Oneida County, New York: commercial real estate data.
Oneida County, New York had an estimated 228,347 residents on July 1, 2024, down 1.6 percent since the 2020 census base of 232,121, across 1,212 square miles. County output reached $14.68 bn in 2024, 4,713 establishments operate here, and the SBA record carries 183 7(a) approvals worth $56.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Oneida County
How many people live in Oneida County
- Population, American Community Survey 2020-2024229,124
- Households95,220
- Average household size2.41
- Median household income$70,154
- Median age40.7
- Median gross rent$944 per month
- Median owner-occupied home value$182,600
- Home value to household income2.6 times
- Annual rent as a share of median income16.1 percent
- Adults 25 and over with a bachelor degree or higher27.9 percent
- Adults 25 and over with a graduate degree12.1 percent
- Adults 25 and over159,063
- Population under 1849,023
- Share under 1821.4 percent
- Population 65 and over45,430
- Share 65 and over19.8 percent
- Working age population, 18 to 64134,671
- Civilian labor force107,110
- Unemployment rate4.6 percent
- Labor force participation, adults 18 and over59.5 percent
- Rank by population among New York counties17th of 62
- Rank by population among US county-equivalents, Puerto Rico included313th of 3,222
Oneida County is the 17th largest of 62 New York counties by population. A median home costs 2.6 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 21.4 percent against 19.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Oneida County
Is Oneida County's population growing?
- Population, July 1, 2024228,347
- Census 2020 base population232,121
- Population change since the 2020 census base-1.63 percent
- Population change, 2023 to 2024337
- Births, 20242,213
- Deaths, 20242,638
- Natural change, 2024-425
- Net domestic migration, 2024-444
- Net international migration, 20241,207
- Total net migration, 2024763
- Cumulative net domestic migration, 2021 to 2024-3,751
- Rank by growth among US county-equivalents2401st of 3,144
The county has lost 1.63 percent of its population 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.
Oneida County
Where are people moving to Oneida County from?
- Tax returns filed by households arriving3,474
- People arriving, from those returns5,695
- Tax returns filed by households leaving3,968
- Net household movement-494
- Adjusted gross income arriving$182.1 m
- Net adjusted gross income movement$-114.6 m
- Average income of an arriving household$52,417
- Average income of a leaving household$74,783
- Largest single originHerkimer County (437 households)
- Largest single destinationHerkimer County (455 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Herkimer County | 437 | 736 | $21.6 m |
| Madison County | 392 | 667 | $18.3 m |
| Onondaga County | 212 | 310 | $11.0 m |
| Lewis County | 77 | 129 | $3.8 m |
| Bronx County | 71 | 127 | $2.5 m |
| Oswego County | 69 | 125 | $2.7 m |
| Queens County | 62 | 119 | $2.6 m |
| Kings County | 59 | 104 | $2.1 m |
Households arriving report $22,366 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Herkimer 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.
Oneida County
What is the Oneida County economy?
- County GDP, 2024$14.68 bn
- County GDP, 2023$13.98 bn
- GDP change, 2023 to 20245.0 percent
- GDP change over five years25.1 percent
- Rank by GDP among the New York areas BEA publishes18th of 62
- Rank by GDP among the US county areas BEA publishes329th of 3,127
- GDP per resident$64,070
Output grew 5.0 percent in the latest year and 25.1 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.
Oneida County
Employment by industry in Oneida County
- Covered employment, annual average102,542
- Establishments reporting5,356
- Average annual pay$61,102
- Average weekly wage$1,175
- Health care and social assistance, employment19,821
- Health care and social assistance, average annual pay$54,551
- Retail trade, employment10,679
- Retail trade, average annual pay$37,933
- Manufacturing, employment10,038
- Manufacturing, average annual pay$69,057
- Accommodation and food services, employment7,248
- Accommodation and food services, average annual pay$25,447
- Finance and insurance, employment5,320
- Transportation and warehousing, employment3,756
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 19,821 | 586 | $54,551 |
| Retail trade | 10,679 | 708 | $37,933 |
| Manufacturing | 10,038 | 226 | $69,057 |
| Accommodation and food services | 7,248 | 533 | $25,447 |
| Finance and insurance | 5,320 | 250 | $84,890 |
| Transportation and warehousing | 3,756 | 107 | $57,932 |
| Administrative and support and waste management services | 3,450 | 279 | $56,502 |
| Professional, scientific and technical services | 3,448 | 453 | $85,603 |
Health care and social assistance is the largest private sector at 19,821 jobs, 19.3 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Oneida County
How many businesses are in Oneida County?
- Establishments, all industries4,713
- Employment at those establishments85,570
- Annual payroll$4.57 bn
- Establishments per 1,000 residents20.6
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.
Oneida County
Building permits in Oneida County
- Housing units authorized by permit, 2024221
- Declared construction value permitted$46.1 m
- Single family units authorized125
- Multifamily units authorized96
- Multifamily share of units43.4 percent
- Average declared value per unit$208,592
- Units authorized per 1,000 households2.3
Multifamily is 43.4 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Oneida County
SBA loans in Oneida County (7(a) and 504)
- 7(a) approvals recorded183
- 7(a) gross approval dollars$56.5 m
- Average 7(a) approval$308,736
- Median 7(a) approval$60,000
- 10th percentile approval$15,420
- 90th percentile approval$700,080
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)1,575
- Jobs per approval8.6
- Distinct 7(a) lenders active26
- Distinct industries receiving approvals90
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer12.6 percent
- Loans on real estate terms23
- Loans on working capital terms, 120 months or shorter154
- Franchise loans3
- Franchise share of approvals1.6 percent
- Most active lenderManufacturers and Traders Trust Company (90)
- 504 approvals recorded38
- 504 gross approval dollars$29.8 m
- Average 504 approval$784,368
- Median 504 approval$478,500
- Distinct CDCs active3
- 504 jobs per approval13.5
- 504 jobs per million dollars approved17.2
- Most active CDCEmpire State Certified Development Corporation (35)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$86.3 m
The average approval of $308,736 sits well above the median of $60,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 12.6 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.
Oneida County
SBA loan default and charge-off rates in Oneida County
Do SBA loans in Oneida County get paid back?
- Loans with a final outcome recorded34
- Paid in full30
- Charged off4
- Charge-off rate on resolved loans11.8 percent
- Status: Paid in full30
- Status: Exempt from disclosure115
- Status: Cancelled18
- Status: Charged off4
- Status: Committed, not yet disbursed16
Of the 34 loans that have reached a final outcome, 11.8 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.
Oneida County
SBA lending by place in Oneida County
- Borrower cities with recorded lending30
- Utica, approvals52
- New Hartford, approvals25
- Rome, approvals23
- Clinton, approvals16
- Whitesboro, approvals10
- Camden, approvals6
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Utica | 52 | $13,490,300 |
| New Hartford | 25 | $3,653,700 |
| Rome | 23 | $12,314,300 |
| Clinton | 16 | $7,679,000 |
| Whitesboro | 10 | $1,496,000 |
| Camden | 6 | $793,600 |
| Forestport | 4 | $1,583,000 |
| Barneveld | 4 | $167,500 |
| 22 other borrower cities | 43 | $15,321,200 |
Utica accounts for 52 approvals against 25 in New Hartford. 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.
Oneida County
How large is Oneida County?
- Land area1,212 sq mi
- Rank by land area among New York counties11th of 62
- Width, east to west41.3 mi
- Height, north to south51.9 mi
- Geographies sharing a boundary5
- Residents per square mile of land189
- Establishments per square mile3.89
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.
Oneida County
Flood risk in Oneida County
- Communities in the county in the NFIP Community Status Book48
- Of those, participating in the NFIP47
- NFIP participation rate97.9 percent
- Communities carrying a CRS class0
- Radon levels in Oneida County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The EPA places Oneida County in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 97.9 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 Oneida 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 Oneida County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024229,124
- Households95,220
- Average household size2.41
- Median household income$70,154
- Median age40.7
Common questions
Oneida County questions, answered from the record.
How many people live in Oneida County, New York?
The Census Bureau estimates 228,347 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 229,124, in 95,220 households, ranking 17th of 62 New York counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Oneida County's population growing?
The population has fallen 1.63 percent since the 2020 census base of 232,121, to 228,347 on July 1, 2024. In 2024 there were 2,213 births against 2,638 deaths, with net migration of 763. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Oneida County?
$70,154. The median owner-occupied home is valued at $182,600, which is 2.6 times income, and median gross rent is $944 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Oneida County?
4,713 establishments, employing 85,570 people with an annual payroll of $4.57 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 Oneida County?
Health care and social assistance is the largest private sector at 19,821 jobs, 19.3 percent of covered employment. Covered employment averages 102,542 jobs at an average annual pay of $61,102, or $1,175 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Oneida County?
183 7(a) approvals totaling $56.5 m since FY2020, across 26 lenders, with a median approval of $60,000, plus 38 504 approvals worth $29.8 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Oneida County get paid back?
Of the 34 loans that have reached a final outcome, 30 were paid in full and 4 charged off, a charge-off rate of 11.8 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Oneida County?
221 housing units were authorized by permit in 2024, with a declared construction value of $46.1 m. Multifamily was 43.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Oneida County?
Zone 2, a predicted average indoor radon screening level from 2 to 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 Oneida County come from?
The largest single origin is Herkimer County, with 437 households. Arriving households report an average income of $52,417 against $74,783 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Oneida 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 Oneida 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.
Oneida County
Cities and places in Oneida.
36 Census places lie wholly or partly in Oneida County. All 36 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 |
|---|---|---|---|---|
| Utica | city | 64,217 | 52 | Wholly in this county |
| Rome | city | 31,795 | 23 | Wholly in this county |
| New York Mills | village | 3,856 | None recorded | Wholly in this county |
| Whitesboro | village | 3,633 | 10 | Wholly in this county |
| Lake Delta | CDP | 3,202 | None recorded | Wholly in this county |
| Sherrill | city | 3,028 | 2 | Wholly in this county |
| Camden | village | 2,695 | 6 | Wholly in this county |
| Yorkville | village | 2,613 | 1 | Wholly in this county |
| Washington Mills | CDP | 2,112 | None recorded | Wholly in this county |
| Hamilton College | CDP | 2,058 | None recorded | Wholly in this county |
| New Hartford | village | 1,989 | 25 | Wholly in this county |
| Boonville | village | 1,880 | None recorded | Wholly in this county |
| Clinton | village | 1,813 | 16 | Wholly in this county |
| Waterville | village | 1,731 | 3 | Wholly in this county |
| Clark Mills | CDP | 1,591 | None recorded | Wholly in this county |
| Verona | CDP | 1,389 | 2 | Wholly in this county |
| Oriskany | village | 1,238 | 1 | Wholly in this county |
| Vernon | village | 1,238 | 3 | Wholly in this county |
| Sylvan Beach | village | 881 | None recorded | Wholly in this county |
| Chadwicks | CDP | 791 | None recorded | Wholly in this county |
| Durhamville | CDP | 749 | None recorded | Wholly in this county |
| Marcy | CDP | 697 | 3 | Wholly in this county |
| Oriskany Falls | village | 600 | None recorded | Wholly in this county |
| Oneida Castle | village | 597 | None recorded | Wholly in this county |
| Bridgewater | CDP | 543 | None recorded | 97.7 percent here, 2.3 percent Madison County |
| Remsen | village | 373 | 1 | Wholly in this county |
| Holland Patent | village | 360 | 2 | Wholly in this county |
| North Bay | CDP | 257 | None recorded | Wholly in this county |
| Clayville | village | 254 | 3 | Wholly in this county |
| Barneveld | CDP | 240 | 4 | Wholly in this county |
| Prospect | CDP | 218 | 1 | Wholly in this county |
| Westernville | CDP | 195 | None recorded | Wholly in this county |
| Stittville | CDP | 155 | 3 | Wholly in this county |
| Otter Lake | CDP | 77 | None recorded | Wholly in this county |
| Westmoreland | CDP | 61 | 2 | Wholly in this county |
| White Lake | CDP | 55 | None recorded | Wholly in this county |
A further 20 of the county's 183 SBA 7(a) approvals are to borrowers in cities that match no Census place in Oneida County, the largest being Forestport (4), Sauquoit (4), Verona Beach (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