HomeNew YorkOswego CountyCentral Square
Central Square, New York: commercial real estate data.
Central Square is a Census village of 2,163 people across 1.91 square miles of land, in Oswego County. Median household income is $69,500, 54.8 percent of occupied homes are owned, and the SBA record carries 11 7(a) approvals to borrowers here worth $5.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Central Square
What Central Square is
- Census place typevillage
- Land area1.91 sq mi
- Water area0 sq mi
- Population per square mile of land1,135
- County holding the largest share of its areaOswego 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.
Central Square
How many people live in Central Square
- Population2,163
- Median age43.3
- Population under 18427 plus or minus 116
- Share under 1819.7 percent plus or minus 4.7
- Population 65 and over364 plus or minus 100
- Share 65 and over16.8 percent plus or minus 4.0
- Households1,024
- Family households558
- Share of households that are families54.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Central Square
Income and work in Central Square
- Median household income$69,500 plus or minus $22,606
- Per capita income$48,684
- Civilian labor force1,220
- Employed1,162
- Unemployed58 plus or minus 41
- Unemployment rate4.8 percent plus or minus 3.2
- Adults 25 and over1,585
- Adults 25 and over with a high school diploma or higher94.6 percent
- Adults 25 and over with a bachelor degree or higher26.3 percent plus or minus 6.1
- Adults 25 and over with a graduate degree5.2 percent plus or minus 2.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Central Square
Housing in Central Square
- Housing units1,082
- Occupied units1,024
- Vacant units58 plus or minus 46
- Vacancy rate5.4 percent plus or minus 4.2
- Owner occupied561 plus or minus 123
- Renter occupied463 plus or minus 93
- Ownership rate54.8 percent
- Median owner-occupied home value$196,000
- Median gross rent, monthly$908
- Annual rent as a share of median income15.7 percent plus or minus 5.3
- Single family units614
- Share single family56.7 percent
- Units in buildings of two or more393 plus or minus 101
- Share in buildings of two or more36.3 percent plus or minus 8.2
- Mobile homes75 plus or minus 32
- Median year structure built1979
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Central Square
How Central Square gets to work
- Workers 16 and over who commute994
- Commuting under 15 minutes142 plus or minus 77
- Share commuting under 15 minutes14.3 percent plus or minus 7.3
- Commuting 30 minutes or more318 plus or minus 89
- Share commuting 30 minutes or more32.0 percent plus or minus 6.5
- Drove alone83.5 percent plus or minus 22.8
- Carpooled3.1 percent plus or minus 2.6
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home13.3 percent plus or minus 6.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Central Square
SBA loans in Central Square (7(a))
- Approvals11
- Gross approval$5,490,900
- Average approval$499,173
- Median approval$150,000
- Largest approval$3,240,000
- Jobs supported47
- Jobs per approval4.3
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more18.2 percent
- Share to franchises0.0 percent
- Distinct lenders7
- Distinct industries by NAICS9
Counted by borrower city: approvals to borrowers whose address is in Central Square, 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.
Central Square
SBA loans in Central Square (504)
- Approvals2
- Gross approval$178,000
- Average approval$89,000
- Median approval$89,000
- Largest approval$116,000
- Jobs supported10
- Loans with a final outcome0
- Charged off0
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Central Square, 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.
Central Square
Flood risk in Central Square
- NFIP communityVillage of Central Square
- NFIP community number360647
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date06/18/13(M)
The Village of Central Square participates in the National Flood Insurance Program as community 360647 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.
Oswego County, not Central Square
Oswego County context, not Central Square figures
- Establishments in Oswego County2,093
- Covered employment, Oswego County32,163
- Average annual pay, Oswego County$62,152
- Housing units permitted, Oswego County183
Every figure in this section is published for Oswego County as a whole and is not a measurement of Central Square.
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
Central Square questions, answered from the record.
How many people live in Central Square, New York?
2,163, in 1,024 households. Central Square village covers 1.91 square miles of land, which is 1,135 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Central Square in?
Oswego 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 Central Square?
$69,500. The median owner-occupied home is valued at $196,000. Median gross rent is $908 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Central Square businesses?
11 7(a) approvals totaling $5.5 m since FY2020, across 7 lenders, median approval $150,000, plus 2 504 approvals worth $178,000 since FY2010. These count approvals to borrowers whose address is in Central Square, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Central Square borrowers get paid back?
No rate is published for Central Square. 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 Central Square in the National Flood Insurance Program?
Yes. Central Square appears in the FEMA Community Status Book as Central Square, village of, community 360647, 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 Central Square figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Oswego 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 Central Square.
Is zoning published for Central Square?
No. Nothing on this page presents parcel level zoning.
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