HomeWest VirginiaJefferson CountyHarpers Ferry
Harpers Ferry, West Virginia: commercial real estate data.
Harpers Ferry is a Census town of 350 people across 0.54 square miles of land, in Jefferson County. Median household income is $116,587, 80.0 percent of occupied homes are owned, and the SBA record carries 6 7(a) approvals to borrowers here worth $10.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Harpers Ferry
What Harpers Ferry is
- Census place typetown
- Land area0.54 sq mi
- Water area0.09 sq mi
- Population per square mile of land654 plus or minus 267
- County holding the largest share of its areaJefferson 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.
Harpers Ferry
How many people live in Harpers Ferry
- Population350 plus or minus 143
- Median age57.5
- Population under 1845 plus or minus 28
- Share under 1812.9 percent plus or minus 5.9
- Population 65 and over121 plus or minus 65
- Share 65 and over34.6 percent plus or minus 12.2
- Households165 plus or minus 70
- Family households117 plus or minus 60
- Share of households that are families70.9 percent plus or minus 20.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harpers Ferry
Income and work in Harpers Ferry
- Median household income$116,587 plus or minus $24,402
- Per capita income$61,164 plus or minus $12,392
- Civilian labor force199 plus or minus 99
- Employed196 plus or minus 99
- Unemployed3 plus or minus 4
- Unemployment rate1.5 percent plus or minus 1.9
- Adults 25 and over297 plus or minus 131
- Adults 25 and over with a high school diploma or higher95.3 percent plus or minus 55.3
- Adults 25 and over with a bachelor degree or higher61.3 percent plus or minus 17.8
- Adults 25 and over with a graduate degree41.4 percent plus or minus 24.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harpers Ferry
Housing in Harpers Ferry
- Housing units215 plus or minus 72
- Occupied units165 plus or minus 70
- Vacant units50 plus or minus 30
- Vacancy rate23.3 percent plus or minus 11.6
- Owner occupied132 plus or minus 64
- Renter occupied33 plus or minus 27
- Ownership rate80.0 percent plus or minus 18.8
- Median owner-occupied home value$529,100 plus or minus $148,349
- Median gross rent, monthly$1,859
- Annual rent as a share of median income19.1 percent plus or minus 4.7
- Single family units198 plus or minus 72
- Share single family92.1 percent
- Units in buildings of two or more3 plus or minus 14
- Share in buildings of two or more1.4 percent plus or minus 6.6
- Mobile homes14 plus or minus 20
- Median year structure built1938
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harpers Ferry
How Harpers Ferry gets to work
- Workers 16 and over who commute131 plus or minus 62
- Commuting under 15 minutes34 plus or minus 20
- Share commuting under 15 minutes26.0 percent plus or minus 9.2
- Commuting 30 minutes or more79 plus or minus 48
- Share commuting 30 minutes or more60.3 percent plus or minus 22.5
- Drove alone52.0 percent
- Carpooled5.1 percent plus or minus 6.7
- Public transport0.5 percent plus or minus 1.0
- Walked9.2 percent plus or minus 7.3
- Worked from home33.2 percent plus or minus 29.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harpers Ferry
SBA loans in Harpers Ferry (7(a))
- Approvals6
- Gross approval$10,013,200
- Average approval$1,668,867
- Median approval$252,100
- Largest approval$5,000,000
- Jobs supported98
- Jobs per approval16.3
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more33.3 percent
- Share to franchises16.7 percent
- Distinct lenders6
- Distinct industries by NAICS4
Counted by borrower city: approvals to borrowers whose address is in Harpers Ferry, 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.
Harpers Ferry
Flood risk in Harpers Ferry
- NFIP communityTown of Harpers Ferry
- NFIP community number540067
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date11/27/26(>)
The Town of Harpers Ferry participates in the National Flood Insurance Program as community 540067 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.
Jefferson County, not Harpers Ferry
Jefferson County context, not Harpers Ferry figures
- Establishments in Jefferson County976
- Covered employment, Jefferson County17,087
- Average annual pay, Jefferson County$61,812
- Housing units permitted, Jefferson County990
Every figure in this section is published for Jefferson County as a whole and is not a measurement of Harpers Ferry.
All Jefferson 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
Harpers Ferry questions, answered from the record.
How many people live in Harpers Ferry, West Virginia?
350, in 165 households. Harpers Ferry town covers 0.54 square miles of land, which is 654 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Harpers Ferry in?
Jefferson 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 Harpers Ferry?
$116,587. The median owner-occupied home is valued at $529,100. Median gross rent is $1,859 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Harpers Ferry businesses?
6 7(a) approvals totaling $10.0 m since FY2020, across 6 lenders, median approval $252,100. These count approvals to borrowers whose address is in Harpers Ferry, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Harpers Ferry borrowers get paid back?
No rate is published for Harpers Ferry. 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 Harpers Ferry in the National Flood Insurance Program?
Yes. Harpers Ferry appears in the FEMA Community Status Book as Harpers Ferry, town of, community 540067, 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 Harpers Ferry figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Jefferson 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 Harpers Ferry.
Is zoning published for Harpers Ferry?
No. Nothing on this page presents parcel level zoning.
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