Essex County, New York: commercial real estate data.
Essex County, New York has a population of 36,973 across 1,794 square miles, down 1.7 percent since the 2020 census base. County output reached $2.34 bn in 2024, 1,186 establishments operate here, and the SBA record carries 38 7(a) approvals worth $27.6 m.
126 sourced county values · tier FULL · 12 sections
Essex County
How many people live in Essex County
- Population36,973
- Households16,342
- Average household size2.26
- Median household income$71,661
- Median age49.9
- Median gross rent$934 per month
- Median owner-occupied home value$211,900
- Home value to household income3.0 times
- Annual rent as a share of median income15.6 percent
- Adults 25 and over with a bachelor degree or higher32.8 percent
- Adults 25 and over with a graduate degree14.7 percent
- Adults 25 and over29,098
- Population under 185,703
- Share under 1815.4 percent
- Population 65 and over9,757
- Share 65 and over26.4 percent
- Working age population, 18 to 6421,513
- Civilian labor force17,740
- Unemployment rate4.0 percent
- Labor force participation, adults 18 and over56.7 percent
- Rank by population among New York counties56th of 62
- Rank by population among US county-equivalents1285th
Essex County is the 56th largest of 62 New York counties by population. A median home costs 3.0 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 15.4 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.
Essex County
Is Essex County growing
- Population change since the 2020 census base-1.70 percent
- Census 2020 base population37,379
- Births, 2024255
- Deaths, 2024514
- Natural change, 2024-259
- Net domestic migration, 2024104
- Net international migration, 2024105
- Total net migration, 2024209
- Cumulative net domestic migration, 2021 to 2024151
- Rank by growth among US county-equivalents2422nd
The county has lost 1.70 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.
Essex County
Where people moving to Essex County come from
- Tax returns filed by households arriving953
- People arriving, from those returns1,502
- Adjusted gross income arriving$72.2 m
- Net adjusted gross income movement$0
- Average income of an arriving household$75,807
- Largest single originEssex County Non-migrants (14,627 households)
- Largest single destination (14,627 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Essex County Non-migrants | 14,627 | 27,011 | $1.08 bn |
| Other flows - Different State | 349 | 582 | $30.8 m |
| Other flows - Same State | 232 | 348 | $21.6 m |
| Other flows - Northeast | 163 | 260 | $16.1 m |
| Clinton County | 141 | 207 | $6.6 m |
| Other flows - South | 122 | 216 | $9.7 m |
| Franklin County | 96 | 142 | $4.6 m |
| Other flows - West | 64 | 106 | $5.0 m |
The largest single source of arrivals is Essex 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.
Essex County
What the Essex County economy runs on
- County GDP, 2024$2.34 bn
- County GDP, 2023$2.16 bn
- GDP change, 2023 to 20248.0 percent
- GDP change over five years35.8 percent
- Rank by GDP among New York counties53rd
- Rank by GDP among US county-equivalents1157th
- GDP per resident$63,164
Output grew 8.0 percent in the latest year and 35.8 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.
Essex County
Who employs people in Essex County
- Covered employment, annual average14,768
- Establishments reporting1,334
- Average annual pay$58,601
- Average weekly wage$1,127
- Sector 72, employment2,535
- Sector 72, average annual pay$36,365
- Sector 44-45, employment1,745
- Sector 44-45, average annual pay$36,886
- Sector 62, employment1,740
- Sector 62, average annual pay$54,827
- Sector 23, employment1,030
- Sector 23, average annual pay$101,726
- Sector 31-33, employment879
- Sector 81, employment473
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 72 | 2,535 | 187 | $36,365 |
| Sector 44-45 | 1,745 | 171 | $36,886 |
| Sector 62 | 1,740 | 105 | $54,827 |
| Sector 23 | 1,030 | 152 | $101,726 |
| Sector 31-33 | 879 | 30 | $84,890 |
| Sector 81 | 473 | 109 | $45,522 |
| Sector 71 | 465 | 56 | $41,141 |
| Sector 54 | 293 | 88 | $89,230 |
The largest sector is the biggest private employer group at 2,535 jobs, 17.2 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.
Essex County
What businesses operate in Essex County
- Establishments, all industries1,186
- Employment at those establishments10,192
- Annual payroll$597.0 m
- Establishments per 1,000 residents32.1
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.
Essex County
What is being built in Essex County
- Housing units authorised by permit, 2024153
- Declared construction value permitted$54.7 m
- Single family units authorised150
- Multifamily units authorised3
- Multifamily share of units2.0 percent
- Average declared value per unit$357,461
- Units authorised per 1,000 households9.4
Multifamily is 2.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Essex County
How much SBA lending happens in Essex County
- 7(a) approvals recorded38
- 7(a) gross approval dollars$27.6 m
- Average 7(a) approval$727,445
- Median 7(a) approval$250,000
- 10th percentile approval$25,000
- 90th percentile approval$2,280,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)277
- Jobs per approval7.3
- Distinct 7(a) lenders active19
- Distinct industries receiving approvals23
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer28.9 percent
- Loans on real estate terms11
- Loans on working capital terms, 120 months or shorter25
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (7)
- Most active lenderArrow Bank National Association (7)
- 504 approvals recorded22
- 504 gross approval dollars$12.2 m
- Average 504 approval$555,091
- Median 504 approval$420,000
- Distinct CDCs active1
- 504 jobs per approval2.9
- 504 jobs per million dollars approved5.2
- Most active CDCEmpire State Certified Development Corporation (22)
- 7(a) share of SBA approvals63.3 percent
- Combined SBA approval dollars$39.9 m
The average approval of $727,445 sits well above the median of $250,000, 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 28.9 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.
Essex County
Do SBA loans in Essex County get paid back
- Loans with a final outcome recorded5
- Paid in full5
- Charged off0
- Status: Exempt from disclosure26
- Status: Paid in full5
- Status: Committed, not yet disbursed4
- Status: Cancelled3
Too few loans have reached a final outcome to publish a charge off rate. only 5 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.
Essex County
Which parts of Essex County get the lending
- Places in the county with recorded lending10
- Lake Placid, approvals9
- Ticonderoga, approvals8
- Schroon Lake, approvals7
- WILMINGTON, approvals6
- NORTH HUDSON, approvals2
- ESSEX, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Lake Placid | 9 | $5,812,500 |
| Ticonderoga | 8 | $6,558,900 |
| Schroon Lake | 7 | $445,000 |
| WILMINGTON | 6 | $11,060,000 |
| NORTH HUDSON | 2 | $678,500 |
| ESSEX | 2 | $40,000 |
| Westport | 1 | $20,000 |
| ELIZABETHTOWN | 1 | $1,150,000 |
Lake Placid accounts for 9 approvals against 8 in Ticonderoga. 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.
Essex County
How big is Essex County
- Land area1,794 sq mi
- Rank by land area among New York counties2nd of 62
- Width, east to west51.8 mi
- Height, north to south55.4 mi
- Geographies sharing a boundary5
- Residents per square mile of land21
- Establishments per square mile0.66
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.
Essex County
What hazards affect Essex County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book21
- Of those, participating in the NFIP21
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
The EPA places the county in radon zone 3, a predicted average indoor radon screening level less than 2 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 Essex 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 Essex County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population36,973
- Households16,342
- Average household size2.26
- Median household income$71,661
- Median age49.9
Common questions
Essex County questions, answered from the record.
How many people live in Essex County, New York?
36,973, in 16,342 households, ranking 56th of 62 New York counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Essex County growing?
The population has fallen 1.70 percent since the 2020 census base. In 2024 there were 255 births against 514 deaths, with net migration of 209. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Essex County?
$71,661. The median owner-occupied home is valued at $211,900, which is 3.0 times income, and median gross rent is $934 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Essex County?
1,186 establishments, employing 10,192 people with an annual payroll of $597.0 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 Essex County?
Average annual pay is $58,601, or $1,127 a week, across 14,768 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Essex County?
38 7(a) approvals totalling $27.6 m since FY2020, across 19 lenders, with a median approval of $250,000, plus 22 504 approvals worth $12.2 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Essex County?
153 housing units were authorised by permit in 2024, with a declared construction value of $54.7 m. Multifamily was 2.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Essex County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Essex County come from?
The largest single origin is Essex County Non-migrants, with 14,627 households. Arriving households report an average income of $75,807 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 Essex 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 Essex 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.