HomeNew YorkOswego CountySandy Creek
Sandy Creek, New York: commercial real estate data.
Sandy Creek is a Census village of 638 people across 1.35 square miles of land, in Oswego County. Median household income is $64,028, 78.9 percent of occupied homes are owned, and the SBA record carries 3 7(a) approvals to borrowers here worth $220,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Sandy Creek
What Sandy Creek is
- Census place typevillage
- Land area1.35 sq mi
- Water area0 sq mi
- Population per square mile of land473
- 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.
Sandy Creek
How many people live in Sandy Creek
- Population638
- Median age47.7
- Population under 18101 plus or minus 31
- Share under 1815.8 percent plus or minus 3.9
- Population 65 and over153 plus or minus 44
- Share 65 and over24.0 percent plus or minus 5.3
- Households327
- Family households160 plus or minus 37
- Share of households that are families48.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Sandy Creek
Income and work in Sandy Creek
- Median household income$64,028 plus or minus $18,316
- Per capita income$36,002
- Civilian labor force307 plus or minus 71
- Employed297 plus or minus 72
- Unemployed10 plus or minus 11
- Unemployment rate3.3 percent plus or minus 3.5
- Adults 25 and over489
- Adults 25 and over with a high school diploma or higher95.3 percent
- Adults 25 and over with a bachelor degree or higher23.9 percent plus or minus 8.2
- Adults 25 and over with a graduate degree8.8 percent plus or minus 5.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Sandy Creek
Housing in Sandy Creek
- Housing units343
- Occupied units327
- Vacant units16 plus or minus 18
- Vacancy rate4.7 percent plus or minus 5.2
- Owner occupied258 plus or minus 55
- Renter occupied69 plus or minus 28
- Ownership rate78.9 percent
- Median owner-occupied home value$106,000 plus or minus $33,838
- Median gross rent, monthly$668
- Annual rent as a share of median income12.5 percent plus or minus 4.0
- Single family units238
- Share single family69.4 percent
- Units in buildings of two or more67 plus or minus 50
- Share in buildings of two or more19.5 percent plus or minus 14.2
- Mobile homes38 plus or minus 16
- Median year structure built1938
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Sandy Creek
How Sandy Creek gets to work
- Workers 16 and over who commute271 plus or minus 67
- Commuting under 15 minutes110 plus or minus 35
- Share commuting under 15 minutes40.6 percent plus or minus 8.2
- Commuting 30 minutes or more97 plus or minus 53
- Share commuting 30 minutes or more35.8 percent plus or minus 17.5
- Drove alone80.0 percent
- Carpooled7.6 percent plus or minus 4.1
- Public transport0.0 percent
- Walked5.5 percent plus or minus 4.6
- Worked from home6.6 percent plus or minus 3.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Sandy Creek
SBA loans in Sandy Creek (7(a))
- Approvals3
- Gross approval$220,000
- Average approval$73,333
- Median approval$50,000
- Largest approval$150,000
- Jobs supported17
- Jobs per approval5.7
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders2
- Distinct industries by NAICS3
Counted by borrower city: approvals to borrowers whose address is in Sandy Creek, in any county, FY2020 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, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Sandy Creek
SBA loans in Sandy Creek (504)
- Approvals2
- Gross approval$568,000
- Average approval$284,000
- Median approval$284,000
- Largest approval$407,000
- Jobs supported27
- Loans with a final outcome0
- Charged off0
- Median term270 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Sandy Creek, 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.
Sandy Creek
Flood risk in Sandy Creek
- NFIP communityTown of Sandy Creek
- NFIP community number360661
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date11/16/23
The Town of Sandy Creek participates in the National Flood Insurance Program as community 360661 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 Sandy Creek
Oswego County context, not Sandy Creek 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 Sandy Creek.
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
Sandy Creek questions, answered from the record.
How many people live in Sandy Creek, New York?
638, in 327 households. Sandy Creek village covers 1.35 square miles of land, which is 473 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Sandy Creek 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 Sandy Creek?
$64,028. The median owner-occupied home is valued at $106,000. Median gross rent is $668 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Sandy Creek businesses?
3 7(a) approvals totaling $220,000 since FY2020, across 2 lenders, median approval $50,000, plus 2 504 approvals worth $568,000 since FY2010. These count approvals to borrowers whose address is in Sandy Creek, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Sandy Creek borrowers get paid back?
No rate is published for Sandy Creek. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Sandy Creek in the National Flood Insurance Program?
Yes. Sandy Creek appears in the FEMA Community Status Book as Sandy Creek, town of, community 360661, 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 Sandy Creek 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 Sandy Creek.
Is zoning published for Sandy Creek?
No. Nothing on this page presents parcel level zoning.