Suffolk County, New York: commercial real estate data.
Suffolk County, New York has a population of 1,530,146 across 912 square miles, up 0.7 percent since the 2020 census base. County output reached $139.01 bn in 2024, 50,748 establishments operate here, and the SBA record carries 2,394 7(a) approvals worth $993.2 m.
129 sourced county values · tier FULL · 12 sections
Suffolk County
How many people live in Suffolk County
- Population1,530,146
- Households512,565
- Average household size2.99
- Median household income$130,686
- Median age41.7
- Median gross rent$2,255 per month
- Median owner-occupied home value$578,400
- Home value to household income4.4 times
- Annual rent as a share of median income20.7 percent
- Adults 25 and over with a bachelor degree or higher40.2 percent
- Adults 25 and over with a graduate degree18.6 percent
- Adults 25 and over1,075,649
- Population under 18317,899
- Share under 1820.8 percent
- Population 65 and over274,038
- Share 65 and over17.9 percent
- Working age population, 18 to 64938,209
- Civilian labor force820,542
- Unemployment rate4.7 percent
- Labor force participation, adults 18 and over67.7 percent
- Rank by population among New York counties4th of 62
- Rank by population among US county-equivalents26th
Suffolk County is the 4th largest of 62 New York counties by population. A median home costs 4.4 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 20.8 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.
Suffolk County
Is Suffolk County growing
- Population change since the 2020 census base0.66 percent
- Census 2020 base population1,525,913
- Births, 202416,207
- Deaths, 202412,813
- Natural change, 20243,394
- Net domestic migration, 2024-6,469
- Net international migration, 20249,881
- Total net migration, 20243,412
- Cumulative net domestic migration, 2021 to 2024-21,113
- Rank by growth among US county-equivalents1600th
The county has grown 0.66 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.
Suffolk County
Where people moving to Suffolk County come from
- Tax returns filed by households arriving25,413
- People arriving, from those returns42,861
- Adjusted gross income arriving$3.67 bn
- Net adjusted gross income movement$0
- Average income of an arriving household$144,254
- Largest single originSuffolk County Non-migrants (660,832 households)
- Largest single destination (660,832 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Suffolk County Non-migrants | 660,832 | 1,260,896 | $84.30 bn |
| Nassau County | 8,118 | 13,835 | $966.4 m |
| Queens County | 4,540 | 8,701 | $386.6 m |
| Other flows - Different State | 2,513 | 3,981 | $216.3 m |
| Kings County | 1,973 | 3,523 | $260.1 m |
| New York County | 1,651 | 2,638 | $851.9 m |
| Other flows - South | 1,193 | 1,960 | $105.3 m |
| Other flows - Northeast | 537 | 806 | $41.1 m |
The largest single source of arrivals is Suffolk 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.
Suffolk County
What the Suffolk County economy runs on
- County GDP, 2024$139.01 bn
- County GDP, 2023$131.32 bn
- GDP change, 2023 to 20245.9 percent
- GDP change over five years28.7 percent
- Rank by GDP among New York counties4th
- Rank by GDP among US county-equivalents35th
- GDP per resident$90,850
Output grew 5.9 percent in the latest year and 28.7 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.
Suffolk County
Who employs people in Suffolk County
- Covered employment, annual average679,594
- Establishments reporting56,343
- Average annual pay$79,121
- Average weekly wage$1,522
- Sector 62, employment101,618
- Sector 62, average annual pay$74,532
- Sector 44-45, employment73,514
- Sector 44-45, average annual pay$49,088
- Sector 72, employment55,158
- Sector 72, average annual pay$34,481
- Sector 31-33, employment50,905
- Sector 31-33, average annual pay$86,925
- Sector 56, employment48,759
- Sector 23, employment47,437
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 101,618 | 5,093 | $74,532 |
| Sector 44-45 | 73,514 | 5,738 | $49,088 |
| Sector 72 | 55,158 | 3,905 | $34,481 |
| Sector 31-33 | 50,905 | 1,851 | $86,925 |
| Sector 56 | 48,759 | 4,485 | $67,574 |
| Sector 23 | 47,437 | 7,582 | $88,821 |
| Sector 54 | 39,264 | 6,109 | $102,231 |
| Sector 42 | 34,096 | 2,814 | $96,337 |
The largest sector is the biggest private employer group at 101,618 jobs, 15.0 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.
Suffolk County
What businesses operate in Suffolk County
- Establishments, all industries50,748
- Employment at those establishments592,580
- Annual payroll$39.33 bn
- Establishments per 1,000 residents33.2
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.
Suffolk County
What is being built in Suffolk County
- Housing units authorised by permit, 20241,407
- Declared construction value permitted$914.1 m
- Single family units authorised1,137
- Multifamily units authorised270
- Multifamily share of units19.2 percent
- Average declared value per unit$649,683
- Units authorised per 1,000 households2.7
Multifamily is 19.2 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Suffolk County
How much SBA lending happens in Suffolk County
- 7(a) approvals recorded2,394
- 7(a) gross approval dollars$993.2 m
- Average 7(a) approval$414,885
- Median 7(a) approval$150,000
- 10th percentile approval$25,000
- 90th percentile approval$1,060,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)21,395
- Jobs per approval8.9
- Distinct 7(a) lenders active129
- Distinct industries receiving approvals398
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer9.4 percent
- Loans on real estate terms224
- Loans on working capital terms, 120 months or shorter2,106
- Franchise loans156
- Franchise share of approvals6.5 percent
- Leading industry by approval countFull-Service Restaurants (95)
- Most active lenderTD Bank, National Association (580)
- 504 approvals recorded505
- 504 gross approval dollars$543.7 m
- Average 504 approval$1,076,578
- Median 504 approval$713,000
- Distinct CDCs active3
- 504 jobs per approval7.9
- 504 jobs per million dollars approved7.3
- Most active CDCEmpire State Certified Development Corporation (477)
- 7(a) share of SBA approvals82.6 percent
- Combined SBA approval dollars$1.54 bn
The average approval of $414,885 sits well above the median of $150,000, 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 9.4 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.
Suffolk County
Do SBA loans in Suffolk County get paid back
- Loans with a final outcome recorded379
- Paid in full296
- Charged off83
- Charge off rate on resolved loans21.9 percent
- Status: Exempt from disclosure1,535
- Status: Paid in full296
- Status: Charged off83
- Status: Cancelled330
- Status: Committed, not yet disbursed150
| NAICS | Industry | Resolved loans | Charged off | Charge off rate |
|---|---|---|---|---|
| 236118 | Residential Remodelers | 20 | 3 | 15.0% |
| 722513 | Limited-Service Restaurants | 14 | 2 | 14.3% |
| 524210 | Insurance Agencies and Brokerages | 11 | 1 | 9.1% |
| 238990 | All Other Specialty Trade Contractors | 10 | 0 | 0.0% |
| 561730 | Landscaping Services | 10 | 2 | 20.0% |
Of the 379 loans that have reached a final outcome, 21.9 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. Among industries with at least ten resolved loans, Landscaping Services carries the highest charge off rate at 20.0 percent.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Suffolk County
Which parts of Suffolk County get the lending
- Places in the county with recorded lending127
- RONKONKOMA, approvals91
- Bay Shore, approvals83
- Deer Park, approvals79
- Huntington, approvals74
- Smithtown, approvals73
- HUNTINGTON STATION, approvals66
| Place | Approvals | Gross approval dollars |
|---|---|---|
| RONKONKOMA | 91 | $42,563,300 |
| Bay Shore | 83 | $45,533,800 |
| Deer Park | 79 | $31,248,400 |
| Huntington | 74 | $36,205,500 |
| Smithtown | 73 | $25,776,100 |
| HUNTINGTON STATION | 66 | $21,330,700 |
| BOHEMIA | 62 | $38,845,900 |
| Melville | 62 | $20,497,300 |
RONKONKOMA accounts for 91 approvals against 83 in Bay Shore. 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.
Suffolk County
How big is Suffolk County
- Land area912 sq mi
- Rank by land area among New York counties20th of 62
- Width, east to west85.7 mi
- Height, north to south47 mi
- Geographies sharing a boundary1
- Residents per square mile of land1,678
- Establishments per square mile55.64
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.
Suffolk County
What hazards affect Suffolk County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book43
- Of those, participating in the NFIP43
- 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 10
- Communities carrying a CRS class5
The EPA places the county in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L. The best Community Rating System class in the county is 10, 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 Suffolk 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 Suffolk County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population1,530,146
- Households512,565
- Average household size2.99
- Median household income$130,686
- Median age41.7
Common questions
Suffolk County questions, answered from the record.
How many people live in Suffolk County, New York?
1,530,146, in 512,565 households, ranking 4th of 62 New York counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Suffolk County growing?
The population has grown 0.66 percent since the 2020 census base. In 2024 there were 16,207 births against 12,813 deaths, with net migration of 3,412. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Suffolk County?
$130,686. The median owner-occupied home is valued at $578,400, which is 4.4 times income, and median gross rent is $2,255 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Suffolk County?
50,748 establishments, employing 592,580 people with an annual payroll of $39.33 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 Suffolk County?
Average annual pay is $79,121, or $1,522 a week, across 679,594 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Suffolk County?
2,394 7(a) approvals totalling $993.2 m since FY2020, across 129 lenders, with a median approval of $150,000, plus 505 504 approvals worth $543.7 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Suffolk County get paid back?
Of the 379 loans that have reached a final outcome, 296 were paid in full and 83 charged off, a charge off rate of 21.9 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Suffolk County?
1,407 housing units were authorised by permit in 2024, with a declared construction value of $914.1 m. Multifamily was 19.2 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Suffolk County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Suffolk County come from?
The largest single origin is Suffolk County Non-migrants, with 660,832 households. Arriving households report an average income of $144,254 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 Suffolk 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 Suffolk 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.