Orange County, New York: commercial real estate data.
Orange County, New York had an estimated 411,767 residents on July 1, 2024, up 2.6 percent since the 2020 census base of 401,318, across 812 square miles. County output reached $27.75 bn in 2024, 10,467 establishments operate here, and the SBA record carries 882 7(a) approvals worth $333.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Orange County
How many people live in Orange County
- Population, American Community Survey 2020-2024406,616
- Households138,608
- Average household size2.93
- Median household income$97,178
- Median age37.0
- Median gross rent$1,680 per month
- Median owner-occupied home value$387,900
- Home value to household income4.0 times
- Annual rent as a share of median income20.7 percent
- Adults 25 and over with a bachelor degree or higher32.5 percent
- Adults 25 and over with a graduate degree13.9 percent
- Adults 25 and over260,987
- Population under 18104,187
- Share under 1825.6 percent
- Population 65 and over59,535
- Share 65 and over14.6 percent
- Working age population, 18 to 64242,894
- Civilian labor force195,355
- Unemployment rate5.5 percent
- Labor force participation, adults 18 and over64.6 percent
- Rank by population among New York counties12th of 62
- Rank by population among US county-equivalents, Puerto Rico included182nd of 3,222
Orange County is the 12th largest of 62 New York counties by population. A median home costs 4.0 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 25.6 percent against 14.6 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Orange County
Is Orange County's population growing?
- Population, July 1, 2024411,767
- Census 2020 base population401,318
- Population change since the 2020 census base2.60 percent
- Population change, 2023 to 20243,340
- Births, 20245,505
- Deaths, 20242,986
- Natural change, 20242,519
- Net domestic migration, 2024-1,654
- Net international migration, 20242,458
- Total net migration, 2024804
- Cumulative net domestic migration, 2021 to 2024-4,724
- Rank by growth among US county-equivalents984th of 3,144
The county has grown 2.60 percent since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Orange County
Where are people moving to Orange County from?
- Tax returns filed by households arriving9,504
- People arriving, from those returns17,478
- Tax returns filed by households leaving10,697
- Net household movement-1,193
- Adjusted gross income arriving$746.4 m
- Net adjusted gross income movement$-78.7 m
- Average income of an arriving household$78,537
- Average income of a leaving household$77,137
- Largest single originBronx County (1,099 households)
- Largest single destinationUlster County (665 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Bronx County | 1,099 | 2,196 | $77.4 m |
| Rockland County | 752 | 1,469 | $65.2 m |
| Kings County | 673 | 1,667 | $64.3 m |
| Queens County | 593 | 1,053 | $51.2 m |
| Ulster County | 585 | 959 | $35.0 m |
| Westchester County | 548 | 989 | $35.6 m |
| Dutchess County | 503 | 828 | $31.6 m |
| New York County | 454 | 822 | $67.4 m |
Households arriving report $1,400 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 Bronx 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.
Orange County
What is the Orange County economy?
- County GDP, 2024$27.75 bn
- County GDP, 2023$26.30 bn
- GDP change, 2023 to 20245.5 percent
- GDP change over five years30.9 percent
- Rank by GDP among the New York areas BEA publishes12th of 62
- Rank by GDP among the US county areas BEA publishes208th of 3,127
- GDP per resident$68,243
Output grew 5.5 percent in the latest year and 30.9 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.
Orange County
Employment by industry in Orange County
- Covered employment, annual average155,524
- Establishments reporting11,900
- Average annual pay$62,619
- Average weekly wage$1,204
- Health care and social assistance, employment24,237
- Health care and social assistance, average annual pay$64,612
- Retail trade, employment20,953
- Retail trade, average annual pay$42,409
- Accommodation and food services, employment11,673
- Accommodation and food services, average annual pay$29,239
- Transportation and warehousing, employment11,224
- Transportation and warehousing, average annual pay$61,559
- Administrative and support and waste management services, employment8,658
- Manufacturing, employment8,569
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 24,237 | 990 | $64,612 |
| Retail trade | 20,953 | 1,446 | $42,409 |
| Accommodation and food services | 11,673 | 963 | $29,239 |
| Transportation and warehousing | 11,224 | 344 | $61,559 |
| Administrative and support and waste management services | 8,658 | 728 | $50,644 |
| Manufacturing | 8,569 | 352 | $70,137 |
| Wholesale trade | 8,209 | 507 | $73,840 |
| Construction | 7,506 | 1,359 | $72,410 |
Health care and social assistance is the largest private sector at 24,237 jobs, 15.6 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Orange County
How many businesses are in Orange County?
- Establishments, all industries10,467
- Employment at those establishments129,093
- Annual payroll$6.68 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.
Orange County
Building permits in Orange County
- Housing units authorized by permit, 20242,172
- Declared construction value permitted$423.9 m
- Single family units authorized445
- Multifamily units authorized1,727
- Multifamily share of units79.5 percent
- Average declared value per unit$195,165
- Units authorized per 1,000 households15.7
Multifamily is 79.5 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Orange County
SBA loans in Orange County (7(a) and 504)
- 7(a) approvals recorded882
- 7(a) gross approval dollars$333.2 m
- Average 7(a) approval$377,812
- Median 7(a) approval$150,000
- 10th percentile approval$25,000
- 90th percentile approval$829,600
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)5,139
- Jobs per approval5.8
- Distinct 7(a) lenders active81
- Distinct industries receiving approvals263
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer7.8 percent
- Loans on real estate terms69
- Loans on working capital terms, 120 months or shorter803
- Franchise loans19
- Franchise share of approvals2.2 percent
- Leading industry by approval countResidential Remodelers (29)
- Most active lenderTD Bank, National Association (214)
- 504 approvals recorded137
- 504 gross approval dollars$153.7 m
- Average 504 approval$1,122,248
- Median 504 approval$599,000
- Distinct CDCs active5
- 504 jobs per approval8.6
- 504 jobs per million dollars approved7.6
- Most active CDCEmpire State Certified Development Corporation (115)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$487.0 m
The average approval of $377,812 sits well above the median of $150,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 7.8 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.
Orange County
SBA loan default and charge-off rates in Orange County
Do SBA loans in Orange County get paid back?
- Loans with a final outcome recorded143
- Paid in full100
- Charged off43
- Charge-off rate on resolved loans30.1 percent
- Status: Exempt from disclosure588
- Status: Cancelled110
- Status: Paid in full100
- Status: Charged off43
- Status: Committed, not yet disbursed41
Of the 143 loans that have reached a final outcome, 30.1 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.
Orange County
SBA lending by place in Orange County
- Borrower cities with recorded lending46
- Monroe, approvals415
- Middletown, approvals75
- Newburgh, approvals68
- New Windsor, approvals49
- Chester, approvals34
- Highland Mills, approvals34
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Monroe | 415 | $90,545,900 |
| Middletown | 75 | $35,918,700 |
| Newburgh | 68 | $30,162,500 |
| New Windsor | 49 | $30,187,600 |
| Chester | 34 | $17,542,300 |
| Highland Mills | 34 | $12,168,000 |
| Warwick | 20 | $9,392,000 |
| Port Jervis | 17 | $11,310,800 |
| 38 other borrower cities | 170 | $96,002,800 |
Monroe accounts for 415 approvals against 75 in Middletown. 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.
Orange County
How large is Orange County?
- Land area812 sq mi
- Rank by land area among New York counties24th of 62
- Width, east to west41.6 mi
- Height, north to south33.8 mi
- Geographies sharing a boundary8
- Residents per square mile of land501
- Establishments per square mile12.89
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.
Orange County
Flood risk in Orange County
- Communities in the county in the NFIP Community Status Book40
- Of those, participating in the NFIP40
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Orange County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The EPA places Orange 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. 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 Orange 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 Orange County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024406,616
- Households138,608
- Average household size2.93
- Median household income$97,178
- Median age37.0
Common questions
Orange County questions, answered from the record.
How many people live in Orange County, New York?
The Census Bureau estimates 411,767 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 406,616, in 138,608 households, ranking 12th of 62 New York counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Orange County's population growing?
The population has grown 2.60 percent since the 2020 census base of 401,318, to 411,767 on July 1, 2024. In 2024 there were 5,505 births against 2,986 deaths, with net migration of 804. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Orange County?
$97,178. The median owner-occupied home is valued at $387,900, which is 4.0 times income, and median gross rent is $1,680 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Orange County?
10,467 establishments, employing 129,093 people with an annual payroll of $6.68 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 Orange County?
Health care and social assistance is the largest private sector at 24,237 jobs, 15.6 percent of covered employment. Covered employment averages 155,524 jobs at an average annual pay of $62,619, or $1,204 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Orange County?
882 7(a) approvals totaling $333.2 m since FY2020, across 81 lenders, with a median approval of $150,000, plus 137 504 approvals worth $153.7 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Orange County get paid back?
Of the 143 loans that have reached a final outcome, 100 were paid in full and 43 charged off, a charge-off rate of 30.1 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Orange County?
2,172 housing units were authorized by permit in 2024, with a declared construction value of $423.9 m. Multifamily was 79.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Orange 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 Orange County come from?
The largest single origin is Bronx County, with 1,099 households. Arriving households report an average income of $78,537 against $77,137 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Orange 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 Orange 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.
Orange County
Cities and places in Orange.
40 Census places lie wholly or partly in Orange County. All 40 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 |
|---|---|---|---|---|
| Kiryas Joel | village | 38,916 | 7 | Wholly in this county |
| Middletown | city | 30,289 | 75 | Wholly in this county |
| Newburgh | city | 28,519 | 68 | Wholly in this county |
| Woodbury | village | 11,334 | None recorded | Wholly in this county |
| Scotchtown | CDP | 10,252 | 1 | Wholly in this county |
| Orange Lake | CDP | 9,784 | None recorded | Wholly in this county |
| Monroe | village | 9,515 | 415 | Wholly in this county |
| New Windsor | CDP | 8,919 | 49 | Wholly in this county |
| Mechanicstown | CDP | 8,808 | None recorded | Wholly in this county |
| Port Jervis | city | 8,652 | 17 | Wholly in this county |
| Walden | village | 6,868 | 2 | Wholly in this county |
| Warwick | village | 6,585 | 20 | Wholly in this county |
| West Point | CDP | 6,349 | None recorded | Wholly in this county |
| Goshen | village | 5,773 | 14 | Wholly in this county |
| Washingtonville | village | 5,707 | 13 | Wholly in this county |
| Firthcliffe | CDP | 5,432 | None recorded | Wholly in this county |
| Gardnertown | CDP | 4,760 | None recorded | Wholly in this county |
| Chester | village | 4,033 | 34 | Wholly in this county |
| Walton Park | CDP | 3,915 | None recorded | Wholly in this county |
| South Blooming Grove | village | 3,866 | None recorded | Wholly in this county |
| Montgomery | village | 3,798 | 17 | Wholly in this county |
| Highland Falls | village | 3,683 | 1 | Wholly in this county |
| Beaver Dam Lake | CDP | 3,627 | None recorded | Wholly in this county |
| Balmville | CDP | 3,399 | None recorded | Wholly in this county |
| Maybrook | village | 3,142 | 2 | Wholly in this county |
| Vails Gate | CDP | 3,052 | 1 | Wholly in this county |
| Cornwall-on-Hudson | village | 3,037 | 4 | Wholly in this county |
| Tuxedo | village | 3,023 | None recorded | Wholly in this county |
| Greenwood Lake | village | 3,020 | 3 | Wholly in this county |
| Florida | village | 2,893 | 13 | Wholly in this county |
| Harriman | village | 2,586 | 6 | Wholly in this county |
| Fort Montgomery | CDP | 2,422 | 1 | Wholly in this county |
| Washington Heights | CDP | 2,383 | None recorded | Wholly in this county |
| Pine Bush | CDP | 1,868 | 4 | Wholly in this county |
| Mountain Lodge Park | CDP | 1,669 | None recorded | Wholly in this county |
| Otisville | village | 1,135 | 4 | Wholly in this county |
| Sparrow Bush | CDP | 1,119 | 4 | Wholly in this county |
| Tuxedo Park | village | 740 | 8 | Wholly in this county |
| Unionville | village | 695 | 1 | Wholly in this county |
| Salisbury Mills | CDP | 293 | None recorded | Wholly in this county |
A further 98 of the county's 882 SBA 7(a) approvals are to borrowers in cities that match no Census place in Orange County, the largest being Highland Mills (34), Central Valley (12), Cornwall (11). 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.