HomePennsylvaniaSomerset County
Somerset County, Pennsylvania: commercial real estate data.
Somerset County, Pennsylvania has a population of 72,799 across 1,074 square miles, down 2.7 percent since the 2020 census base. County output reached $3.04 bn in 2024, 1,647 establishments operate here, and the SBA record carries 43 7(a) approvals worth $36.8 m.
127 sourced county values · tier FULL · 12 sections
Somerset County
How many people live in Somerset County
- Population72,799
- Households29,344
- Average household size2.48
- Median household income$61,446
- Median age46.9
- Median gross rent$753 per month
- Median owner-occupied home value$150,600
- Home value to household income2.5 times
- Annual rent as a share of median income14.7 percent
- Adults 25 and over with a bachelor degree or higher17.9 percent
- Adults 25 and over with a graduate degree6.3 percent
- Adults 25 and over54,558
- Population under 1813,227
- Share under 1818.2 percent
- Population 65 and over17,404
- Share 65 and over23.9 percent
- Working age population, 18 to 6442,168
- Civilian labor force34,027
- Unemployment rate4.9 percent
- Labor force participation, adults 18 and over57.1 percent
- Rank by population among Pennsylvania counties37th of 67
- Rank by population among US county-equivalents769th
Somerset County is the 37th largest of 67 Pennsylvania counties by population. A median home costs 2.5 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 23.9 percent against 18.2 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.
Somerset County
Is Somerset County growing
- Population change since the 2020 census base-2.70 percent
- Census 2020 base population74,137
- Births, 2024581
- Deaths, 2024985
- Natural change, 2024-404
- Net domestic migration, 2024289
- Net international migration, 202422
- Total net migration, 2024311
- Cumulative net domestic migration, 2021 to 2024170
- Rank by growth among US county-equivalents2677th
The county has lost 2.70 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.
Somerset County
Where people moving to Somerset County come from
- Tax returns filed by households arriving1,170
- People arriving, from those returns1,958
- Adjusted gross income arriving$73.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$62,846
- Largest single originSomerset County Non-migrants (28,894 households)
- Largest single destination (28,894 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Somerset County Non-migrants | 28,894 | 56,657 | $1.85 bn |
| Other flows - Different State | 377 | 674 | $26.3 m |
| Cambria County | 272 | 479 | $18.8 m |
| Other flows - Same State | 231 | 353 | $8.9 m |
| Other flows - South | 215 | 375 | $15.3 m |
| Westmoreland County | 89 | 143 | $5.9 m |
| Allegheny County | 75 | 105 | $8.0 m |
| Other flows - West | 67 | 119 | $3.9 m |
The largest single source of arrivals is Somerset 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.
Somerset County
What the Somerset County economy runs on
- County GDP, 2024$3.04 bn
- County GDP, 2023$2.98 bn
- GDP change, 2023 to 20242.0 percent
- GDP change over five years24.5 percent
- Rank by GDP among Pennsylvania counties40th
- Rank by GDP among US county-equivalents971st
- GDP per resident$41,729
Output grew 2.0 percent in the latest year and 24.5 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.
Somerset County
Who employs people in Somerset County
- Covered employment, annual average23,303
- Establishments reporting1,862
- Average annual pay$50,925
- Average weekly wage$979
- Sector 62, employment3,853
- Sector 62, average annual pay$52,639
- Sector 31-33, employment2,563
- Sector 31-33, average annual pay$60,953
- Sector 44-45, employment2,491
- Sector 44-45, average annual pay$33,640
- Sector 72, employment2,370
- Sector 72, average annual pay$22,996
- Sector 42, employment1,110
- Sector 48-49, employment1,089
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 3,853 | 272 | $52,639 |
| Sector 31-33 | 2,563 | 115 | $60,953 |
| Sector 44-45 | 2,491 | 214 | $33,640 |
| Sector 72 | 2,370 | 155 | $22,996 |
| Sector 42 | 1,110 | 82 | $59,571 |
| Sector 48-49 | 1,089 | 76 | $54,154 |
| Sector 23 | 1,053 | 171 | $61,264 |
| Sector 81 | 840 | 184 | $27,844 |
The largest sector is the biggest private employer group at 3,853 jobs, 16.5 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.
Somerset County
What businesses operate in Somerset County
- Establishments, all industries1,647
- Employment at those establishments18,678
- Annual payroll$979.2 m
- Establishments per 1,000 residents22.6
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.
Somerset County
What is being built in Somerset County
- Housing units authorised by permit, 202472
- Declared construction value permitted$22.0 m
- Single family units authorised72
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$305,733
- Units authorised per 1,000 households2.5
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Somerset County
How much SBA lending happens in Somerset County
- 7(a) approvals recorded43
- 7(a) gross approval dollars$36.8 m
- Average 7(a) approval$856,040
- Median 7(a) approval$300,000
- 10th percentile approval$45,000
- 90th percentile approval$2,051,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)742
- Jobs per approval17.3
- Distinct 7(a) lenders active16
- Distinct industries receiving approvals21
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer32.6 percent
- Loans on real estate terms14
- Loans on working capital terms, 120 months or shorter26
- Franchise loans12
- Franchise share of approvals27.9 percent
- Leading industry by approval countResidential Remodelers (9)
- Most active lenderFirst Commonwealth Bank (12)
- 504 approvals recorded4
- 504 gross approval dollars$5.6 m
- Average 504 approval$1,402,500
- Median 504 approval$768,000
- Distinct CDCs active2
- 504 jobs per approval18.8
- 504 jobs per million dollars approved13.4
- Most active CDCEmpire State Certified Development Corporation (3)
- 7(a) share of SBA approvals91.5 percent
- Combined SBA approval dollars$42.4 m
The average approval of $856,040 sits well above the median of $300,000, 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. 32.6 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
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.
Somerset County
Do SBA loans in Somerset County get paid back
- Loans with a final outcome recorded7
- Paid in full3
- Charged off4
- Status: Exempt from disclosure27
- Status: Cancelled8
- Status: Charged off4
- Status: Paid in full3
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 7 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.
Somerset County
Which parts of Somerset County get the lending
- Places in the county with recorded lending13
- SOMERSET, approvals18
- WINDBER, approvals6
- SALISBURY, approvals3
- BOSWELL, approvals3
- ROCKWOOD, approvals2
- HYNDMAN, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| SOMERSET | 18 | $25,293,400 |
| WINDBER | 6 | $2,845,000 |
| SALISBURY | 3 | $294,000 |
| BOSWELL | 3 | $2,466,000 |
| ROCKWOOD | 2 | $625,000 |
| HYNDMAN | 2 | $70,000 |
| STOYSTOWN | 2 | $2,050,000 |
| Berlin | 2 | $525,000 |
SOMERSET accounts for 18 approvals against 6 in WINDBER. 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.
Somerset County
How big is Somerset County
- Land area1,074 sq mi
- Rank by land area among Pennsylvania counties7th of 67
- Width, east to west40.2 mi
- Height, north to south38.9 mi
- Geographies sharing a boundary4
- Residents per square mile of land68
- Establishments per square mile1.53
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.
Somerset County
What hazards affect Somerset County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book47
- Of those, participating in the NFIP45
- NFIP participation rate95.7 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 Somerset 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 Somerset County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population72,799
- Households29,344
- Average household size2.48
- Median household income$61,446
- Median age46.9
Common questions
Somerset County questions, answered from the record.
How many people live in Somerset County, Pennsylvania?
72,799, in 29,344 households, ranking 37th of 67 Pennsylvania counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Somerset County growing?
The population has fallen 2.70 percent since the 2020 census base. In 2024 there were 581 births against 985 deaths, with net migration of 311. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Somerset County?
$61,446. The median owner-occupied home is valued at $150,600, which is 2.5 times income, and median gross rent is $753 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Somerset County?
1,647 establishments, employing 18,678 people with an annual payroll of $979.2 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 Somerset County?
Average annual pay is $50,925, or $979 a week, across 23,303 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Somerset County?
43 7(a) approvals totalling $36.8 m since FY2020, across 16 lenders, with a median approval of $300,000, plus 4 504 approvals worth $5.6 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Somerset County?
72 housing units were authorised by permit in 2024, with a declared construction value of $22.0 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Somerset 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 Somerset County come from?
The largest single origin is Somerset County Non-migrants, with 28,894 households. Arriving households report an average income of $62,846 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 Somerset 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 Somerset 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.