HomeWest VirginiaJefferson CountyShepherdstown
Shepherdstown, West Virginia: commercial real estate data.
Shepherdstown is a Census town of 1,460 people across 0.40 square miles of land, in Jefferson County. Median household income is $63,750, 73.2 percent of occupied homes are owned, and the SBA record carries 5 7(a) approvals to borrowers here worth $2.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Shepherdstown
What Shepherdstown is
- Census place typetown
- Land area0.4 sq mi
- Water area0 sq mi
- Population per square mile of land3,638
- 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.
Shepherdstown
How many people live in Shepherdstown
- Population1,460
- Median age21.8
- Population under 1888 plus or minus 56
- Share under 186.0 percent plus or minus 3.7
- Population 65 and over212 plus or minus 74
- Share 65 and over14.5 percent plus or minus 4.4
- Households313 plus or minus 103
- Family households156 plus or minus 77
- Share of households that are families49.8 percent plus or minus 18.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Shepherdstown
Income and work in Shepherdstown
- Median household income$63,750 plus or minus $24,257
- Per capita income$22,780 plus or minus $4,697
- Civilian labor force737 plus or minus 207
- Employed649 plus or minus 196
- Unemployed88 plus or minus 77
- Unemployment rate11.9 percent plus or minus 9.9
- Adults 25 and over514 plus or minus 183
- Adults 25 and over with a high school diploma or higher98.2 percent plus or minus 46.0
- Adults 25 and over with a bachelor degree or higher71.2 percent
- Adults 25 and over with a graduate degree35.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Shepherdstown
Housing in Shepherdstown
- Housing units337 plus or minus 104
- Occupied units313 plus or minus 103
- Vacant units24 plus or minus 28
- Vacancy rate7.1 percent plus or minus 8.0
- Owner occupied229 plus or minus 89
- Renter occupied84 plus or minus 49
- Ownership rate73.2 percent plus or minus 15.1
- Median owner-occupied home value$485,200 plus or minus $102,338
- Median gross rent, monthly$1,201
- Annual rent as a share of median income22.6 percent plus or minus 9.3
- Single family units257 plus or minus 88
- Share single family76.3 percent
- Units in buildings of two or more80 plus or minus 50
- Share in buildings of two or more23.7 percent plus or minus 12.9
- Mobile homes0
- Median year structure built1965
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Shepherdstown
How Shepherdstown gets to work
- Workers 16 and over who commute485 plus or minus 151
- Commuting under 15 minutes275 plus or minus 119
- Share commuting under 15 minutes56.7 percent plus or minus 17.1
- Commuting 30 minutes or more109 plus or minus 66
- Share commuting 30 minutes or more22.5 percent plus or minus 11.7
- Drove alone51.7 percent plus or minus 12.8
- Carpooled0.0 percent
- Public transport1.0 percent plus or minus 2.0
- Walked27.4 percent plus or minus 12.1
- Worked from home20.0 percent plus or minus 10.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Shepherdstown
SBA loans in Shepherdstown (7(a))
- Approvals5
- Gross approval$2,760,000
- Average approval$552,000
- Median approval$350,000
- Largest approval$1,235,000
- Jobs supported56
- Jobs per approval11.2
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more20.0 percent
- Share to franchises20.0 percent
- Distinct lenders4
- Distinct industries by NAICS5
Counted by borrower city: approvals to borrowers whose address is in Shepherdstown, 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.
Shepherdstown
Flood risk in Shepherdstown
- NFIP communityTown of Shepherdstown
- NFIP community number540069
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date11/27/26(>)
The Town of Shepherdstown participates in the National Flood Insurance Program as community 540069 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 Shepherdstown
Jefferson County context, not Shepherdstown 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 Shepherdstown.
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
Shepherdstown questions, answered from the record.
How many people live in Shepherdstown, West Virginia?
1,460, in 313 households. Shepherdstown town covers 0.40 square miles of land, which is 3,638 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Shepherdstown 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 Shepherdstown?
$63,750. The median owner-occupied home is valued at $485,200. Median gross rent is $1,201 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Shepherdstown businesses?
5 7(a) approvals totaling $2.8 m since FY2020, across 4 lenders, median approval $350,000. These count approvals to borrowers whose address is in Shepherdstown, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Shepherdstown borrowers get paid back?
No rate is published for Shepherdstown. 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 Shepherdstown in the National Flood Insurance Program?
Yes. Shepherdstown appears in the FEMA Community Status Book as Shepherdstown, town of, community 540069, 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 Shepherdstown 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 Shepherdstown.
Is zoning published for Shepherdstown?
No. Nothing on this page presents parcel level zoning.
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