HomeNew YorkSt. Lawrence County
St. Lawrence County, New York: commercial real estate data.
St. Lawrence County, New York has a population of 107,226 across 2,680 square miles, down 2.1 percent since the 2020 census base. County output reached $6.59 bn in 2024, 1,826 establishments operate here, and the SBA record carries 32 7(a) approvals worth $14.0 m.
126 sourced county values · tier FULL · 12 sections
St. Lawrence County
How many people live in St. Lawrence County
- Population107,226
- Households41,666
- Average household size2.57
- Median household income$62,850
- Median age39.3
- Median gross rent$818 per month
- Median owner-occupied home value$121,900
- Home value to household income1.9 times
- Annual rent as a share of median income15.6 percent
- Adults 25 and over with a bachelor degree or higher25.3 percent
- Adults 25 and over with a graduate degree12.3 percent
- Adults 25 and over71,171
- Population under 1821,313
- Share under 1819.9 percent
- Population 65 and over20,152
- Share 65 and over18.8 percent
- Working age population, 18 to 6465,761
- Civilian labor force47,293
- Unemployment rate5.3 percent
- Labor force participation, adults 18 and over55.0 percent
- Rank by population among New York counties27th of 62
- Rank by population among US county-equivalents583rd
St. Lawrence County is the 27th largest of 62 New York counties by population. A median home costs 1.9 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 19.9 percent against 18.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
St. Lawrence County
Is St. Lawrence County growing
- Population change since the 2020 census base-2.13 percent
- Census 2020 base population108,512
- Births, 2024898
- Deaths, 20241,247
- Natural change, 2024-349
- Net domestic migration, 2024-520
- Net international migration, 2024335
- Total net migration, 2024-185
- Cumulative net domestic migration, 2021 to 2024-1,696
- Rank by growth among US county-equivalents2535th
The county has lost 2.13 percent of its population since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
St. Lawrence County
Where people moving to St. Lawrence County come from
- Tax returns filed by households arriving1,363
- People arriving, from those returns2,324
- Adjusted gross income arriving$83.9 m
- Net adjusted gross income movement$0
- Average income of an arriving household$61,541
- Largest single originSt. Lawrence County Non-migrants (36,705 households)
- Largest single destination (36,705 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| St. Lawrence County Non-migrants | 36,705 | 72,418 | $2.36 bn |
| Other flows - Different State | 636 | 1,149 | $42.6 m |
| Other flows - South | 300 | 593 | $20.9 m |
| Other flows - Same State | 246 | 363 | $16.3 m |
| Franklin County | 154 | 275 | $6.5 m |
| Other flows - Northeast | 146 | 236 | $10.4 m |
| Jefferson County | 134 | 244 | $5.1 m |
| Other flows - West | 116 | 188 | $7.2 m |
The largest single source of arrivals is St. Lawrence 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.
St. Lawrence County
What the St. Lawrence County economy runs on
- County GDP, 2024$6.59 bn
- County GDP, 2023$6.26 bn
- GDP change, 2023 to 20245.2 percent
- GDP change over five years31.5 percent
- Rank by GDP among New York counties28th
- Rank by GDP among US county-equivalents608th
- GDP per resident$61,444
Output grew 5.2 percent in the latest year and 31.5 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.
St. Lawrence County
Who employs people in St. Lawrence County
- Covered employment, annual average34,764
- Establishments reporting2,104
- Average annual pay$62,502
- Average weekly wage$1,202
- Sector 62, employment5,356
- Sector 62, average annual pay$66,847
- Sector 44-45, employment4,457
- Sector 44-45, average annual pay$35,104
- Sector 72, employment2,629
- Sector 72, average annual pay$23,508
- Sector 31-33, employment2,347
- Sector 31-33, average annual pay$80,029
- Sector 61, employment2,019
- Sector 23, employment1,400
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 5,356 | 194 | $66,847 |
| Sector 44-45 | 4,457 | 314 | $35,104 |
| Sector 72 | 2,629 | 210 | $23,508 |
| Sector 31-33 | 2,347 | 71 | $80,029 |
| Sector 61 | 2,019 | 14 | $60,212 |
| Sector 23 | 1,400 | 197 | $70,832 |
| Sector 56 | 908 | 80 | $66,678 |
| Sector 81 | 772 | 180 | $31,694 |
The largest sector is the biggest private employer group at 5,356 jobs, 15.4 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.
St. Lawrence County
What businesses operate in St. Lawrence County
- Establishments, all industries1,826
- Employment at those establishments26,395
- Annual payroll$1.44 bn
- Establishments per 1,000 residents17.0
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.
St. Lawrence County
What is being built in St. Lawrence County
- Housing units authorised by permit, 2024228
- Declared construction value permitted$41.7 m
- Single family units authorised204
- Multifamily units authorised24
- Multifamily share of units10.5 percent
- Average declared value per unit$182,676
- Units authorised per 1,000 households5.5
Multifamily is 10.5 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
St. Lawrence County
How much SBA lending happens in St. Lawrence County
- 7(a) approvals recorded32
- 7(a) gross approval dollars$14.0 m
- Average 7(a) approval$435,969
- Median 7(a) approval$185,000
- 10th percentile approval$22,500
- 90th percentile approval$1,360,000
- Largest single approval$3,123,000
- Jobs reported supported, 7(a)276
- Jobs per approval8.6
- Distinct 7(a) lenders active15
- Distinct industries receiving approvals24
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer28.1 percent
- Loans on real estate terms9
- Loans on working capital terms, 120 months or shorter20
- Franchise loans2
- Franchise share of approvals6.3 percent
- Leading industry by approval countFull-Service Restaurants (4)
- Most active lenderCommunity Bank, National Association (8)
- 504 approvals recorded7
- 504 gross approval dollars$2.4 m
- Average 504 approval$348,714
- Median 504 approval$383,000
- Distinct CDCs active2
- 504 jobs per approval10.9
- 504 jobs per million dollars approved31.1
- Most active CDCEmpire State Certified Development Corporation (6)
- 7(a) share of SBA approvals82.1 percent
- Combined SBA approval dollars$16.4 m
The average approval of $435,969 sits well above the median of $185,000, 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 28.1 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.
St. Lawrence County
Do SBA loans in St. Lawrence County get paid back
- Loans with a final outcome recorded2
- Paid in full0
- Charged off2
- Status: Cancelled3
- Status: Exempt from disclosure26
- Status: Charged off2
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 2 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.
St. Lawrence County
Which parts of St. Lawrence County get the lending
- Places in the county with recorded lending12
- Massena, approvals6
- OGDENSBURG, approvals6
- Potsdam, approvals5
- GOUVERNEUR, approvals3
- HAMMOND, approvals3
- Canton, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Massena | 6 | $4,946,700 |
| OGDENSBURG | 6 | $1,120,800 |
| Potsdam | 5 | $395,000 |
| GOUVERNEUR | 3 | $275,500 |
| HAMMOND | 3 | $4,600,000 |
| Canton | 2 | $1,568,000 |
| Lisbon | 2 | $392,000 |
| HERMON | 1 | $115,000 |
Massena accounts for 6 approvals against 6 in OGDENSBURG. 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.
St. Lawrence County
How big is St. Lawrence County
- Land area2,680 sq mi
- Rank by land area among New York counties1st of 62
- Width, east to west65.6 mi
- Height, north to south66.7 mi
- Geographies sharing a boundary5
- Residents per square mile of land40
- Establishments per square mile0.68
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.
St. Lawrence County
What hazards affect St. Lawrence County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book45
- Of those, participating in the NFIP45
- 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 St. Lawrence 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 St. Lawrence County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population107,226
- Households41,666
- Average household size2.57
- Median household income$62,850
- Median age39.3
Common questions
St. Lawrence County questions, answered from the record.
How many people live in St. Lawrence County, New York?
107,226, in 41,666 households, ranking 27th of 62 New York counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is St. Lawrence County growing?
The population has fallen 2.13 percent since the 2020 census base. In 2024 there were 898 births against 1,247 deaths, with net migration of -185. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in St. Lawrence County?
$62,850. The median owner-occupied home is valued at $121,900, which is 1.9 times income, and median gross rent is $818 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in St. Lawrence County?
1,826 establishments, employing 26,395 people with an annual payroll of $1.44 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 St. Lawrence County?
Average annual pay is $62,502, or $1,202 a week, across 34,764 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in St. Lawrence County?
32 7(a) approvals totalling $14.0 m since FY2020, across 15 lenders, with a median approval of $185,000, plus 7 504 approvals worth $2.4 m. These are approvals recorded in the release, not loans disbursed.
What is being built in St. Lawrence County?
228 housing units were authorised by permit in 2024, with a declared construction value of $41.7 m. Multifamily was 10.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for St. Lawrence 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 St. Lawrence County come from?
The largest single origin is St. Lawrence County Non-migrants, with 36,705 households. Arriving households report an average income of $61,541 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 St. Lawrence 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 St. Lawrence 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.