HomePennsylvaniaUnion County
Union County, Pennsylvania: commercial real estate data.
Union County, Pennsylvania has a population of 42,456 across 316 square miles, down 1.2 percent since the 2020 census base. County output reached $2.51 bn in 2024, 960 establishments operate here, and the SBA record carries 41 7(a) approvals worth $7.1 m.
127 sourced county values · tier FULL · 12 sections
Union County
How many people live in Union County
- Population42,456
- Households14,546
- Average household size2.92
- Median household income$76,404
- Median age41.0
- Median gross rent$974 per month
- Median owner-occupied home value$240,100
- Home value to household income3.1 times
- Annual rent as a share of median income15.3 percent
- Adults 25 and over with a bachelor degree or higher26.5 percent
- Adults 25 and over with a graduate degree12.0 percent
- Adults 25 and over29,150
- Population under 187,370
- Share under 1817.4 percent
- Population 65 and over8,439
- Share 65 and over19.9 percent
- Working age population, 18 to 6426,647
- Civilian labor force17,812
- Unemployment rate2.2 percent
- Labor force participation, adults 18 and over50.8 percent
- Rank by population among Pennsylvania counties50th of 67
- Rank by population among US county-equivalents1158th
Union County is the 50th largest of 67 Pennsylvania counties by population. A median home costs 3.1 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 19.9 percent against 17.4 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.
Union County
Is Union County growing
- Population change since the 2020 census base-1.23 percent
- Census 2020 base population42,685
- Births, 2024352
- Deaths, 2024383
- Natural change, 2024-31
- Net domestic migration, 2024-198
- Net international migration, 2024148
- Total net migration, 2024-50
- Cumulative net domestic migration, 2021 to 2024-620
- Rank by growth among US county-equivalents2271st
The county has lost 1.23 percent of its population since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Union County
Where people moving to Union County come from
- Tax returns filed by households arriving923
- People arriving, from those returns1,607
- Adjusted gross income arriving$67.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$73,354
- Largest single originUnion County Non-migrants (14,042 households)
- Largest single destination (14,042 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Union County Non-migrants | 14,042 | 29,172 | $1.20 bn |
| Other flows - Different State | 273 | 456 | $31.7 m |
| Northumberland County | 229 | 391 | $11.0 m |
| Other flows - Same State | 175 | 333 | $10.8 m |
| Snyder County | 114 | 194 | $5.8 m |
| Other flows - South | 113 | 194 | $15.9 m |
| Lycoming County | 74 | 139 | $3.9 m |
| Other flows - Northeast | 70 | 104 | $8.5 m |
The largest single source of arrivals is Union 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.
Union County
What the Union County economy runs on
- County GDP, 2024$2.51 bn
- County GDP, 2023$2.38 bn
- GDP change, 2023 to 20245.4 percent
- GDP change over five years30.8 percent
- Rank by GDP among Pennsylvania counties46th
- Rank by GDP among US county-equivalents1102nd
- GDP per resident$59,131
Output grew 5.4 percent in the latest year and 30.8 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.
Union County
Who employs people in Union County
- Covered employment, annual average17,546
- Establishments reporting1,018
- Average annual pay$58,821
- Average weekly wage$1,131
- Sector 44-45, employment2,051
- Sector 44-45, average annual pay$33,781
- Sector 31-33, employment1,824
- Sector 31-33, average annual pay$58,146
- Sector 72, employment1,745
- Sector 72, average annual pay$22,101
- Sector 23, employment717
- Sector 23, average annual pay$68,025
- Sector 56, employment524
- Sector 48-49, employment488
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 2,051 | 142 | $33,781 |
| Sector 31-33 | 1,824 | 50 | $58,146 |
| Sector 72 | 1,745 | 90 | $22,101 |
| Sector 23 | 717 | 88 | $68,025 |
| Sector 56 | 524 | 38 | $46,345 |
| Sector 48-49 | 488 | 32 | $74,863 |
| Sector 81 | 446 | 101 | $31,171 |
| Sector 52 | 391 | 54 | $69,419 |
The largest sector is the biggest private employer group at 2,051 jobs, 11.7 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.
Union County
What businesses operate in Union County
- Establishments, all industries960
- Employment at those establishments16,233
- Annual payroll$840.6 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.
Union County
What is being built in Union County
- Housing units authorised by permit, 202454
- Declared construction value permitted$17.9 m
- Single family units authorised48
- Multifamily units authorised6
- Multifamily share of units11.1 percent
- Average declared value per unit$331,803
- Units authorised per 1,000 households3.7
Multifamily is 11.1 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Union County
How much SBA lending happens in Union County
- 7(a) approvals recorded41
- 7(a) gross approval dollars$7.1 m
- Average 7(a) approval$171,963
- Median 7(a) approval$45,000
- 10th percentile approval$10,000
- 90th percentile approval$350,000
- Largest single approval$1,750,000
- Jobs reported supported, 7(a)276
- Jobs per approval6.7
- Distinct 7(a) lenders active12
- Distinct industries receiving approvals29
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer2.4 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter40
- Franchise loans6
- Franchise share of approvals14.6 percent
- Leading industry by approval countOther Personal Care Services (4)
- Most active lenderManufacturers and Traders Trust Company (29)
- 504 approvals recorded6
- 504 gross approval dollars$3.7 m
- Average 504 approval$610,333
- Median 504 approval$371,000
- Distinct CDCs active1
- 504 jobs per approval9.2
- 504 jobs per million dollars approved15.0
- Most active CDCSEDA-COG Local Development Corporation (6)
- 7(a) share of SBA approvals87.2 percent
- Combined SBA approval dollars$10.7 m
The average approval of $171,963 sits well above the median of $45,000, 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 2.4 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.
Union County
Do SBA loans in Union County get paid back
- Loans with a final outcome recorded6
- Paid in full4
- Charged off2
- Status: Paid in full4
- Status: Cancelled7
- Status: Exempt from disclosure23
- Status: Committed, not yet disbursed5
- Status: Charged off2
Too few loans have reached a final outcome to publish a charge off rate. only 6 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.
Union County
Which parts of Union County get the lending
- Places in the county with recorded lending5
- LEWISBURG, approvals26
- Mifflinburg, approvals10
- Winfield, approvals2
- NEW BERLIN, approvals2
- Millmont, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| LEWISBURG | 26 | $4,062,200 |
| Mifflinburg | 10 | $2,334,500 |
| Winfield | 2 | $30,000 |
| NEW BERLIN | 2 | $33,000 |
| Millmont | 1 | $590,800 |
LEWISBURG accounts for 26 approvals against 10 in Mifflinburg. 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.
Union County
How big is Union County
- Land area316 sq mi
- Rank by land area among Pennsylvania counties64th of 67
- Width, east to west29.5 mi
- Height, north to south22.9 mi
- Geographies sharing a boundary6
- Residents per square mile of land134
- Establishments per square mile3.04
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.
Union County
What hazards affect Union 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 NFIP13
- 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 class3
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 Union 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 Union County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population42,456
- Households14,546
- Average household size2.92
- Median household income$76,404
- Median age41.0
Common questions
Union County questions, answered from the record.
How many people live in Union County, Pennsylvania?
42,456, in 14,546 households, ranking 50th of 67 Pennsylvania counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Union County growing?
The population has fallen 1.23 percent since the 2020 census base. In 2024 there were 352 births against 383 deaths, with net migration of -50. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Union County?
$76,404. The median owner-occupied home is valued at $240,100, which is 3.1 times income, and median gross rent is $974 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Union County?
960 establishments, employing 16,233 people with an annual payroll of $840.6 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 Union County?
Average annual pay is $58,821, or $1,131 a week, across 17,546 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Union County?
41 7(a) approvals totalling $7.1 m since FY2020, across 12 lenders, with a median approval of $45,000, plus 6 504 approvals worth $3.7 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Union County?
54 housing units were authorised by permit in 2024, with a declared construction value of $17.9 m. Multifamily was 11.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Union 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 Union County come from?
The largest single origin is Union County Non-migrants, with 14,042 households. Arriving households report an average income of $73,354 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 Union 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 Union 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.