Cayuga County, New York: commercial real estate data.
Cayuga County, New York has a population of 75,102 across 692 square miles, down 2.2 percent since the 2020 census base. County output reached $4.06 bn in 2024, 1,509 establishments operate here, and the SBA record carries 47 7(a) approvals worth $12.6 m.
127 sourced county values · tier FULL · 12 sections
Cayuga County
How many people live in Cayuga County
- Population75,102
- Households31,524
- Average household size2.38
- Median household income$67,904
- Median age43.8
- Median gross rent$942 per month
- Median owner-occupied home value$171,000
- Home value to household income2.5 times
- Annual rent as a share of median income16.6 percent
- Adults 25 and over with a bachelor degree or higher24.6 percent
- Adults 25 and over with a graduate degree11.3 percent
- Adults 25 and over54,962
- Population under 1814,516
- Share under 1819.3 percent
- Population 65 and over16,029
- Share 65 and over21.3 percent
- Working age population, 18 to 6444,557
- Civilian labor force36,214
- Unemployment rate3.8 percent
- Labor force participation, adults 18 and over59.8 percent
- Rank by population among New York counties36th of 62
- Rank by population among US county-equivalents753rd
Cayuga County is the 36th largest of 62 New York counties by population. A median home costs 2.5 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 21.3 percent against 19.3 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.
Cayuga County
Is Cayuga County growing
- Population change since the 2020 census base-2.21 percent
- Census 2020 base population76,249
- Births, 2024693
- Deaths, 2024827
- Natural change, 2024-134
- Net domestic migration, 202466
- Net international migration, 202461
- Total net migration, 2024127
- Cumulative net domestic migration, 2021 to 2024-905
- Rank by growth among US county-equivalents2552nd
The county has lost 2.21 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.
Cayuga County
Where people moving to Cayuga County come from
- Tax returns filed by households arriving1,367
- People arriving, from those returns2,268
- Adjusted gross income arriving$75.1 m
- Net adjusted gross income movement$0
- Average income of an arriving household$54,917
- Largest single originCayuga County Non-migrants (29,119 households)
- Largest single destination (29,119 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Cayuga County Non-migrants | 29,119 | 55,246 | $2.23 bn |
| Other flows - Different State | 373 | 624 | $22.7 m |
| Onondaga County | 359 | 559 | $21.5 m |
| Other flows - Same State | 230 | 368 | $10.6 m |
| Other flows - South | 169 | 289 | $9.1 m |
| Tompkins County | 88 | 148 | $5.4 m |
| Other flows - West | 84 | 137 | $5.2 m |
| Other flows - Northeast | 83 | 130 | $5.9 m |
The largest single source of arrivals is Cayuga 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.
Cayuga County
What the Cayuga County economy runs on
- County GDP, 2024$4.06 bn
- County GDP, 2023$3.83 bn
- GDP change, 2023 to 20246.0 percent
- GDP change over five years32.2 percent
- Rank by GDP among New York counties36th
- Rank by GDP among US county-equivalents796th
- GDP per resident$54,094
Output grew 6.0 percent in the latest year and 32.2 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.
Cayuga County
Who employs people in Cayuga County
- Covered employment, annual average24,605
- Establishments reporting1,739
- Average annual pay$62,623
- Average weekly wage$1,204
- Sector 62, employment3,776
- Sector 62, average annual pay$62,460
- Sector 31-33, employment3,220
- Sector 31-33, average annual pay$70,567
- Sector 44-45, employment2,989
- Sector 44-45, average annual pay$36,530
- Sector 72, employment2,034
- Sector 72, average annual pay$25,897
- Sector 23, employment1,176
- Sector 42, employment841
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 3,776 | 157 | $62,460 |
| Sector 31-33 | 3,220 | 88 | $70,567 |
| Sector 44-45 | 2,989 | 186 | $36,530 |
| Sector 72 | 2,034 | 156 | $25,897 |
| Sector 23 | 1,176 | 195 | $83,576 |
| Sector 42 | 841 | 78 | $94,341 |
| Sector 81 | 733 | 150 | $36,593 |
| Sector 48-49 | 703 | 62 | $63,786 |
The largest sector is the biggest private employer group at 3,776 jobs, 15.3 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.
Cayuga County
What businesses operate in Cayuga County
- Establishments, all industries1,509
- Employment at those establishments17,820
- Annual payroll$862.7 m
- Establishments per 1,000 residents20.1
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.
Cayuga County
What is being built in Cayuga County
- Housing units authorised by permit, 2024110
- Declared construction value permitted$26.2 m
- Single family units authorised92
- Multifamily units authorised18
- Multifamily share of units16.4 percent
- Average declared value per unit$237,815
- Units authorised per 1,000 households3.5
Multifamily is 16.4 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Cayuga County
How much SBA lending happens in Cayuga County
- 7(a) approvals recorded47
- 7(a) gross approval dollars$12.6 m
- Average 7(a) approval$267,936
- Median 7(a) approval$50,000
- 10th percentile approval$10,000
- 90th percentile approval$1,304,000
- Largest single approval$1,850,000
- Jobs reported supported, 7(a)325
- Jobs per approval6.9
- Distinct 7(a) lenders active16
- Distinct industries receiving approvals31
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer21.3 percent
- Loans on real estate terms10
- Loans on working capital terms, 120 months or shorter37
- Franchise loans4
- Franchise share of approvals8.5 percent
- Leading industry by approval countFull-Service Restaurants (9)
- Most active lenderManufacturers and Traders Trust Company (14)
- 504 approvals recorded16
- 504 gross approval dollars$9.0 m
- Average 504 approval$561,438
- Median 504 approval$327,000
- Distinct CDCs active2
- 504 jobs per approval7.6
- 504 jobs per million dollars approved13.5
- Most active CDCEmpire State Certified Development Corporation (11)
- 7(a) share of SBA approvals74.6 percent
- Combined SBA approval dollars$21.6 m
The average approval of $267,936 sits well above the median of $50,000, 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 21.3 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.
Cayuga County
Do SBA loans in Cayuga County get paid back
- Loans with a final outcome recorded8
- Paid in full8
- Charged off0
- Status: Exempt from disclosure29
- Status: Paid in full8
- Status: Cancelled5
- Status: Committed, not yet disbursed5
Too few loans have reached a final outcome to publish a charge off rate. only 8 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cayuga County
Which parts of Cayuga County get the lending
- Places in the county with recorded lending8
- AUBURN, approvals31
- Weedsport, approvals5
- Moravia, approvals5
- CATO, approvals2
- JORDAN, approvals1
- Skaneateles, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| AUBURN | 31 | $6,812,500 |
| Weedsport | 5 | $3,410,500 |
| Moravia | 5 | $1,058,000 |
| CATO | 2 | $145,000 |
| JORDAN | 1 | $20,000 |
| Skaneateles | 1 | $1,092,000 |
| LOCKE | 1 | $25,000 |
| Owasco | 1 | $30,000 |
AUBURN accounts for 31 approvals against 5 in Weedsport. 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.
Cayuga County
How big is Cayuga County
- Land area692 sq mi
- Rank by land area among New York counties29th of 62
- Width, east to west23.8 mi
- Height, north to south54.9 mi
- Geographies sharing a boundary6
- Residents per square mile of land109
- Establishments per square mile2.18
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.
Cayuga County
What hazards affect Cayuga County
- EPA radon zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
- Communities in the NFIP Community Status Book33
- Of those, participating in the NFIP33
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 8
- Communities carrying a CRS class1
The EPA places the county in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. The best Community Rating System class in the county is 8, which carries a flood insurance premium discount for properties in the participating community.
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 Cayuga 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 Cayuga County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population75,102
- Households31,524
- Average household size2.38
- Median household income$67,904
- Median age43.8
Common questions
Cayuga County questions, answered from the record.
How many people live in Cayuga County, New York?
75,102, in 31,524 households, ranking 36th of 62 New York counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Cayuga County growing?
The population has fallen 2.21 percent since the 2020 census base. In 2024 there were 693 births against 827 deaths, with net migration of 127. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Cayuga County?
$67,904. The median owner-occupied home is valued at $171,000, which is 2.5 times income, and median gross rent is $942 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Cayuga County?
1,509 establishments, employing 17,820 people with an annual payroll of $862.7 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 Cayuga County?
Average annual pay is $62,623, or $1,204 a week, across 24,605 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Cayuga County?
47 7(a) approvals totalling $12.6 m since FY2020, across 16 lenders, with a median approval of $50,000, plus 16 504 approvals worth $9.0 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Cayuga County?
110 housing units were authorised by permit in 2024, with a declared construction value of $26.2 m. Multifamily was 16.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Cayuga 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 Cayuga County come from?
The largest single origin is Cayuga County Non-migrants, with 29,119 households. Arriving households report an average income of $54,917 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 Cayuga 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 Cayuga 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.