HomeWest VirginiaBerkeley CountyMartinsburg
Martinsburg, West Virginia: commercial real estate data.
Martinsburg is a Census city of 18,904 people across 6.63 square miles of land, in Berkeley County. Median household income is $59,555, 47.9 percent of occupied homes are owned, and the SBA record carries 25 7(a) approvals to borrowers here worth $23.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Martinsburg
What Martinsburg is
- Census place typecity
- Land area6.63 sq mi
- Water area0.02 sq mi
- Population per square mile of land2,851
- 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.
Martinsburg
How many people live in Martinsburg
- Population18,904
- Median age37.4
- Population under 184,192
- Share under 1822.2 percent
- Population 65 and over3,096
- Share 65 and over16.4 percent
- Households7,963
- Family households4,547
- Share of households that are families57.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Martinsburg
Income and work in Martinsburg
- Median household income$59,555
- Per capita income$31,234
- Civilian labor force9,937
- Employed9,423
- Unemployed514 plus or minus 301
- Unemployment rate5.2 percent plus or minus 3.0
- Adults 25 and over13,030
- Adults 25 and over with a high school diploma or higher89.8 percent
- Adults 25 and over with a bachelor degree or higher24.7 percent
- Adults 25 and over with a graduate degree7.9 percent plus or minus 2.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Martinsburg
Housing in Martinsburg
- Housing units8,455
- Occupied units7,963
- Vacant units492 plus or minus 228
- Vacancy rate5.8 percent plus or minus 2.7
- Owner occupied3,811
- Renter occupied4,152
- Ownership rate47.9 percent
- Median owner-occupied home value$240,000
- Median gross rent, monthly$1,150
- Annual rent as a share of median income23.2 percent
- Single family units5,964
- Share single family70.5 percent
- Units in buildings of two or more2,416
- Share in buildings of two or more28.6 percent
- Mobile homes75 plus or minus 94
- Median year structure built1969
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Martinsburg
How Martinsburg gets to work
- Workers 16 and over who commute8,469
- Commuting under 15 minutes2,470
- Share commuting under 15 minutes29.2 percent
- Commuting 30 minutes or more2,504 plus or minus 595
- Share commuting 30 minutes or more29.6 percent plus or minus 6.6
- Drove alone70.7 percent
- Carpooled14.8 percent plus or minus 5.0
- Public transport1.8 percent plus or minus 2.1
- Walked3.2 percent plus or minus 1.8
- Worked from home8.8 percent plus or minus 2.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Martinsburg
SBA loans in Martinsburg (7(a))
- Approvals25
- Gross approval$23,140,700
- Average approval$925,628
- Median approval$350,000
- Ninetieth percentile approval$2,620,000
- Largest approval$5,000,000
- Jobs supported583
- Jobs per approval23.3
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more24.0 percent
- Share to franchises32.0 percent
- Distinct lenders15
- Distinct industries by NAICS18
Counted by borrower city: approvals to borrowers whose address is in Martinsburg, 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.
Martinsburg
SBA loans in Martinsburg (504)
- Approvals6
- Gross approval$4,267,000
- Average approval$711,167
- Median approval$365,000
- Largest approval$2,465,000
- Jobs supported51
- Loans with a final outcome1
- Charged off0
- Median term270 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Martinsburg, in any county, FY2010 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, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Martinsburg
Flood risk in Martinsburg
- NFIP communityCity of Martinsburg
- NFIP community number540006
- Participating in the NFIPYes
- Community Rating System classClass 8
- Currently effective map date07/07/09
The City of Martinsburg participates in the National Flood Insurance Program as community 540006 and carries Community Rating System class 8, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Berkeley County, not Martinsburg
Berkeley County context, not Martinsburg figures
- Establishments in Berkeley County1,859
- Covered employment, Berkeley County38,427
- Average annual pay, Berkeley County$57,976
- Housing units permitted, Berkeley County1,460
Every figure in this section is published for Berkeley County as a whole and is not a measurement of Martinsburg.
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
Martinsburg questions, answered from the record.
How many people live in Martinsburg, West Virginia?
18,904, in 7,963 households. Martinsburg city covers 6.63 square miles of land, which is 2,851 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Martinsburg 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 Martinsburg?
$59,555. The median owner-occupied home is valued at $240,000. Median gross rent is $1,150 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Martinsburg businesses?
25 7(a) approvals totaling $23.1 m since FY2020, across 15 lenders, median approval $350,000, plus 6 504 approvals worth $4.3 m since FY2010. These count approvals to borrowers whose address is in Martinsburg, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Martinsburg borrowers get paid back?
No rate is published for Martinsburg. 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 Martinsburg in the National Flood Insurance Program?
Yes. Martinsburg appears in the FEMA Community Status Book as Martinsburg, city of, community 540006, carrying Community Rating System class 8, which is a premium discount for exceeding the program minimum. 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 Martinsburg 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 Martinsburg.
Is zoning published for Martinsburg?
No. Nothing on this page presents parcel level zoning.
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