elgin
SBA loans in Elgin (504)
- Approvals1
- Gross approval$299,000
- Average approval$299,000
- Median approval$299,000
- Largest approval$299,000
- Jobs supported10
- Loans with a final outcome0
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Elgin, 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.
Elgin
Flood risk in Elgin
- NFIP communityTown of Elgin
- NFIP community number450118
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date(NSFHA)
The Town of Elgin participates in the National Flood Insurance Program as community 450118 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.
Kershaw County, not Elgin
Kershaw County context, not Elgin figures
- Establishments in Kershaw County1,208
- Covered employment, Kershaw County18,335
- Average annual pay, Kershaw County$49,084
- Housing units permitted, Kershaw County474
Every figure in this section is published for Kershaw County as a whole and is not a measurement of Elgin.
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
Elgin questions, answered from the record.
How many people live in Elgin, South Carolina?
2,080, in 716 households. Elgin town covers 1.08 square miles of land, which is 1,922 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Elgin in?
Kershaw 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 Elgin?
$91,667. The median owner-occupied home is valued at $217,400. Median gross rent is $1,278 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Elgin businesses?
15 7(a) approvals totaling $5.0 m since FY2020, across 8 lenders, median approval $124,200, plus 1 504 approvals worth $299,000 since FY2010. These count approvals to borrowers whose address is in Elgin, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Elgin borrowers get paid back?
No rate is published for Elgin. Only 2 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 Elgin in the National Flood Insurance Program?
Yes. Elgin appears in the FEMA Community Status Book as Elgin, town of, community 450118, 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 Elgin figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Kershaw 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 Elgin.
Is zoning published for Elgin?
No. Nothing on this page presents parcel level zoning.
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