Windham County, Vermont: commercial real estate data.
Windham County, Vermont has a population of 45,923 across 785 square miles, down 0.7 percent since the 2020 census base. County output reached $3.10 bn in 2024, 1,657 establishments operate here, and the SBA record carries 83 7(a) approvals worth $34.4 m.
122 sourced county values · tier FULL · 11 sections
Windham County
How many people live in Windham County
- Population45,923
- Households19,784
- Average household size2.32
- Median household income$72,217
- Median age47.3
- Median gross rent$1,056 per month
- Median owner-occupied home value$279,600
- Home value to household income3.9 times
- Annual rent as a share of median income17.5 percent
- Adults 25 and over with a bachelor degree or higher44.0 percent
- Adults 25 and over with a graduate degree21.3 percent
- Adults 25 and over34,265
- Population under 187,729
- Share under 1816.8 percent
- Population 65 and over11,747
- Share 65 and over25.6 percent
- Working age population, 18 to 6426,447
- Civilian labor force24,337
- Unemployment rate4.8 percent
- Labor force participation, adults 18 and over63.7 percent
- Rank by population among Vermont counties6th of 14
- Rank by population among US county-equivalents1085th
Windham County is the 6th largest of 14 Vermont counties by population. A median home costs 3.9 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 25.6 percent against 16.8 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.
Windham County
Is Windham County growing
- Population change since the 2020 census base-0.66 percent
- Census 2020 base population45,930
- Births, 2024294
- Deaths, 2024506
- Natural change, 2024-212
- Net domestic migration, 2024-200
- Net international migration, 202452
- Total net migration, 2024-148
- Cumulative net domestic migration, 2021 to 2024467
- Rank by growth among US county-equivalents2076th
The county has lost 0.66 percent of its population since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Windham County
Where people moving to Windham County come from
- Tax returns filed by households arriving1,310
- People arriving, from those returns2,036
- Adjusted gross income arriving$104.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$79,973
- Largest single originWindham County Non-migrants (18,807 households)
- Largest single destination (18,807 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Windham County Non-migrants | 18,807 | 33,329 | $1.35 bn |
| Other flows - Different State | 784 | 1,247 | $71.2 m |
| Other flows - Northeast | 413 | 646 | $37.3 m |
| Other flows - South | 176 | 297 | $19.0 m |
| Other flows - West | 127 | 205 | $10.0 m |
| Cheshire County | 110 | 171 | $5.5 m |
| Windsor County | 71 | 110 | $3.4 m |
| Other flows - Midwest | 68 | 99 | $4.8 m |
The largest single source of arrivals is Windham 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.
Windham County
What the Windham County economy runs on
- County GDP, 2024$3.10 bn
- County GDP, 2023$3.05 bn
- GDP change, 2023 to 20241.7 percent
- GDP change over five years25.4 percent
- Rank by GDP among Vermont counties5th
- Rank by GDP among US county-equivalents953rd
- GDP per resident$67,455
Output grew 1.7 percent in the latest year and 25.4 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.
Windham County
Who employs people in Windham County
- Covered employment, annual average20,831
- Establishments reporting2,493
- Average annual pay$56,758
- Average weekly wage$1,092
- Sector 62, employment3,240
- Sector 62, average annual pay$63,371
- Sector 72, employment2,894
- Sector 72, average annual pay$31,677
- Sector 44-45, employment2,312
- Sector 44-45, average annual pay$41,736
- Sector 31-33, employment1,943
- Sector 31-33, average annual pay$65,226
- Sector 61, employment1,353
- Sector 23, employment1,200
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 3,240 | 182 | $63,371 |
| Sector 72 | 2,894 | 194 | $31,677 |
| Sector 44-45 | 2,312 | 223 | $41,736 |
| Sector 31-33 | 1,943 | 90 | $65,226 |
| Sector 61 | 1,353 | 92 | $47,525 |
| Sector 23 | 1,200 | 244 | $68,659 |
| Sector 42 | 872 | 102 | $70,483 |
| Sector 56 | 750 | 250 | $59,321 |
The largest sector is the biggest private employer group at 3,240 jobs, 15.6 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.
Windham County
What businesses operate in Windham County
- Establishments, all industries1,657
- Employment at those establishments19,316
- Annual payroll$902.6 m
- Establishments per 1,000 residents36.1
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.
Windham County
What is being built in Windham County
- Housing units authorised by permit, 2024178
- Declared construction value permitted$43.3 m
- Single family units authorised160
- Multifamily units authorised18
- Multifamily share of units10.1 percent
- Average declared value per unit$243,079
- Units authorised per 1,000 households9.0
Multifamily is 10.1 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Windham County
How much SBA lending happens in Windham County
- 7(a) approvals recorded83
- 7(a) gross approval dollars$34.4 m
- Average 7(a) approval$414,857
- Median 7(a) approval$100,000
- 10th percentile approval$20,000
- 90th percentile approval$1,167,000
- Largest single approval$4,648,000
- Jobs reported supported, 7(a)592
- Jobs per approval7.1
- Distinct 7(a) lenders active23
- Distinct industries receiving approvals47
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer12.0 percent
- Loans on real estate terms10
- Loans on working capital terms, 120 months or shorter72
- Franchise loans3
- Franchise share of approvals3.6 percent
- Leading industry by approval countLandscaping Services (6)
- Most active lenderManufacturers and Traders Trust Company (24)
- 504 approvals recorded17
- 504 gross approval dollars$6.4 m
- Average 504 approval$376,000
- Median 504 approval$293,000
- Distinct CDCs active4
- 504 jobs per approval5.2
- 504 jobs per million dollars approved13.9
- Most active CDCGranite State Economic Development Corporation (12)
- 7(a) share of SBA approvals83.0 percent
- Combined SBA approval dollars$40.8 m
The average approval of $414,857 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 12.0 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.
Windham County
Do SBA loans in Windham County get paid back
- Loans with a final outcome recorded15
- Paid in full15
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Paid in full15
- Status: Exempt from disclosure49
- Status: Cancelled12
- Status: Committed, not yet disbursed7
Of the 15 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.
Windham County
Which parts of Windham County get the lending
- Places in the county with recorded lending21
- Brattleboro, approvals32
- BELLOWS FALLS, approvals12
- Wilmington, approvals6
- VERNON, approvals5
- WESTMINSTER, approvals4
- PUTNEY, approvals3
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Brattleboro | 32 | $10,602,500 |
| BELLOWS FALLS | 12 | $10,492,500 |
| Wilmington | 6 | $356,000 |
| VERNON | 5 | $7,625,000 |
| WESTMINSTER | 4 | $221,800 |
| PUTNEY | 3 | $346,000 |
| LONDONDERRY | 3 | $685,000 |
| TOWNSHEND | 2 | $96,000 |
Brattleboro accounts for 32 approvals against 12 in BELLOWS FALLS. 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.
Windham County
How big is Windham County
- Land area785 sq mi
- Rank by land area among Vermont counties3rd of 14
- Width, east to west29.8 mi
- Height, north to south36.5 mi
- Geographies sharing a boundary2
- Residents per square mile of land59
- Establishments per square mile2.11
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 Windham 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 Windham County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population45,923
- Households19,784
- Average household size2.32
- Median household income$72,217
- Median age47.3
Common questions
Windham County questions, answered from the record.
How many people live in Windham County, Vermont?
45,923, in 19,784 households, ranking 6th of 14 Vermont counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Windham County growing?
The population has fallen 0.66 percent since the 2020 census base. In 2024 there were 294 births against 506 deaths, with net migration of -148. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Windham County?
$72,217. The median owner-occupied home is valued at $279,600, which is 3.9 times income, and median gross rent is $1,056 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Windham County?
1,657 establishments, employing 19,316 people with an annual payroll of $902.6 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 Windham County?
Average annual pay is $56,758, or $1,092 a week, across 20,831 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Windham County?
83 7(a) approvals totalling $34.4 m since FY2020, across 23 lenders, with a median approval of $100,000, plus 17 504 approvals worth $6.4 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Windham County get paid back?
Of the 15 loans that have reached a final outcome, 15 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 Windham County?
178 housing units were authorised by permit in 2024, with a declared construction value of $43.3 m. Multifamily was 10.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Windham 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 Windham County come from?
The largest single origin is Windham County Non-migrants, with 18,807 households. Arriving households report an average income of $79,973 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 Windham 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 Windham 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.