HomePennsylvaniaCambria County
Cambria County, Pennsylvania: commercial real estate data.
Cambria County, Pennsylvania has a population of 131,538 across 688 square miles, down 2.5 percent since the 2020 census base. County output reached $6.21 bn in 2024, 2,996 establishments operate here, and the SBA record carries 30 7(a) approvals worth $17.0 m.
128 sourced county values · tier FULL · 12 sections
Cambria County
How many people live in Cambria County
- Population131,538
- Households55,973
- Average household size2.35
- Median household income$58,418
- Median age45.6
- Median gross rent$739 per month
- Median owner-occupied home value$121,000
- Home value to household income2.1 times
- Annual rent as a share of median income15.2 percent
- Adults 25 and over with a bachelor degree or higher23.9 percent
- Adults 25 and over with a graduate degree8.2 percent
- Adults 25 and over94,666
- Population under 1825,261
- Share under 1819.2 percent
- Population 65 and over31,490
- Share 65 and over23.9 percent
- Working age population, 18 to 6474,787
- Civilian labor force59,446
- Unemployment rate4.7 percent
- Labor force participation, adults 18 and over55.9 percent
- Rank by population among Pennsylvania counties26th of 67
- Rank by population among US county-equivalents497th
Cambria County is the 26th largest of 67 Pennsylvania counties by population. A median home costs 2.1 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 23.9 percent against 19.2 percent, which points demand at health care, services and single storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Cambria County
Is Cambria County growing
- Population change since the 2020 census base-2.51 percent
- Census 2020 base population133,463
- Births, 20241,183
- Deaths, 20241,938
- Natural change, 2024-755
- Net domestic migration, 202445
- Net international migration, 2024111
- Total net migration, 2024156
- Cumulative net domestic migration, 2021 to 2024155
- Rank by growth among US county-equivalents2637th
The county has lost 2.51 percent of its population since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Cambria County
Where people moving to Cambria County come from
- Tax returns filed by households arriving2,043
- People arriving, from those returns3,613
- Adjusted gross income arriving$101.6 m
- Net adjusted gross income movement$0
- Average income of an arriving household$49,744
- Largest single originCambria County Non-migrants (52,900 households)
- Largest single destination (52,900 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Cambria County Non-migrants | 52,900 | 101,197 | $3.44 bn |
| Other flows - Different State | 743 | 1,341 | $41.3 m |
| Other flows - South | 380 | 659 | $21.3 m |
| Other flows - Same State | 287 | 505 | $13.6 m |
| Somerset County | 251 | 427 | $12.9 m |
| Blair County | 199 | 332 | $7.8 m |
| Other flows - Northeast | 126 | 236 | $5.6 m |
| Indiana County | 124 | 211 | $5.0 m |
The largest single source of arrivals is Cambria County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Cambria County
What the Cambria County economy runs on
- County GDP, 2024$6.21 bn
- County GDP, 2023$5.98 bn
- GDP change, 2023 to 20243.7 percent
- GDP change over five years25.3 percent
- Rank by GDP among Pennsylvania counties29th
- Rank by GDP among US county-equivalents634th
- GDP per resident$47,197
Output grew 3.7 percent in the latest year and 25.3 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Cambria County
Who employs people in Cambria County
- Covered employment, annual average47,545
- Establishments reporting3,304
- Average annual pay$49,791
- Average weekly wage$958
- Sector 62, employment9,974
- Sector 62, average annual pay$57,025
- Sector 44-45, employment6,068
- Sector 44-45, average annual pay$32,295
- Sector 31-33, employment4,191
- Sector 31-33, average annual pay$61,370
- Sector 72, employment3,974
- Sector 72, average annual pay$17,325
- Sector 81, employment2,109
- Sector 56, employment1,981
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 9,974 | 619 | $57,025 |
| Sector 44-45 | 6,068 | 448 | $32,295 |
| Sector 31-33 | 4,191 | 126 | $61,370 |
| Sector 72 | 3,974 | 297 | $17,325 |
| Sector 81 | 2,109 | 358 | $32,971 |
| Sector 56 | 1,981 | 132 | $38,123 |
| Sector 48-49 | 1,979 | 98 | $46,019 |
| Sector 54 | 1,910 | 194 | $78,720 |
The largest sector is the biggest private employer group at 9,974 jobs, 21.0 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Cambria County
What businesses operate in Cambria County
- Establishments, all industries2,996
- Employment at those establishments43,601
- Annual payroll$1.92 bn
- Establishments per 1,000 residents22.8
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Cambria County
What is being built in Cambria County
- Housing units authorised by permit, 202462
- Declared construction value permitted$20.9 m
- Single family units authorised58
- Multifamily units authorised4
- Multifamily share of units6.5 percent
- Average declared value per unit$337,734
- Units authorised per 1,000 households1.1
Multifamily is 6.5 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Cambria County
How much SBA lending happens in Cambria County
- 7(a) approvals recorded30
- 7(a) gross approval dollars$17.0 m
- Average 7(a) approval$567,640
- Median 7(a) approval$184,500
- 10th percentile approval$50,000
- 90th percentile approval$1,680,000
- Largest single approval$3,500,000
- Jobs reported supported, 7(a)259
- Jobs per approval8.6
- Distinct 7(a) lenders active17
- Distinct industries receiving approvals22
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer23.3 percent
- Loans on real estate terms7
- Loans on working capital terms, 120 months or shorter21
- Franchise loans2
- Franchise share of approvals6.7 percent
- Leading industry by approval countLandscaping Services (3)
- Most active lenderFirst Commonwealth Bank (8)
- 504 approvals recorded7
- 504 gross approval dollars$5.3 m
- Average 504 approval$751,286
- Median 504 approval$655,000
- Distinct CDCs active4
- 504 jobs per approval10.0
- 504 jobs per million dollars approved13.3
- Most active CDCEmpire State Certified Development Corporation (3)
- 7(a) share of SBA approvals81.1 percent
- Combined SBA approval dollars$22.3 m
The average approval of $567,640 sits well above the median of $184,500, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 23.3 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Cambria County
Do SBA loans in Cambria County get paid back
- Loans with a final outcome recorded10
- Paid in full9
- Charged off1
- Charge off rate on resolved loans10.0 percent
- Status: Paid in full9
- Status: Exempt from disclosure12
- Status: Charged off1
- Status: Committed, not yet disbursed2
- Status: Cancelled6
Of the 10 loans that have reached a final outcome, 10.0 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cambria County
Which parts of Cambria County get the lending
- Places in the county with recorded lending8
- JOHNSTOWN, approvals11
- EBENSBURG, approvals7
- Summerhill, approvals5
- CARROLLTOWN, approvals2
- PATTON, approvals2
- Northern Cambria, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| JOHNSTOWN | 11 | $8,717,100 |
| EBENSBURG | 7 | $3,893,000 |
| Summerhill | 5 | $800,000 |
| CARROLLTOWN | 2 | $130,000 |
| PATTON | 2 | $254,500 |
| Northern Cambria | 1 | $1,680,000 |
| CRESSON | 1 | $1,479,600 |
| GALLITZIN | 1 | $75,000 |
JOHNSTOWN accounts for 11 approvals against 7 in EBENSBURG. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cambria County
How big is Cambria County
- Land area688 sq mi
- Rank by land area among Pennsylvania counties31st of 67
- Width, east to west37.1 mi
- Height, north to south33.4 mi
- Geographies sharing a boundary6
- Residents per square mile of land191
- Establishments per square mile4.35
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Cambria County
What hazards affect Cambria County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book58
- Of those, participating in the NFIP58
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
The EPA places the county in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L.
US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001. FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
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.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Cambria County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Cambria County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population131,538
- Households55,973
- Average household size2.35
- Median household income$58,418
- Median age45.6
Common questions
Cambria County questions, answered from the record.
How many people live in Cambria County, Pennsylvania?
131,538, in 55,973 households, ranking 26th of 67 Pennsylvania counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Cambria County growing?
The population has fallen 2.51 percent since the 2020 census base. In 2024 there were 1,183 births against 1,938 deaths, with net migration of 156. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Cambria County?
$58,418. The median owner-occupied home is valued at $121,000, which is 2.1 times income, and median gross rent is $739 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Cambria County?
2,996 establishments, employing 43,601 people with an annual payroll of $1.92 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Cambria County?
Average annual pay is $49,791, or $958 a week, across 47,545 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Cambria County?
30 7(a) approvals totalling $17.0 m since FY2020, across 17 lenders, with a median approval of $184,500, plus 7 504 approvals worth $5.3 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Cambria County get paid back?
Of the 10 loans that have reached a final outcome, 9 were paid in full and 1 charged off, a charge off rate of 10.0 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Cambria County?
62 housing units were authorised by permit in 2024, with a declared construction value of $20.9 m. Multifamily was 6.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Cambria County?
Zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Cambria County come from?
The largest single origin is Cambria County Non-migrants, with 52,900 households. Arriving households report an average income of $49,744 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Cambria County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Cambria County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.