Seneca County, New York: commercial real estate data.
Seneca County, New York has a population of 32,920 across 324 square miles, down 3.4 percent since the 2020 census base. County output reached $2.06 bn in 2024, 689 establishments operate here, and the SBA record carries 37 7(a) approvals worth $9.5 m.
126 sourced county values · tier FULL · 12 sections
Seneca County
How many people live in Seneca County
- Population32,920
- Households13,606
- Average household size2.42
- Median household income$68,089
- Median age43.0
- Median gross rent$957 per month
- Median owner-occupied home value$155,400
- Home value to household income2.3 times
- Annual rent as a share of median income16.9 percent
- Adults 25 and over with a bachelor degree or higher25.2 percent
- Adults 25 and over with a graduate degree9.5 percent
- Adults 25 and over23,742
- Population under 186,682
- Share under 1820.3 percent
- Population 65 and over7,104
- Share 65 and over21.6 percent
- Working age population, 18 to 6419,134
- Civilian labor force15,143
- Unemployment rate4.5 percent
- Labor force participation, adults 18 and over57.7 percent
- Rank by population among New York counties57th of 62
- Rank by population among US county-equivalents1400th
Seneca County is the 57th largest of 62 New York counties by population. A median home costs 2.3 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 21.6 percent against 20.3 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.
Seneca County
Is Seneca County growing
- Population change since the 2020 census base-3.42 percent
- Census 2020 base population33,806
- Births, 2024291
- Deaths, 2024354
- Natural change, 2024-63
- Net domestic migration, 2024193
- Net international migration, 2024104
- Total net migration, 2024297
- Cumulative net domestic migration, 2021 to 2024-900
- Rank by growth among US county-equivalents2807th
The county has lost 3.42 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.
Seneca County
Where people moving to Seneca County come from
- Tax returns filed by households arriving693
- People arriving, from those returns1,181
- Adjusted gross income arriving$42.9 m
- Net adjusted gross income movement$0
- Average income of an arriving household$61,877
- Largest single originSeneca County Non-migrants (12,529 households)
- Largest single destination (12,529 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Seneca County Non-migrants | 12,529 | 24,487 | $836.9 m |
| Other flows - Same State | 159 | 247 | $9.8 m |
| Ontario County | 153 | 275 | $8.4 m |
| Other flows - Different State | 150 | 255 | $8.1 m |
| Wayne County | 64 | 122 | $3.1 m |
| Other flows - South | 64 | 122 | $3.0 m |
| Cayuga County | 57 | 99 | $2.6 m |
| Tompkins County | 56 | 104 | $4.0 m |
The largest single source of arrivals is Seneca 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.
Seneca County
What the Seneca County economy runs on
- County GDP, 2024$2.06 bn
- County GDP, 2023$1.97 bn
- GDP change, 2023 to 20244.8 percent
- GDP change over five years34.0 percent
- Rank by GDP among New York counties54th
- Rank by GDP among US county-equivalents1251st
- GDP per resident$62,703
Output grew 4.8 percent in the latest year and 34.0 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.
Seneca County
Who employs people in Seneca County
- Covered employment, annual average10,274
- Establishments reporting765
- Average annual pay$63,386
- Average weekly wage$1,219
- Sector 44-45, employment1,938
- Sector 44-45, average annual pay$37,038
- Sector 31-33, employment1,879
- Sector 31-33, average annual pay$77,486
- Sector 72, employment1,356
- Sector 72, average annual pay$41,667
- Sector 42, employment311
- Sector 42, average annual pay$70,798
- Sector 23, employment259
- Sector 81, employment223
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 1,938 | 137 | $37,038 |
| Sector 31-33 | 1,879 | 56 | $77,486 |
| Sector 72 | 1,356 | 73 | $41,667 |
| Sector 42 | 311 | 31 | $70,798 |
| Sector 23 | 259 | 62 | $71,556 |
| Sector 81 | 223 | 54 | $31,332 |
| Sector 56 | 170 | 36 | $53,946 |
| Sector 52 | 115 | 24 | $66,736 |
The largest sector is the biggest private employer group at 1,938 jobs, 18.9 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.
Seneca County
What businesses operate in Seneca County
- Establishments, all industries689
- Employment at those establishments8,767
- Annual payroll$437.8 m
- Establishments per 1,000 residents20.9
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.
Seneca County
What is being built in Seneca County
- Housing units authorised by permit, 202448
- Declared construction value permitted$11.4 m
- Single family units authorised48
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$236,687
- Units authorised per 1,000 households3.5
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Seneca County
How much SBA lending happens in Seneca County
- 7(a) approvals recorded37
- 7(a) gross approval dollars$9.5 m
- Average 7(a) approval$257,003
- Median 7(a) approval$47,500
- 10th percentile approval$10,000
- 90th percentile approval$550,000
- Largest single approval$4,845,000
- Jobs reported supported, 7(a)153
- Jobs per approval4.1
- Distinct 7(a) lenders active13
- Distinct industries receiving approvals28
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer18.9 percent
- Loans on real estate terms7
- Loans on working capital terms, 120 months or shorter30
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countOther Miscellaneous Durable Goods Merchant Wholesalers (3)
- Most active lenderManufacturers and Traders Trust Company (9)
- 504 approvals recorded5
- 504 gross approval dollars$3.0 m
- Average 504 approval$597,400
- Median 504 approval$509,000
- Distinct CDCs active2
- 504 jobs per approval5.0
- 504 jobs per million dollars approved8.4
- Most active CDCEmpire State Certified Development Corporation (3)
- 7(a) share of SBA approvals88.1 percent
- Combined SBA approval dollars$12.5 m
The average approval of $257,003 sits well above the median of $47,500, 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 18.9 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.
Seneca County
Do SBA loans in Seneca County get paid back
- Loans with a final outcome recorded9
- Paid in full9
- Charged off0
- Status: Exempt from disclosure23
- Status: Paid in full9
- Status: Committed, not yet disbursed4
- Status: Cancelled1
Too few loans have reached a final outcome to publish a charge off rate. only 9 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.
Seneca County
Which parts of Seneca County get the lending
- Places in the county with recorded lending7
- SENECA FALLS, approvals15
- WATERLOO, approvals11
- ROMULUS, approvals5
- OVID, approvals3
- LODI, approvals1
- GENEVA, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| SENECA FALLS | 15 | $2,308,800 |
| WATERLOO | 11 | $724,000 |
| ROMULUS | 5 | $918,300 |
| OVID | 3 | $4,913,000 |
| LODI | 1 | $280,000 |
| GENEVA | 1 | $165,000 |
| INTERLAKEN | 1 | $200,000 |
SENECA FALLS accounts for 15 approvals against 11 in WATERLOO. 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.
Seneca County
How big is Seneca County
- Land area324 sq mi
- Rank by land area among New York counties53rd of 62
- Width, east to west19.6 mi
- Height, north to south33.3 mi
- Geographies sharing a boundary6
- Residents per square mile of land102
- Establishments per square mile2.13
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.
Seneca County
What hazards affect Seneca County
- EPA radon zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
- Communities in the NFIP Community Status Book13
- Of those, participating in the NFIP12
- NFIP participation rate92.3 percent
- Communities carrying a CRS class0
The EPA places the county in radon zone 1, a predicted average indoor radon screening level greater than 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 Seneca 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 Seneca County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population32,920
- Households13,606
- Average household size2.42
- Median household income$68,089
- Median age43.0
Common questions
Seneca County questions, answered from the record.
How many people live in Seneca County, New York?
32,920, in 13,606 households, ranking 57th of 62 New York counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Seneca County growing?
The population has fallen 3.42 percent since the 2020 census base. In 2024 there were 291 births against 354 deaths, with net migration of 297. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Seneca County?
$68,089. The median owner-occupied home is valued at $155,400, which is 2.3 times income, and median gross rent is $957 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Seneca County?
689 establishments, employing 8,767 people with an annual payroll of $437.8 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 Seneca County?
Average annual pay is $63,386, or $1,219 a week, across 10,274 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Seneca County?
37 7(a) approvals totalling $9.5 m since FY2020, across 13 lenders, with a median approval of $47,500, plus 5 504 approvals worth $3.0 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Seneca County?
48 housing units were authorised by permit in 2024, with a declared construction value of $11.4 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Seneca 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 Seneca County come from?
The largest single origin is Seneca County Non-migrants, with 12,529 households. Arriving households report an average income of $61,877 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 Seneca 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 Seneca 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.