HomeNew YorkJefferson CountyCarthage village
Carthage village, New York: commercial real estate data.
Carthage village is a Census village of 3,510 people across 2.43 square miles of land, in Jefferson County. Median household income is $58,125, 43.4 percent of occupied homes are owned, and the SBA record carries 4 7(a) approvals to borrowers here worth $2.1 m.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Carthage
What Carthage is
- Census place typevillage
- Land area2.43 sq mi
- Water area0.16 sq mi
- Population per square mile of land1,447
- County holding the largest share of its areaJefferson 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.
Carthage
How many people live in Carthage
- Population3,510
- Median age27.3 plus or minus 5.6
- Population under 181,105 plus or minus 262
- Share under 1831.5 percent plus or minus 6.3
- Population 65 and over370 plus or minus 134
- Share 65 and over10.5 percent plus or minus 3.6
- Households1,294
- Family households836
- Share of households that are families64.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Carthage
Income and work in Carthage
- Median household income$58,125
- Per capita income$26,230
- Civilian labor force1,354 plus or minus 343
- Employed1,278 plus or minus 341
- Unemployed76 plus or minus 56
- Unemployment rate5.6 percent plus or minus 3.9
- Adults 25 and over1,883
- Adults 25 and over with a high school diploma or higher86.8 percent
- Adults 25 and over with a bachelor degree or higher21.7 percent plus or minus 7.3
- Adults 25 and over with a graduate degree4.0 percent plus or minus 3.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Carthage
Housing in Carthage
- Housing units1,625
- Occupied units1,294
- Vacant units331 plus or minus 173
- Vacancy rate20.4 percent plus or minus 10.2
- Owner occupied561 plus or minus 161
- Renter occupied733 plus or minus 153
- Ownership rate43.4 percent plus or minus 11.2
- Median owner-occupied home value$131,200
- Median gross rent, monthly$913
- Annual rent as a share of median income18.8 percent
- Single family units843 plus or minus 221
- Share single family51.9 percent plus or minus 11.1
- Units in buildings of two or more776 plus or minus 220
- Share in buildings of two or more47.8 percent plus or minus 11.5
- Mobile homes6 plus or minus 10
- Median year structure built1938
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Carthage
How Carthage gets to work
- Workers 16 and over who commute1,400 plus or minus 343
- Commuting under 15 minutes273 plus or minus 105
- Share commuting under 15 minutes19.5 percent plus or minus 5.8
- Commuting 30 minutes or more606 plus or minus 237
- Share commuting 30 minutes or more43.3 percent plus or minus 13.2
- Drove alone81.0 percent
- Carpooled12.7 percent plus or minus 7.9
- Public transport0.6 percent plus or minus 1.1
- Walked2.4 percent plus or minus 2.5
- Worked from home2.0 percent plus or minus 1.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Carthage
SBA loans in Carthage (7(a))
- Approvals4
- Gross approval$2,140,000
- Average approval$535,000
- Median approval$575,000
- Ninetieth percentile approval$1,200,000
- Largest approval$1,200,000
- Jobs supported27
- Jobs per approval6.8
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term300 months
- Share on real estate terms of 20 years or more75.0 percent
- Share to franchises0.0 percent
- Distinct lenders4
- Distinct industries by NAICS4
A charge-off rate is not published here. only 0 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Carthage
SBA loans in Carthage (504)
- Approvals3
- Gross approval$1,662,000
- Average approval$554,000
- Median approval$447,000
- Largest approval$768,000
- Jobs supported2
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Carthage
Flood risk in Carthage
- Listed NFIP communities1
- Of those, participating1
- NFIP community number360995
- Currently effective map date06/17/91
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Jefferson County, not Carthage
Jefferson County context, not Carthage figures
These are Jefferson County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Carthage measurements.
- Establishments in Jefferson County2,348
- Employment at those establishments, Jefferson County28,622
- Covered employment, Jefferson County40,308
- Average annual pay, Jefferson County$55,545
- Average weekly wage, Jefferson County$1,068
- Housing units permitted, Jefferson County191
- Of those, single family, Jefferson County191
- County product, 2024, Jefferson County$8,275,565,000
- County product change over the prior year, Jefferson County3.4 percent
- Average income of an arriving household, Jefferson County$54,100
Every figure in this section is published for Jefferson County as a whole and is not a measurement of Carthage. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Carthage questions, answered from the record.
How many people live in Carthage, New York?
3,510, in 1,294 households. Carthage village covers 2.43 square miles of land, which is 1,447 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Carthage in?
Jefferson 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 Carthage?
$58,125. The median owner-occupied home is valued at $131,200. Median gross rent is $913 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Carthage businesses?
4 7(a) approvals totalling $2.1 m, across 4 lenders, median approval $575,000, plus 3 504 approvals worth $1.7 m. These count approvals to borrowers whose address is in Carthage, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Carthage borrowers get paid back?
No rate is published for Carthage. only 0 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Carthage in the National Flood Insurance Program?
Yes. Carthage appears in the FEMA Community Status Book as community 360995, 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 Carthage figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Jefferson 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 Carthage.
Is zoning published for Carthage?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.