HomeNew YorkSchenectady County
Schenectady County, New York: commercial real estate data.
Schenectady County, New York has a population of 160,369 across 205 square miles, up 2.7 percent since the 2020 census base. County output reached $12.31 bn in 2024, 2,911 establishments operate here, and the SBA record carries 101 7(a) approvals worth $37.0 m.
128 sourced county values · tier FULL · 12 sections
Schenectady County
How many people live in Schenectady County
- Population160,369
- Households66,902
- Average household size2.40
- Median household income$79,623
- Median age39.6
- Median gross rent$1,194 per month
- Median owner-occupied home value$235,700
- Home value to household income3.0 times
- Annual rent as a share of median income18.0 percent
- Adults 25 and over with a bachelor degree or higher36.1 percent
- Adults 25 and over with a graduate degree16.8 percent
- Adults 25 and over110,701
- Population under 1834,413
- Share under 1821.5 percent
- Population 65 and over28,630
- Share 65 and over17.9 percent
- Working age population, 18 to 6497,326
- Civilian labor force81,661
- Unemployment rate5.8 percent
- Labor force participation, adults 18 and over64.8 percent
- Rank by population among New York counties21st of 62
- Rank by population among US county-equivalents432nd
Schenectady County is the 21st 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 under 18 outnumber those 65 and over, at 21.5 percent against 17.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Schenectady County
Is Schenectady County growing
- Population change since the 2020 census base2.67 percent
- Census 2020 base population158,045
- Births, 20241,752
- Deaths, 20241,662
- Natural change, 202490
- Net domestic migration, 2024970
- Net international migration, 2024824
- Total net migration, 20241,794
- Cumulative net domestic migration, 2021 to 2024768
- Rank by growth among US county-equivalents958th
The county has grown 2.67 percent 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.
Schenectady County
Where people moving to Schenectady County come from
- Tax returns filed by households arriving4,412
- People arriving, from those returns7,170
- Adjusted gross income arriving$263.3 m
- Net adjusted gross income movement$0
- Average income of an arriving household$59,683
- Largest single originSchenectady County Non-migrants (63,398 households)
- Largest single destination (63,398 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Schenectady County Non-migrants | 63,398 | 119,663 | $5.04 bn |
| Albany County | 1,196 | 1,946 | $73.9 m |
| Other flows - Different State | 911 | 1,527 | $59.2 m |
| Saratoga County | 622 | 932 | $40.0 m |
| Other flows - South | 391 | 688 | $21.4 m |
| Rensselaer County | 328 | 516 | $18.1 m |
| Other flows - Northeast | 303 | 498 | $22.0 m |
| Queens County | 254 | 467 | $10.5 m |
The largest single source of arrivals is Schenectady 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.
Schenectady County
What the Schenectady County economy runs on
- County GDP, 2024$12.31 bn
- County GDP, 2023$11.70 bn
- GDP change, 2023 to 20245.2 percent
- GDP change over five years38.4 percent
- Rank by GDP among New York counties20th
- Rank by GDP among US county-equivalents378th
- GDP per resident$76,763
Output grew 5.2 percent in the latest year and 38.4 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.
Schenectady County
Who employs people in Schenectady County
- Covered employment, annual average58,509
- Establishments reporting3,562
- Average annual pay$73,794
- Average weekly wage$1,419
- Sector 62, employment8,863
- Sector 62, average annual pay$57,241
- Sector 44-45, employment6,987
- Sector 44-45, average annual pay$47,502
- Sector 54, employment6,138
- Sector 54, average annual pay$145,625
- Sector 31-33, employment4,837
- Sector 31-33, average annual pay$98,750
- Sector 72, employment4,678
- Sector 48-49, employment2,646
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 8,863 | 328 | $57,241 |
| Sector 44-45 | 6,987 | 434 | $47,502 |
| Sector 54 | 6,138 | 356 | $145,625 |
| Sector 31-33 | 4,837 | 113 | $98,750 |
| Sector 72 | 4,678 | 348 | $34,898 |
| Sector 48-49 | 2,646 | 88 | $53,600 |
| Sector 23 | 2,400 | 354 | $73,525 |
| Sector 52 | 2,210 | 153 | $108,022 |
The largest sector is the biggest private employer group at 8,863 jobs, 15.1 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.
Schenectady County
What businesses operate in Schenectady County
- Establishments, all industries2,911
- Employment at those establishments51,797
- Annual payroll$3.40 bn
- Establishments per 1,000 residents18.2
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.
Schenectady County
What is being built in Schenectady County
- Housing units authorised by permit, 2024154
- Declared construction value permitted$36.8 m
- Single family units authorised78
- Multifamily units authorised76
- Multifamily share of units49.4 percent
- Average declared value per unit$239,168
- Units authorised per 1,000 households2.3
Multifamily is 49.4 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Schenectady County
How much SBA lending happens in Schenectady County
- 7(a) approvals recorded101
- 7(a) gross approval dollars$37.0 m
- Average 7(a) approval$366,650
- Median 7(a) approval$125,000
- 10th percentile approval$25,000
- 90th percentile approval$660,000
- Largest single approval$4,125,000
- Jobs reported supported, 7(a)721
- Jobs per approval7.1
- Distinct 7(a) lenders active28
- Distinct industries receiving approvals58
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer16.8 percent
- Loans on real estate terms17
- Loans on working capital terms, 120 months or shorter82
- Franchise loans6
- Franchise share of approvals5.9 percent
- Leading industry by approval countFull-Service Restaurants (6)
- Most active lenderKeyBank National Association (18)
- 504 approvals recorded49
- 504 gross approval dollars$40.8 m
- Average 504 approval$831,816
- Median 504 approval$451,000
- Distinct CDCs active2
- 504 jobs per approval11.8
- 504 jobs per million dollars approved14.2
- Most active CDCEmpire State Certified Development Corporation (48)
- 7(a) share of SBA approvals67.3 percent
- Combined SBA approval dollars$77.8 m
The average approval of $366,650 sits well above the median of $125,000, 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 16.8 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.
Schenectady County
Do SBA loans in Schenectady County get paid back
- Loans with a final outcome recorded16
- Paid in full15
- Charged off1
- Charge off rate on resolved loans6.3 percent
- Status: Paid in full15
- Status: Cancelled22
- Status: Exempt from disclosure59
- Status: Charged off1
- Status: Committed, not yet disbursed4
Of the 16 loans that have reached a final outcome, 6.3 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.
Schenectady County
Which parts of Schenectady County get the lending
- Places in the county with recorded lending8
- Schenectady, approvals80
- Glenville, approvals7
- Scotia, approvals4
- Duanesburg, approvals3
- Rotterdam, approvals2
- Delanson, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Schenectady | 80 | $32,069,500 |
| Glenville | 7 | $844,000 |
| Scotia | 4 | $656,000 |
| Duanesburg | 3 | $592,000 |
| Rotterdam | 2 | $1,699,100 |
| Delanson | 2 | $690,000 |
| NISKAYUNA | 2 | $431,000 |
| 1473 SCHENECTADY | 1 | $50,000 |
Schenectady accounts for 80 approvals against 7 in Glenville. 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.
Schenectady County
How big is Schenectady County
- Land area205 sq mi
- Rank by land area among New York counties56th of 62
- Width, east to west23.5 mi
- Height, north to south16.7 mi
- Geographies sharing a boundary4
- Residents per square mile of land782
- Establishments per square mile14.20
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.
Schenectady County
What hazards affect Schenectady County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book8
- Of those, participating in the NFIP8
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
The EPA places the county in radon zone 2, a predicted average indoor radon screening level from 2 to 4 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 Schenectady 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 Schenectady County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population160,369
- Households66,902
- Average household size2.40
- Median household income$79,623
- Median age39.6
Common questions
Schenectady County questions, answered from the record.
How many people live in Schenectady County, New York?
160,369, in 66,902 households, ranking 21st of 62 New York counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Schenectady County growing?
The population has grown 2.67 percent since the 2020 census base. In 2024 there were 1,752 births against 1,662 deaths, with net migration of 1,794. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Schenectady County?
$79,623. The median owner-occupied home is valued at $235,700, which is 3.0 times income, and median gross rent is $1,194 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Schenectady County?
2,911 establishments, employing 51,797 people with an annual payroll of $3.40 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 Schenectady County?
Average annual pay is $73,794, or $1,419 a week, across 58,509 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Schenectady County?
101 7(a) approvals totalling $37.0 m since FY2020, across 28 lenders, with a median approval of $125,000, plus 49 504 approvals worth $40.8 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Schenectady County get paid back?
Of the 16 loans that have reached a final outcome, 15 were paid in full and 1 charged off, a charge off rate of 6.3 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Schenectady County?
154 housing units were authorised by permit in 2024, with a declared construction value of $36.8 m. Multifamily was 49.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Schenectady County?
Zone 2, a predicted average indoor radon screening level from 2 to 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 Schenectady County come from?
The largest single origin is Schenectady County Non-migrants, with 63,398 households. Arriving households report an average income of $59,683 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 Schenectady 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 Schenectady 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.