Putnam County, New York: commercial real estate data.
Putnam County, New York has a population of 98,107 across 230 square miles, up 0.8 percent since the 2020 census base. County output reached $5.49 bn in 2024, 2,868 establishments operate here, and the SBA record carries 121 7(a) approvals worth $31.7 m.
128 sourced county values · tier FULL · 12 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Putnam County
How many people live in Putnam County
- Population98,107
- Households35,545
- Average household size2.76
- Median household income$126,257
- Median age44.0
- Median gross rent$1,775 per month
- Median owner-occupied home value$471,300
- Home value to household income3.7 times
- Annual rent as a share of median income16.9 percent
- Adults 25 and over with a bachelor degree or higher45.5 percent
- Adults 25 and over with a graduate degree20.4 percent
- Adults 25 and over71,435
- Population under 1819,033
- Share under 1819.4 percent
- Population 65 and over18,910
- Share 65 and over19.3 percent
- Working age population, 18 to 6460,164
- Civilian labor force52,199
- Unemployment rate4.4 percent
- Labor force participation, adults 18 and over66.0 percent
- Rank by population among New York counties29th of 62
- Rank by population among US county-equivalents633rd
Putnam County is the 29th largest of 62 New York counties by population. A median home costs 3.7 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 19.4 percent against 19.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Putnam County
Is Putnam County's population growing?
- Population change since the 2020 census base0.75 percent
- Census 2020 base population97,674
- Births, 2024933
- Deaths, 2024829
- Natural change, 2024104
- Net domestic migration, 202423
- Net international migration, 2024298
- Total net migration, 2024321
- Cumulative net domestic migration, 2021 to 2024-369
- Rank by growth among US county-equivalents1572nd
The county has grown 0.75 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Putnam County
Where are people moving to Putnam County from?
- Tax returns filed by households arriving3,064
- People arriving, from those returns5,324
- Adjusted gross income arriving$334.6 m
- Net adjusted gross income movement$0
- Average income of an arriving household$109,205
- Largest single originPutnam County Non-migrants (40,792 households)
- Largest single destination (40,792 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Putnam County Non-migrants | 40,792 | 80,644 | $5.03 bn |
| Westchester County | 1,235 | 2,315 | $120.8 m |
| Other flows - Different State | 479 | 723 | $46.9 m |
| Bronx County | 324 | 603 | $26.4 m |
| Dutchess County | 260 | 411 | $20.5 m |
| Other flows - South | 181 | 291 | $12.1 m |
| Other flows - Northeast | 180 | 263 | $17.4 m |
| Western Connecticut Planning Regi | 137 | 229 | $13.3 m |
The largest single source of arrivals is Putnam County Non-migrants, 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.
Putnam County
What is the Putnam County economy?
- County GDP, 2024$5.49 bn
- County GDP, 2023$5.17 bn
- GDP change, 2023 to 20246.3 percent
- GDP change over five years36.5 percent
- Rank by GDP among New York counties31st
- Rank by GDP among US county-equivalents676th
- GDP per resident$56,003
Output grew 6.3 percent in the latest year and 36.5 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.
Putnam County
Largest employers in Putnam County
- Covered employment, annual average27,122
- Establishments reporting3,328
- Average annual pay$67,541
- Average weekly wage$1,299
- Sector 62, employment4,393
- Sector 62, average annual pay$69,262
- Sector 44-45, employment2,881
- Sector 44-45, average annual pay$42,109
- Sector 23, employment2,782
- Sector 23, average annual pay$79,112
- Sector 72, employment1,989
- Sector 72, average annual pay$30,100
- Sector 54, employment1,476
- Sector 42, employment1,436
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 4,393 | 262 | $69,262 |
| Sector 44-45 | 2,881 | 271 | $42,109 |
| Sector 23 | 2,782 | 597 | $79,112 |
| Sector 72 | 1,989 | 231 | $30,100 |
| Sector 54 | 1,476 | 332 | $84,808 |
| Sector 42 | 1,436 | 125 | $83,845 |
| Sector 81 | 1,288 | 322 | $47,127 |
| Sector 31-33 | 1,033 | 77 | $82,316 |
The largest sector is the biggest private employer group at 4,393 jobs, 16.2 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Putnam County
How many businesses are in Putnam County?
- Establishments, all industries2,868
- Employment at those establishments22,380
- Annual payroll$1.28 bn
- Establishments per 1,000 residents29.2
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Putnam County
Building permits in Putnam County
- Housing units authorised by permit, 2024140
- Declared construction value permitted$30.0 m
- Single family units authorised65
- Multifamily units authorised75
- Multifamily share of units53.6 percent
- Average declared value per unit$213,945
- Units authorised per 1,000 households3.9
Multifamily is 53.6 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Putnam County
SBA loans in Putnam County (7(a) and 504)
- 7(a) approvals recorded121
- 7(a) gross approval dollars$31.7 m
- Average 7(a) approval$261,889
- Median 7(a) approval$100,000
- 10th percentile approval$23,300
- 90th percentile approval$750,000
- Largest single approval$2,576,000
- Jobs reported supported, 7(a)627
- Jobs per approval5.2
- Distinct 7(a) lenders active33
- Distinct industries receiving approvals71
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer5.8 percent
- Loans on real estate terms7
- Loans on working capital terms, 120 months or shorter111
- Franchise loans6
- Franchise share of approvals5.0 percent
- Leading industry by approval countResidential Remodelers (9)
- Most active lenderManufacturers and Traders Trust Company (31)
- 504 approvals recorded32
- 504 gross approval dollars$23.0 m
- Average 504 approval$718,813
- Median 504 approval$373,000
- Distinct CDCs active3
- 504 jobs per approval10.7
- 504 jobs per million dollars approved14.8
- Most active CDCEmpire State Certified Development Corporation (30)
- 7(a) share of SBA approvals79.1 percent
- Combined SBA approval dollars$54.7 m
The average approval of $261,889 sits well above the median of $100,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 5.8 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.
Putnam County
SBA loan default and charge-off rates in Putnam County
Do SBA loans in Putnam County get paid back?
- Loans with a final outcome recorded22
- Paid in full19
- Charged off3
- Charge off rate on resolved loans13.6 percent
- Status: Cancelled16
- Status: Paid in full19
- Status: Exempt from disclosure75
- Status: Charged off3
- Status: Committed, not yet disbursed8
Of the 22 loans that have reached a final outcome, 13.6 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.
Putnam County
SBA lending by place in Putnam County
- Places in the county with recorded lending12
- BREWSTER, approvals42
- MAHOPAC, approvals26
- CARMEL, approvals18
- PATTERSON, approvals10
- COLD SPRING, approvals9
- PUTNAM VALLEY, approvals6
| Place | Approvals | Gross approval dollars |
|---|---|---|
| BREWSTER | 42 | $13,730,200 |
| MAHOPAC | 26 | $6,992,000 |
| CARMEL | 18 | $3,696,800 |
| PATTERSON | 10 | $642,500 |
| COLD SPRING | 9 | $2,820,000 |
| PUTNAM VALLEY | 6 | $533,000 |
| Garrison | 5 | $352,000 |
| NYACK | 1 | $2,576,000 |
BREWSTER accounts for 42 approvals against 26 in MAHOPAC. 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.
Putnam County
How large is Putnam County?
- Land area230 sq mi
- Rank by land area among New York counties55th of 62
- Width, east to west23.5 mi
- Height, north to south14.2 mi
- Geographies sharing a boundary4
- Residents per square mile of land427
- Establishments per square mile12.47
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.
Putnam County
Flood risk in Putnam County
- Communities in the NFIP Community Status Book9
- Of those, participating in the NFIP9
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Putnam County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The EPA places Putnam 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 FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
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.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Putnam 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 Putnam County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population98,107
- Households35,545
- Average household size2.76
- Median household income$126,257
- Median age44.0
Common questions
Putnam County questions, answered from the record.
How many people live in Putnam County, New York?
98,107, in 35,545 households, ranking 29th of 62 New York counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Putnam County's population growing?
The population has grown 0.75 percent since the 2020 census base. In 2024 there were 933 births against 829 deaths, with net migration of 321. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Putnam County?
$126,257. The median owner-occupied home is valued at $471,300, which is 3.7 times income, and median gross rent is $1,775 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Putnam County?
2,868 establishments, employing 22,380 people with an annual payroll of $1.28 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Putnam County?
Average annual pay is $67,541, or $1,299 a week, across 27,122 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Putnam County?
121 7(a) approvals totalling $31.7 m since FY2020, across 33 lenders, with a median approval of $100,000, plus 32 504 approvals worth $23.0 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Putnam County get paid back?
Of the 22 loans that have reached a final outcome, 19 were paid in full and 3 charged off, a charge off rate of 13.6 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Putnam County?
140 housing units were authorised by permit in 2024, with a declared construction value of $30.0 m. Multifamily was 53.6 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Putnam 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 Putnam County come from?
The largest single origin is Putnam County Non-migrants, with 40,792 households. Arriving households report an average income of $109,205 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Putnam 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 Putnam County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.
Putnam County
Cities and places in Putnam.
10 Census places lie wholly or partly in Putnam County. 10 carry enough published place level data for a page of their own and are linked. The rest are named here and not linked, because the American Community Survey and the SBA record between them do not carry enough about them to write an honest page. A place existing is itself worth knowing, so nothing in the county is left out.
| Place | Type | Population | SBA approvals | Lies in |
|---|---|---|---|---|
| Mahopac | CDP | 9,039 | 27 | Wholly in this county |
| Lake Carmel | CDP | 7,854 | None recorded | Wholly in this county |
| Carmel | CDP | 7,306 | 18 | Wholly in this county |
| Putnam Lake | CDP | 3,664 | None recorded | Wholly in this county |
| Brewster | village | 2,512 | 42 | Wholly in this county |
| Brewster Hill | CDP | 2,149 | None recorded | Wholly in this county |
| Cold Spring | village | 1,863 | 10 | Wholly in this county |
| Brewster Heights | CDP | 1,196 | None recorded | Wholly in this county |
| Peach Lake | CDP | 1,038 | None recorded | 80.8 percent here, 19.2 percent Westchester County |
| Nelsonville | village | 714 | None recorded | Wholly in this county |
A further 33 SBA approvals in Putnam County are recorded against borrower cities that match no Census place, the largest being Patterson, Putnam Valley, Garrison. Those are postal cities and unincorporated areas rather than incorporated places, so no page claims them, and their lending is counted in this county's totals above rather than under any city.