Sagadahoc County, Maine: commercial real estate data.
Sagadahoc County, Maine had an estimated 37,582 residents on July 1, 2024, up 2.4 percent since the 2020 census base of 36,699, across 254 square miles. County output reached $3.09 bn in 2024, 1,011 establishments operate here, and the SBA record carries 49 7(a) approvals worth $12.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Sagadahoc County
How many people live in Sagadahoc County
- Population, American Community Survey 2020-202437,285
- Households16,446
- Average household size2.27
- Median household income$87,806
- Median age47.3
- Median gross rent$1,098 per month
- Median owner-occupied home value$333,300
- Home value to household income3.8 times
- Annual rent as a share of median income15.0 percent
- Adults 25 and over with a bachelor degree or higher44.2 percent
- Adults 25 and over with a graduate degree17.9 percent
- Adults 25 and over28,531
- Population under 186,578
- Share under 1817.6 percent
- Population 65 and over9,180
- Share 65 and over24.6 percent
- Working age population, 18 to 6421,527
- Civilian labor force19,849
- Unemployment rate4.6 percent
- Labor force participation, adults 18 and over64.6 percent
- Rank by population among Maine counties12th of 16
- Rank by population among US county-equivalents, Puerto Rico included1276th of 3,222
Sagadahoc County is the 12th largest of 16 Maine counties by population. A median home costs 3.8 times median household income, which is moderately unaffordable by national standards. Residents 65 and over outnumber those under 18, at 24.6 percent against 17.6 percent, which points demand at health care, services and single story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Sagadahoc County
Is Sagadahoc County's population growing?
- Population, July 1, 202437,582
- Census 2020 base population36,699
- Population change since the 2020 census base2.41 percent
- Population change, 2023 to 202441
- Births, 2024303
- Deaths, 2024459
- Natural change, 2024-156
- Net domestic migration, 2024144
- Net international migration, 202452
- Total net migration, 2024196
- Cumulative net domestic migration, 2021 to 20241,273
- Rank by growth among US county-equivalents1031st of 3,144
The county has grown 2.41 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration 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.
Sagadahoc County
Where are people moving to Sagadahoc County from?
- Tax returns filed by households arriving1,417
- People arriving, from those returns2,228
- Tax returns filed by households leaving1,288
- Net household movement129
- Adjusted gross income arriving$110.2 m
- Net adjusted gross income movement$17.7 m
- Average income of an arriving household$77,802
- Average income of a leaving household$71,821
- Largest single originCumberland County (433 households)
- Largest single destinationCumberland County (312 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Cumberland County | 433 | 661 | $34.1 m |
| Androscoggin County | 113 | 196 | $5.6 m |
| Kennebec County | 110 | 171 | $5.9 m |
| Lincoln County | 85 | 146 | $5.8 m |
| York County | 56 | 84 | $4.8 m |
| Penobscot County | 25 | 42 | $1.4 m |
Households arriving report $5,981 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Cumberland County, 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.
Sagadahoc County
What is the Sagadahoc County economy?
- County GDP, 2024$3.09 bn
- County GDP, 2023$2.87 bn
- GDP change, 2023 to 20247.6 percent
- GDP change over five years48.4 percent
- Rank by GDP among the Maine areas BEA publishes8th of 16
- Rank by GDP among the US county areas BEA publishes957th of 3,127
- GDP per resident$82,820
Output grew 7.6 percent in the latest year and 48.4 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.
Sagadahoc County
Employment by industry in Sagadahoc County
- Covered employment, annual average17,149
- Establishments reporting1,340
- Average annual pay$63,193
- Average weekly wage$1,215
- Retail trade, employment1,855
- Retail trade, average annual pay$36,864
- Accommodation and food services, employment1,264
- Accommodation and food services, average annual pay$30,539
- Health care and social assistance, employment1,194
- Health care and social assistance, average annual pay$56,383
- Construction, employment1,163
- Construction, average annual pay$70,581
- Professional, scientific and technical services, employment621
- Other services, except public administration, employment597
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 1,855 | 140 | $36,864 |
| Accommodation and food services | 1,264 | 91 | $30,539 |
| Health care and social assistance | 1,194 | 122 | $56,383 |
| Construction | 1,163 | 189 | $70,581 |
| Professional, scientific and technical services | 621 | 230 | $88,170 |
| Other services, except public administration | 597 | 93 | $49,875 |
| Wholesale trade | 195 | 50 | $62,512 |
| Educational services | 149 | 19 | $45,437 |
Retail trade is the largest private sector at 1,855 jobs, 10.8 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Sagadahoc County
How many businesses are in Sagadahoc County?
- Establishments, all industries1,011
- Employment at those establishments14,590
- Annual payroll$832.6 m
- Establishments per 1,000 residents27.1
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Sagadahoc County
Building permits in Sagadahoc County
- Housing units authorized by permit, 2024185
- Declared construction value permitted$50.4 m
- Single family units authorized127
- Multifamily units authorized58
- Multifamily share of units31.4 percent
- Average declared value per unit$272,229
- Units authorized per 1,000 households11.2
Single-family homes are 68.6 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Sagadahoc County
SBA loans in Sagadahoc County (7(a) and 504)
- 7(a) approvals recorded49
- 7(a) gross approval dollars$12.4 m
- Average 7(a) approval$252,322
- Median 7(a) approval$100,000
- 10th percentile approval$25,000
- 90th percentile approval$582,300
- Largest single approval$1,450,000
- Jobs reported supported, 7(a)423
- Jobs per approval8.6
- Distinct 7(a) lenders active19
- Distinct industries receiving approvals38
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer6.1 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter43
- Franchise loans3
- Franchise share of approvals6.1 percent
- Most active lenderBath Savings Institution (9)
- 504 approvals recorded30
- 504 gross approval dollars$13.7 m
- Average 504 approval$456,000
- Median 504 approval$230,000
- Distinct CDCs active3
- 504 jobs per approval4.3
- 504 jobs per million dollars approved9.5
- Most active CDCGranite State Economic Development Corporation (22)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$26.0 m
The average approval of $252,322 sits well above the median of $100,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 6.1 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.
Sagadahoc County
SBA loan default and charge-off rates in Sagadahoc County
Do SBA loans in Sagadahoc County get paid back?
- Loans with a final outcome recorded11
- Paid in full11
- Charged off0
- Status: Paid in full11
- Status: Exempt from disclosure31
- Status: Cancelled4
- Status: Committed, not yet disbursed3
Only 11 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Sagadahoc County
SBA lending by place in Sagadahoc County
- Borrower cities with recorded lending9
- Bath, approvals17
- Topsham, approvals15
- Woolwich, approvals4
- Georgetown, approvals4
- Bowdoin, approvals3
- Phippsburg, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Bath | 17 | $2,682,700 |
| Topsham | 15 | $5,262,400 |
| Woolwich | 4 | $721,600 |
| Georgetown | 4 | $530,000 |
| Bowdoin | 3 | $294,000 |
| Phippsburg | 2 | $2,000,000 |
| West Bath | 2 | $475,000 |
| Richmond | 1 | $350,000 |
| 1 other borrower city | 1 | $48,100 |
Bath accounts for 17 approvals against 15 in Topsham. 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.
Sagadahoc County
How large is Sagadahoc County?
- Land area254 sq mi
- Rank by land area among Maine counties16th of 16
- Width, east to west18.1 mi
- Height, north to south32.1 mi
- Geographies sharing a boundary4
- Residents per square mile of land147
- Establishments per square mile3.98
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.
Sagadahoc County
Flood risk in Sagadahoc County
- Communities in the county in the NFIP Community Status Book12
- Of those, participating in the NFIP12
- 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 7
- Communities carrying a CRS class3
- Radon levels in Sagadahoc County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The EPA places Sagadahoc County in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. The best Community Rating System class among the county's communities is 7, which carries a flood insurance premium discount for policies written in that community. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Feasibility studies
When a Sagadahoc 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 Sagadahoc County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202437,285
- Households16,446
- Average household size2.27
- Median household income$87,806
- Median age47.3
Common questions
Sagadahoc County questions, answered from the record.
How many people live in Sagadahoc County, Maine?
The Census Bureau estimates 37,582 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 37,285, in 16,446 households, ranking 12th of 16 Maine counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Sagadahoc County's population growing?
The population has grown 2.41 percent since the 2020 census base of 36,699, to 37,582 on July 1, 2024. In 2024 there were 303 births against 459 deaths, with net migration of 196. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Sagadahoc County?
$87,806. The median owner-occupied home is valued at $333,300, which is 3.8 times income, and median gross rent is $1,098 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Sagadahoc County?
1,011 establishments, employing 14,590 people with an annual payroll of $832.6 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Sagadahoc County?
Retail trade is the largest private sector at 1,855 jobs, 10.8 percent of covered employment. Covered employment averages 17,149 jobs at an average annual pay of $63,193, or $1,215 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Sagadahoc County?
49 7(a) approvals totaling $12.4 m since FY2020, across 19 lenders, with a median approval of $100,000, plus 30 504 approvals worth $13.7 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Sagadahoc County?
185 housing units were authorized by permit in 2024, with a declared construction value of $50.4 m. Multifamily was 31.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Sagadahoc 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 Sagadahoc County come from?
The largest single origin is Cumberland County, with 433 households. Arriving households report an average income of $77,802 against $71,821 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Sagadahoc 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 Sagadahoc County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Sagadahoc County
Cities and places in Sagadahoc.
4 Census places lie wholly or partly in Sagadahoc County. All 4 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Bath | city | 8,815 | 17 | Wholly in this county |
| Topsham | CDP | 7,271 | 15 | Wholly in this county |
| Richmond | CDP | 2,089 | 1 | Wholly in this county |
| Bowdoinham | CDP | 766 | 1 | Wholly in this county |
A further 15 of the county's 49 SBA 7(a) approvals are to borrowers in cities that match no Census place in Sagadahoc County, the largest being Woolwich (4), Georgetown (4), Bowdoin (3). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
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