HomeNew HampshireGrafton County
Grafton County, New Hampshire: commercial real estate data.
Grafton County, New Hampshire had an estimated 93,045 residents on July 1, 2024, up 2.1 percent since the 2020 census base of 91,119, across 1,709 square miles. County output reached $9.87 bn in 2024, 2,920 establishments operate here, and the SBA record carries 189 7(a) approvals worth $50.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Grafton County
How many people live in Grafton County
- Population, American Community Survey 2020-202492,120
- Households37,107
- Average household size2.48
- Median household income$88,261
- Median age44.1
- Median gross rent$1,301 per month
- Median owner-occupied home value$344,500
- Home value to household income3.9 times
- Annual rent as a share of median income17.7 percent
- Adults 25 and over with a bachelor degree or higher46.7 percent
- Adults 25 and over with a graduate degree24.5 percent
- Adults 25 and over66,413
- Population under 1814,414
- Share under 1815.6 percent
- Population 65 and over21,144
- Share 65 and over23.0 percent
- Working age population, 18 to 6456,562
- Civilian labor force48,140
- Unemployment rate3.2 percent
- Labor force participation, adults 18 and over62.0 percent
- Rank by population among New Hampshire counties5th of 10
- Rank by population among US county-equivalents, Puerto Rico included663rd of 3,222
Grafton County is the 5th largest of 10 New Hampshire counties by population. A median home costs 3.9 times median household income, which is moderately unaffordable by national standards. Residents 65 and over outnumber those under 18, at 23.0 percent against 15.6 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.
Grafton County
Is Grafton County's population growing?
- Population, July 1, 202493,045
- Census 2020 base population91,119
- Population change since the 2020 census base2.11 percent
- Population change, 2023 to 2024136
- Births, 2024618
- Deaths, 20241,044
- Natural change, 2024-426
- Net domestic migration, 2024209
- Net international migration, 2024357
- Total net migration, 2024566
- Cumulative net domestic migration, 2021 to 20242,042
- Rank by growth among US county-equivalents1146th of 3,144
The county has grown 2.11 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.
Grafton County
Where are people moving to Grafton County from?
- Tax returns filed by households arriving3,461
- People arriving, from those returns5,357
- Tax returns filed by households leaving3,313
- Net household movement148
- Adjusted gross income arriving$443.3 m
- Net adjusted gross income movement$77.0 m
- Average income of an arriving household$128,090
- Average income of a leaving household$110,576
- Largest single originWindsor County (190 households)
- Largest single destinationWindsor County (194 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Windsor County | 190 | 277 | $15.1 m |
| Merrimack County | 178 | 310 | $13.4 m |
| Hillsborough County | 177 | 283 | $14.8 m |
| Belknap County | 163 | 284 | $10.1 m |
| Middlesex County | 145 | 233 | $28.3 m |
| Sullivan County | 145 | 211 | $10.2 m |
| Rockingham County | 113 | 185 | $24.3 m |
| Coos County | 87 | 142 | $4.5 m |
Households arriving report $17,514 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 Windsor 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.
Grafton County
What is the Grafton County economy?
- County GDP, 2024$9.87 bn
- County GDP, 2023$9.50 bn
- GDP change, 2023 to 20243.9 percent
- GDP change over five years36.5 percent
- Rank by GDP among the New Hampshire areas BEA publishes4th of 10
- Rank by GDP among the US county areas BEA publishes446th of 3,127
- GDP per resident$107,135
Output grew 3.9 percent in the latest year and 36.5 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.
Grafton County
Employment by industry in Grafton County
- Covered employment, annual average54,323
- Establishments reporting3,418
- Average annual pay$73,105
- Average weekly wage$1,406
- Health care and social assistance, employment13,333
- Health care and social assistance, average annual pay$95,233
- Retail trade, employment6,904
- Retail trade, average annual pay$39,869
- Educational services, employment5,881
- Educational services, average annual pay$103,666
- Accommodation and food services, employment5,403
- Accommodation and food services, average annual pay$33,867
- Manufacturing, employment4,621
- Professional, scientific and technical services, employment2,170
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 13,333 | 302 | $95,233 |
| Retail trade | 6,904 | 442 | $39,869 |
| Educational services | 5,881 | 76 | $103,666 |
| Accommodation and food services | 5,403 | 417 | $33,867 |
| Manufacturing | 4,621 | 118 | $73,572 |
| Professional, scientific and technical services | 2,170 | 304 | $119,483 |
| Construction | 1,661 | 334 | $68,792 |
| Arts, entertainment and recreation | 1,515 | 81 | $31,497 |
Health care and social assistance is the largest private sector at 13,333 jobs, 24.5 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Grafton County
How many businesses are in Grafton County?
- Establishments, all industries2,920
- Employment at those establishments54,232
- Annual payroll$3.49 bn
- Establishments per 1,000 residents31.7
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.
Grafton County
Building permits in Grafton County
- Housing units authorized by permit, 2024472
- Declared construction value permitted$155.5 m
- Single family units authorized309
- Multifamily units authorized163
- Multifamily share of units34.5 percent
- Average declared value per unit$329,411
- Units authorized per 1,000 households12.7
Single-family homes are 65.5 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Grafton County
SBA loans in Grafton County (7(a) and 504)
- 7(a) approvals recorded189
- 7(a) gross approval dollars$50.3 m
- Average 7(a) approval$266,028
- Median 7(a) approval$80,000
- 10th percentile approval$22,220
- 90th percentile approval$500,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)1,778
- Jobs per approval9.4
- Distinct 7(a) lenders active35
- Distinct industries receiving approvals87
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer8.5 percent
- Loans on real estate terms16
- Loans on working capital terms, 120 months or shorter165
- Franchise loans6
- Franchise share of approvals3.2 percent
- Leading industry by approval countFull-Service Restaurants (18)
- Most active lenderBar Harbor Bank & Trust (66)
- 504 approvals recorded107
- 504 gross approval dollars$52.0 m
- Average 504 approval$485,804
- Median 504 approval$285,000
- Distinct CDCs active4
- 504 jobs per approval4.8
- 504 jobs per million dollars approved9.8
- Most active CDCGranite State Economic Development Corporation (88)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$102.3 m
The average approval of $266,028 sits well above the median of $80,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 8.5 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.
Grafton County
SBA loan default and charge-off rates in Grafton County
Do SBA loans in Grafton County get paid back?
- Loans with a final outcome recorded48
- Paid in full48
- Charged off0
- Charge-off rate on resolved loans0.0 percent
- Status: Paid in full48
- Status: Exempt from disclosure107
- Status: Cancelled24
- Status: Committed, not yet disbursed10
Of the 48 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.
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.
Grafton County
SBA lending by place in Grafton County
- Borrower cities with recorded lending31
- Littleton, approvals24
- Plymouth, approvals22
- Campton, approvals14
- Bethlehem, approvals12
- Lebanon, approvals12
- Holderness, approvals10
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Littleton | 24 | $4,261,200 |
| Plymouth | 22 | $2,418,600 |
| Campton | 14 | $3,414,000 |
| Bethlehem | 12 | $6,869,900 |
| Lebanon | 12 | $2,442,300 |
| Holderness | 10 | $1,519,000 |
| Lincoln | 9 | $7,574,000 |
| North Haverhill | 9 | $2,336,300 |
| 23 other borrower cities | 77 | $19,444,000 |
Littleton accounts for 24 approvals against 22 in Plymouth. 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.
Grafton County
How large is Grafton County?
- Land area1,709 sq mi
- Rank by land area among New Hampshire counties2nd of 10
- Width, east to west48.4 mi
- Height, north to south60.6 mi
- Geographies sharing a boundary9
- Residents per square mile of land54
- Establishments per square mile1.71
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.
Grafton County
Flood risk in Grafton County
- Communities in the county in the NFIP Community Status Book39
- Of those, participating in the NFIP32
- NFIP participation rate82.1 percent
- Communities carrying a CRS class0
- Radon levels in Grafton County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The EPA places Grafton 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. 82.1 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 Grafton 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 Grafton County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202492,120
- Households37,107
- Average household size2.48
- Median household income$88,261
- Median age44.1
Common questions
Grafton County questions, answered from the record.
How many people live in Grafton County, New Hampshire?
The Census Bureau estimates 93,045 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 92,120, in 37,107 households, ranking 5th of 10 New Hampshire counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Grafton County's population growing?
The population has grown 2.11 percent since the 2020 census base of 91,119, to 93,045 on July 1, 2024. In 2024 there were 618 births against 1,044 deaths, with net migration of 566. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Grafton County?
$88,261. The median owner-occupied home is valued at $344,500, which is 3.9 times income, and median gross rent is $1,301 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Grafton County?
2,920 establishments, employing 54,232 people with an annual payroll of $3.49 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Grafton County?
Health care and social assistance is the largest private sector at 13,333 jobs, 24.5 percent of covered employment. Covered employment averages 54,323 jobs at an average annual pay of $73,105, or $1,406 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Grafton County?
189 7(a) approvals totaling $50.3 m since FY2020, across 35 lenders, with a median approval of $80,000, plus 107 504 approvals worth $52.0 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Grafton County get paid back?
Of the 48 loans that have reached a final outcome, 48 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.
How many building permits were issued in Grafton County?
472 housing units were authorized by permit in 2024, with a declared construction value of $155.5 m. Multifamily was 34.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Grafton 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 Grafton County come from?
The largest single origin is Windsor County, with 190 households. Arriving households report an average income of $128,090 against $110,576 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Grafton 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 Grafton 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.
Grafton County
Cities and places in Grafton.
15 Census places lie wholly or partly in Grafton County. All 15 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 |
|---|---|---|---|---|
| Lebanon | city | 14,999 | 12 | Wholly in this county |
| Hanover | CDP | 8,479 | 3 | Wholly in this county |
| Plymouth | CDP | 4,969 | 22 | Wholly in this county |
| Littleton | CDP | 4,114 | 24 | Wholly in this county |
| Bristol | CDP | 2,098 | 9 | Wholly in this county |
| Enfield | CDP | 1,994 | 5 | Wholly in this county |
| Woodsville | CDP | 1,422 | 7 | Wholly in this county |
| Ashland | CDP | 1,404 | 2 | Wholly in this county |
| Bethlehem | CDP | 1,058 | 12 | Wholly in this county |
| Lincoln | CDP | 923 | 9 | Wholly in this county |
| Lisbon | CDP | 730 | 8 | Wholly in this county |
| North Haverhill | CDP | 728 | 9 | Wholly in this county |
| North Woodstock | CDP | 447 | 2 | Wholly in this county |
| Mountain Lakes | CDP | 354 | None recorded | Wholly in this county |
| Canaan | CDP | 257 | 1 | Wholly in this county |
A further 64 of the county's 189 SBA 7(a) approvals are to borrowers in cities that match no Census place in Grafton County, the largest being Campton (14), Holderness (10), Franconia (6). 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.