Hamilton County, New York: commercial real estate data.
Hamilton County, New York has a population of 5,089 across 1,717 square miles, down 0.3 percent since the 2020 census base. County output reached $297.4 m in 2024, 188 establishments operate here, and the SBA record carries 5 7(a) approvals worth $769,300.
122 sourced county values · tier FULL · 12 sections
Hamilton County
How many people live in Hamilton County
- Population5,089
- Households2,423
- Average household size2.10
- Median household income$68,835
- Median age58.1
- Median gross rent$912 per month
- Median owner-occupied home value$260,200
- Home value to household income3.8 times
- Annual rent as a share of median income15.9 percent
- Adults 25 and over with a bachelor degree or higher33.2 percent
- Adults 25 and over with a graduate degree15.9 percent
- Adults 25 and over4,184
- Population under 18615
- Share under 1812.1 percent
- Population 65 and over1,718
- Share 65 and over33.8 percent
- Working age population, 18 to 642,756
- Civilian labor force2,249
- Unemployment rate4.4 percent
- Labor force participation, adults 18 and over50.3 percent
- Rank by population among New York counties62nd of 62
- Rank by population among US county-equivalents2891st
Hamilton County is the 62nd largest of 62 New York counties by population. A median home costs 3.8 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 33.8 percent against 12.1 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.
Hamilton County
Is Hamilton County growing
- Population change since the 2020 census base-0.26 percent
- Census 2020 base population5,095
- Births, 202424
- Deaths, 202472
- Natural change, 2024-48
- Net domestic migration, 202460
- Net international migration, 2024-1
- Total net migration, 202459
- Cumulative net domestic migration, 2021 to 2024215
- Rank by growth among US county-equivalents1947th
The county has lost 0.26 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.
Hamilton County
Where people moving to Hamilton County come from
- Tax returns filed by households arriving158
- People arriving, from those returns269
- Adjusted gross income arriving$16.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$106,424
- Largest single originHamilton County Non-migrants (2,095 households)
- Largest single destination (2,095 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Hamilton County Non-migrants | 2,095 | 3,771 | $151.0 m |
| Other flows - Same State | 126 | 215 | $13.5 m |
| Other flows - Different State | 32 | 54 | $3.3 m |
| Other flows - Northeast | 32 | 54 | $3.3 m |
The largest single source of arrivals is Hamilton 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.
Hamilton County
What the Hamilton County economy runs on
- County GDP, 2024$297.4 m
- County GDP, 2023$293.5 m
- GDP change, 2023 to 20241.3 percent
- GDP change over five years17.8 percent
- Rank by GDP among New York counties62nd
- Rank by GDP among US county-equivalents2704th
- GDP per resident$58,440
Output grew 1.3 percent in the latest year and 17.8 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.
Hamilton County
Who employs people in Hamilton County
- Covered employment, annual average1,634
- Establishments reporting230
- Average annual pay$49,916
- Average weekly wage$960
- Sector 72, employment300
- Sector 72, average annual pay$32,279
- Sector 44-45, employment187
- Sector 44-45, average annual pay$35,983
- Sector 71, employment136
- Sector 71, average annual pay$38,499
- Sector 23, employment90
- Sector 23, average annual pay$42,015
- Sector 48-49, employment45
- Sector 56, employment29
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 72 | 300 | 49 | $32,279 |
| Sector 44-45 | 187 | 24 | $35,983 |
| Sector 71 | 136 | 17 | $38,499 |
| Sector 23 | 90 | 23 | $42,015 |
| Sector 48-49 | 45 | 5 | $25,852 |
| Sector 56 | 29 | 7 | $72,761 |
| Sector 11 | 20 | 7 | $48,134 |
| Sector 81 | 18 | 5 | $23,634 |
The largest sector is the biggest private employer group at 300 jobs, 18.4 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.
Hamilton County
What businesses operate in Hamilton County
- Establishments, all industries188
- Employment at those establishments936
- Annual payroll$43.2 m
- Establishments per 1,000 residents36.9
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.
Hamilton County
What is being built in Hamilton County
- Housing units authorised by permit, 202441
- Declared construction value permitted$17.5 m
- Single family units authorised41
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$426,920
- Units authorised per 1,000 households16.9
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Hamilton County
How much SBA lending happens in Hamilton County
- 7(a) approvals recorded5
- 7(a) gross approval dollars$769,300
- Average 7(a) approval$153,860
- Median 7(a) approval$150,000
- 10th percentile approval$10,300
- 90th percentile approval$300,000
- Largest single approval$300,000
- Jobs reported supported, 7(a)8
- Jobs per approval1.6
- Distinct 7(a) lenders active4
- Distinct industries receiving approvals4
- Median 7(a) term180 months
- Share of loans on real estate terms, 240 months or longer0.0 percent
- Loans on real estate terms0
- Loans on working capital terms, 120 months or shorter2
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countLimited-Service Restaurants (2)
- Most active lenderCommunity Bank, National Association (2)
- 504 approvals recorded4
- 504 gross approval dollars$1.8 m
- Average 504 approval$452,500
- Median 504 approval$442,000
- Distinct CDCs active1
- 504 jobs per approval4.0
- 504 jobs per million dollars approved8.8
- Most active CDCEmpire State Certified Development Corporation (4)
- 7(a) share of SBA approvals55.6 percent
- Combined SBA approval dollars$2.6 m
The average approval of $153,860 sits close to the median of $150,000, so lending here is fairly evenly sized rather than driven by a few large deals. Only 0.0 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.
Hamilton County
Do SBA loans in Hamilton County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Exempt from disclosure4
- Status: Paid in full1
Too few loans have reached a final outcome to publish a charge off rate. only 1 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.
Hamilton County
Which parts of Hamilton County get the lending
- Places in the county with recorded lending4
- INLET, approvals2
- SPECULATOR, approvals1
- Indian Lake, approvals1
- Wells, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| INLET | 2 | $275,000 |
| SPECULATOR | 1 | $300,000 |
| Indian Lake | 1 | $184,000 |
| Wells | 1 | $10,300 |
INLET accounts for 2 approvals against 1 in SPECULATOR. 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.
Hamilton County
How big is Hamilton County
- Land area1,717 sq mi
- Rank by land area among New York counties3rd of 62
- Width, east to west41.1 mi
- Height, north to south62.1 mi
- Geographies sharing a boundary7
- Residents per square mile of land3
- Establishments per square mile0.11
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.
Hamilton County
What hazards affect Hamilton County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book10
- Of those, participating in the NFIP10
- 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 Hamilton 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 Hamilton County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population5,089
- Households2,423
- Average household size2.10
- Median household income$68,835
- Median age58.1
Common questions
Hamilton County questions, answered from the record.
How many people live in Hamilton County, New York?
5,089, in 2,423 households, ranking 62nd of 62 New York counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Hamilton County growing?
The population has fallen 0.26 percent since the 2020 census base. In 2024 there were 24 births against 72 deaths, with net migration of 59. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Hamilton County?
$68,835. The median owner-occupied home is valued at $260,200, which is 3.8 times income, and median gross rent is $912 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Hamilton County?
188 establishments, employing 936 people with an annual payroll of $43.2 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 Hamilton County?
Average annual pay is $49,916, or $960 a week, across 1,634 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Hamilton County?
5 7(a) approvals totalling $769,300 since FY2020, across 4 lenders, with a median approval of $150,000, plus 4 504 approvals worth $1.8 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Hamilton County?
41 housing units were authorised by permit in 2024, with a declared construction value of $17.5 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Hamilton 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 Hamilton County come from?
The largest single origin is Hamilton County Non-migrants, with 2,095 households. Arriving households report an average income of $106,424 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 Hamilton 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 Hamilton 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.