Cato, New York: commercial real estate data.
Cato is a Census village of 515 people across 0.99 square miles of land, in Cayuga County. Median household income is $82,292, 79.0 percent of occupied homes are owned, and the SBA record carries 2 7(a) approvals to borrowers here worth $145,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Cato
What Cato is
- Census place typevillage
- Land area0.99 sq mi
- Water area0.02 sq mi
- Population per square mile of land521 plus or minus 133
- County holding the largest share of its areaCayuga County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cato
How many people live in Cato
- Population515 plus or minus 131
- Median age40.2
- Population under 18122 plus or minus 37
- Share under 1823.7 percent
- Population 65 and over90 plus or minus 33
- Share 65 and over17.5 percent plus or minus 4.7
- Households205 plus or minus 48
- Family households155 plus or minus 46
- Share of households that are families75.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cato
Income and work in Cato
- Median household income$82,292 plus or minus $18,624
- Per capita income$37,660
- Civilian labor force241 plus or minus 70
- Employed239 plus or minus 69
- Unemployed2 plus or minus 3
- Unemployment rate0.8 percent plus or minus 1.2
- Adults 25 and over373 plus or minus 98
- Adults 25 and over with a high school diploma or higher94.9 percent plus or minus 32.4
- Adults 25 and over with a bachelor degree or higher14.5 percent plus or minus 6.6
- Adults 25 and over with a graduate degree5.4 percent plus or minus 5.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cato
Housing in Cato
- Housing units215 plus or minus 50
- Occupied units205 plus or minus 48
- Vacant units10 plus or minus 12
- Vacancy rate4.7 percent plus or minus 5.5
- Owner occupied162 plus or minus 43
- Renter occupied43 plus or minus 23
- Ownership rate79.0 percent
- Median owner-occupied home value$163,300
- Median gross rent, monthly$695 plus or minus $678
- Annual rent as a share of median income10.1 percent plus or minus 10.1
- Single family units165 plus or minus 47
- Share single family76.7 percent
- Units in buildings of two or more50 plus or minus 30
- Share in buildings of two or more23.3 percent plus or minus 12.8
- Mobile homes0
- Median year structure built1938
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cato
How Cato gets to work
- Workers 16 and over who commute219 plus or minus 67
- Commuting under 15 minutes48 plus or minus 31
- Share commuting under 15 minutes21.9 percent plus or minus 12.2
- Commuting 30 minutes or more109 plus or minus 57
- Share commuting 30 minutes or more49.8 percent plus or minus 21.1
- Drove alone82.6 percent
- Carpooled9.8 percent plus or minus 7.1
- Public transport0.0 percent
- Walked0.9 percent plus or minus 2.1
- Worked from home6.8 percent plus or minus 5.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cato
SBA loans in Cato (7(a))
- Approvals2
- Gross approval$145,000
- Average approval$72,500
- Median approval$72,500
- Largest approval$100,000
- Jobs supported4
- Jobs per approval2.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term210 months
- Share on real estate terms of 20 years or more50.0 percent
- Share to franchises0.0 percent
- Distinct lenders1
- Distinct industries by NAICS1
Counted by borrower city: approvals to borrowers whose address is in Cato, in any county, FY2020 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cato
Flood risk in Cato
- NFIP communityTown of Cato
- NFIP community number360105
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date08/02/07
The Town of Cato participates in the National Flood Insurance Program as community 360105 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Cayuga County, not Cato
Cayuga County context, not Cato figures
- Establishments in Cayuga County1,509
- Covered employment, Cayuga County24,605
- Average annual pay, Cayuga County$62,623
- Housing units permitted, Cayuga County110
Every figure in this section is published for Cayuga County as a whole and is not a measurement of Cato.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, 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 →
Common questions
Cato questions, answered from the record.
How many people live in Cato, New York?
515, in 205 households. Cato village covers 0.99 square miles of land, which is 521 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Cato in?
Cayuga County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Cato?
$82,292. The median owner-occupied home is valued at $163,300. Median gross rent is $695 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Cato businesses?
2 7(a) approvals totaling $145,000 since FY2020, across 1 lenders, median approval $72,500. These count approvals to borrowers whose address is in Cato, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Cato borrowers get paid back?
No rate is published for Cato. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Cato in the National Flood Insurance Program?
Yes. Cato appears in the FEMA Community Status Book as Cato, town of, community 360105, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Cato figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Cayuga County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Cato.
Is zoning published for Cato?
No. Nothing on this page presents parcel level zoning.
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