HomeNew YorkOswego CountySandy Creek village
Sandy Creek village, New York: commercial real estate data.
Sandy Creek village 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.
80 sourced place values · tier FULL · 9 sections
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 7(a) lending to Sandy Creek borrowers
- Approvals3
- Gross approval$220,000
- Average approval$73,333
- Median approval$50,000
- Ninetieth percentile approval$150,000
- 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
A charge-off rate is not published here. only 0 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.
Sandy Creek
SBA 504 lending to Sandy Creek borrowers
- Approvals2
- Gross approval$568,000
- Average approval$284,000
- Median approval$407,000
- Largest approval$407,000
- Jobs supported27
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Sandy Creek
Flood programme status in Sandy Creek
- Listed NFIP communities2
- Of those, participating2
- NFIP community number360661
- Currently effective map date11/16/23
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 Sandy Creek
Oswego County context, not Sandy Creek 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 Sandy Creek 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 Sandy Creek. 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
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 totalling $220,000, across 2 lenders, median approval $50,000, plus 2 504 approvals worth $568,000. 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 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 Sandy Creek in the National Flood Insurance Program?
Yes. Sandy Creek appears in the FEMA Community Status Book as 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 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 Sandy Creek.
Is zoning published for Sandy Creek?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.