Chenango County, New York: commercial real estate data.
Chenango County, New York has a population of 46,321 across 894 square miles, down 3.1 percent since the 2020 census base. County output reached $3.07 bn in 2024, 857 establishments operate here, and the SBA record carries 20 7(a) approvals worth $2.7 m.
125 sourced county values · tier FULL · 12 sections
Chenango County
How many people live in Chenango County
- Population46,321
- Households19,890
- Average household size2.33
- Median household income$62,948
- Median age45.0
- Median gross rent$875 per month
- Median owner-occupied home value$137,900
- Home value to household income2.2 times
- Annual rent as a share of median income16.7 percent
- Adults 25 and over with a bachelor degree or higher19.6 percent
- Adults 25 and over with a graduate degree8.6 percent
- Adults 25 and over33,596
- Population under 189,569
- Share under 1820.7 percent
- Population 65 and over10,347
- Share 65 and over22.3 percent
- Working age population, 18 to 6426,405
- Civilian labor force22,057
- Unemployment rate6.4 percent
- Labor force participation, adults 18 and over60.0 percent
- Rank by population among New York counties51st of 62
- Rank by population among US county-equivalents1069th
Chenango County is the 51st largest of 62 New York counties by population. A median home costs 2.2 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 22.3 percent against 20.7 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.
Chenango County
Is Chenango County growing
- Population change since the 2020 census base-3.08 percent
- Census 2020 base population47,229
- Births, 2024464
- Deaths, 2024665
- Natural change, 2024-201
- Net domestic migration, 202486
- Net international migration, 202418
- Total net migration, 2024104
- Cumulative net domestic migration, 2021 to 2024-441
- Rank by growth among US county-equivalents2757th
The county has lost 3.08 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.
Chenango County
Where people moving to Chenango County come from
- Tax returns filed by households arriving1,069
- People arriving, from those returns1,782
- Adjusted gross income arriving$53.6 m
- Net adjusted gross income movement$0
- Average income of an arriving household$50,145
- Largest single originChenango County Non-migrants (18,427 households)
- Largest single destination (18,427 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Chenango County Non-migrants | 18,427 | 35,639 | $1.10 bn |
| Other flows - Different State | 310 | 545 | $16.8 m |
| Other flows - Same State | 187 | 285 | $11.0 m |
| Broome County | 154 | 262 | $7.3 m |
| Other flows - South | 136 | 240 | $7.9 m |
| Otsego County | 119 | 199 | $5.4 m |
| Other flows - Northeast | 103 | 184 | $5.7 m |
| Delaware County | 86 | 129 | $3.4 m |
The largest single source of arrivals is Chenango 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.
Chenango County
What the Chenango County economy runs on
- County GDP, 2024$3.07 bn
- County GDP, 2023$2.84 bn
- GDP change, 2023 to 20248.2 percent
- GDP change over five years31.7 percent
- Rank by GDP among New York counties45th
- Rank by GDP among US county-equivalents963rd
- GDP per resident$66,199
Output grew 8.2 percent in the latest year and 31.7 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.
Chenango County
Who employs people in Chenango County
- Covered employment, annual average17,279
- Establishments reporting1,040
- Average annual pay$64,170
- Average weekly wage$1,234
- Sector 31-33, employment5,391
- Sector 31-33, average annual pay$84,988
- Sector 44-45, employment1,799
- Sector 44-45, average annual pay$36,106
- Sector 62, employment1,473
- Sector 62, average annual pay$55,281
- Sector 52, employment1,024
- Sector 52, average annual pay$82,071
- Sector 72, employment911
- Sector 23, employment481
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 5,391 | 57 | $84,988 |
| Sector 44-45 | 1,799 | 148 | $36,106 |
| Sector 62 | 1,473 | 104 | $55,281 |
| Sector 52 | 1,024 | 40 | $82,071 |
| Sector 72 | 911 | 90 | $23,423 |
| Sector 23 | 481 | 81 | $61,171 |
| Sector 56 | 423 | 27 | $40,807 |
| Sector 81 | 388 | 88 | $30,129 |
The largest sector is the biggest private employer group at 5,391 jobs, 31.2 percent of covered employment. Average pay per job exceeds median household income, which usually means single earner households and a wage base that can carry rent.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Chenango County
What businesses operate in Chenango County
- Establishments, all industries857
- Employment at those establishments13,783
- Annual payroll$736.2 m
- Establishments per 1,000 residents18.5
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.
Chenango County
What is being built in Chenango County
- Housing units authorised by permit, 2024150
- Declared construction value permitted$9.4 m
- Single family units authorised54
- Multifamily units authorised96
- Multifamily share of units64.0 percent
- Average declared value per unit$62,759
- Units authorised per 1,000 households7.5
Multifamily is 64.0 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Chenango County
How much SBA lending happens in Chenango County
- 7(a) approvals recorded20
- 7(a) gross approval dollars$2.7 m
- Average 7(a) approval$137,150
- Median 7(a) approval$72,000
- 10th percentile approval$20,000
- 90th percentile approval$500,000
- Largest single approval$680,000
- Jobs reported supported, 7(a)79
- Jobs per approval4.0
- Distinct 7(a) lenders active8
- Distinct industries receiving approvals15
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer10.0 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter18
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countGeneral Freight Trucking, Long-Distance, Truckload (2)
- Most active lenderNBT Bank, National Association (7)
- 504 approvals recorded6
- 504 gross approval dollars$1.4 m
- Average 504 approval$235,667
- Median 504 approval$239,000
- Distinct CDCs active1
- 504 jobs per approval1.0
- 504 jobs per million dollars approved4.2
- Most active CDCEmpire State Certified Development Corporation (6)
- 7(a) share of SBA approvals76.9 percent
- Combined SBA approval dollars$4.2 m
The average approval of $137,150 sits well above the median of $72,000, 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 10.0 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.
Chenango County
Do SBA loans in Chenango County get paid back
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Exempt from disclosure14
- Status: Paid in full3
- Status: Cancelled3
Too few loans have reached a final outcome to publish a charge off rate. only 3 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.
Chenango County
Which parts of Chenango County get the lending
- Places in the county with recorded lending10
- NORWICH, approvals5
- Greene, approvals3
- Bainbridge, approvals2
- SMYRNA, approvals2
- CHENANGO FORKS, approvals2
- NEW BERLIN, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| NORWICH | 5 | $1,081,300 |
| Greene | 3 | $588,700 |
| Bainbridge | 2 | $556,700 |
| SMYRNA | 2 | $46,600 |
| CHENANGO FORKS | 2 | $40,000 |
| NEW BERLIN | 2 | $38,000 |
| OXFORD | 1 | $250,000 |
| SHERBURNE | 1 | $30,000 |
NORWICH accounts for 5 approvals against 3 in Greene. 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.
Chenango County
How big is Chenango County
- Land area894 sq mi
- Rank by land area among New York counties21st of 62
- Width, east to west30.4 mi
- Height, north to south37.9 mi
- Geographies sharing a boundary5
- Residents per square mile of land52
- Establishments per square mile0.96
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.
Chenango County
What hazards affect Chenango County
- EPA radon zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
- Communities in the NFIP Community Status Book30
- Of those, participating in the NFIP30
- NFIP participation rate100.0 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 Chenango 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 Chenango County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population46,321
- Households19,890
- Average household size2.33
- Median household income$62,948
- Median age45.0
Common questions
Chenango County questions, answered from the record.
How many people live in Chenango County, New York?
46,321, in 19,890 households, ranking 51st of 62 New York counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Chenango County growing?
The population has fallen 3.08 percent since the 2020 census base. In 2024 there were 464 births against 665 deaths, with net migration of 104. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Chenango County?
$62,948. The median owner-occupied home is valued at $137,900, which is 2.2 times income, and median gross rent is $875 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Chenango County?
857 establishments, employing 13,783 people with an annual payroll of $736.2 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 Chenango County?
Average annual pay is $64,170, or $1,234 a week, across 17,279 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Chenango County?
20 7(a) approvals totalling $2.7 m since FY2020, across 8 lenders, with a median approval of $72,000, plus 6 504 approvals worth $1.4 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Chenango County?
150 housing units were authorised by permit in 2024, with a declared construction value of $9.4 m. Multifamily was 64.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Chenango 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 Chenango County come from?
The largest single origin is Chenango County Non-migrants, with 18,427 households. Arriving households report an average income of $50,145 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 Chenango 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 Chenango 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.