HomeNew YorkOswego CountyCentral Square village
Central Square village, New York: commercial real estate data.
Central Square village 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.
80 sourced place values · tier FULL · 9 sections · 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
- Ninetieth percentile approval$528,300
- 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
A charge-off rate is not published here. only 1 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
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$116,000
- Largest approval$116,000
- Jobs supported10
- Loans with a final outcome0
- Charged off0
- Median term240 months
- Distinct CDCs2
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
- Listed NFIP communities1
- Of those, participating1
- NFIP community number360647
- Currently effective map date06/18/13(M)
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Oswego County, not Central Square
Oswego County context, not Central Square figures
These are Oswego County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Central Square measurements.
- Establishments in Oswego County2,093
- Employment at those establishments, Oswego County22,804
- Covered employment, Oswego County32,163
- Average annual pay, Oswego County$62,152
- Average weekly wage, Oswego County$1,195
- Housing units permitted, Oswego County183
- Of those, single family, Oswego County152
- County product, 2024, Oswego County$9,256,246,000
- County product change over the prior year, Oswego County3.3 percent
- Average income of an arriving household, Oswego County$51,657
Every figure in this section is published for Oswego County as a whole and is not a measurement of Central Square. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
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.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $5.5 m, across 7 lenders, median approval $150,000, plus 2 504 approvals worth $178,000. 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 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. 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 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 labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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