Onondaga County, New York: commercial real estate data.
Onondaga County, New York has a population of 471,129 across 778 square miles, down 1.4 percent since the 2020 census base. County output reached $42.50 bn in 2024, 11,166 establishments operate here, and the SBA record carries 511 7(a) approvals worth $192.7 m.
129 sourced county values · tier FULL · 12 sections
Onondaga County
How many people live in Onondaga County
- Population471,129
- Households197,760
- Average household size2.38
- Median household income$76,945
- Median age39.6
- Median gross rent$1,108 per month
- Median owner-occupied home value$200,200
- Home value to household income2.6 times
- Annual rent as a share of median income17.3 percent
- Adults 25 and over with a bachelor degree or higher39.2 percent
- Adults 25 and over with a graduate degree17.6 percent
- Adults 25 and over325,131
- Population under 1898,554
- Share under 1820.9 percent
- Population 65 and over87,986
- Share 65 and over18.7 percent
- Working age population, 18 to 64284,589
- Civilian labor force238,796
- Unemployment rate5.2 percent
- Labor force participation, adults 18 and over64.1 percent
- Rank by population among New York counties11th of 62
- Rank by population among US county-equivalents153rd
Onondaga County is the 11th largest of 62 New York counties by population. A median home costs 2.6 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 20.9 percent against 18.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Onondaga County
Is Onondaga County growing
- Population change since the 2020 census base-1.41 percent
- Census 2020 base population476,523
- Births, 20244,637
- Deaths, 20244,599
- Natural change, 202438
- Net domestic migration, 2024-2,246
- Net international migration, 20242,795
- Total net migration, 2024549
- Cumulative net domestic migration, 2021 to 2024-10,963
- Rank by growth among US county-equivalents2329th
The county has lost 1.41 percent of its population since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Onondaga County
Where people moving to Onondaga County come from
- Tax returns filed by households arriving7,639
- People arriving, from those returns11,957
- Adjusted gross income arriving$507.6 m
- Net adjusted gross income movement$0
- Average income of an arriving household$66,450
- Largest single originOnondaga County Non-migrants (186,545 households)
- Largest single destination (186,545 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Onondaga County Non-migrants | 186,545 | 354,939 | $16.18 bn |
| Other flows - Different State | 2,554 | 4,259 | $170.7 m |
| Other flows - South | 1,134 | 1,963 | $66.2 m |
| Oswego County | 793 | 1,287 | $42.1 m |
| Other flows - Northeast | 585 | 913 | $44.1 m |
| Other flows - West | 431 | 717 | $30.2 m |
| Madison County | 408 | 609 | $29.9 m |
| Other flows - Midwest | 404 | 666 | $30.2 m |
The largest single source of arrivals is Onondaga 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.
Onondaga County
What the Onondaga County economy runs on
- County GDP, 2024$42.50 bn
- County GDP, 2023$39.80 bn
- GDP change, 2023 to 20246.8 percent
- GDP change over five years26.9 percent
- Rank by GDP among New York counties11th
- Rank by GDP among US county-equivalents139th
- GDP per resident$90,209
Output grew 6.8 percent in the latest year and 26.9 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.
Onondaga County
Who employs people in Onondaga County
- Covered employment, annual average245,375
- Establishments reporting12,898
- Average annual pay$69,444
- Average weekly wage$1,335
- Sector 62, employment35,080
- Sector 62, average annual pay$63,669
- Sector 44-45, employment24,814
- Sector 44-45, average annual pay$40,683
- Sector 31-33, employment19,589
- Sector 31-33, average annual pay$86,756
- Sector 72, employment17,600
- Sector 72, average annual pay$28,085
- Sector 56, employment15,190
- Sector 48-49, employment14,646
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 35,080 | 1,234 | $63,669 |
| Sector 44-45 | 24,814 | 1,489 | $40,683 |
| Sector 31-33 | 19,589 | 457 | $86,756 |
| Sector 72 | 17,600 | 1,074 | $28,085 |
| Sector 56 | 15,190 | 822 | $59,538 |
| Sector 48-49 | 14,646 | 333 | $48,298 |
| Sector 54 | 14,069 | 1,344 | $95,609 |
| Sector 42 | 11,560 | 703 | $89,237 |
The largest sector is the biggest private employer group at 35,080 jobs, 14.3 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.
Onondaga County
What businesses operate in Onondaga County
- Establishments, all industries11,166
- Employment at those establishments223,537
- Annual payroll$13.23 bn
- Establishments per 1,000 residents23.7
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.
Onondaga County
What is being built in Onondaga County
- Housing units authorised by permit, 2024633
- Declared construction value permitted$151.3 m
- Single family units authorised323
- Multifamily units authorised310
- Multifamily share of units49.0 percent
- Average declared value per unit$239,043
- Units authorised per 1,000 households3.2
Multifamily is 49.0 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Onondaga County
How much SBA lending happens in Onondaga County
- 7(a) approvals recorded511
- 7(a) gross approval dollars$192.7 m
- Average 7(a) approval$377,196
- Median 7(a) approval$100,000
- 10th percentile approval$20,000
- 90th percentile approval$1,000,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)5,322
- Jobs per approval10.4
- Distinct 7(a) lenders active57
- Distinct industries receiving approvals181
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer6.7 percent
- Loans on real estate terms34
- Loans on working capital terms, 120 months or shorter461
- Franchise loans47
- Franchise share of approvals9.2 percent
- Leading industry by approval countFull-Service Restaurants (31)
- Most active lenderManufacturers and Traders Trust Company (232)
- 504 approvals recorded157
- 504 gross approval dollars$103.9 m
- Average 504 approval$661,860
- Median 504 approval$317,000
- Distinct CDCs active5
- 504 jobs per approval8.1
- 504 jobs per million dollars approved12.2
- Most active CDCGreater Syracuse Business Development Corporation (84)
- 7(a) share of SBA approvals76.5 percent
- Combined SBA approval dollars$296.7 m
The average approval of $377,196 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 6.7 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.
Onondaga County
Do SBA loans in Onondaga County get paid back
- Loans with a final outcome recorded103
- Paid in full97
- Charged off6
- Charge off rate on resolved loans5.8 percent
- Status: Cancelled56
- Status: Exempt from disclosure316
- Status: Paid in full97
- Status: Charged off6
- Status: Committed, not yet disbursed36
Of the 103 loans that have reached a final outcome, 5.8 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.
Onondaga County
Which parts of Onondaga County get the lending
- Places in the county with recorded lending34
- Syracuse, approvals195
- Liverpool, approvals59
- EAST SYRACUSE, approvals56
- Cicero, approvals27
- BALDWINSVILLE, approvals25
- Clay, approvals23
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Syracuse | 195 | $78,571,800 |
| Liverpool | 59 | $20,822,200 |
| EAST SYRACUSE | 56 | $33,196,500 |
| Cicero | 27 | $12,067,300 |
| BALDWINSVILLE | 25 | $13,260,100 |
| Clay | 23 | $9,824,900 |
| Skaneateles | 21 | $1,539,100 |
| MANLIUS | 18 | $4,064,500 |
Syracuse accounts for 195 approvals against 59 in Liverpool. 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.
Onondaga County
How big is Onondaga County
- Land area778 sq mi
- Rank by land area among New York counties27th of 62
- Width, east to west30.5 mi
- Height, north to south34.6 mi
- Geographies sharing a boundary4
- Residents per square mile of land606
- Establishments per square mile14.35
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.
Onondaga County
What hazards affect Onondaga County
- EPA radon zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
- Communities in the NFIP Community Status Book35
- Of those, participating in the NFIP34
- NFIP participation rate97.1 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 class2
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 Onondaga 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 Onondaga County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population471,129
- Households197,760
- Average household size2.38
- Median household income$76,945
- Median age39.6
Common questions
Onondaga County questions, answered from the record.
How many people live in Onondaga County, New York?
471,129, in 197,760 households, ranking 11th of 62 New York counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Onondaga County growing?
The population has fallen 1.41 percent since the 2020 census base. In 2024 there were 4,637 births against 4,599 deaths, with net migration of 549. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Onondaga County?
$76,945. The median owner-occupied home is valued at $200,200, which is 2.6 times income, and median gross rent is $1,108 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Onondaga County?
11,166 establishments, employing 223,537 people with an annual payroll of $13.23 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 Onondaga County?
Average annual pay is $69,444, or $1,335 a week, across 245,375 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Onondaga County?
511 7(a) approvals totalling $192.7 m since FY2020, across 57 lenders, with a median approval of $100,000, plus 157 504 approvals worth $103.9 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Onondaga County get paid back?
Of the 103 loans that have reached a final outcome, 97 were paid in full and 6 charged off, a charge off rate of 5.8 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Onondaga County?
633 housing units were authorised by permit in 2024, with a declared construction value of $151.3 m. Multifamily was 49.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Onondaga 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 Onondaga County come from?
The largest single origin is Onondaga County Non-migrants, with 186,545 households. Arriving households report an average income of $66,450 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 Onondaga 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 Onondaga 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.