HomeNew YorkCattaraugus County
Cattaraugus County, New York: commercial real estate data.
Cattaraugus County, New York has a population of 76,145 across 1,308 square miles, down 2.0 percent since the 2020 census base. County output reached $3.92 bn in 2024, 1,501 establishments operate here, and the SBA record carries 99 7(a) approvals worth $12.2 m.
128 sourced county values · tier FULL · 12 sections
Cattaraugus County
How many people live in Cattaraugus County
- Population76,145
- Households31,895
- Average household size2.39
- Median household income$59,540
- Median age42.8
- Median gross rent$770 per month
- Median owner-occupied home value$113,100
- Home value to household income1.9 times
- Annual rent as a share of median income15.5 percent
- Adults 25 and over with a bachelor degree or higher21.1 percent
- Adults 25 and over with a graduate degree9.8 percent
- Adults 25 and over52,793
- Population under 1816,645
- Share under 1821.9 percent
- Population 65 and over15,843
- Share 65 and over20.8 percent
- Working age population, 18 to 6443,657
- Civilian labor force33,953
- Unemployment rate5.0 percent
- Labor force participation, adults 18 and over57.1 percent
- Rank by population among New York counties35th of 62
- Rank by population among US county-equivalents748th
Cattaraugus County is the 35th largest of 62 New York counties by population. A median home costs 1.9 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 21.9 percent against 20.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Cattaraugus County
Is Cattaraugus County growing
- Population change since the 2020 census base-2.03 percent
- Census 2020 base population77,042
- Births, 2024786
- Deaths, 20241,046
- Natural change, 2024-260
- Net domestic migration, 2024-42
- Net international migration, 202497
- Total net migration, 202455
- Cumulative net domestic migration, 2021 to 2024-591
- Rank by growth among US county-equivalents2504th
The county has lost 2.03 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.
Cattaraugus County
Where people moving to Cattaraugus County come from
- Tax returns filed by households arriving1,389
- People arriving, from those returns2,364
- Adjusted gross income arriving$84.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$61,062
- Largest single originCattaraugus County Non-migrants (28,065 households)
- Largest single destination (28,065 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Cattaraugus County Non-migrants | 28,065 | 54,577 | $1.75 bn |
| Other flows - Different State | 420 | 759 | $25.7 m |
| Erie County | 400 | 656 | $34.6 m |
| Other flows - South | 187 | 359 | $9.4 m |
| Chautauqua County | 141 | 248 | $6.1 m |
| Allegany County | 126 | 200 | $5.0 m |
| Other flows - Same State | 100 | 181 | $4.8 m |
| Other flows - Northeast | 93 | 146 | $7.8 m |
The largest single source of arrivals is Cattaraugus 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.
Cattaraugus County
What the Cattaraugus County economy runs on
- County GDP, 2024$3.92 bn
- County GDP, 2023$3.73 bn
- GDP change, 2023 to 20245.2 percent
- GDP change over five years35.1 percent
- Rank by GDP among New York counties37th
- Rank by GDP among US county-equivalents820th
- GDP per resident$51,464
Output grew 5.2 percent in the latest year and 35.1 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.
Cattaraugus County
Who employs people in Cattaraugus County
- Covered employment, annual average27,671
- Establishments reporting1,778
- Average annual pay$54,047
- Average weekly wage$1,039
- Sector 44-45, employment3,381
- Sector 44-45, average annual pay$37,572
- Sector 72, employment2,797
- Sector 72, average annual pay$25,443
- Sector 31-33, employment2,514
- Sector 31-33, average annual pay$78,337
- Sector 56, employment1,081
- Sector 56, average annual pay$79,037
- Sector 81, employment847
- Sector 23, employment758
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 3,381 | 274 | $37,572 |
| Sector 72 | 2,797 | 181 | $25,443 |
| Sector 31-33 | 2,514 | 72 | $78,337 |
| Sector 56 | 1,081 | 80 | $79,037 |
| Sector 81 | 847 | 157 | $35,402 |
| Sector 23 | 758 | 129 | $73,047 |
| Sector 52 | 679 | 68 | $65,120 |
| Sector 54 | 413 | 100 | $66,429 |
The largest sector is the biggest private employer group at 3,381 jobs, 12.2 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.
Cattaraugus County
What businesses operate in Cattaraugus County
- Establishments, all industries1,501
- Employment at those establishments19,887
- Annual payroll$926.3 m
- Establishments per 1,000 residents19.7
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.
Cattaraugus County
What is being built in Cattaraugus County
- Housing units authorised by permit, 2024100
- Declared construction value permitted$25.9 m
- Single family units authorised96
- Multifamily units authorised4
- Multifamily share of units4.0 percent
- Average declared value per unit$258,950
- Units authorised per 1,000 households3.1
Multifamily is 4.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Cattaraugus County
How much SBA lending happens in Cattaraugus County
- 7(a) approvals recorded99
- 7(a) gross approval dollars$12.2 m
- Average 7(a) approval$123,101
- Median 7(a) approval$35,000
- 10th percentile approval$10,000
- 90th percentile approval$389,800
- Largest single approval$1,250,000
- Jobs reported supported, 7(a)592
- Jobs per approval6.0
- Distinct 7(a) lenders active13
- Distinct industries receiving approvals61
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer6.1 percent
- Loans on real estate terms6
- Loans on working capital terms, 120 months or shorter90
- Franchise loans3
- Franchise share of approvals3.0 percent
- Leading industry by approval countFull-Service Restaurants (6)
- Most active lenderManufacturers and Traders Trust Company (35)
- 504 approvals recorded2
- 504 gross approval dollars$215,000
- Average 504 approval$107,500
- Median 504 approval$127,000
- Distinct CDCs active1
- 504 jobs per approval2.5
- 504 jobs per million dollars approved23.3
- Most active CDCEmpire State Certified Development Corporation (2)
- 7(a) share of SBA approvals98.0 percent
- Combined SBA approval dollars$12.4 m
The average approval of $123,101 sits well above the median of $35,000, 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 6.1 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.
Cattaraugus County
Do SBA loans in Cattaraugus County get paid back
- Loans with a final outcome recorded22
- Paid in full19
- Charged off3
- Charge off rate on resolved loans13.6 percent
- Status: Paid in full19
- Status: Exempt from disclosure61
- Status: Cancelled7
- Status: Committed, not yet disbursed9
- Status: Charged off3
Of the 22 loans that have reached a final outcome, 13.6 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.
Cattaraugus County
Which parts of Cattaraugus County get the lending
- Places in the county with recorded lending22
- Olean, approvals28
- Great Valley, approvals8
- SALAMANCA, approvals8
- Ellicottville, approvals8
- Franklinville, approvals7
- RANDOLPH, approvals5
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Olean | 28 | $1,574,600 |
| Great Valley | 8 | $452,600 |
| SALAMANCA | 8 | $1,520,000 |
| Ellicottville | 8 | $1,210,000 |
| Franklinville | 7 | $813,000 |
| RANDOLPH | 5 | $1,594,600 |
| DELEVAN | 5 | $372,900 |
| Allegany | 4 | $1,880,100 |
Olean accounts for 28 approvals against 8 in Great Valley. 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.
Cattaraugus County
How big is Cattaraugus County
- Land area1,308 sq mi
- Rank by land area among New York counties8th of 62
- Width, east to west38.6 mi
- Height, north to south37.3 mi
- Geographies sharing a boundary4
- Residents per square mile of land58
- Establishments per square mile1.15
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.
Cattaraugus County
What hazards affect Cattaraugus County
- EPA radon zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
- Communities in the NFIP Community Status Book47
- Of those, participating in the NFIP46
- NFIP participation rate97.9 percent
- Communities carrying a CRS class0
The EPA places the county in radon zone 1, a predicted average indoor radon screening level greater than 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 Cattaraugus 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 Cattaraugus County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population76,145
- Households31,895
- Average household size2.39
- Median household income$59,540
- Median age42.8
Common questions
Cattaraugus County questions, answered from the record.
How many people live in Cattaraugus County, New York?
76,145, in 31,895 households, ranking 35th of 62 New York counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Cattaraugus County growing?
The population has fallen 2.03 percent since the 2020 census base. In 2024 there were 786 births against 1,046 deaths, with net migration of 55. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Cattaraugus County?
$59,540. The median owner-occupied home is valued at $113,100, which is 1.9 times income, and median gross rent is $770 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Cattaraugus County?
1,501 establishments, employing 19,887 people with an annual payroll of $926.3 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Cattaraugus County?
Average annual pay is $54,047, or $1,039 a week, across 27,671 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Cattaraugus County?
99 7(a) approvals totalling $12.2 m since FY2020, across 13 lenders, with a median approval of $35,000, plus 2 504 approvals worth $215,000. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Cattaraugus County get paid back?
Of the 22 loans that have reached a final outcome, 19 were paid in full and 3 charged off, a charge off rate of 13.6 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Cattaraugus County?
100 housing units were authorised by permit in 2024, with a declared construction value of $25.9 m. Multifamily was 4.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Cattaraugus County?
Zone 1, a predicted average indoor radon screening level greater than 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 Cattaraugus County come from?
The largest single origin is Cattaraugus County Non-migrants, with 28,065 households. Arriving households report an average income of $61,062 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 Cattaraugus 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 Cattaraugus 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.