Lamoille County, Vermont: commercial real estate data.
Lamoille County, Vermont has a population of 26,148 across 459 square miles, up 1.2 percent since the 2020 census base. County output reached $1.65 bn in 2024, 1,001 establishments operate here, and the SBA record carries 59 7(a) approvals worth $10.5 m.
122 sourced county values · tier FULL · 11 sections
Lamoille County
How many people live in Lamoille County
- Population26,148
- Households11,923
- Average household size2.19
- Median household income$74,908
- Median age41.8
- Median gross rent$1,160 per month
- Median owner-occupied home value$304,700
- Home value to household income4.1 times
- Annual rent as a share of median income18.6 percent
- Adults 25 and over with a bachelor degree or higher44.3 percent
- Adults 25 and over with a graduate degree15.7 percent
- Adults 25 and over18,864
- Population under 185,176
- Share under 1819.8 percent
- Population 65 and over4,893
- Share 65 and over18.7 percent
- Working age population, 18 to 6416,079
- Civilian labor force15,266
- Unemployment rate3.3 percent
- Labor force participation, adults 18 and over72.8 percent
- Rank by population among Vermont counties12th of 14
- Rank by population among US county-equivalents1608th
Lamoille County is the 12th largest of 14 Vermont counties by population. A median home costs 4.1 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 19.8 percent against 18.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Lamoille County
Is Lamoille County growing
- Population change since the 2020 census base1.17 percent
- Census 2020 base population25,945
- Births, 2024239
- Deaths, 2024258
- Natural change, 2024-19
- Net domestic migration, 2024-132
- Net international migration, 2024167
- Total net migration, 202435
- Cumulative net domestic migration, 2021 to 2024-7
- Rank by growth among US county-equivalents1429th
The county has grown 1.17 percent 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.
Lamoille County
Where people moving to Lamoille County come from
- Tax returns filed by households arriving801
- People arriving, from those returns1,244
- Adjusted gross income arriving$76.9 m
- Net adjusted gross income movement$0
- Average income of an arriving household$96,065
- Largest single originLamoille County Non-migrants (11,252 households)
- Largest single destination (11,252 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Lamoille County Non-migrants | 11,252 | 20,555 | $1.10 bn |
| Other flows - Different State | 439 | 710 | $56.3 m |
| Other flows - Northeast | 227 | 352 | $32.8 m |
| Chittenden County | 137 | 193 | $8.4 m |
| Other flows - South | 110 | 186 | $15.6 m |
| Other flows - West | 76 | 130 | $6.4 m |
| Washington County | 57 | 81 | $3.4 m |
| Franklin County | 51 | 85 | $3.0 m |
The largest single source of arrivals is Lamoille 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.
Lamoille County
What the Lamoille County economy runs on
- County GDP, 2024$1.65 bn
- County GDP, 2023$1.58 bn
- GDP change, 2023 to 20244.5 percent
- GDP change over five years40.6 percent
- Rank by GDP among Vermont counties9th
- Rank by GDP among US county-equivalents1436th
- GDP per resident$63,247
Output grew 4.5 percent in the latest year and 40.6 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.
Lamoille County
Who employs people in Lamoille County
- Covered employment, annual average12,436
- Establishments reporting1,540
- Average annual pay$57,777
- Average weekly wage$1,111
- Sector 72, employment3,262
- Sector 72, average annual pay$40,149
- Sector 62, employment1,649
- Sector 62, average annual pay$66,581
- Sector 44-45, employment1,503
- Sector 44-45, average annual pay$38,469
- Sector 23, employment863
- Sector 23, average annual pay$65,216
- Sector 31-33, employment647
- Sector 54, employment479
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 72 | 3,262 | 123 | $40,149 |
| Sector 62 | 1,649 | 80 | $66,581 |
| Sector 44-45 | 1,503 | 141 | $38,469 |
| Sector 23 | 863 | 171 | $65,216 |
| Sector 31-33 | 647 | 45 | $62,445 |
| Sector 54 | 479 | 297 | $141,661 |
| Sector 56 | 442 | 160 | $60,904 |
| Sector 81 | 323 | 102 | $45,214 |
The largest sector is the biggest private employer group at 3,262 jobs, 26.2 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.
Lamoille County
What businesses operate in Lamoille County
- Establishments, all industries1,001
- Employment at those establishments11,129
- Annual payroll$510.9 m
- Establishments per 1,000 residents38.3
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.
Lamoille County
What is being built in Lamoille County
- Housing units authorised by permit, 2024126
- Declared construction value permitted$30.5 m
- Single family units authorised88
- Multifamily units authorised38
- Multifamily share of units30.2 percent
- Average declared value per unit$242,293
- Units authorised per 1,000 households10.6
Multifamily is 30.2 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Lamoille County
How much SBA lending happens in Lamoille County
- 7(a) approvals recorded59
- 7(a) gross approval dollars$10.5 m
- Average 7(a) approval$178,749
- Median 7(a) approval$50,000
- 10th percentile approval$20,000
- 90th percentile approval$350,000
- Largest single approval$3,865,000
- Jobs reported supported, 7(a)461
- Jobs per approval7.8
- Distinct 7(a) lenders active15
- Distinct industries receiving approvals38
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer3.4 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter52
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countLandscaping Services (7)
- Most active lenderCommunity National Bank (15)
- 504 approvals recorded23
- 504 gross approval dollars$18.2 m
- Average 504 approval$790,913
- Median 504 approval$350,000
- Distinct CDCs active2
- 504 jobs per approval5.7
- 504 jobs per million dollars approved7.3
- Most active CDCGranite State Economic Development Corporation (17)
- 7(a) share of SBA approvals72.0 percent
- Combined SBA approval dollars$28.7 m
The average approval of $178,749 sits well above the median of $50,000, 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 3.4 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.
Lamoille County
Do SBA loans in Lamoille County get paid back
- Loans with a final outcome recorded21
- Paid in full21
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Exempt from disclosure30
- Status: Paid in full21
- Status: Cancelled5
- Status: Committed, not yet disbursed3
Of the 21 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.
Lamoille County
Which parts of Lamoille County get the lending
- Places in the county with recorded lending11
- Stowe, approvals19
- Morrisville, approvals19
- Eden, approvals5
- Johnson, approvals5
- Cambridge, approvals2
- Hyde Park, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Stowe | 19 | $2,461,600 |
| Morrisville | 19 | $4,803,200 |
| Eden | 5 | $1,399,600 |
| Johnson | 5 | $453,000 |
| Cambridge | 2 | $225,000 |
| Hyde Park | 2 | $276,800 |
| Jeffersonville | 2 | $140,000 |
| LAKE ELMORE | 2 | $85,000 |
Stowe accounts for 19 approvals against 19 in Morrisville. 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.
Lamoille County
How big is Lamoille County
- Land area459 sq mi
- Rank by land area among Vermont counties13th of 14
- Width, east to west27.1 mi
- Height, north to south26.8 mi
- Geographies sharing a boundary5
- Residents per square mile of land57
- Establishments per square mile2.18
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.
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.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- 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 Lamoille 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 Lamoille County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population26,148
- Households11,923
- Average household size2.19
- Median household income$74,908
- Median age41.8
Common questions
Lamoille County questions, answered from the record.
How many people live in Lamoille County, Vermont?
26,148, in 11,923 households, ranking 12th of 14 Vermont counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Lamoille County growing?
The population has grown 1.17 percent since the 2020 census base. In 2024 there were 239 births against 258 deaths, with net migration of 35. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Lamoille County?
$74,908. The median owner-occupied home is valued at $304,700, which is 4.1 times income, and median gross rent is $1,160 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Lamoille County?
1,001 establishments, employing 11,129 people with an annual payroll of $510.9 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 Lamoille County?
Average annual pay is $57,777, or $1,111 a week, across 12,436 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Lamoille County?
59 7(a) approvals totalling $10.5 m since FY2020, across 15 lenders, with a median approval of $50,000, plus 23 504 approvals worth $18.2 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Lamoille County get paid back?
Of the 21 loans that have reached a final outcome, 21 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 Lamoille County?
126 housing units were authorised by permit in 2024, with a declared construction value of $30.5 m. Multifamily was 30.2 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Lamoille 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 Lamoille County come from?
The largest single origin is Lamoille County Non-migrants, with 11,252 households. Arriving households report an average income of $96,065 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 Lamoille 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 Lamoille 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.