Cayuga County, New York: commercial real estate data.
Cayuga County, New York had an estimated 74,567 residents on July 1, 2024, down 2.2 percent since the 2020 census base of 76,249, across 692 square miles. County output reached $4.06 bn in 2024, 1,509 establishments operate here, and the SBA record carries 47 7(a) approvals worth $12.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Cayuga County
How many people live in Cayuga County
- Population, American Community Survey 2020-202475,102
- Households31,524
- Average household size2.38
- Median household income$67,904
- Median age43.8
- Median gross rent$942 per month
- Median owner-occupied home value$171,000
- Home value to household income2.5 times
- Annual rent as a share of median income16.6 percent
- Adults 25 and over with a bachelor degree or higher24.6 percent
- Adults 25 and over with a graduate degree11.3 percent
- Adults 25 and over54,962
- Population under 1814,516
- Share under 1819.3 percent
- Population 65 and over16,029
- Share 65 and over21.3 percent
- Working age population, 18 to 6444,557
- Civilian labor force36,214
- Unemployment rate3.8 percent
- Labor force participation, adults 18 and over59.8 percent
- Rank by population among New York counties36th of 62
- Rank by population among US county-equivalents, Puerto Rico included753rd of 3,222
Cayuga County is the 36th largest of 62 New York counties by population. A median home costs 2.5 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 21.3 percent against 19.3 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.
Cayuga County
Is Cayuga County's population growing?
- Population, July 1, 202474,567
- Census 2020 base population76,249
- Population change since the 2020 census base-2.21 percent
- Population change, 2023 to 2024-8
- Births, 2024693
- Deaths, 2024827
- Natural change, 2024-134
- Net domestic migration, 202466
- Net international migration, 202461
- Total net migration, 2024127
- Cumulative net domestic migration, 2021 to 2024-905
- Rank by growth among US county-equivalents2552nd of 3,144
The county has lost 2.21 percent of its population since the 2020 census base. Deaths exceeded births in 2024 by more than net migration added, so the population fell even though more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Cayuga County
Where are people moving to Cayuga County from?
- Tax returns filed by households arriving1,367
- People arriving, from those returns2,268
- Tax returns filed by households leaving1,543
- Net household movement-176
- Adjusted gross income arriving$75.1 m
- Net adjusted gross income movement$-15.8 m
- Average income of an arriving household$54,917
- Average income of a leaving household$58,913
- Largest single originOnondaga County (359 households)
- Largest single destinationOnondaga County (343 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Onondaga County | 359 | 559 | $21.5 m |
| Tompkins County | 88 | 148 | $5.4 m |
| Oswego County | 65 | 119 | $2.7 m |
| Wayne County | 65 | 136 | $2.9 m |
| Seneca County | 62 | 106 | $2.7 m |
| Cortland County | 57 | 94 | $2.9 m |
| Monroe County | 44 | 68 | $2.5 m |
| Ontario County | 24 | 46 | $1.2 m |
Households arriving report $3,996 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Onondaga 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.
Cayuga County
What is the Cayuga County economy?
- County GDP, 2024$4.06 bn
- County GDP, 2023$3.83 bn
- GDP change, 2023 to 20246.0 percent
- GDP change over five years32.2 percent
- Rank by GDP among the New York areas BEA publishes36th of 62
- Rank by GDP among the US county areas BEA publishes796th of 3,127
- GDP per resident$54,094
Output grew 6.0 percent in the latest year and 32.2 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.
Cayuga County
Employment by industry in Cayuga County
- Covered employment, annual average24,605
- Establishments reporting1,739
- Average annual pay$62,623
- Average weekly wage$1,204
- Health care and social assistance, employment3,776
- Health care and social assistance, average annual pay$62,460
- Manufacturing, employment3,220
- Manufacturing, average annual pay$70,567
- Retail trade, employment2,989
- Retail trade, average annual pay$36,530
- Accommodation and food services, employment2,034
- Accommodation and food services, average annual pay$25,897
- Construction, employment1,176
- Wholesale trade, employment841
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 3,776 | 157 | $62,460 |
| Manufacturing | 3,220 | 88 | $70,567 |
| Retail trade | 2,989 | 186 | $36,530 |
| Accommodation and food services | 2,034 | 156 | $25,897 |
| Construction | 1,176 | 195 | $83,576 |
| Wholesale trade | 841 | 78 | $94,341 |
| Other services, except public administration | 733 | 150 | $36,593 |
| Transportation and warehousing | 703 | 62 | $63,786 |
Health care and social assistance is the largest private sector at 3,776 jobs, 15.3 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Cayuga County
How many businesses are in Cayuga County?
- Establishments, all industries1,509
- Employment at those establishments17,820
- Annual payroll$862.7 m
- Establishments per 1,000 residents20.1
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.
Cayuga County
Building permits in Cayuga County
- Housing units authorized by permit, 2024110
- Declared construction value permitted$26.2 m
- Single family units authorized92
- Multifamily units authorized18
- Multifamily share of units16.4 percent
- Average declared value per unit$237,815
- Units authorized per 1,000 households3.5
Single-family homes are 83.6 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Cayuga County
SBA loans in Cayuga County (7(a) and 504)
- 7(a) approvals recorded47
- 7(a) gross approval dollars$12.6 m
- Average 7(a) approval$267,936
- Median 7(a) approval$50,000
- 10th percentile approval$10,000
- 90th percentile approval$1,176,800
- Largest single approval$1,850,000
- Jobs reported supported, 7(a)325
- Jobs per approval6.9
- Distinct 7(a) lenders active16
- Distinct industries receiving approvals31
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer21.3 percent
- Loans on real estate terms10
- Loans on working capital terms, 120 months or shorter37
- Franchise loans4
- Franchise share of approvals8.5 percent
- Leading industry by approval countFull-Service Restaurants (9)
- Most active lenderManufacturers and Traders Trust Company (14)
- 504 approvals recorded16
- 504 gross approval dollars$9.0 m
- Average 504 approval$561,438
- Median 504 approval$296,000
- Distinct CDCs active2
- 504 jobs per approval7.6
- 504 jobs per million dollars approved13.5
- Most active CDCEmpire State Certified Development Corporation (11)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$21.6 m
The average approval of $267,936 sits well above the median of $50,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 21.3 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.
Cayuga County
SBA loan default and charge-off rates in Cayuga County
Do SBA loans in Cayuga County get paid back?
- Loans with a final outcome recorded8
- Paid in full8
- Charged off0
- Status: Exempt from disclosure29
- Status: Paid in full8
- Status: Cancelled5
- Status: Committed, not yet disbursed5
Only 8 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.
Cayuga County
SBA lending by place in Cayuga County
- Borrower cities with recorded lending8
- Auburn, approvals31
- Weedsport, approvals5
- Moravia, approvals5
- Cato, approvals2
- Skaneateles, approvals1
- Owasco, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Auburn | 31 | $6,812,500 |
| Weedsport | 5 | $3,410,500 |
| Moravia | 5 | $1,058,000 |
| Cato | 2 | $145,000 |
| Skaneateles | 1 | $1,092,000 |
| Owasco | 1 | $30,000 |
| Locke | 1 | $25,000 |
| Jordan | 1 | $20,000 |
Auburn accounts for 31 approvals against 5 in Weedsport. 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.
Cayuga County
How large is Cayuga County?
- Land area692 sq mi
- Rank by land area among New York counties29th of 62
- Width, east to west23.8 mi
- Height, north to south54.9 mi
- Geographies sharing a boundary6
- Residents per square mile of land109
- 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.
Cayuga County
Flood risk in Cayuga County
- Communities in the county in the NFIP Community Status Book33
- Of those, participating in the NFIP33
- 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 8
- Communities carrying a CRS class1
- Radon levels in Cayuga County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The EPA places Cayuga County in radon zone 1, a predicted average indoor radon screening level greater than 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 8, 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 Cayuga 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 Cayuga County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202475,102
- Households31,524
- Average household size2.38
- Median household income$67,904
- Median age43.8
Common questions
Cayuga County questions, answered from the record.
How many people live in Cayuga County, New York?
The Census Bureau estimates 74,567 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 75,102, in 31,524 households, ranking 36th of 62 New York counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Cayuga County's population growing?
The population has fallen 2.21 percent since the 2020 census base of 76,249, to 74,567 on July 1, 2024. In 2024 there were 693 births against 827 deaths, with net migration of 127. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Cayuga County?
$67,904. The median owner-occupied home is valued at $171,000, which is 2.5 times income, and median gross rent is $942 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Cayuga County?
1,509 establishments, employing 17,820 people with an annual payroll of $862.7 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 Cayuga County?
Health care and social assistance is the largest private sector at 3,776 jobs, 15.3 percent of covered employment. Covered employment averages 24,605 jobs at an average annual pay of $62,623, or $1,204 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Cayuga County?
47 7(a) approvals totaling $12.6 m since FY2020, across 16 lenders, with a median approval of $50,000, plus 16 504 approvals worth $9.0 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Cayuga County?
110 housing units were authorized by permit in 2024, with a declared construction value of $26.2 m. Multifamily was 16.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Cayuga County?
Zone 1, a predicted average indoor radon screening level greater than 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 Cayuga County come from?
The largest single origin is Onondaga County, with 359 households. Arriving households report an average income of $54,917 against $58,913 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Cayuga 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 Cayuga 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.
Cayuga County
Cities and places in Cayuga.
11 Census places lie wholly or partly in Cayuga County. All 11 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 |
|---|---|---|---|---|
| Auburn | city | 26,285 | 31 | Wholly in this county |
| Melrose Park | CDP | 1,960 | None recorded | Wholly in this county |
| Weedsport | village | 1,954 | 5 | Wholly in this county |
| Moravia | village | 1,385 | 5 | Wholly in this county |
| Union Springs | village | 1,255 | None recorded | Wholly in this county |
| Fair Haven | village | 1,013 | None recorded | Wholly in this county |
| Port Byron | village | 900 | None recorded | Wholly in this county |
| Aurora | village | 651 | None recorded | Wholly in this county |
| Cayuga | village | 575 | None recorded | Wholly in this county |
| Cato | village | 515 | 2 | Wholly in this county |
| Meridian | village | 220 | None recorded | Wholly in this county |
A further 4 of the county's 47 SBA 7(a) approvals are to borrowers in cities that match no Census place in Cayuga County, the largest being Skaneateles (1), Owasco (1), Locke (1). 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.
Nearby