HomeVirginiaFrederick CountyStephens City town
Stephens City town, Virginia: commercial real estate data.
Stephens City town is a Census town of 2,393 people across 2.43 square miles of land, in Frederick County. Median household income is $102,593, 67.0 percent of occupied homes are owned, and the SBA record carries 7 7(a) approvals to borrowers here worth $3.9 m.
76 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Stephens City
What Stephens City is
- Census place typetown
- Land area2.43 sq mi
- Water area0.03 sq mi
- Population per square mile of land986
- County holding the largest share of its areaFrederick 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.
Stephens City
How many people live in Stephens City
- Population2,393
- Median age35.9
- Population under 18505 plus or minus 122
- Share under 1821.1 percent
- Population 65 and over257 plus or minus 66
- Share 65 and over10.7 percent
- Households930
- Family households578 plus or minus 122
- Share of households that are families62.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stephens City
Income and work in Stephens City
- Median household income$102,593 plus or minus $39,182
- Per capita income$50,389
- Civilian labor force1,493 plus or minus 347
- Employed1,432 plus or minus 348
- Unemployed61 plus or minus 44
- Unemployment rate4.1 percent plus or minus 2.8
- Adults 25 and over1,761
- Adults 25 and over with a high school diploma or higher87.3 percent plus or minus 22.5
- Adults 25 and over with a bachelor degree or higher31.2 percent
- Adults 25 and over with a graduate degree11.8 percent plus or minus 4.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stephens City
Housing in Stephens City
- Housing units984
- Occupied units930
- Vacant units54 plus or minus 44
- Vacancy rate5.5 percent plus or minus 4.4
- Owner occupied623 plus or minus 127
- Renter occupied307 plus or minus 87
- Ownership rate67.0 percent
- Median owner-occupied home value$325,100
- Median gross rent, monthly$1,210
- Annual rent as a share of median income14.2 percent plus or minus 5.6
- Single family units789
- Share single family80.2 percent
- Units in buildings of two or more189 plus or minus 76
- Share in buildings of two or more19.2 percent plus or minus 7.2
- Mobile homes3 plus or minus 5
- Median year structure built1987
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stephens City
How Stephens City gets to work
- Workers 16 and over who commute1,296 plus or minus 344
- Commuting under 15 minutes252 plus or minus 86
- Share commuting under 15 minutes19.4 percent plus or minus 4.1
- Commuting 30 minutes or more694 plus or minus 268
- Share commuting 30 minutes or more53.5 percent plus or minus 15.0
- Drove alone75.4 percent
- Carpooled12.2 percent plus or minus 7.6
- Public transport0.0 percent
- Walked1.5 percent plus or minus 1.1
- Worked from home10.0 percent plus or minus 3.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stephens City
SBA loans in Stephens City (7(a))
- Approvals7
- Gross approval$3,876,900
- Average approval$553,843
- Median approval$325,900
- Ninetieth percentile approval$1,720,000
- Largest approval$1,720,000
- Jobs supported65
- Jobs per approval9.3
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more42.9 percent
- Share to franchises0.0 percent
- Distinct lenders7
- Distinct industries by NAICS7
A charge-off rate is not published here. only 1 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Stephens City
SBA loans in Stephens City (504)
- Approvals3
- Gross approval$1,014,000
- Average approval$338,000
- Median approval$442,000
- Largest approval$462,000
- Jobs supported33
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Frederick County, not Stephens City
Frederick County context, not Stephens City figures
These are Frederick County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Stephens City measurements.
- Establishments in Frederick County1,695
- Employment at those establishments, Frederick County31,079
- Covered employment, Frederick County39,388
- Average annual pay, Frederick County$62,069
- Average weekly wage, Frederick County$1,194
- Housing units permitted, Frederick County872
- Of those, single family, Frederick County872
- Average income of an arriving household, Frederick County$76,939
Every figure in this section is published for Frederick County as a whole and is not a measurement of Stephens City. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Stephens City questions, answered from the record.
How many people live in Stephens City, Virginia?
2,393, in 930 households. Stephens City town covers 2.43 square miles of land, which is 986 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Stephens City in?
Frederick 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 Stephens City?
$102,593. The median owner-occupied home is valued at $325,100. Median gross rent is $1,210 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Stephens City businesses?
7 7(a) approvals totalling $3.9 m, across 7 lenders, median approval $325,900, plus 3 504 approvals worth $1.0 m. These count approvals to borrowers whose address is in Stephens City, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Stephens City borrowers get paid back?
No rate is published for Stephens City. only 1 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Stephens City figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Frederick 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 Stephens City.
Is zoning published for Stephens City?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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