Dutchess County, New York: commercial real estate data.
Dutchess County, New York had an estimated 299,963 residents on July 1, 2024, up 1.0 percent since the 2020 census base of 297,023, across 796 square miles. County output reached $20.30 bn in 2024, 7,677 establishments operate here, and the SBA record carries 315 7(a) approvals worth $107.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Dutchess County
How many people live in Dutchess County
- Population, American Community Survey 2020-2024298,220
- Households116,275
- Average household size2.56
- Median household income$99,478
- Median age42.5
- Median gross rent$1,582 per month
- Median owner-occupied home value$400,600
- Home value to household income4.0 times
- Annual rent as a share of median income19.1 percent
- Adults 25 and over with a bachelor degree or higher41.6 percent
- Adults 25 and over with a graduate degree19.3 percent
- Adults 25 and over212,816
- Population under 1854,816
- Share under 1818.4 percent
- Population 65 and over57,052
- Share 65 and over19.1 percent
- Working age population, 18 to 64186,352
- Civilian labor force157,524
- Unemployment rate5.2 percent
- Labor force participation, adults 18 and over64.7 percent
- Rank by population among New York counties15th of 62
- Rank by population among US county-equivalents, Puerto Rico included245th of 3,222
Dutchess County is the 15th largest of 62 New York counties by population. A median home costs 4.0 times median household income, which is moderately unaffordable by national standards. Residents 65 and over outnumber those under 18, at 19.1 percent against 18.4 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.
Dutchess County
Is Dutchess County's population growing?
- Population, July 1, 2024299,963
- Census 2020 base population297,023
- Population change since the 2020 census base0.99 percent
- Population change, 2023 to 20241,739
- Births, 20242,641
- Deaths, 20242,649
- Natural change, 2024-8
- Net domestic migration, 202434
- Net international migration, 20241,707
- Total net migration, 20241,741
- Cumulative net domestic migration, 2021 to 20241,186
- Rank by growth among US county-equivalents1488th of 3,144
The county has grown 0.99 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.
Dutchess County
Where are people moving to Dutchess County from?
- Tax returns filed by households arriving7,292
- People arriving, from those returns11,879
- Tax returns filed by households leaving7,701
- Net household movement-409
- Adjusted gross income arriving$790.6 m
- Net adjusted gross income movement$70.2 m
- Average income of an arriving household$108,415
- Average income of a leaving household$93,544
- Largest single originWestchester County (1,097 households)
- Largest single destinationUlster County (551 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Westchester County | 1,097 | 1,977 | $114.8 m |
| Ulster County | 561 | 867 | $54.5 m |
| Orange County | 516 | 807 | $35.3 m |
| Putnam County | 461 | 758 | $38.1 m |
| Bronx County | 434 | 865 | $33.7 m |
| Kings County | 434 | 717 | $67.9 m |
| New York County | 405 | 662 | $93.7 m |
| Queens County | 301 | 496 | $31.2 m |
Households arriving report $14,871 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 Westchester 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.
Dutchess County
What is the Dutchess County economy?
- County GDP, 2024$20.30 bn
- County GDP, 2023$18.89 bn
- GDP change, 2023 to 20247.5 percent
- GDP change over five years37.6 percent
- Rank by GDP among the New York areas BEA publishes15th of 62
- Rank by GDP among the US county areas BEA publishes258th of 3,127
- GDP per resident$68,077
Output grew 7.5 percent in the latest year and 37.6 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.
Dutchess County
Employment by industry in Dutchess County
- Covered employment, annual average112,897
- Establishments reporting9,032
- Average annual pay$70,950
- Average weekly wage$1,364
- Health care and social assistance, employment20,276
- Health care and social assistance, average annual pay$74,692
- Retail trade, employment13,216
- Retail trade, average annual pay$43,600
- Accommodation and food services, employment10,281
- Accommodation and food services, average annual pay$30,253
- Educational services, employment8,517
- Educational services, average annual pay$54,389
- Manufacturing, employment6,527
- Construction, employment5,701
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 20,276 | 869 | $74,692 |
| Retail trade | 13,216 | 996 | $43,600 |
| Accommodation and food services | 10,281 | 836 | $30,253 |
| Educational services | 8,517 | 135 | $54,389 |
| Manufacturing | 6,527 | 221 | $126,514 |
| Construction | 5,701 | 1,012 | $83,041 |
| Administrative and support and waste management services | 5,385 | 561 | $63,587 |
| Transportation and warehousing | 4,398 | 159 | $62,839 |
Health care and social assistance is the largest private sector at 20,276 jobs, 18.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Dutchess County
How many businesses are in Dutchess County?
- Establishments, all industries7,677
- Employment at those establishments93,728
- Annual payroll$5.45 bn
- Establishments per 1,000 residents25.7
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.
Dutchess County
Building permits in Dutchess County
- Housing units authorized by permit, 2024633
- Declared construction value permitted$231.3 m
- Single family units authorized295
- Multifamily units authorized338
- Multifamily share of units53.4 percent
- Average declared value per unit$365,411
- Units authorized per 1,000 households5.4
Multifamily is 53.4 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Dutchess County
SBA loans in Dutchess County (7(a) and 504)
- 7(a) approvals recorded315
- 7(a) gross approval dollars$107.3 m
- Average 7(a) approval$340,580
- Median 7(a) approval$100,000
- 10th percentile approval$20,000
- 90th percentile approval$846,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)2,485
- Jobs per approval7.9
- Distinct 7(a) lenders active53
- Distinct industries receiving approvals144
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer10.8 percent
- Loans on real estate terms34
- Loans on working capital terms, 120 months or shorter271
- Franchise loans22
- Franchise share of approvals7.0 percent
- Leading industry by approval countFull-Service Restaurants (28)
- Most active lenderManufacturers and Traders Trust Company (110)
- 504 approvals recorded78
- 504 gross approval dollars$45.9 m
- Average 504 approval$588,064
- Median 504 approval$288,000
- Distinct CDCs active1
- 504 jobs per approval7.6
- 504 jobs per million dollars approved13.0
- Most active CDCEmpire State Certified Development Corporation (78)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$153.2 m
The average approval of $340,580 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 10.8 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.
Dutchess County
SBA loan default and charge-off rates in Dutchess County
Do SBA loans in Dutchess County get paid back?
- Loans with a final outcome recorded58
- Paid in full52
- Charged off6
- Charge-off rate on resolved loans10.3 percent
- Status: Exempt from disclosure187
- Status: Paid in full52
- Status: Cancelled48
- Status: Charged off6
- Status: Committed, not yet disbursed22
Of the 58 loans that have reached a final outcome, 10.3 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.
Dutchess County
SBA lending by place in Dutchess County
- Borrower cities with recorded lending32
- Poughkeepsie, approvals76
- Wappingers Falls, approvals35
- Hopewell Junction, approvals24
- Beacon, approvals20
- Fishkill, approvals20
- Red Hook, approvals20
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Poughkeepsie | 76 | $28,067,100 |
| Wappingers Falls | 35 | $10,229,500 |
| Hopewell Junction | 24 | $5,226,500 |
| Beacon | 20 | $10,163,200 |
| Fishkill | 20 | $8,251,600 |
| Red Hook | 20 | $4,140,000 |
| Rhinebeck | 16 | $9,465,000 |
| Lagrangeville | 16 | $5,328,600 |
| 24 other borrower cities | 88 | $26,411,100 |
Poughkeepsie accounts for 76 approvals against 35 in Wappingers Falls. 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.
Dutchess County
How large is Dutchess County?
- Land area796 sq mi
- Rank by land area among New York counties26th of 62
- Width, east to west26.5 mi
- Height, north to south44.2 mi
- Geographies sharing a boundary5
- Residents per square mile of land375
- Establishments per square mile9.64
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.
Dutchess County
Flood risk in Dutchess 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 9
- Communities carrying a CRS class1
- Radon levels in Dutchess County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The EPA places Dutchess 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 9, 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 Dutchess 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 Dutchess County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024298,220
- Households116,275
- Average household size2.56
- Median household income$99,478
- Median age42.5
Common questions
Dutchess County questions, answered from the record.
How many people live in Dutchess County, New York?
The Census Bureau estimates 299,963 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 298,220, in 116,275 households, ranking 15th of 62 New York counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Dutchess County's population growing?
The population has grown 0.99 percent since the 2020 census base of 297,023, to 299,963 on July 1, 2024. In 2024 there were 2,641 births against 2,649 deaths, with net migration of 1,741. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Dutchess County?
$99,478. The median owner-occupied home is valued at $400,600, which is 4.0 times income, and median gross rent is $1,582 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Dutchess County?
7,677 establishments, employing 93,728 people with an annual payroll of $5.45 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 Dutchess County?
Health care and social assistance is the largest private sector at 20,276 jobs, 18.0 percent of covered employment. Covered employment averages 112,897 jobs at an average annual pay of $70,950, or $1,364 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Dutchess County?
315 7(a) approvals totaling $107.3 m since FY2020, across 53 lenders, with a median approval of $100,000, plus 78 504 approvals worth $45.9 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Dutchess County get paid back?
Of the 58 loans that have reached a final outcome, 52 were paid in full and 6 charged off, a charge-off rate of 10.3 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Dutchess County?
633 housing units were authorized by permit in 2024, with a declared construction value of $231.3 m. Multifamily was 53.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Dutchess 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 Dutchess County come from?
The largest single origin is Westchester County, with 1,097 households. Arriving households report an average income of $108,415 against $93,544 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Dutchess 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 Dutchess 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.
Dutchess County
Cities and places in Dutchess.
43 Census places lie wholly or partly in Dutchess County. All 43 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 |
|---|---|---|---|---|
| Poughkeepsie | city | 31,958 | 76 | Wholly in this county |
| Beacon | city | 14,834 | 20 | Wholly in this county |
| Myers Corner | CDP | 10,877 | None recorded | Wholly in this county |
| Fairview | CDP | 6,213 | None recorded | Wholly in this county |
| Wappingers Falls | village | 5,761 | 35 | Wholly in this county |
| Spackenkill | CDP | 4,279 | None recorded | Wholly in this county |
| Haviland | CDP | 3,923 | None recorded | Wholly in this county |
| Vassar College | CDP | 3,529 | None recorded | Wholly in this county |
| Red Oaks Mill | CDP | 3,254 | None recorded | Wholly in this county |
| Brinckerhoff | CDP | 2,813 | None recorded | Wholly in this county |
| Arlington | CDP | 2,806 | 1 | Wholly in this county |
| Crown Heights | CDP | 2,718 | None recorded | Wholly in this county |
| Rhinebeck | village | 2,650 | 16 | Wholly in this county |
| Marist College | CDP | 2,564 | None recorded | Wholly in this county |
| Red Hook | village | 2,275 | 20 | Wholly in this county |
| Fishkill | village | 2,184 | 20 | Wholly in this county |
| Pawling | village | 2,005 | 16 | Wholly in this county |
| Hyde Park | CDP | 1,983 | 4 | Wholly in this county |
| Pleasant Valley | CDP | 1,920 | 9 | Wholly in this county |
| Merritt Park | CDP | 1,685 | None recorded | Wholly in this county |
| Hopewell Junction | CDP | 1,656 | 24 | Wholly in this county |
| MacDonnell Heights | CDP | 1,429 | None recorded | Wholly in this county |
| Millbrook | village | 1,346 | 4 | Wholly in this county |
| Pine Plains | CDP | 1,280 | 1 | Wholly in this county |
| Wingdale | CDP | 1,234 | 5 | Wholly in this county |
| Bard College | CDP | 1,130 | None recorded | Wholly in this county |
| Chelsea Cove | CDP | 1,050 | None recorded | Wholly in this county |
| Amenia | CDP | 977 | 4 | Wholly in this county |
| New Hackensack | CDP | 957 | None recorded | Wholly in this county |
| Tivoli | village | 945 | 1 | Wholly in this county |
| Dover Plains | CDP | 912 | 5 | Wholly in this county |
| Millerton | village | 851 | 4 | Wholly in this county |
| Hillside Lake | CDP | 784 | None recorded | Wholly in this county |
| New Hamburg | CDP | 740 | None recorded | Wholly in this county |
| Rhinecliff | CDP | 669 | 1 | Wholly in this county |
| Titusville | CDP | 667 | None recorded | Wholly in this county |
| Freedom Plains | CDP | 606 | None recorded | Wholly in this county |
| Shorehaven | CDP | 545 | None recorded | Wholly in this county |
| Wassaic | CDP | 374 | 4 | Wholly in this county |
| Staatsburg | CDP | 358 | 8 | Wholly in this county |
| Salt Point | CDP | 322 | 5 | Wholly in this county |
| Upper Red Hook | CDP | 311 | None recorded | Wholly in this county |
| Barrytown | CDP | 135 | None recorded | Wholly in this county |
A further 32 of the county's 315 SBA 7(a) approvals are to borrowers in cities that match no Census place in Dutchess County, the largest being Lagrangeville (16), Poughquag (6), Saugerties (2). 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