HomeNew YorkNassau CountyOyster Bay CDP
Oyster Bay CDP, New York: commercial real estate data.
Oyster Bay CDP is a Census CDP of 7,308 people across 1.24 square miles of land, in Nassau County. Median household income is $111,264, 58.4 percent of occupied homes are owned, and the SBA record carries 8 7(a) approvals to borrowers here worth $5.6 m.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Oyster Bay
What Oyster Bay is
- Census place typeCDP
- Land area1.24 sq mi
- Water area0.37 sq mi
- Population per square mile of land5,908
- County holding the largest share of its areaNassau 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.
Oyster Bay
How many people live in Oyster Bay
- Population7,308
- Median age38.0
- Population under 181,888 plus or minus 571
- Share under 1825.8 percent plus or minus 6.6
- Population 65 and over1,415 plus or minus 327
- Share 65 and over19.4 percent
- Households2,860
- Family households1,626
- Share of households that are families56.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oyster Bay
Income and work in Oyster Bay
- Median household income$111,264
- Per capita income$54,595
- Civilian labor force3,721
- Employed3,603
- Unemployed118 plus or minus 100
- Unemployment rate3.2 percent plus or minus 2.7
- Adults 25 and over4,962
- Adults 25 and over with a high school diploma or higher94.1 percent
- Adults 25 and over with a bachelor degree or higher46.1 percent
- Adults 25 and over with a graduate degree18.1 percent plus or minus 4.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oyster Bay
Housing in Oyster Bay
- Housing units2,934
- Occupied units2,860
- Vacant units74 plus or minus 92
- Vacancy rate2.5 percent plus or minus 3.1
- Owner occupied1,671
- Renter occupied1,189 plus or minus 316
- Ownership rate58.4 percent
- Median owner-occupied home value$695,500
- Median gross rent, monthly$2,225
- Annual rent as a share of median income24.0 percent
- Single family units1,657
- Share single family56.5 percent
- Units in buildings of two or more1,277 plus or minus 418
- Share in buildings of two or more43.5 percent plus or minus 13.7
- Mobile homes0
- Median year structure built1957
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oyster Bay
How Oyster Bay gets to work
- Workers 16 and over who commute3,073
- Commuting under 15 minutes926 plus or minus 277
- Share commuting under 15 minutes30.1 percent plus or minus 7.4
- Commuting 30 minutes or more1,109 plus or minus 368
- Share commuting 30 minutes or more36.1 percent plus or minus 10.3
- Drove alone69.8 percent
- Carpooled5.5 percent plus or minus 4.0
- Public transport3.9 percent plus or minus 3.1
- Walked2.9 percent plus or minus 3.2
- Worked from home14.6 percent plus or minus 7.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oyster Bay
SBA loans in Oyster Bay (7(a))
- Approvals8
- Gross approval$5,585,000
- Average approval$698,125
- Median approval$350,000
- Ninetieth percentile approval$1,850,000
- Largest approval$1,850,000
- Jobs supported78
- Jobs per approval9.8
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more25.0 percent
- Share to franchises12.5 percent
- Distinct lenders7
- Distinct industries by NAICS6
A charge-off rate is not published here. only 2 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.
Oyster Bay
SBA loans in Oyster Bay (504)
- Approvals1
- Gross approval$295,000
- Average approval$295,000
- Median approval$295,000
- Largest approval$295,000
- Jobs supported3
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Oyster Bay
Flood risk in Oyster Bay
- Listed NFIP communities1
- Of those, participating1
- NFIP community number360483
- Currently effective map date09/11/09
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.
Nassau County, not Oyster Bay
Nassau County context, not Oyster Bay figures
These are Nassau County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Oyster Bay measurements.
- Establishments in Nassau County48,718
- Employment at those establishments, Nassau County562,420
- Covered employment, Nassau County631,563
- Average annual pay, Nassau County$77,454
- Average weekly wage, Nassau County$1,489
- Housing units permitted, Nassau County830
- Of those, single family, Nassau County607
- County product, 2024, Nassau County$130,221,948,000
- County product change over the prior year, Nassau County3.7 percent
- Average income of an arriving household, Nassau County$131,119
Every figure in this section is published for Nassau County as a whole and is not a measurement of Oyster Bay. 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
Oyster Bay questions, answered from the record.
How many people live in Oyster Bay, New York?
7,308, in 2,860 households. Oyster Bay CDP covers 1.24 square miles of land, which is 5,908 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Oyster Bay in?
Nassau 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 Oyster Bay?
$111,264. The median owner-occupied home is valued at $695,500. Median gross rent is $2,225 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Oyster Bay businesses?
8 7(a) approvals totalling $5.6 m, across 7 lenders, median approval $350,000, plus 1 504 approvals worth $295,000. These count approvals to borrowers whose address is in Oyster Bay, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Oyster Bay borrowers get paid back?
No rate is published for Oyster Bay. only 2 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 Oyster Bay in the National Flood Insurance Program?
Yes. Oyster Bay appears in the FEMA Community Status Book as community 360483, 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 Oyster Bay figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Nassau 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 Oyster Bay.
Is zoning published for Oyster Bay?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.