Delaware County, New York: commercial real estate data.
Delaware County, New York had an estimated 44,191 residents on July 1, 2024, down 0.3 percent since the 2020 census base of 44,310, across 1,442 square miles. County output reached $3.12 bn in 2024, 1,114 establishments operate here, and the SBA record carries 24 7(a) approvals worth $18.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Delaware County
How many people live in Delaware County
- Population, American Community Survey 2020-202444,487
- Households19,203
- Average household size2.32
- Median household income$63,337
- Median age48.8
- Median gross rent$880 per month
- Median owner-occupied home value$183,100
- Home value to household income2.9 times
- Annual rent as a share of median income16.7 percent
- Adults 25 and over with a bachelor degree or higher27.6 percent
- Adults 25 and over with a graduate degree12.2 percent
- Adults 25 and over33,206
- Population under 187,074
- Share under 1815.9 percent
- Population 65 and over11,747
- Share 65 and over26.4 percent
- Working age population, 18 to 6425,666
- Civilian labor force20,504
- Unemployment rate6.4 percent
- Labor force participation, adults 18 and over54.8 percent
- Rank by population among New York counties53rd of 62
- Rank by population among US county-equivalents, Puerto Rico included1108th of 3,222
Delaware County is the 53rd largest of 62 New York counties by population. A median home costs 2.9 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 26.4 percent against 15.9 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.
Delaware County
Is Delaware County's population growing?
- Population, July 1, 202444,191
- Census 2020 base population44,310
- Population change since the 2020 census base-0.27 percent
- Population change, 2023 to 2024-323
- Births, 2024336
- Deaths, 2024722
- Natural change, 2024-386
- Net domestic migration, 202439
- Net international migration, 202423
- Total net migration, 202462
- Cumulative net domestic migration, 2021 to 20241,232
- Rank by growth among US county-equivalents1950th of 3,144
The county has lost 0.27 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.
Delaware County
Where are people moving to Delaware County from?
- Tax returns filed by households arriving1,181
- People arriving, from those returns1,910
- Tax returns filed by households leaving1,102
- Net household movement79
- Adjusted gross income arriving$88.0 m
- Net adjusted gross income movement$19.1 m
- Average income of an arriving household$74,515
- Average income of a leaving household$62,561
- Largest single originOtsego County (191 households)
- Largest single destinationOtsego County (203 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Otsego County | 191 | 326 | $8.0 m |
| Kings County | 79 | 110 | $8.9 m |
| New York County | 66 | 101 | $8.8 m |
| Chenango County | 64 | 109 | $2.7 m |
| Suffolk County | 51 | 86 | $4.9 m |
| Broome County | 46 | 103 | $1.7 m |
| Queens County | 46 | 77 | $4.6 m |
| Nassau County | 39 | 62 | $3.3 m |
Households arriving report $11,954 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 Otsego 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.
Delaware County
What is the Delaware County economy?
- County GDP, 2024$3.12 bn
- County GDP, 2023$2.89 bn
- GDP change, 2023 to 20247.8 percent
- GDP change over five years46.2 percent
- Rank by GDP among the New York areas BEA publishes42nd of 62
- Rank by GDP among the US county areas BEA publishes949th of 3,127
- GDP per resident$70,091
Output grew 7.8 percent in the latest year and 46.2 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.
Delaware County
Employment by industry in Delaware County
- Covered employment, annual average14,276
- Establishments reporting1,274
- Average annual pay$66,992
- Average weekly wage$1,288
- Manufacturing, employment3,066
- Manufacturing, average annual pay$106,926
- Retail trade, employment1,263
- Retail trade, average annual pay$35,578
- Accommodation and food services, employment982
- Accommodation and food services, average annual pay$23,845
- Construction, employment583
- Construction, average annual pay$73,663
- Other services, except public administration, employment539
- Wholesale trade, employment401
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 3,066 | 49 | $106,926 |
| Retail trade | 1,263 | 174 | $35,578 |
| Accommodation and food services | 982 | 125 | $23,845 |
| Construction | 583 | 107 | $73,663 |
| Other services, except public administration | 539 | 109 | $38,775 |
| Wholesale trade | 401 | 28 | $91,362 |
| Finance and insurance | 379 | 38 | $67,583 |
| Information | 303 | 70 | $64,339 |
Manufacturing is the largest private sector at 3,066 jobs, 21.5 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Delaware County
How many businesses are in Delaware County?
- Establishments, all industries1,114
- Employment at those establishments12,025
- Annual payroll$787.2 m
- Establishments per 1,000 residents25.0
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.
Delaware County
Building permits in Delaware County
- Housing units authorized by permit, 202479
- Declared construction value permitted$23.7 m
- Single family units authorized79
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$300,236
- Units authorized per 1,000 households4.1
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Delaware County
SBA loans in Delaware County (7(a) and 504)
- 7(a) approvals recorded24
- 7(a) gross approval dollars$18.9 m
- Average 7(a) approval$786,592
- Median 7(a) approval$180,000
- 10th percentile approval$77,550
- 90th percentile approval$3,288,000
- Largest single approval$3,870,000
- Jobs reported supported, 7(a)242
- Jobs per approval10.1
- Distinct 7(a) lenders active13
- Distinct industries receiving approvals17
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer20.8 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter17
- Franchise loans0
- Franchise share of approvals0.0 percent
- Most active lenderManufacturers and Traders Trust Company (5)
- 504 approvals recorded5
- 504 gross approval dollars$5.0 m
- Average 504 approval$998,600
- Median 504 approval$605,000
- Distinct CDCs active1
- 504 jobs per approval4.4
- 504 jobs per million dollars approved4.4
- Most active CDCEmpire State Certified Development Corporation (5)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$23.9 m
The average approval of $786,592 sits well above the median of $180,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 20.8 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.
Delaware County
SBA loan default and charge-off rates in Delaware County
Do SBA loans in Delaware County get paid back?
- Loans with a final outcome recorded2
- Paid in full2
- Charged off0
- Status: Cancelled4
- Status: Paid in full2
- Status: Exempt from disclosure15
- Status: Committed, not yet disbursed3
Only 2 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.
Delaware County
SBA lending by place in Delaware County
- Borrower cities with recorded lending14
- Walton, approvals5
- Sidney, approvals3
- Fleischmanns, approvals3
- Harpersfield, approvals2
- Andes, approvals2
- Hancock, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Walton | 5 | $11,730,000 |
| Sidney | 3 | $343,000 |
| Fleischmanns | 3 | $270,000 |
| Harpersfield | 2 | $529,200 |
| Andes | 2 | $311,000 |
| Hancock | 1 | $2,000,000 |
| Treadwell | 1 | $1,100,000 |
| Oneonta | 1 | $805,000 |
| 6 other borrower cities | 6 | $1,790,000 |
Walton accounts for 5 approvals against 3 in Sidney. 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.
Delaware County
How large is Delaware County?
- Land area1,442 sq mi
- Rank by land area among New York counties5th of 62
- Width, east to west50.2 mi
- Height, north to south46.1 mi
- Geographies sharing a boundary8
- Residents per square mile of land31
- Establishments per square mile0.77
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.
Delaware County
Flood risk in Delaware County
- Communities in the county in the NFIP Community Status Book30
- Of those, participating in the NFIP30
- 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 6
- Communities carrying a CRS class5
- Radon levels in Delaware County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The EPA places Delaware 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 6, 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 Delaware 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 Delaware County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202444,487
- Households19,203
- Average household size2.32
- Median household income$63,337
- Median age48.8
Common questions
Delaware County questions, answered from the record.
How many people live in Delaware County, New York?
The Census Bureau estimates 44,191 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 44,487, in 19,203 households, ranking 53rd of 62 New York counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Delaware County's population growing?
The population has fallen 0.27 percent since the 2020 census base of 44,310, to 44,191 on July 1, 2024. In 2024 there were 336 births against 722 deaths, with net migration of 62. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Delaware County?
$63,337. The median owner-occupied home is valued at $183,100, which is 2.9 times income, and median gross rent is $880 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Delaware County?
1,114 establishments, employing 12,025 people with an annual payroll of $787.2 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 Delaware County?
Manufacturing is the largest private sector at 3,066 jobs, 21.5 percent of covered employment. Covered employment averages 14,276 jobs at an average annual pay of $66,992, or $1,288 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Delaware County?
24 7(a) approvals totaling $18.9 m since FY2020, across 13 lenders, with a median approval of $180,000, plus 5 504 approvals worth $5.0 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Delaware County?
79 housing units were authorized by permit in 2024, with a declared construction value of $23.7 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Delaware 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 Delaware County come from?
The largest single origin is Otsego County, with 191 households. Arriving households report an average income of $74,515 against $62,561 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Delaware 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 Delaware 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.
Delaware County
Cities and places in Delaware.
14 Census places lie wholly or partly in Delaware County. All 14 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 |
|---|---|---|---|---|
| Sidney | village | 3,931 | 3 | Wholly in this county |
| Delhi | village | 3,136 | 1 | Wholly in this county |
| Walton | village | 2,423 | 5 | Wholly in this county |
| Deposit | village | 1,424 | None recorded | 49.1 percent here, 50.9 percent Broome County |
| Stamford | village | 1,053 | None recorded | Wholly in this county |
| Hancock | village | 745 | 1 | Wholly in this county |
| Margaretville | village | 617 | 1 | Wholly in this county |
| Franklin | village | 424 | None recorded | Wholly in this county |
| Davenport Center | CDP | 414 | None recorded | Wholly in this county |
| Hobart | village | 409 | 1 | Wholly in this county |
| Bloomville | CDP | 289 | None recorded | Wholly in this county |
| Downsville | CDP | 163 | None recorded | Wholly in this county |
| Andes | CDP | 151 | 2 | Wholly in this county |
| Fleischmanns | village | 148 | 3 | Wholly in this county |
A further 7 of the county's 24 SBA 7(a) approvals are to borrowers in cities that match no Census place in Delaware County, the largest being Harpersfield (2), Treadwell (1), Oneonta (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.