Ontario County, New York: commercial real estate data.
Ontario County, New York had an estimated 113,012 residents on July 1, 2024, up 0.5 percent since the 2020 census base of 112,465, across 644 square miles. County output reached $8.92 bn in 2024, 2,895 establishments operate here, and the SBA record carries 164 7(a) approvals worth $47.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Ontario County
How many people live in Ontario County
- Population, American Community Survey 2020-2024112,625
- Households48,311
- Average household size2.33
- Median household income$82,324
- Median age44.2
- Median gross rent$1,150 per month
- Median owner-occupied home value$222,900
- Home value to household income2.7 times
- Annual rent as a share of median income16.8 percent
- Adults 25 and over with a bachelor degree or higher38.0 percent
- Adults 25 and over with a graduate degree17.1 percent
- Adults 25 and over81,153
- Population under 1821,668
- Share under 1819.2 percent
- Population 65 and over24,963
- Share 65 and over22.2 percent
- Working age population, 18 to 6465,994
- Civilian labor force56,990
- Unemployment rate3.7 percent
- Labor force participation, adults 18 and over62.7 percent
- Rank by population among New York counties26th of 62
- Rank by population among US county-equivalents, Puerto Rico included559th of 3,222
Ontario County is the 26th largest of 62 New York counties by population. A median home costs 2.7 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 22.2 percent against 19.2 percent, which points demand at health care, services and single story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Ontario County
Is Ontario County's population growing?
- Population, July 1, 2024113,012
- Census 2020 base population112,465
- Population change since the 2020 census base0.49 percent
- Population change, 2023 to 2024407
- Births, 2024995
- Deaths, 20241,219
- Natural change, 2024-224
- Net domestic migration, 2024416
- Net international migration, 2024217
- Total net migration, 2024633
- Cumulative net domestic migration, 2021 to 2024899
- Rank by growth among US county-equivalents1658th of 3,144
The county has grown 0.49 percent 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.
Ontario County
Where are people moving to Ontario County from?
- Tax returns filed by households arriving3,072
- People arriving, from those returns5,089
- Tax returns filed by households leaving3,025
- Net household movement47
- Adjusted gross income arriving$234.1 m
- Net adjusted gross income movement$17.4 m
- Average income of an arriving household$76,192
- Average income of a leaving household$71,631
- Largest single originMonroe County (966 households)
- Largest single destinationMonroe County (758 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Monroe County | 966 | 1,560 | $86.4 m |
| Wayne County | 348 | 618 | $17.4 m |
| Yates County | 149 | 252 | $9.3 m |
| Seneca County | 148 | 244 | $7.0 m |
| Livingston County | 102 | 176 | $6.3 m |
| Erie County | 74 | 118 | $5.4 m |
| Steuben County | 66 | 104 | $4.3 m |
| Onondaga County | 56 | 88 | $4.1 m |
Households arriving report $4,561 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Monroe 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.
Ontario County
What is the Ontario County economy?
- County GDP, 2024$8.92 bn
- County GDP, 2023$8.33 bn
- GDP change, 2023 to 20247.0 percent
- GDP change over five years33.9 percent
- Rank by GDP among the New York areas BEA publishes24th of 62
- Rank by GDP among the US county areas BEA publishes488th of 3,127
- GDP per resident$79,178
Output grew 7.0 percent in the latest year and 33.9 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.
Ontario County
Employment by industry in Ontario County
- Covered employment, annual average53,913
- Establishments reporting3,312
- Average annual pay$64,047
- Average weekly wage$1,232
- Health care and social assistance, employment7,612
- Health care and social assistance, average annual pay$57,064
- Retail trade, employment7,375
- Retail trade, average annual pay$38,054
- Manufacturing, employment6,229
- Manufacturing, average annual pay$73,960
- Accommodation and food services, employment4,882
- Accommodation and food services, average annual pay$28,015
- Construction, employment3,412
- Administrative and support and waste management services, employment3,301
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 7,612 | 274 | $57,064 |
| Retail trade | 7,375 | 462 | $38,054 |
| Manufacturing | 6,229 | 181 | $73,960 |
| Accommodation and food services | 4,882 | 304 | $28,015 |
| Construction | 3,412 | 294 | $96,379 |
| Administrative and support and waste management services | 3,301 | 192 | $106,776 |
| Transportation and warehousing | 2,000 | 63 | $57,130 |
| Professional, scientific and technical services | 1,590 | 272 | $93,221 |
Health care and social assistance is the largest private sector at 7,612 jobs, 14.1 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Ontario County
How many businesses are in Ontario County?
- Establishments, all industries2,895
- Employment at those establishments45,420
- Annual payroll$2.63 bn
- Establishments per 1,000 residents25.7
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.
Ontario County
Building permits in Ontario County
- Housing units authorized by permit, 2024287
- Declared construction value permitted$84.7 m
- Single family units authorized216
- Multifamily units authorized71
- Multifamily share of units24.7 percent
- Average declared value per unit$295,152
- Units authorized per 1,000 households5.9
Single-family homes are 75.3 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Ontario County
SBA loans in Ontario County (7(a) and 504)
- 7(a) approvals recorded164
- 7(a) gross approval dollars$47.6 m
- Average 7(a) approval$289,988
- Median 7(a) approval$112,450
- 10th percentile approval$25,000
- 90th percentile approval$535,900
- Largest single approval$4,151,500
- Jobs reported supported, 7(a)1,507
- Jobs per approval9.2
- Distinct 7(a) lenders active32
- Distinct industries receiving approvals91
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer4.9 percent
- Loans on real estate terms8
- Loans on working capital terms, 120 months or shorter150
- Franchise loans13
- Franchise share of approvals7.9 percent
- Leading industry by approval countFull-Service Restaurants (7)
- Most active lenderESL FCU (37)
- 504 approvals recorded42
- 504 gross approval dollars$24.0 m
- Average 504 approval$571,810
- Median 504 approval$336,000
- Distinct CDCs active3
- 504 jobs per approval10.2
- 504 jobs per million dollars approved17.8
- Most active CDCEmpire State Certified Development Corporation (39)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$71.6 m
The average approval of $289,988 sits well above the median of $112,450, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 4.9 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.
Ontario County
SBA loan default and charge-off rates in Ontario County
Do SBA loans in Ontario County get paid back?
- Loans with a final outcome recorded37
- Paid in full37
- Charged off0
- Charge-off rate on resolved loans0.0 percent
- Status: Paid in full37
- Status: Cancelled19
- Status: Exempt from disclosure102
- Status: Committed, not yet disbursed6
Of the 37 loans that have reached a final outcome, 0.0 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.
Ontario County
SBA lending by place in Ontario County
- Borrower cities with recorded lending14
- Victor, approvals61
- Canandaigua, approvals34
- Farmington, approvals14
- Geneva, approvals13
- Bloomfield, approvals10
- Naples, approvals9
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Victor | 61 | $20,520,200 |
| Canandaigua | 34 | $8,843,100 |
| Farmington | 14 | $2,450,400 |
| Geneva | 13 | $3,834,600 |
| Bloomfield | 10 | $1,068,600 |
| Naples | 9 | $2,006,500 |
| Clifton Springs | 6 | $3,204,000 |
| Shortsville | 5 | $621,200 |
| 6 other borrower cities | 12 | $5,009,500 |
Victor accounts for 61 approvals against 34 in Canandaigua. 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.
Ontario County
How large is Ontario County?
- Land area644 sq mi
- Rank by land area among New York counties34th of 62
- Width, east to west32.9 mi
- Height, north to south32 mi
- Geographies sharing a boundary6
- Residents per square mile of land175
- Establishments per square mile4.50
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.
Ontario County
Flood risk in Ontario County
- Communities in the county in the NFIP Community Status Book26
- Of those, participating in the NFIP26
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 8
- Communities carrying a CRS class1
- Radon levels in Ontario County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The EPA places Ontario County in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. The best Community Rating System class among the county's communities is 8, which carries a flood insurance premium discount for policies written in that community. 100.0 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 Ontario 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 Ontario County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024112,625
- Households48,311
- Average household size2.33
- Median household income$82,324
- Median age44.2
Common questions
Ontario County questions, answered from the record.
How many people live in Ontario County, New York?
The Census Bureau estimates 113,012 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 112,625, in 48,311 households, ranking 26th of 62 New York counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Ontario County's population growing?
The population has grown 0.49 percent since the 2020 census base of 112,465, to 113,012 on July 1, 2024. In 2024 there were 995 births against 1,219 deaths, with net migration of 633. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Ontario County?
$82,324. The median owner-occupied home is valued at $222,900, which is 2.7 times income, and median gross rent is $1,150 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Ontario County?
2,895 establishments, employing 45,420 people with an annual payroll of $2.63 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 Ontario County?
Health care and social assistance is the largest private sector at 7,612 jobs, 14.1 percent of covered employment. Covered employment averages 53,913 jobs at an average annual pay of $64,047, or $1,232 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Ontario County?
164 7(a) approvals totaling $47.6 m since FY2020, across 32 lenders, with a median approval of $112,450, plus 42 504 approvals worth $24.0 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Ontario County get paid back?
Of the 37 loans that have reached a final outcome, 37 were paid in full and 0 charged off, a charge-off rate of 0.0 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Ontario County?
287 housing units were authorized by permit in 2024, with a declared construction value of $84.7 m. Multifamily was 24.7 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Ontario County?
Zone 1, a predicted average indoor radon screening level greater than 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 Ontario County come from?
The largest single origin is Monroe County, with 966 households. Arriving households report an average income of $76,192 against $71,631 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Ontario 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 Ontario 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.
Ontario County
Cities and places in Ontario.
15 Census places lie wholly or partly in Ontario County. All 15 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 |
|---|---|---|---|---|
| Geneva | city | 12,512 | 13 | 72.2 percent here, 27.8 percent Seneca County |
| Canandaigua | city | 10,514 | 34 | Wholly in this county |
| Victor | village | 2,687 | 61 | Wholly in this county |
| Clifton Springs | village | 2,273 | 6 | Wholly in this county |
| Phelps | village | 2,254 | 4 | Wholly in this county |
| Shortsville | village | 1,713 | 5 | Wholly in this county |
| Manchester | village | 1,631 | 4 | Wholly in this county |
| Bloomfield | village | 1,310 | 10 | Wholly in this county |
| Naples | village | 1,028 | 9 | Wholly in this county |
| Port Gibson | CDP | 661 | None recorded | Wholly in this county |
| Rushville | village | 603 | 1 | 49.9 percent here, 50.1 percent Yates County |
| Honeoye | CDP | 539 | None recorded | Wholly in this county |
| Crystal Beach | CDP | 531 | None recorded | Wholly in this county |
| Gorham | CDP | 315 | None recorded | Wholly in this county |
| Hall | CDP | 255 | None recorded | Wholly in this county |
A further 17 of the county's 164 SBA 7(a) approvals are to borrowers in cities that match no Census place in Ontario County, the largest being Farmington (14), Fishers (1), Ionia (1). 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