HomeNew YorkOneida CountyWhitesboro
Whitesboro, New York: commercial real estate data.
Whitesboro is a Census village of 3,633 people across 1.05 square miles of land, in Oneida County. Median household income is $45,934, 46.4 percent of occupied homes are owned, and the SBA record carries 10 7(a) approvals to borrowers here worth $1.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Whitesboro
What Whitesboro is
- Census place typevillage
- Land area1.05 sq mi
- Water area0 sq mi
- Population per square mile of land3,461
- County holding the largest share of its areaOneida 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.
Whitesboro
How many people live in Whitesboro
- Population3,633
- Median age31.4 plus or minus 6.9
- Population under 18769 plus or minus 236
- Share under 1821.2 percent plus or minus 6.5
- Population 65 and over447 plus or minus 152
- Share 65 and over12.3 percent plus or minus 4.2
- Households1,808
- Family households966
- Share of households that are families53.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Whitesboro
Income and work in Whitesboro
- Median household income$45,934
- Per capita income$30,542
- Civilian labor force2,047
- Employed1,934
- Unemployed113 plus or minus 86
- Unemployment rate5.5 percent plus or minus 4.1
- Adults 25 and over2,378
- Adults 25 and over with a high school diploma or higher88.8 percent
- Adults 25 and over with a bachelor degree or higher20.8 percent plus or minus 7.1
- Adults 25 and over with a graduate degree7.7 percent plus or minus 5.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Whitesboro
Housing in Whitesboro
- Housing units1,979
- Occupied units1,808
- Vacant units171 plus or minus 128
- Vacancy rate8.6 percent plus or minus 6.4
- Owner occupied839 plus or minus 199
- Renter occupied969 plus or minus 239
- Ownership rate46.4 percent plus or minus 10.2
- Median owner-occupied home value$160,700
- Median gross rent, monthly$924
- Annual rent as a share of median income24.1 percent
- Single family units982 plus or minus 239
- Share single family49.6 percent plus or minus 11.3
- Units in buildings of two or more997 plus or minus 299
- Share in buildings of two or more50.4 percent plus or minus 14.5
- Mobile homes0
- Median year structure built1951
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Whitesboro
How Whitesboro gets to work
- Workers 16 and over who commute1,749
- Commuting under 15 minutes1,028 plus or minus 340
- Share commuting under 15 minutes58.8 percent plus or minus 18.0
- Commuting 30 minutes or more123 plus or minus 97
- Share commuting 30 minutes or more7.0 percent plus or minus 5.5
- Drove alone92.1 percent
- Carpooled0.0 percent
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home7.9 percent plus or minus 6.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Whitesboro
SBA loans in Whitesboro (7(a))
- Approvals10
- Gross approval$1,496,000
- Average approval$149,600
- Median approval$75,000
- Largest approval$847,000
- Jobs supported93
- Jobs per approval9.3
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders3
- Distinct industries by NAICS6
Counted by borrower city: approvals to borrowers whose address is in Whitesboro, in any county, FY2020 to FY2026. Only 1 loan has 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.
Whitesboro
SBA loans in Whitesboro (504)
- Approvals1
- Gross approval$179,000
- Average approval$179,000
- Median approval$179,000
- Largest approval$179,000
- Jobs supported0
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Whitesboro, in any county, FY2010 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, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Whitesboro
Flood risk in Whitesboro
- NFIP communityVillage of Whitesboro
- NFIP community number360566
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/27/13
The Village of Whitesboro participates in the National Flood Insurance Program as community 360566 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.
Oneida County, not Whitesboro
Oneida County context, not Whitesboro figures
- Establishments in Oneida County4,713
- Covered employment, Oneida County102,542
- Average annual pay, Oneida County$61,102
- Housing units permitted, Oneida County221
Every figure in this section is published for Oneida County as a whole and is not a measurement of Whitesboro.
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
Whitesboro questions, answered from the record.
How many people live in Whitesboro, New York?
3,633, in 1,808 households. Whitesboro village covers 1.05 square miles of land, which is 3,461 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Whitesboro in?
Oneida 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 Whitesboro?
$45,934. The median owner-occupied home is valued at $160,700. Median gross rent is $924 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Whitesboro businesses?
10 7(a) approvals totaling $1.5 m since FY2020, across 3 lenders, median approval $75,000, plus 1 504 approvals worth $179,000 since FY2010. These count approvals to borrowers whose address is in Whitesboro, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Whitesboro borrowers get paid back?
No rate is published for Whitesboro. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Whitesboro in the National Flood Insurance Program?
Yes. Whitesboro appears in the FEMA Community Status Book as Whitesboro, village of, community 360566, 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 Whitesboro figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Oneida 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 Whitesboro.
Is zoning published for Whitesboro?
No. Nothing on this page presents parcel level zoning.