Median Income
$117,010
56% higher than US avg
Home Value
$264,100
6% lower than US avg
Violent Crime
298/100K
22% lower than US avg
Bachelor's+
30.4%
10% lower than US avg
Obesity Rate
43.8%
36% higher than US avg
Unemployment
3.2%
11% lower than US avg
Poverty Rate
0.0%
100% lower than US avg
How Pen Mar Compares to the U.S. Average (100% = U.S. avg)
People
Population1,338
Median Age35.3 yrs
Density1,808/mi²
Male / Female36% / 64%
Largest GroupWhite 84%
Veterans15.9%
Economy
A+
Median Income$117,010
Per Capita$40,216
Unemployment3.2%
Poverty0.0%
County GDP$8,379M
Commute30 min
Housing
A+
Home Value$264,100
RentN/A
Ownership96.0%
Zillow$269,344
Housing Units414
Rent Burden26.4%
Crime
F
Violent298/100K
Property2,791/100K
Health
Obesity43.8%
UninsuredN/A
Climate
Avg Temp52°F (11°C)
AQI40 (Good)
Sunny Days297/yr
Elevation930 ft (283 m)
Education
B
Bachelor's+30.4%
High School+86.6%
Graduate+11.6%
School Score5.86
Community
2024 VoteR 71% / D 28%
Commute30 min
Broadband94.1%
EV Stations1
Libraries8
Is Pen Mar a Good Place to Live?
Based on current data, Pen Mar receives an overall livability score of 3.6 out of 5.0, earning a grade of B+. Key strengths include above-average household incomes, low unemployment, low crime rates, abundant sunshine. Areas to be aware of include high obesity rates. Pen Mar offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Pen Mar is $117,010, which is significantly higher than the national average / 56% above $75,149. This places Pen Mar among higher-income communities. Unemployment stands at 3.2%, indicating a healthy job market. Only 0.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 30 minutes.
Cost of Living & Housing
The median home value in Pen Mar is $264,100, roughly aligned with the national median of $281,900. At just 2.3x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Pen Mar is below the national average at 298 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 2,791 per 100,000, 42% above the national average.
Education
30.4% of residents hold a bachelor's degree, below the national average of 33.7%. 86.6% have completed high school. Area schools have an average test score of 5.9/10.
Climate & Weather
Pen Mar experiences four distinct seasons with an average temperature of 52°F. Winters average 30°F in January while summers reach 74°F in July. With 297 sunny days per year, residents enjoy well above the national average of sunshine. Air quality is rated Good with a median AQI of 40.
Pen Mar has a population of 1,338 with a density of 1,808 people per square mile, spread across 0.7 square miles. The median age is 35.3 years, 9% younger than the national median of 38.9. The gender split is 63.6% female and 36.4% male. The city is predominantly White (84.1%), with 3.1% Black. English is the primary language spoken at home by 100% of residents. 15.9% of the population are veterans, above the national rate of 6.0%. 8.2% of residents have a disability (below the 13.0% national average). 91.8% have health insurance coverage.
Population
35.3yrs
Median Age
9% below US avg
Language Spoken at Home
English Only
100.0%
27% above US avg
Spanish
0.0%
100% below US avg
The median household income in Pen Mar is $117,010, which is 56% above the national average of $75,149. Per capita income is $40,216. The average weekly wage is $1,068, 25% lower than the U.S. average. The unemployment rate is 3.2% (below the 3.6% US average). 0.0% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 3,466 business establishments, including 288 restaurants. The cost of living index is 97.6, roughly in line with the national average. Workers commute an average of 30 minutes. 17.1% of workers work from home.
Income
| Median HH Income | $117,010 |
| 56% above US avg |
| Per Capita Income | $40,216 |
| Avg Weekly Wage | $1,068 |
| IRS Avg AGI | $69,390 |
| Gini Index | 0.421 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 3.2% |
| 11% below US avg |
| Poverty Rate | 0.0% |
| 100% below US avg |
| Establishments (County) | 3,466 |
| County GDP | $8,379M |
Business (County)
| Restaurants | 288 |
| Healthcare | 343 |
| Retail | 454 |
| Manufacturing | 201 |
Tax & Cost of Living
| Property Tax (IRS) | $4,983 |
| 42% above US avg |
| Cost of Living | 97.60 (100=avg) |
| Effective Tax Rate | 1.89% |
Commute & Transportation
| Commute Time | 30.0 min |
| Drive Alone | 70.7% |
| Public Transit | 0.5% |
| Work from Home | 17.1% |
The median home value in Pen Mar is $264,100, 6% below the national median of $281,900. Zillow estimates the typical home value at $269,344. Fair market rent ranges from $996 for a one-bedroom to $1,225 for a two-bedroom apartment. 96.0% of housing units are owner-occupied (above the 65.4% national rate). There are 414 total housing units in the city. The median year a home was built is 1986. The average annual property tax is $4,983 (higher than the $3,500 national average). 26.4% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.3x, well within the affordable range.
Home Values
| Census Median | $264,100 |
| 6% below US avg |
| Zillow ZHVI | $269,344 |
Real Estate Market (Redfin)
Rental Costs
HUD Fair Market Rent
| Studio | $900 |
| 1 Bedroom | $996 |
| 2 Bedrooms | $1,225 |
| 3 Bedrooms | $1,570 |
| 4 Bedrooms | $1,744 |
Ownership & Property
| Homeownership | 96.0% |
| Owner-Occupied | 96.0% |
| Renter-Occupied | 4.0% |
| Housing Units | 414 |
| Median Year Built | 1986 |
Property Tax
| Avg Tax (IRS) | $4,983 |
| 42% above US avg |
| Effective Rate | 1.89% |
In Pen Mar, 43.8% of adults are obese, above the national rate of 32.1%. The primary care physician ratio is 1:1,628. The dentist ratio is 1:2,149. 73.4% of residents have access to exercise opportunities. The food environment index is 8.4 out of 10.
Health Metrics: Pen Mar vs U.S. Average (%)
Chronic Conditions
| Obesity | 43.8% |
| 36% above US avg |
Behaviors & Mental Health
Healthcare Access
| Insurance Rate | 91.8% |
| |
| Primary Care | 1:1,628 |
| Dentists | 1:2,149 |
| Mental Health | 1:727 |
| Dental Visits | 65.7% |
| Premature Death | 7,611/100K |
Food & Exercise
| Food Environment | 8.4/10 |
| Exercise Access | 73.4% |
| Healthcare Facilities | 343 |
Pen Mar has a violent crime rate of 298 per 100,000 residents, 22% below the national average of 380. Property crime stands at 2,791 per 100,000, 42% above the U.S. average. The county recorded 14 fatal traffic crashes. Overall, Pen Mar receives a safety grade of F.
Crime Rates: Pen Mar vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 297.7/100K |
| 22% below US avg |
| |
Property Crime
| Total Property | 2,791.2/100K |
| 42% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 14 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Pen Mar experiences four distinct seasons with an average annual temperature of 52°F (11°C). Winters average 30°F in January while summers reach 74°F in July. The area gets 297 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Air quality is rated Good with a median AQI of 40. The city sits at an elevation of 930 feet.
Temperature
30°F Jan (-1°C)
74°F Jul (23°C)
| Annual Average | 52.3°F |
| 3% below US avg |
| January Average | 30°F (-1°C) |
| July Average | 74°F (23°C) |
| Sunny Days | 297 days/yr |
Geography
| Elevation | 930 ft (283 m) |
| Area | 0.7 sq mi (1.9 km²) |
| Population Density | 1,808/sq mi |
| Coordinates | 39.7263°N, 77.5160°W |
| Timezone | America/New_York |
| County | Franklin County County |
| Nearest Airport | Hagerstown Regional/Richard A Henson Field (HGR) 11 miles away |
Precipitation & Snow
Wettest Month (May)
4.13"
Air Quality
| AQI Median | 40.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 76.4 / 100 |
| Social Vulnerability | 32.4 / 100 |
| Community Resilience | 63.5 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Relatively Moderate |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Moderate |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively Moderate |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Moderate |
| Cold Wave |
Very Low |
| Landslide |
Relatively Low |
| Avalanche |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
25 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.6. Most recent: M2.6 on Jun 25, 2021.
| Jan 16, 1994 |
2 km W of Sinking Spring, Pennsylvania |
M4.6 |
143 km |
| Jan 16, 1994 |
0 km E of Sinking Spring, Pennsylvania |
M4.2 |
145 km |
| Jul 16, 2010 |
5 km NNW of Barnesville, Maryland |
M3.6 |
53 km |
| Jun 13, 2019 |
9 km N of Blain, Pennsylvania |
M3.4 |
77 km |
| Jun 3, 2010 |
4 km ENE of Franklintown, Pennsylvania |
M3.1 |
61 km |
| Jan 17, 2016 |
3 km NE of Ranson, West Virginia |
M3.0 |
53 km |
| Nov 14, 1997 |
0 km S of Rothsville, Pennsylvania |
M3.0 |
117 km |
| Apr 24, 2009 |
1 km S of Franklintown, Pennsylvania |
M2.9 |
56 km |
| Jan 16, 1994 |
0 km SSE of Sinking Spring, Pennsylvania |
M2.9 |
145 km |
| Sep 15, 2019 |
5 km ESE of East Berlin, Pennsylvania |
M2.8 |
56 km |
| May 10, 1993 |
1 km NW of Whitfield, Pennsylvania |
M2.8 |
145 km |
| Oct 25, 2009 |
4 km ENE of Franklintown, Pennsylvania |
M2.8 |
62 km |
| Mar 15, 1993 |
5 km W of Columbia, Maryland |
M2.7 |
76 km |
| Oct 28, 1994 |
1 km E of Mount Vernon, Maryland |
M2.7 |
92 km |
| Mar 11, 1995 |
0 km ENE of Landisville, Pennsylvania |
M2.7 |
104 km |
| Jan 13, 1990 |
6 km ENE of Eldersburg, Maryland |
M2.6 |
64 km |
| Jun 25, 2021 |
2 km SE of Woodlawn, Maryland |
M2.6 |
84 km |
| Jan 18, 1994 |
3 km SE of Clay, Pennsylvania |
M2.6 |
122 km |
| Oct 28, 1996 |
2 km W of Reinholds, Pennsylvania |
M2.6 |
132 km |
| Jan 8, 1995 |
1 km WSW of Montrose Manor, Pennsylvania |
M2.5 |
144 km |
Source: USGS (M2.5+, 1990–2025)
Hurricane History
2 hurricanes (Cat 1+) within 500 km since 1980.
Strongest: Category 2. Most recent: Irene (2011, Cat 1).
| Year |
Name |
Category |
Closest |
| 2011 |
Irene |
Category 1 |
283 km |
| 1985 |
Gloria |
Category 2 |
299 km |
Source: NOAA IBTrACS (Cat 1+, 1980–2026)
Tornado History
387 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF3. Total: 5 fatalities, 207 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Sep 24, 2001 |
EF3 |
100 km |
2 |
| Jul 19, 1996 |
EF3 |
52 km |
0 |
| May 22, 1983 |
EF3 |
23 km |
0 |
| Jun 7, 1980 |
EF3 |
48 km |
0 |
| Jun 9, 1961 |
EF3 |
97 km |
0 |
| Apr 16, 1961 |
EF3 |
36 km |
0 |
| Apr 5, 1952 |
EF3 |
47 km |
0 |
| Apr 19, 2019 |
EF2 |
90 km |
0 |
| Apr 19, 2019 |
EF2 |
35 km |
0 |
| Nov 2, 2018 |
EF2 |
51 km |
0 |
| Apr 28, 2011 |
EF2 |
66 km |
0 |
| Sep 18, 2004 |
EF2 |
98 km |
0 |
| Sep 17, 2004 |
EF2 |
59 km |
0 |
| Sep 17, 2004 |
EF2 |
36 km |
0 |
| Sep 17, 2004 |
EF2 |
84 km |
0 |
| Sep 17, 2004 |
EF2 |
100 km |
0 |
| Sep 24, 2001 |
EF2 |
46 km |
0 |
| Jul 19, 1996 |
EF2 |
42 km |
0 |
| Jun 24, 1996 |
EF2 |
98 km |
0 |
| May 29, 1995 |
EF2 |
98 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
1 wildfire (100+ acres) within 100 km.
Largest: BEAR DEN (945 ac, 2014).
| Year |
Name |
Acres |
Distance |
| 2014 |
BEAR DEN |
945 |
100 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
30°F (-1°C) |
2.9 in |
Coldest |
| February |
32°F (-0°C) |
2.7 in |
Driest |
| March |
40°F (5°C) |
3.4 in |
|
| April |
51°F (10°C) |
3.5 in |
|
| May |
61°F (16°C) |
4.1 in |
Wettest |
| June |
69°F (21°C) |
4.0 in |
|
| July |
74°F (23°C) |
3.5 in |
Warmest |
| August |
72°F (22°C) |
3.4 in |
|
| September |
66°F (19°C) |
3.6 in |
|
| October |
54°F (12°C) |
3.4 in |
|
| November |
44°F (7°C) |
3.5 in |
|
| December |
34°F (1°C) |
3.0 in |
|
Pen Mar has a seasonal temperature swing of 44°F / from 30°F in January to 74°F in July. Total annual precipitation is 41.1 inches, with May being the wettest month (4.1") and February the driest (2.7").
Average costs for common services in Pen Mar. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$244 ($146–$390) |
| Specialist Visit |
$342 ($195–$537) |
| Urgent Care Visit |
$195 ($98–$342) |
| Emergency Room Visit |
$2,147 ($781–$4,880) |
| Dental Cleaning |
$127 ($73–$195) |
| Dental Filling |
$244 ($146–$390) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$44 ($24–$73) |
| Oil Change (Synthetic) |
$73 ($49–$117) |
| Brake Pad Replacement |
$293 ($146–$488) |
| Tire Rotation |
$39 ($20–$73) |
| New Tires (Set of 4) |
$586 ($390–$976) |
| Battery Replacement |
$195 ($98–$342) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$98 ($59–$146) |
| Electrician (Per Hour) |
$88 ($49–$137) |
| HVAC Repair |
$390 ($146–$781) |
| HVAC System Install |
$6,832 ($3,904–$11,712) |
| Roof Repair |
$976 ($390–$1,952) |
| Roof Replacement |
$8,784 ($5,368–$14,640) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,464 ($488–$3,416) |
| Divorce (Contested) |
$14,640 ($4,880–$29,280) |
| DUI Defense |
$4,880 ($1,952–$9,760) |
| Bankruptcy (Chapter 7) |
$1,464 ($781–$2,928) |
| Will Preparation |
$488 ($195–$976) |
| Trust Preparation |
$2,440 ($976–$4,880) |
View all 12 services
Personal Care
| Men's Haircut |
$24 ($15–$44) |
| Women's Haircut |
$54 ($29–$98) |
| Hair Coloring (Full) |
$146 ($73–$244) |
| Manicure |
$24 ($15–$44) |
| Pedicure |
$39 ($24–$63) |
| Massage (1 Hour) |
$78 ($49–$127) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.00 ($2.93–$5.37) |
| Dozen Eggs (per dozen) |
$3.42 ($2.44–$4.88) |
| Loaf of Bread |
$3.71 ($2.44–$5.37) |
| Chicken Breast (per lb) |
$4.39 ($2.93–$6.34) |
| Ground Beef (per lb) |
$5.37 ($3.90–$7.32) |
| Rice (per lb) |
$0.98 ($0.59–$1.76) |
View all 20 services
Utilities
| Electricity (Monthly) |
$137 ($78–$244) |
| Natural Gas (Monthly) |
$68 ($29–$146) |
| Water/Sewer (Monthly) |
$68 ($39–$117) |
| Internet (Monthly) |
$68 ($39–$98) |
| Cell Phone Plan (Monthly) |
$63 ($29–$98) |
| Cable TV (Monthly) |
$83 ($49–$146) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$195 ($73–$488) |
| Car Insurance (Annual) |
$1,952 ($1,171–$3,416) |
| Bus Pass (Monthly) |
$68 ($29–$127) |
| Taxi/Uber (5-Mile Ride) |
$15 ($7.81–$24) |
| Car Registration (Annual) |
$98 ($29–$244) |
| Driver's License Renewal |
$29 ($15–$73) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,171 ($586–$2,440) |
| Daycare (Toddler, Monthly) |
$976 ($488–$1,952) |
| After-School Care (Monthly) |
$390 ($195–$683) |
| Tutoring (Per Hour) |
$49 ($24–$98) |
| SAT/ACT Prep Course |
$976 ($390–$2,440) |
| Private School (K-12, Annual) |
$12,200 ($4,880–$29,280) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$59 ($29–$98) |
| Dog Vaccination (Annual) |
$98 ($49–$195) |
| Dog Grooming |
$59 ($29–$98) |
| Pet Boarding (Per Night) |
$39 ($20–$73) |
| Dog Spay/Neuter |
$293 ($146–$488) |
| Cat Spay/Neuter |
$195 ($98–$390) |
View all 9 services
Frequently Asked Questions About Pen Mar
What is the population of Pen Mar?
Pen Mar has a population of 1,338 residents and is located in Pennsylvania. The population density is 1,808 people per square mile, spread across 0.7 square miles. The median age of residents is 35.3 years, which is younger than the national median of 38.9 years. The population is 63.6% female and 36.4% male.
Is Pen Mar expensive to live in?
Pen Mar has a cost of living roughly in line with the national average, with an index of 97.6 (baseline: 100). The median household income is $117,010, 56% above the national average of $75,149. The median home value is $264,100 (6% below the U.S. median). The home price-to-income ratio is 2.3x, indicating housing is reasonably affordable relative to local income levels.
Is Pen Mar safe?
Pen Mar is safer than the national average, with a violent crime rate of 298 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 2,791 per 100,000 (above the national average). Overall, Pen Mar receives a safety grade of F based on combined crime data.
What is the weather like in Pen Mar?
Pen Mar has a four-season climate with an average annual temperature of 52°F (11°C). Winter temperatures average 30°F in January, while summers reach an average of 74°F in July. The area receives 297 sunny days per year, well above the national average of 205. Air quality is rated Good with a median Air Quality Index (AQI) of 40.
How is the job market in Pen Mar?
Pen Mar has a healthy job market with an unemployment rate of 3.2%, near the national average of 3.6%. The average weekly wage is $1,068. There are 3,466 business establishments in the area, including 288 restaurants and food service locations. The average commute time is 30 minutes, and 17.1% of workers work from home.
How much does housing cost in Pen Mar?
The median home value in Pen Mar is $264,100. Zillow estimates the typical home value at $269,344. The homeownership rate is 96.0%. The average annual property tax is $4,983.
How are the schools in Pen Mar?
Schools in Pen Mar score 5.9 out of 10 on standardized testing, near the national average. 30.4% of adults in Pen Mar hold a bachelor's degree or higher, below the national average of 33.7%. 86.6% have completed high school. 11.6% hold a graduate or professional degree.
How healthy is Pen Mar?
The obesity rate in Pen Mar is 43.8% (above the national rate of 32.1%). 73.4% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,628.
What is transportation like in Pen Mar?
The average commute in Pen Mar is 30 minutes. 70.7% of workers drive alone to work, and 17.1% work from home.
What are the demographics of Pen Mar?
The racial and ethnic makeup of Pen Mar is 84.1% White, 3.1% Black or African American. 100% of residents speak only English at home. 15.9% of the population are military veterans. 8.2% of residents have a disability. 91.8% have health insurance coverage.