Ontario County, New York: commercial real estate data.
Ontario County, New York has a population of 112,625 across 644 square miles, up 0.5 percent since the 2020 census base. County output reached $8.92 bn in 2024, 2,895 establishments operate here, and the SBA record carries 164 7(a) approvals worth $47.6 m.
128 sourced county values · tier FULL · 12 sections
Ontario County
How many people live in Ontario County
- Population112,625
- Households48,311
- Average household size2.33
- Median household income$82,324
- Median age44.2
- Median gross rent$1,150 per month
- Median owner-occupied home value$222,900
- Home value to household income2.7 times
- Annual rent as a share of median income16.8 percent
- Adults 25 and over with a bachelor degree or higher38.0 percent
- Adults 25 and over with a graduate degree17.1 percent
- Adults 25 and over81,153
- Population under 1821,668
- Share under 1819.2 percent
- Population 65 and over24,963
- Share 65 and over22.2 percent
- Working age population, 18 to 6465,994
- Civilian labor force56,990
- Unemployment rate3.7 percent
- Labor force participation, adults 18 and over62.7 percent
- Rank by population among New York counties26th of 62
- Rank by population among US county-equivalents559th
Ontario County is the 26th largest of 62 New York counties by population. A median home costs 2.7 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 22.2 percent against 19.2 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.
Ontario County
Is Ontario County growing
- Population change since the 2020 census base0.49 percent
- Census 2020 base population112,465
- Births, 2024995
- Deaths, 20241,219
- Natural change, 2024-224
- Net domestic migration, 2024416
- Net international migration, 2024217
- Total net migration, 2024633
- Cumulative net domestic migration, 2021 to 2024899
- Rank by growth among US county-equivalents1658th
The county has grown 0.49 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.
Ontario County
Where people moving to Ontario County come from
- Tax returns filed by households arriving3,072
- People arriving, from those returns5,089
- Adjusted gross income arriving$234.1 m
- Net adjusted gross income movement$0
- Average income of an arriving household$76,192
- Largest single originOntario County Non-migrants (45,423 households)
- Largest single destination (45,423 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Ontario County Non-migrants | 45,423 | 87,303 | $4.32 bn |
| Monroe County | 966 | 1,560 | $86.4 m |
| Other flows - Different State | 808 | 1,394 | $67.2 m |
| Other flows - South | 368 | 648 | $24.9 m |
| Wayne County | 348 | 618 | $17.4 m |
| Other flows - Same State | 300 | 458 | $21.9 m |
| Other flows - Northeast | 175 | 290 | $16.1 m |
| Other flows - West | 175 | 304 | $17.4 m |
The largest single source of arrivals is Ontario 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.
Ontario County
What the Ontario County economy runs on
- County GDP, 2024$8.92 bn
- County GDP, 2023$8.33 bn
- GDP change, 2023 to 20247.0 percent
- GDP change over five years33.9 percent
- Rank by GDP among New York counties24th
- Rank by GDP among US county-equivalents488th
- GDP per resident$79,178
Output grew 7.0 percent in the latest year and 33.9 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.
Ontario County
Who employs people in Ontario County
- Covered employment, annual average53,913
- Establishments reporting3,312
- Average annual pay$64,047
- Average weekly wage$1,232
- Sector 62, employment7,612
- Sector 62, average annual pay$57,064
- Sector 44-45, employment7,375
- Sector 44-45, average annual pay$38,054
- Sector 31-33, employment6,229
- Sector 31-33, average annual pay$73,960
- Sector 72, employment4,882
- Sector 72, average annual pay$28,015
- Sector 23, employment3,412
- Sector 56, employment3,301
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 7,612 | 274 | $57,064 |
| Sector 44-45 | 7,375 | 462 | $38,054 |
| Sector 31-33 | 6,229 | 181 | $73,960 |
| Sector 72 | 4,882 | 304 | $28,015 |
| Sector 23 | 3,412 | 294 | $96,379 |
| Sector 56 | 3,301 | 192 | $106,776 |
| Sector 48-49 | 2,000 | 63 | $57,130 |
| Sector 54 | 1,590 | 272 | $93,221 |
The largest sector is the biggest private employer group at 7,612 jobs, 14.1 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.
Ontario County
What businesses operate in Ontario County
- Establishments, all industries2,895
- Employment at those establishments45,420
- Annual payroll$2.63 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.
Ontario County
What is being built in Ontario County
- Housing units authorised by permit, 2024287
- Declared construction value permitted$84.7 m
- Single family units authorised216
- Multifamily units authorised71
- Multifamily share of units24.7 percent
- Average declared value per unit$295,152
- Units authorised per 1,000 households5.9
Multifamily is 24.7 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Ontario County
How much SBA lending happens in Ontario County
- 7(a) approvals recorded164
- 7(a) gross approval dollars$47.6 m
- Average 7(a) approval$289,988
- Median 7(a) approval$114,000
- 10th percentile approval$25,000
- 90th percentile approval$550,000
- Largest single approval$4,151,500
- Jobs reported supported, 7(a)1,507
- Jobs per approval9.2
- Distinct 7(a) lenders active32
- Distinct industries receiving approvals91
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer4.9 percent
- Loans on real estate terms8
- Loans on working capital terms, 120 months or shorter150
- Franchise loans13
- Franchise share of approvals7.9 percent
- Leading industry by approval countFull-Service Restaurants (7)
- Most active lenderESL FCU (37)
- 504 approvals recorded42
- 504 gross approval dollars$24.0 m
- Average 504 approval$571,810
- Median 504 approval$342,000
- Distinct CDCs active3
- 504 jobs per approval10.2
- 504 jobs per million dollars approved17.8
- Most active CDCEmpire State Certified Development Corporation (39)
- 7(a) share of SBA approvals79.6 percent
- Combined SBA approval dollars$71.6 m
The average approval of $289,988 sits well above the median of $114,000, 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 4.9 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.
Ontario County
Do SBA loans in Ontario County get paid back
- Loans with a final outcome recorded37
- Paid in full37
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Paid in full37
- Status: Cancelled19
- Status: Exempt from disclosure102
- Status: Committed, not yet disbursed6
Of the 37 loans that have reached a final outcome, 0.0 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.
Ontario County
Which parts of Ontario County get the lending
- Places in the county with recorded lending14
- Victor, approvals61
- Canandaigua, approvals34
- FARMINGTON, approvals14
- Geneva, approvals13
- Bloomfield, approvals10
- Naples, approvals9
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Victor | 61 | $20,520,200 |
| Canandaigua | 34 | $8,843,100 |
| FARMINGTON | 14 | $2,450,400 |
| Geneva | 13 | $3,834,600 |
| Bloomfield | 10 | $1,068,600 |
| Naples | 9 | $2,006,500 |
| Clifton Springs | 6 | $3,204,000 |
| SHORTSVILLE | 5 | $621,200 |
Victor accounts for 61 approvals against 34 in Canandaigua. 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.
Ontario County
How big is Ontario County
- Land area644 sq mi
- Rank by land area among New York counties34th of 62
- Width, east to west32.9 mi
- Height, north to south32 mi
- Geographies sharing a boundary6
- Residents per square mile of land175
- Establishments per square mile4.50
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.
Ontario County
What hazards affect Ontario County
- EPA radon zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
- Communities in the NFIP Community Status Book26
- Of those, participating in the NFIP26
- 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 8
- 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 8, 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 Ontario 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 Ontario County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population112,625
- Households48,311
- Average household size2.33
- Median household income$82,324
- Median age44.2
Common questions
Ontario County questions, answered from the record.
How many people live in Ontario County, New York?
112,625, in 48,311 households, ranking 26th of 62 New York counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Ontario County growing?
The population has grown 0.49 percent since the 2020 census base. In 2024 there were 995 births against 1,219 deaths, with net migration of 633. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Ontario County?
$82,324. The median owner-occupied home is valued at $222,900, which is 2.7 times income, and median gross rent is $1,150 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Ontario County?
2,895 establishments, employing 45,420 people with an annual payroll of $2.63 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 Ontario County?
Average annual pay is $64,047, or $1,232 a week, across 53,913 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Ontario County?
164 7(a) approvals totalling $47.6 m since FY2020, across 32 lenders, with a median approval of $114,000, plus 42 504 approvals worth $24.0 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Ontario County get paid back?
Of the 37 loans that have reached a final outcome, 37 were paid in full and 0 charged off, a charge off rate of 0.0 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Ontario County?
287 housing units were authorised by permit in 2024, with a declared construction value of $84.7 m. Multifamily was 24.7 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Ontario 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 Ontario County come from?
The largest single origin is Ontario County Non-migrants, with 45,423 households. Arriving households report an average income of $76,192 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 Ontario 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 Ontario 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.