HomeNew YorkSaratoga CountyStillwater
Stillwater, New York: commercial real estate data.
Stillwater is a Census village of 1,874 people across 1.26 square miles of land, in Saratoga County. Median household income is $90,060, 63.7 percent of occupied homes are owned, and the SBA record carries 1 7(a) approvals to borrowers here worth $120,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Stillwater
What Stillwater is
- Census place typevillage
- Land area1.26 sq mi
- Water area0.2 sq mi
- Population per square mile of land1,490
- County holding the largest share of its areaSaratoga 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.
Stillwater
How many people live in Stillwater
- Population1,874
- Median age37.7
- Population under 18342 plus or minus 88
- Share under 1818.2 percent plus or minus 3.8
- Population 65 and over219 plus or minus 52
- Share 65 and over11.7 percent
- Households813
- Family households558 plus or minus 116
- Share of households that are families68.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stillwater
Income and work in Stillwater
- Median household income$90,060
- Per capita income$45,941
- Civilian labor force1,167
- Employed1,120
- Unemployed47 plus or minus 28
- Unemployment rate4.0 percent plus or minus 2.3
- Adults 25 and over1,362
- Adults 25 and over with a high school diploma or higher89.7 percent plus or minus 20.2
- Adults 25 and over with a bachelor degree or higher26.1 percent
- Adults 25 and over with a graduate degree9.3 percent plus or minus 3.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stillwater
Housing in Stillwater
- Housing units878
- Occupied units813
- Vacant units65 plus or minus 45
- Vacancy rate7.4 percent plus or minus 5.0
- Owner occupied518
- Renter occupied295 plus or minus 111
- Ownership rate63.7 percent plus or minus 12.7
- Median owner-occupied home value$271,900
- Median gross rent, monthly$1,154
- Annual rent as a share of median income15.4 percent
- Single family units542
- Share single family61.7 percent
- Units in buildings of two or more317 plus or minus 120
- Share in buildings of two or more36.1 percent plus or minus 12.9
- Mobile homes19 plus or minus 15
- Median year structure built1976
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stillwater
How Stillwater gets to work
- Workers 16 and over who commute899
- Commuting under 15 minutes284 plus or minus 134
- Share commuting under 15 minutes31.6 percent plus or minus 13.6
- Commuting 30 minutes or more443 plus or minus 100
- Share commuting 30 minutes or more49.3 percent
- Drove alone74.2 percent
- Carpooled3.8 percent plus or minus 2.9
- Public transport0.0 percent
- Walked6.5 percent plus or minus 8.3
- Worked from home15.0 percent plus or minus 4.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stillwater
SBA loans in Stillwater (7(a))
- Approvals1
- Gross approval$120,000
- Average approval$120,000
- Median approval$120,000
- Largest approval$120,000
- Jobs supported5
- Jobs per approval5.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term240 months
- Share on real estate terms of 20 years or more100.0 percent
- Share to franchises0.0 percent
- Distinct lenders1
- Distinct industries by NAICS1
Counted by borrower city: approvals to borrowers whose address is in Stillwater, 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.
Stillwater
SBA loans in Stillwater (504)
- Approvals1
- Gross approval$680,000
- Average approval$680,000
- Median approval$680,000
- Largest approval$680,000
- Jobs supported0
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Stillwater, 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.
Stillwater
Flood risk in Stillwater
- NFIP communityTown of Stillwater
- NFIP community number360731
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date08/16/95
The Town of Stillwater participates in the National Flood Insurance Program as community 360731 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.
Saratoga County, not Stillwater
Saratoga County context, not Stillwater figures
- Establishments in Saratoga County5,488
- Covered employment, Saratoga County92,800
- Average annual pay, Saratoga County$67,685
- Housing units permitted, Saratoga County1,112
Every figure in this section is published for Saratoga County as a whole and is not a measurement of Stillwater.
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
Stillwater questions, answered from the record.
How many people live in Stillwater, New York?
1,874, in 813 households. Stillwater village covers 1.26 square miles of land, which is 1,490 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Stillwater in?
Saratoga 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 Stillwater?
$90,060. The median owner-occupied home is valued at $271,900. Median gross rent is $1,154 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Stillwater businesses?
1 7(a) approvals totaling $120,000 since FY2020, across 1 lenders, median approval $120,000, plus 1 504 approvals worth $680,000 since FY2010. These count approvals to borrowers whose address is in Stillwater, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Stillwater borrowers get paid back?
No rate is published for Stillwater. 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 Stillwater in the National Flood Insurance Program?
Yes. Stillwater appears in the FEMA Community Status Book as Stillwater, town of, community 360731, 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 Stillwater figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Saratoga 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 Stillwater.
Is zoning published for Stillwater?
No. Nothing on this page presents parcel level zoning.