Oneida County, New York: commercial real estate data.
Oneida County, New York has a population of 229,124 across 1,212 square miles, down 1.6 percent since the 2020 census base. 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.
128 sourced county values · tier FULL · 12 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Oneida County
How many people live in Oneida County
- Population229,124
- 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-equivalents313th
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 an affordable ownership market 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 change since the 2020 census base-1.63 percent
- Census 2020 base population232,121
- 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
The county has lost 1.63 percent of its population since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone 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
- Adjusted gross income arriving$182.1 m
- Net adjusted gross income movement$0
- Average income of an arriving household$52,417
- Largest single originOneida County Non-migrants (88,323 households)
- Largest single destination (88,323 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Oneida County Non-migrants | 88,323 | 170,013 | $6.18 bn |
| Other flows - Different State | 1,256 | 2,121 | $70.2 m |
| Other flows - South | 600 | 1,023 | $35.9 m |
| Herkimer County | 437 | 736 | $21.6 m |
| Madison County | 392 | 667 | $18.3 m |
| Other flows - Northeast | 308 | 488 | $16.4 m |
| Other flows - Same State | 231 | 325 | $11.1 m |
| Onondaga County | 212 | 310 | $11.0 m |
The largest single source of arrivals is Oneida County Non-migrants, 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 New York counties18th
- Rank by GDP among US county-equivalents329th
- 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
Largest employers in Oneida County
- Covered employment, annual average102,542
- Establishments reporting5,356
- Average annual pay$61,102
- Average weekly wage$1,175
- Sector 62, employment19,821
- Sector 62, average annual pay$54,551
- Sector 44-45, employment10,679
- Sector 44-45, average annual pay$37,933
- Sector 31-33, employment10,038
- Sector 31-33, average annual pay$69,057
- Sector 72, employment7,248
- Sector 72, average annual pay$25,447
- Sector 52, employment5,320
- Sector 48-49, employment3,756
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 19,821 | 586 | $54,551 |
| Sector 44-45 | 10,679 | 708 | $37,933 |
| Sector 31-33 | 10,038 | 226 | $69,057 |
| Sector 72 | 7,248 | 533 | $25,447 |
| Sector 52 | 5,320 | 250 | $84,890 |
| Sector 48-49 | 3,756 | 107 | $57,932 |
| Sector 56 | 3,450 | 279 | $56,502 |
| Sector 54 | 3,448 | 453 | $85,603 |
The largest sector is the biggest private employer group at 19,821 jobs, 19.3 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
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.
US Census Bureau, County Business Patterns, 2023.
Oneida County
Building permits in Oneida County
- Housing units authorised by permit, 2024221
- Declared construction value permitted$46.1 m
- Single family units authorised125
- Multifamily units authorised96
- Multifamily share of units43.4 percent
- Average declared value per unit$208,592
- Units authorised per 1,000 households2.3
Multifamily is 43.4 percent of units authorised, 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$15,200
- 90th percentile approval$700,100
- 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
- Leading industry by approval countBeer, Wine, and Liquor Retailers (8)
- 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$484,000
- Distinct CDCs active3
- 504 jobs per approval13.5
- 504 jobs per million dollars approved17.2
- Most active CDCEmpire State Certified Development Corporation (35)
- 7(a) share of SBA approvals82.8 percent
- Combined SBA approval dollars$86.3 m
The average approval of $308,736 sits well above the median of $60,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually 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
- Places in the county with recorded lending30
- Utica, approvals52
- New Hartford, approvals25
- ROME, approvals23
- CLINTON, approvals16
- Whitesboro, approvals10
- CAMDEN, approvals6
| Place | 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 |
| SAUQUOIT | 4 | $113,500 |
| FORESTPORT | 4 | $1,583,000 |
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 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 FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
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.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
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.
- Population229,124
- 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?
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. 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 the average wage in Oneida County?
Average annual pay is $61,102, or $1,175 a week, across 102,542 covered jobs. 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 totalling $56.5 m since FY2020, across 26 lenders, with a median approval of $60,000, plus 38 504 approvals worth $29.8 m. 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 authorised 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 Oneida County Non-migrants, with 88,323 households. Arriving households report an average income of $52,417 against null 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.
Oneida County
Cities and places in Oneida.
36 Census places lie wholly or partly in Oneida County. 36 carry enough published place level data for a page of their own and are linked. The rest are named here and not linked, because the American Community Survey and the SBA record between them do not carry enough about them to write an honest page. A place existing is itself worth knowing, so nothing in the county is left out.
| Place | Type | Population | SBA approvals | 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 22 SBA approvals in Oneida County are recorded against borrower cities that match no Census place, the largest being Forestport, Sauquoit, Blossvale. Those are postal cities and unincorporated areas rather than incorporated places, so no page claims them, and their lending is counted in this county's totals above rather than under any city.