HomeNew YorkJefferson CountyTheresa
Theresa, New York: commercial real estate data.
Theresa is a Census village of 945 people across 1.26 square miles of land, in Jefferson County. Median household income is $58,583, 58.2 percent of occupied homes are owned, and the SBA record carries 7 7(a) approvals to borrowers here worth $1.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Theresa
What Theresa is
- Census place typevillage
- Land area1.26 sq mi
- Water area0.06 sq mi
- Population per square mile of land748 plus or minus 154
- 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.
Theresa
How many people live in Theresa
- Population945 plus or minus 194
- Median age29.5
- Population under 18204 plus or minus 65
- Share under 1821.6 percent plus or minus 5.2
- Population 65 and over98 plus or minus 33
- Share 65 and over10.4 percent plus or minus 2.8
- Households359 plus or minus 89
- Family households189 plus or minus 47
- Share of households that are families52.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Theresa
Income and work in Theresa
- Median household income$58,583
- Per capita income$32,927
- Civilian labor force552 plus or minus 198
- Employed536 plus or minus 198
- Unemployed16 plus or minus 13
- Unemployment rate2.9 percent plus or minus 2.1
- Adults 25 and over693 plus or minus 186
- Adults 25 and over with a high school diploma or higher96.5 percent
- Adults 25 and over with a bachelor degree or higher6.5 percent plus or minus 3.1
- Adults 25 and over with a graduate degree3.5 percent plus or minus 2.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Theresa
Housing in Theresa
- Housing units397 plus or minus 95
- Occupied units359 plus or minus 89
- Vacant units38 plus or minus 22
- Vacancy rate9.6 percent plus or minus 5.0
- Owner occupied209
- Renter occupied150 plus or minus 86
- Ownership rate58.2 percent plus or minus 18.2
- Median owner-occupied home value$164,900
- Median gross rent, monthly$946
- Annual rent as a share of median income19.4 percent
- Single family units244 plus or minus 51
- Share single family61.5 percent plus or minus 19.5
- Units in buildings of two or more140 plus or minus 100
- Share in buildings of two or more35.3 percent plus or minus 23.6
- Mobile homes13 plus or minus 11
- Median year structure built1959
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Theresa
How Theresa gets to work
- Workers 16 and over who commute527 plus or minus 199
- Commuting under 15 minutes20 plus or minus 11
- Share commuting under 15 minutes3.8 percent plus or minus 1.6
- Commuting 30 minutes or more344 plus or minus 217
- Share commuting 30 minutes or more65.3 percent plus or minus 33.0
- Drove alone88.6 percent plus or minus 18.9
- Carpooled6.1 percent plus or minus 4.9
- Public transport0.0 percent
- Walked0.4 percent plus or minus 0.5
- Worked from home4.9 percent plus or minus 3.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Theresa
SBA loans in Theresa (7(a))
- Approvals7
- Gross approval$1,500,600
- Average approval$214,371
- Median approval$184,500
- Largest approval$682,000
- Jobs supported53
- Jobs per approval7.6
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders2
- Distinct industries by NAICS5
Counted by borrower city: approvals to borrowers whose address is in Theresa, 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.
Theresa
Flood risk in Theresa
- NFIP communityTown of Theresa
- NFIP community number360352
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date10/15/85(M)
The Town of Theresa participates in the National Flood Insurance Program as community 360352 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.
Jefferson County, not Theresa
Jefferson County context, not Theresa figures
- Establishments in Jefferson County2,348
- Covered employment, Jefferson County40,308
- Average annual pay, Jefferson County$55,545
- Housing units permitted, Jefferson County191
Every figure in this section is published for Jefferson County as a whole and is not a measurement of Theresa.
All Jefferson County figures →
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
Theresa questions, answered from the record.
How many people live in Theresa, New York?
945, in 359 households. Theresa village covers 1.26 square miles of land, which is 748 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Theresa 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 Theresa?
$58,583. The median owner-occupied home is valued at $164,900. Median gross rent is $946 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Theresa businesses?
7 7(a) approvals totaling $1.5 m since FY2020, across 2 lenders, median approval $184,500. These count approvals to borrowers whose address is in Theresa, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Theresa borrowers get paid back?
No rate is published for Theresa. 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 Theresa in the National Flood Insurance Program?
Yes. Theresa appears in the FEMA Community Status Book as Theresa, town of, community 360352, 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 Theresa figures?
No, and they are labeled 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 Theresa.
Is zoning published for Theresa?
No. Nothing on this page presents parcel level zoning.