Dutchess County, New York: commercial real estate data.
Dutchess County, New York has a population of 298,220 across 796 square miles, up 1.0 percent since the 2020 census base. County output reached $20.30 bn in 2024, 7,677 establishments operate here, and the SBA record carries 315 7(a) approvals worth $107.3 m.
129 sourced county values · tier FULL · 12 sections
Dutchess County
How many people live in Dutchess County
- Population298,220
- Households116,275
- Average household size2.56
- Median household income$99,478
- Median age42.5
- Median gross rent$1,582 per month
- Median owner-occupied home value$400,600
- Home value to household income4.0 times
- Annual rent as a share of median income19.1 percent
- Adults 25 and over with a bachelor degree or higher41.6 percent
- Adults 25 and over with a graduate degree19.3 percent
- Adults 25 and over212,816
- Population under 1854,816
- Share under 1818.4 percent
- Population 65 and over57,052
- Share 65 and over19.1 percent
- Working age population, 18 to 64186,352
- Civilian labor force157,524
- Unemployment rate5.2 percent
- Labor force participation, adults 18 and over64.7 percent
- Rank by population among New York counties15th of 62
- Rank by population among US county-equivalents245th
Dutchess County is the 15th largest of 62 New York counties by population. A median home costs 4.0 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 19.1 percent against 18.4 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.
Dutchess County
Is Dutchess County growing
- Population change since the 2020 census base0.99 percent
- Census 2020 base population297,023
- Births, 20242,641
- Deaths, 20242,649
- Natural change, 2024-8
- Net domestic migration, 202434
- Net international migration, 20241,707
- Total net migration, 20241,741
- Cumulative net domestic migration, 2021 to 20241,186
- Rank by growth among US county-equivalents1488th
The county has grown 0.99 percent 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.
Dutchess County
Where people moving to Dutchess County come from
- Tax returns filed by households arriving7,292
- People arriving, from those returns11,879
- Adjusted gross income arriving$790.6 m
- Net adjusted gross income movement$0
- Average income of an arriving household$108,415
- Largest single originDutchess County Non-migrants (118,403 households)
- Largest single destination (118,403 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Dutchess County Non-migrants | 118,403 | 225,381 | $12.88 bn |
| Other flows - Different State | 1,510 | 2,378 | $142.3 m |
| Westchester County | 1,097 | 1,977 | $114.8 m |
| Other flows - South | 686 | 1,082 | $53.8 m |
| Ulster County | 561 | 867 | $54.5 m |
| Orange County | 516 | 807 | $35.3 m |
| Putnam County | 461 | 758 | $38.1 m |
| Bronx County | 434 | 865 | $33.7 m |
The largest single source of arrivals is Dutchess 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.
Dutchess County
What the Dutchess County economy runs on
- County GDP, 2024$20.30 bn
- County GDP, 2023$18.89 bn
- GDP change, 2023 to 20247.5 percent
- GDP change over five years37.6 percent
- Rank by GDP among New York counties15th
- Rank by GDP among US county-equivalents258th
- GDP per resident$68,077
Output grew 7.5 percent in the latest year and 37.6 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.
Dutchess County
Who employs people in Dutchess County
- Covered employment, annual average112,897
- Establishments reporting9,032
- Average annual pay$70,950
- Average weekly wage$1,364
- Sector 62, employment20,276
- Sector 62, average annual pay$74,692
- Sector 44-45, employment13,216
- Sector 44-45, average annual pay$43,600
- Sector 72, employment10,281
- Sector 72, average annual pay$30,253
- Sector 61, employment8,517
- Sector 61, average annual pay$54,389
- Sector 31-33, employment6,527
- Sector 23, employment5,701
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 20,276 | 869 | $74,692 |
| Sector 44-45 | 13,216 | 996 | $43,600 |
| Sector 72 | 10,281 | 836 | $30,253 |
| Sector 61 | 8,517 | 135 | $54,389 |
| Sector 31-33 | 6,527 | 221 | $126,514 |
| Sector 23 | 5,701 | 1,012 | $83,041 |
| Sector 56 | 5,385 | 561 | $63,587 |
| Sector 48-49 | 4,398 | 159 | $62,839 |
The largest sector is the biggest private employer group at 20,276 jobs, 18.0 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.
Dutchess County
What businesses operate in Dutchess County
- Establishments, all industries7,677
- Employment at those establishments93,728
- Annual payroll$5.45 bn
- Establishments per 1,000 residents25.7
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.
Dutchess County
What is being built in Dutchess County
- Housing units authorised by permit, 2024633
- Declared construction value permitted$231.3 m
- Single family units authorised295
- Multifamily units authorised338
- Multifamily share of units53.4 percent
- Average declared value per unit$365,411
- Units authorised per 1,000 households5.4
Multifamily is 53.4 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Dutchess County
How much SBA lending happens in Dutchess County
- 7(a) approvals recorded315
- 7(a) gross approval dollars$107.3 m
- Average 7(a) approval$340,580
- Median 7(a) approval$100,000
- 10th percentile approval$20,000
- 90th percentile approval$850,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)2,485
- Jobs per approval7.9
- Distinct 7(a) lenders active53
- Distinct industries receiving approvals144
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer10.8 percent
- Loans on real estate terms34
- Loans on working capital terms, 120 months or shorter271
- Franchise loans22
- Franchise share of approvals7.0 percent
- Leading industry by approval countFull-Service Restaurants (28)
- Most active lenderManufacturers and Traders Trust Company (110)
- 504 approvals recorded78
- 504 gross approval dollars$45.9 m
- Average 504 approval$588,064
- Median 504 approval$288,000
- Distinct CDCs active1
- 504 jobs per approval7.6
- 504 jobs per million dollars approved13.0
- Most active CDCEmpire State Certified Development Corporation (78)
- 7(a) share of SBA approvals80.2 percent
- Combined SBA approval dollars$153.2 m
The average approval of $340,580 sits well above the median of $100,000, 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 10.8 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.
Dutchess County
Do SBA loans in Dutchess County get paid back
- Loans with a final outcome recorded58
- Paid in full52
- Charged off6
- Charge off rate on resolved loans10.3 percent
- Status: Exempt from disclosure187
- Status: Paid in full52
- Status: Cancelled48
- Status: Charged off6
- Status: Committed, not yet disbursed22
Of the 58 loans that have reached a final outcome, 10.3 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.
Dutchess County
Which parts of Dutchess County get the lending
- Places in the county with recorded lending32
- POUGHKEEPSIE, approvals76
- Wappingers Falls, approvals35
- Hopewell Junction, approvals24
- FISHKILL, approvals20
- Red Hook, approvals20
- BEACON, approvals20
| Place | Approvals | Gross approval dollars |
|---|---|---|
| POUGHKEEPSIE | 76 | $28,067,100 |
| Wappingers Falls | 35 | $10,229,500 |
| Hopewell Junction | 24 | $5,226,500 |
| FISHKILL | 20 | $8,251,600 |
| Red Hook | 20 | $4,140,000 |
| BEACON | 20 | $10,163,200 |
| Lagrangeville | 16 | $5,328,600 |
| Rhinebeck | 16 | $9,465,000 |
POUGHKEEPSIE accounts for 76 approvals against 35 in Wappingers Falls. 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.
Dutchess County
How big is Dutchess County
- Land area796 sq mi
- Rank by land area among New York counties26th of 62
- Width, east to west26.5 mi
- Height, north to south44.2 mi
- Geographies sharing a boundary4
- Residents per square mile of land375
- Establishments per square mile9.64
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.
Dutchess County
What hazards affect Dutchess 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 9
- 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 9, 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 Dutchess 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 Dutchess County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population298,220
- Households116,275
- Average household size2.56
- Median household income$99,478
- Median age42.5
Common questions
Dutchess County questions, answered from the record.
How many people live in Dutchess County, New York?
298,220, in 116,275 households, ranking 15th of 62 New York counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Dutchess County growing?
The population has grown 0.99 percent since the 2020 census base. In 2024 there were 2,641 births against 2,649 deaths, with net migration of 1,741. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Dutchess County?
$99,478. The median owner-occupied home is valued at $400,600, which is 4.0 times income, and median gross rent is $1,582 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Dutchess County?
7,677 establishments, employing 93,728 people with an annual payroll of $5.45 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Dutchess County?
Average annual pay is $70,950, or $1,364 a week, across 112,897 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Dutchess County?
315 7(a) approvals totalling $107.3 m since FY2020, across 53 lenders, with a median approval of $100,000, plus 78 504 approvals worth $45.9 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Dutchess County get paid back?
Of the 58 loans that have reached a final outcome, 52 were paid in full and 6 charged off, a charge off rate of 10.3 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Dutchess County?
633 housing units were authorised by permit in 2024, with a declared construction value of $231.3 m. Multifamily was 53.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Dutchess 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 Dutchess County come from?
The largest single origin is Dutchess County Non-migrants, with 118,403 households. Arriving households report an average income of $108,415 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 Dutchess 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 Dutchess 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.