Steuben County, New York: commercial real estate data.
Steuben County, New York has a population of 92,588 across 1,391 square miles, down 1.7 percent since the 2020 census base. County output reached $5.79 bn in 2024, 1,749 establishments operate here, and the SBA record carries 110 7(a) approvals worth $33.2 m.
128 sourced county values · tier FULL · 12 sections
Steuben County
How many people live in Steuben County
- Population92,588
- Households39,219
- Average household size2.36
- Median household income$65,887
- Median age43.0
- Median gross rent$894 per month
- Median owner-occupied home value$137,900
- Home value to household income2.1 times
- Annual rent as a share of median income16.3 percent
- Adults 25 and over with a bachelor degree or higher26.3 percent
- Adults 25 and over with a graduate degree12.6 percent
- Adults 25 and over65,996
- Population under 1819,920
- Share under 1821.5 percent
- Population 65 and over19,262
- Share 65 and over20.8 percent
- Working age population, 18 to 6453,406
- Civilian labor force43,888
- Unemployment rate6.0 percent
- Labor force participation, adults 18 and over60.4 percent
- Rank by population among New York counties30th of 62
- Rank by population among US county-equivalents660th
Steuben County is the 30th largest of 62 New York counties by population. A median home costs 2.1 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 20.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Steuben County
Is Steuben County growing
- Population change since the 2020 census base-1.67 percent
- Census 2020 base population93,576
- Births, 2024986
- Deaths, 20241,153
- Natural change, 2024-167
- Net domestic migration, 2024-86
- Net international migration, 2024183
- Total net migration, 202497
- Cumulative net domestic migration, 2021 to 2024-787
- Rank by growth among US county-equivalents2409th
The county has lost 1.67 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.
Steuben County
Where people moving to Steuben County come from
- Tax returns filed by households arriving1,891
- People arriving, from those returns3,172
- Adjusted gross income arriving$116.6 m
- Net adjusted gross income movement$0
- Average income of an arriving household$61,668
- Largest single originSteuben County Non-migrants (36,129 households)
- Largest single destination (36,129 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Steuben County Non-migrants | 36,129 | 71,211 | $2.64 bn |
| Other flows - Different State | 687 | 1,154 | $46.0 m |
| Other flows - South | 341 | 588 | $20.3 m |
| Chemung County | 273 | 446 | $15.8 m |
| Other flows - Same State | 230 | 373 | $12.9 m |
| Other flows - Northeast | 155 | 238 | $11.8 m |
| Livingston County | 118 | 207 | $5.0 m |
| Other flows - West | 111 | 189 | $8.3 m |
The largest single source of arrivals is Steuben 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.
Steuben County
What the Steuben County economy runs on
- County GDP, 2024$5.79 bn
- County GDP, 2023$5.60 bn
- GDP change, 2023 to 20243.3 percent
- GDP change over five years24.1 percent
- Rank by GDP among New York counties30th
- Rank by GDP among US county-equivalents659th
- GDP per resident$62,506
Output grew 3.3 percent in the latest year and 24.1 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.
Steuben County
Who employs people in Steuben County
- Covered employment, annual average34,564
- Establishments reporting2,170
- Average annual pay$72,111
- Average weekly wage$1,387
- Sector 62, employment5,523
- Sector 62, average annual pay$52,283
- Sector 31-33, employment4,043
- Sector 31-33, average annual pay$81,921
- Sector 44-45, employment3,728
- Sector 44-45, average annual pay$37,168
- Sector 54, employment3,270
- Sector 54, average annual pay$152,977
- Sector 72, employment2,585
- Sector 55, employment1,228
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 5,523 | 219 | $52,283 |
| Sector 31-33 | 4,043 | 72 | $81,921 |
| Sector 44-45 | 3,728 | 267 | $37,168 |
| Sector 54 | 3,270 | 142 | $152,977 |
| Sector 72 | 2,585 | 210 | $25,422 |
| Sector 55 | 1,228 | 22 | $264,000 |
| Sector 81 | 959 | 195 | $37,788 |
| Sector 48-49 | 865 | 75 | $54,613 |
The largest sector is the biggest private employer group at 5,523 jobs, 16.0 percent of covered employment. Average pay per job exceeds median household income, which usually means single earner households and a wage base that can carry rent.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Steuben County
What businesses operate in Steuben County
- Establishments, all industries1,749
- Employment at those establishments26,364
- Annual payroll$1.86 bn
- Establishments per 1,000 residents18.9
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.
Steuben County
What is being built in Steuben County
- Housing units authorised by permit, 2024120
- Declared construction value permitted$24.5 m
- Single family units authorised120
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$204,105
- Units authorised per 1,000 households3.1
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Steuben County
How much SBA lending happens in Steuben County
- 7(a) approvals recorded110
- 7(a) gross approval dollars$33.2 m
- Average 7(a) approval$301,782
- Median 7(a) approval$100,000
- 10th percentile approval$15,000
- 90th percentile approval$696,400
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)695
- Jobs per approval6.3
- Distinct 7(a) lenders active23
- Distinct industries receiving approvals59
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer13.6 percent
- Loans on real estate terms15
- Loans on working capital terms, 120 months or shorter90
- Franchise loans4
- Franchise share of approvals3.6 percent
- Leading industry by approval countFull-Service Restaurants (10)
- Most active lenderFive Star Bank (37)
- 504 approvals recorded3
- 504 gross approval dollars$5.7 m
- Average 504 approval$1,899,000
- Median 504 approval$567,000
- Distinct CDCs active1
- 504 jobs per approval15.7
- 504 jobs per million dollars approved8.2
- Most active CDCEmpire State Certified Development Corporation (3)
- 7(a) share of SBA approvals97.3 percent
- Combined SBA approval dollars$38.9 m
The average approval of $301,782 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 13.6 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.
Steuben County
Do SBA loans in Steuben County get paid back
- Loans with a final outcome recorded13
- Paid in full13
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Paid in full13
- Status: Exempt from disclosure78
- Status: Cancelled10
- Status: Committed, not yet disbursed9
Of the 13 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.
Steuben County
Which parts of Steuben County get the lending
- Places in the county with recorded lending16
- BATH, approvals23
- Corning, approvals18
- Painted Post, approvals17
- HORNELL, approvals14
- ADDISON, approvals7
- Wayland, approvals6
| Place | Approvals | Gross approval dollars |
|---|---|---|
| BATH | 23 | $4,450,100 |
| Corning | 18 | $6,454,500 |
| Painted Post | 17 | $4,999,100 |
| HORNELL | 14 | $9,133,500 |
| ADDISON | 7 | $1,615,400 |
| Wayland | 6 | $735,000 |
| CAMPBELL | 6 | $2,107,400 |
| NAPLES | 4 | $1,325,000 |
BATH accounts for 23 approvals against 18 in Corning. 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.
Steuben County
How big is Steuben County
- Land area1,391 sq mi
- Rank by land area among New York counties7th of 62
- Width, east to west40.2 mi
- Height, north to south40.2 mi
- Geographies sharing a boundary6
- Residents per square mile of land67
- Establishments per square mile1.26
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.
Steuben County
What hazards affect Steuben County
- EPA radon zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
- Communities in the NFIP Community Status Book47
- Of those, participating in the NFIP47
- 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 class4
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 Steuben 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 Steuben County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population92,588
- Households39,219
- Average household size2.36
- Median household income$65,887
- Median age43.0
Common questions
Steuben County questions, answered from the record.
How many people live in Steuben County, New York?
92,588, in 39,219 households, ranking 30th of 62 New York counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Steuben County growing?
The population has fallen 1.67 percent since the 2020 census base. In 2024 there were 986 births against 1,153 deaths, with net migration of 97. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Steuben County?
$65,887. The median owner-occupied home is valued at $137,900, which is 2.1 times income, and median gross rent is $894 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Steuben County?
1,749 establishments, employing 26,364 people with an annual payroll of $1.86 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 Steuben County?
Average annual pay is $72,111, or $1,387 a week, across 34,564 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Steuben County?
110 7(a) approvals totalling $33.2 m since FY2020, across 23 lenders, with a median approval of $100,000, plus 3 504 approvals worth $5.7 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Steuben County get paid back?
Of the 13 loans that have reached a final outcome, 13 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 Steuben County?
120 housing units were authorised by permit in 2024, with a declared construction value of $24.5 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Steuben 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 Steuben County come from?
The largest single origin is Steuben County Non-migrants, with 36,129 households. Arriving households report an average income of $61,668 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 Steuben 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 Steuben 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.