Delaware County, New York: commercial real estate data.
Delaware County, New York has a population of 44,487 across 1,442 square miles, down 0.3 percent since the 2020 census base. County output reached $3.12 bn in 2024, 1,114 establishments operate here, and the SBA record carries 24 7(a) approvals worth $18.9 m.
127 sourced county values · tier FULL · 12 sections
Delaware County
How many people live in Delaware County
- Population44,487
- Households19,203
- Average household size2.32
- Median household income$63,337
- Median age48.8
- Median gross rent$880 per month
- Median owner-occupied home value$183,100
- Home value to household income2.9 times
- Annual rent as a share of median income16.7 percent
- Adults 25 and over with a bachelor degree or higher27.6 percent
- Adults 25 and over with a graduate degree12.2 percent
- Adults 25 and over33,206
- Population under 187,074
- Share under 1815.9 percent
- Population 65 and over11,747
- Share 65 and over26.4 percent
- Working age population, 18 to 6425,666
- Civilian labor force20,504
- Unemployment rate6.4 percent
- Labor force participation, adults 18 and over54.8 percent
- Rank by population among New York counties53rd of 62
- Rank by population among US county-equivalents1108th
Delaware County is the 53rd largest of 62 New York counties by population. A median home costs 2.9 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 26.4 percent against 15.9 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.
Delaware County
Is Delaware County growing
- Population change since the 2020 census base-0.27 percent
- Census 2020 base population44,310
- Births, 2024336
- Deaths, 2024722
- Natural change, 2024-386
- Net domestic migration, 202439
- Net international migration, 202423
- Total net migration, 202462
- Cumulative net domestic migration, 2021 to 20241,232
- Rank by growth among US county-equivalents1950th
The county has lost 0.27 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.
Delaware County
Where people moving to Delaware County come from
- Tax returns filed by households arriving1,181
- People arriving, from those returns1,910
- Adjusted gross income arriving$88.0 m
- Net adjusted gross income movement$0
- Average income of an arriving household$74,515
- Largest single originDelaware County Non-migrants (16,438 households)
- Largest single destination (16,438 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Delaware County Non-migrants | 16,438 | 30,661 | $1.10 bn |
| Other flows - Different State | 309 | 487 | $25.9 m |
| Otsego County | 191 | 326 | $8.0 m |
| Other flows - Same State | 172 | 264 | $12.4 m |
| Other flows - Northeast | 124 | 181 | $14.1 m |
| Other flows - South | 117 | 193 | $7.1 m |
| Kings County | 79 | 110 | $8.9 m |
| New York County | 66 | 101 | $8.8 m |
The largest single source of arrivals is Delaware 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.
Delaware County
What the Delaware County economy runs on
- County GDP, 2024$3.12 bn
- County GDP, 2023$2.89 bn
- GDP change, 2023 to 20247.8 percent
- GDP change over five years46.2 percent
- Rank by GDP among New York counties42nd
- Rank by GDP among US county-equivalents949th
- GDP per resident$70,091
Output grew 7.8 percent in the latest year and 46.2 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.
Delaware County
Who employs people in Delaware County
- Covered employment, annual average14,276
- Establishments reporting1,274
- Average annual pay$66,992
- Average weekly wage$1,288
- Sector 31-33, employment3,066
- Sector 31-33, average annual pay$106,926
- Sector 44-45, employment1,263
- Sector 44-45, average annual pay$35,578
- Sector 72, employment982
- Sector 72, average annual pay$23,845
- Sector 23, employment583
- Sector 23, average annual pay$73,663
- Sector 81, employment539
- Sector 42, employment401
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 3,066 | 49 | $106,926 |
| Sector 44-45 | 1,263 | 174 | $35,578 |
| Sector 72 | 982 | 125 | $23,845 |
| Sector 23 | 583 | 107 | $73,663 |
| Sector 81 | 539 | 109 | $38,775 |
| Sector 42 | 401 | 28 | $91,362 |
| Sector 52 | 379 | 38 | $67,583 |
| Sector 51 | 303 | 70 | $64,339 |
The largest sector is the biggest private employer group at 3,066 jobs, 21.5 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.
Delaware County
What businesses operate in Delaware County
- Establishments, all industries1,114
- Employment at those establishments12,025
- Annual payroll$787.2 m
- Establishments per 1,000 residents25.0
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.
Delaware County
What is being built in Delaware County
- Housing units authorised by permit, 202479
- Declared construction value permitted$23.7 m
- Single family units authorised79
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$300,236
- Units authorised per 1,000 households4.1
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Delaware County
How much SBA lending happens in Delaware County
- 7(a) approvals recorded24
- 7(a) gross approval dollars$18.9 m
- Average 7(a) approval$786,592
- Median 7(a) approval$210,000
- 10th percentile approval$76,500
- 90th percentile approval$3,840,000
- Largest single approval$3,870,000
- Jobs reported supported, 7(a)242
- Jobs per approval10.1
- Distinct 7(a) lenders active13
- Distinct industries receiving approvals17
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer20.8 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter17
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countSupermarkets and Other Grocery Retailers (except Convenience Retailers) (3)
- Most active lenderManufacturers and Traders Trust Company (5)
- 504 approvals recorded5
- 504 gross approval dollars$5.0 m
- Average 504 approval$998,600
- Median 504 approval$605,000
- Distinct CDCs active1
- 504 jobs per approval4.4
- 504 jobs per million dollars approved4.4
- Most active CDCEmpire State Certified Development Corporation (5)
- 7(a) share of SBA approvals82.8 percent
- Combined SBA approval dollars$23.9 m
The average approval of $786,592 sits well above the median of $210,000, 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 20.8 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.
Delaware County
Do SBA loans in Delaware County get paid back
- Loans with a final outcome recorded2
- Paid in full2
- Charged off0
- Status: Cancelled4
- Status: Paid in full2
- Status: Exempt from disclosure15
- Status: Committed, not yet disbursed3
Too few loans have reached a final outcome to publish a charge off rate. only 2 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.
Delaware County
Which parts of Delaware County get the lending
- Places in the county with recorded lending14
- WALTON, approvals5
- SIDNEY, approvals3
- FLEISCHMANNS, approvals3
- Harpersfield, approvals2
- ANDES, approvals2
- Treadwell, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| WALTON | 5 | $11,730,000 |
| SIDNEY | 3 | $343,000 |
| FLEISCHMANNS | 3 | $270,000 |
| Harpersfield | 2 | $529,200 |
| ANDES | 2 | $311,000 |
| Treadwell | 1 | $1,100,000 |
| Delancey | 1 | $100,000 |
| HOBART | 1 | $250,000 |
WALTON accounts for 5 approvals against 3 in SIDNEY. 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.
Delaware County
How big is Delaware County
- Land area1,442 sq mi
- Rank by land area among New York counties5th of 62
- Width, east to west50.2 mi
- Height, north to south46.1 mi
- Geographies sharing a boundary7
- Residents per square mile of land31
- Establishments per square mile0.77
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.
Delaware County
What hazards affect Delaware 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
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 7
- Communities carrying a CRS class5
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 7, 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 Delaware 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 Delaware County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population44,487
- Households19,203
- Average household size2.32
- Median household income$63,337
- Median age48.8
Common questions
Delaware County questions, answered from the record.
How many people live in Delaware County, New York?
44,487, in 19,203 households, ranking 53rd of 62 New York counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Delaware County growing?
The population has fallen 0.27 percent since the 2020 census base. In 2024 there were 336 births against 722 deaths, with net migration of 62. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Delaware County?
$63,337. The median owner-occupied home is valued at $183,100, which is 2.9 times income, and median gross rent is $880 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Delaware County?
1,114 establishments, employing 12,025 people with an annual payroll of $787.2 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 Delaware County?
Average annual pay is $66,992, or $1,288 a week, across 14,276 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Delaware County?
24 7(a) approvals totalling $18.9 m since FY2020, across 13 lenders, with a median approval of $210,000, plus 5 504 approvals worth $5.0 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Delaware County?
79 housing units were authorised by permit in 2024, with a declared construction value of $23.7 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Delaware 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 Delaware County come from?
The largest single origin is Delaware County Non-migrants, with 16,438 households. Arriving households report an average income of $74,515 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 Delaware 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 Delaware 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.