Windsor County, Vermont: commercial real estate data.
Windsor County, Vermont has a population of 57,990 across 969 square miles, down 0.1 percent since the 2020 census base. County output reached $3.76 bn in 2024, 1,926 establishments operate here, and the SBA record carries 60 7(a) approvals worth $19.8 m.
123 sourced county values · tier FULL · 11 sections
Windsor County
How many people live in Windsor County
- Population57,990
- Households25,293
- Average household size2.29
- Median household income$77,594
- Median age47.6
- Median gross rent$1,118 per month
- Median owner-occupied home value$296,400
- Home value to household income3.8 times
- Annual rent as a share of median income17.3 percent
- Adults 25 and over with a bachelor degree or higher43.0 percent
- Adults 25 and over with a graduate degree18.3 percent
- Adults 25 and over44,040
- Population under 1810,186
- Share under 1817.6 percent
- Population 65 and over14,795
- Share 65 and over25.5 percent
- Working age population, 18 to 6433,009
- Civilian labor force29,902
- Unemployment rate4.4 percent
- Labor force participation, adults 18 and over62.6 percent
- Rank by population among Vermont counties4th of 14
- Rank by population among US county-equivalents920th
Windsor County is the 4th largest of 14 Vermont counties by population. A median home costs 3.8 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 25.5 percent against 17.6 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.
Windsor County
Is Windsor County growing
- Population change since the 2020 census base-0.06 percent
- Census 2020 base population57,733
- Births, 2024446
- Deaths, 2024724
- Natural change, 2024-278
- Net domestic migration, 2024-197
- Net international migration, 2024125
- Total net migration, 2024-72
- Cumulative net domestic migration, 2021 to 2024710
- Rank by growth among US county-equivalents1858th
The county has lost 0.06 percent of its population since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Windsor County
Where people moving to Windsor County come from
- Tax returns filed by households arriving1,928
- People arriving, from those returns3,024
- Adjusted gross income arriving$191.6 m
- Net adjusted gross income movement$0
- Average income of an arriving household$99,379
- Largest single originWindsor County Non-migrants (24,755 households)
- Largest single destination (24,755 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Windsor County Non-migrants | 24,755 | 45,227 | $2.25 bn |
| Other flows - Different State | 952 | 1,471 | $117.4 m |
| Other flows - Northeast | 436 | 678 | $53.5 m |
| Other flows - South | 247 | 375 | $33.3 m |
| Grafton County | 194 | 304 | $12.4 m |
| Other flows - West | 177 | 291 | $20.8 m |
| Orange County | 134 | 216 | $5.8 m |
| Windham County | 116 | 184 | $5.4 m |
The largest single source of arrivals is Windsor 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.
Windsor County
What the Windsor County economy runs on
- County GDP, 2024$3.76 bn
- County GDP, 2023$3.63 bn
- GDP change, 2023 to 20243.6 percent
- GDP change over five years32.0 percent
- Rank by GDP among Vermont counties4th
- Rank by GDP among US county-equivalents851st
- GDP per resident$64,826
Output grew 3.6 percent in the latest year and 32.0 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.
Windsor County
Who employs people in Windsor County
- Covered employment, annual average23,153
- Establishments reporting3,052
- Average annual pay$62,855
- Average weekly wage$1,209
- Sector 62, employment3,052
- Sector 62, average annual pay$59,167
- Sector 72, employment2,867
- Sector 72, average annual pay$35,087
- Sector 44-45, employment2,569
- Sector 44-45, average annual pay$43,060
- Sector 31-33, employment1,622
- Sector 31-33, average annual pay$59,494
- Sector 54, employment1,375
- Sector 23, employment1,268
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 3,052 | 221 | $59,167 |
| Sector 72 | 2,867 | 193 | $35,087 |
| Sector 44-45 | 2,569 | 255 | $43,060 |
| Sector 31-33 | 1,622 | 106 | $59,494 |
| Sector 54 | 1,375 | 630 | $101,863 |
| Sector 23 | 1,268 | 316 | $69,228 |
| Sector 56 | 953 | 273 | $77,313 |
| Sector 81 | 811 | 222 | $48,733 |
The largest sector is the biggest private employer group at 3,052 jobs, 13.2 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.
Windsor County
What businesses operate in Windsor County
- Establishments, all industries1,926
- Employment at those establishments19,255
- Annual payroll$1.08 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.
Windsor County
What is being built in Windsor County
- Housing units authorised by permit, 2024344
- Declared construction value permitted$91.7 m
- Single family units authorised102
- Multifamily units authorised242
- Multifamily share of units70.3 percent
- Average declared value per unit$266,652
- Units authorised per 1,000 households13.6
Multifamily is 70.3 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Windsor County
How much SBA lending happens in Windsor County
- 7(a) approvals recorded60
- 7(a) gross approval dollars$19.8 m
- Average 7(a) approval$330,080
- Median 7(a) approval$95,000
- 10th percentile approval$20,000
- 90th percentile approval$751,900
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)345
- Jobs per approval5.8
- Distinct 7(a) lenders active21
- Distinct industries receiving approvals39
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer10.0 percent
- Loans on real estate terms6
- Loans on working capital terms, 120 months or shorter50
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countLandscaping Services (10)
- Most active lenderManufacturers and Traders Trust Company (17)
- 504 approvals recorded36
- 504 gross approval dollars$28.1 m
- Average 504 approval$780,167
- Median 504 approval$381,000
- Distinct CDCs active4
- 504 jobs per approval9.6
- 504 jobs per million dollars approved12.2
- Most active CDCGranite State Economic Development Corporation (26)
- 7(a) share of SBA approvals62.5 percent
- Combined SBA approval dollars$47.9 m
The average approval of $330,080 sits well above the median of $95,000, 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 10.0 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.
Windsor County
Do SBA loans in Windsor County get paid back
- Loans with a final outcome recorded13
- Paid in full12
- Charged off1
- Charge off rate on resolved loans7.7 percent
- Status: Paid in full12
- Status: Exempt from disclosure39
- Status: Cancelled4
- Status: Charged off1
- Status: Committed, not yet disbursed4
Of the 13 loans that have reached a final outcome, 7.7 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.
Windsor County
Which parts of Windsor County get the lending
- Places in the county with recorded lending23
- WOODSTOCK, approvals10
- Springfield, approvals10
- CHESTER, approvals7
- WHITE RIVER JUNCTION, approvals5
- LUDLOW, approvals4
- QUECHEE, approvals3
| Place | Approvals | Gross approval dollars |
|---|---|---|
| WOODSTOCK | 10 | $6,587,400 |
| Springfield | 10 | $795,000 |
| CHESTER | 7 | $1,246,900 |
| WHITE RIVER JUNCTION | 5 | $2,175,800 |
| LUDLOW | 4 | $533,000 |
| QUECHEE | 3 | $435,500 |
| Plymouth | 2 | $89,000 |
| Windsor | 2 | $364,900 |
WOODSTOCK accounts for 10 approvals against 10 in Springfield. 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.
Windsor County
How big is Windsor County
- Land area969 sq mi
- Rank by land area among Vermont counties1st of 14
- Width, east to west38.8 mi
- Height, north to south51.1 mi
- Geographies sharing a boundary5
- Residents per square mile of land60
- Establishments per square mile1.99
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 Windsor 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 Windsor County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population57,990
- Households25,293
- Average household size2.29
- Median household income$77,594
- Median age47.6
Common questions
Windsor County questions, answered from the record.
How many people live in Windsor County, Vermont?
57,990, in 25,293 households, ranking 4th of 14 Vermont counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Windsor County growing?
The population has fallen 0.06 percent since the 2020 census base. In 2024 there were 446 births against 724 deaths, with net migration of -72. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Windsor County?
$77,594. The median owner-occupied home is valued at $296,400, which is 3.8 times income, and median gross rent is $1,118 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Windsor County?
1,926 establishments, employing 19,255 people with an annual payroll of $1.08 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 Windsor County?
Average annual pay is $62,855, or $1,209 a week, across 23,153 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Windsor County?
60 7(a) approvals totalling $19.8 m since FY2020, across 21 lenders, with a median approval of $95,000, plus 36 504 approvals worth $28.1 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Windsor County get paid back?
Of the 13 loans that have reached a final outcome, 12 were paid in full and 1 charged off, a charge off rate of 7.7 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Windsor County?
344 housing units were authorised by permit in 2024, with a declared construction value of $91.7 m. Multifamily was 70.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Windsor 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 Windsor County come from?
The largest single origin is Windsor County Non-migrants, with 24,755 households. Arriving households report an average income of $99,379 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 Windsor 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 Windsor 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.