HomeNew YorkSchenectady County
Schenectady County, New York: commercial real estate data.
Schenectady County, New York had an estimated 162,261 residents on July 1, 2024, up 2.7 percent since the 2020 census base of 158,045, across 205 square miles. County output reached $12.31 bn in 2024, 2,911 establishments operate here, and the SBA record carries 101 7(a) approvals worth $37.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Schenectady County
How many people live in Schenectady County
- Population, American Community Survey 2020-2024160,369
- Households66,902
- Average household size2.40
- Median household income$79,623
- Median age39.6
- Median gross rent$1,194 per month
- Median owner-occupied home value$235,700
- Home value to household income3.0 times
- Annual rent as a share of median income18.0 percent
- Adults 25 and over with a bachelor degree or higher36.1 percent
- Adults 25 and over with a graduate degree16.8 percent
- Adults 25 and over110,701
- Population under 1834,413
- Share under 1821.5 percent
- Population 65 and over28,630
- Share 65 and over17.9 percent
- Working age population, 18 to 6497,326
- Civilian labor force81,661
- Unemployment rate5.8 percent
- Labor force participation, adults 18 and over64.8 percent
- Rank by population among New York counties21st of 62
- Rank by population among US county-equivalents, Puerto Rico included432nd of 3,222
Schenectady County is the 21st largest of 62 New York counties by population. A median home costs 3.0 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 21.5 percent against 17.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Schenectady County
Is Schenectady County's population growing?
- Population, July 1, 2024162,261
- Census 2020 base population158,045
- Population change since the 2020 census base2.67 percent
- Population change, 2023 to 20241,883
- Births, 20241,752
- Deaths, 20241,662
- Natural change, 202490
- Net domestic migration, 2024970
- Net international migration, 2024824
- Total net migration, 20241,794
- Cumulative net domestic migration, 2021 to 2024768
- Rank by growth among US county-equivalents958th of 3,144
The county has grown 2.67 percent since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Schenectady County
Where are people moving to Schenectady County from?
- Tax returns filed by households arriving4,412
- People arriving, from those returns7,170
- Tax returns filed by households leaving4,467
- Net household movement-55
- Adjusted gross income arriving$263.3 m
- Net adjusted gross income movement$-79.5 m
- Average income of an arriving household$59,683
- Average income of a leaving household$76,746
- Largest single originAlbany County (1,196 households)
- Largest single destinationAlbany County (1,063 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Albany County | 1,196 | 1,946 | $73.9 m |
| Saratoga County | 622 | 932 | $40.0 m |
| Rensselaer County | 328 | 516 | $18.1 m |
| Queens County | 254 | 467 | $10.5 m |
| Montgomery County | 125 | 210 | $5.4 m |
| Kings County | 106 | 217 | $4.5 m |
| Fulton County | 77 | 125 | $4.1 m |
| Bronx County | 76 | 143 | $2.9 m |
Households arriving report $17,063 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Albany County, 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.
Schenectady County
What is the Schenectady County economy?
- County GDP, 2024$12.31 bn
- County GDP, 2023$11.70 bn
- GDP change, 2023 to 20245.2 percent
- GDP change over five years38.4 percent
- Rank by GDP among the New York areas BEA publishes20th of 62
- Rank by GDP among the US county areas BEA publishes378th of 3,127
- GDP per resident$76,763
Output grew 5.2 percent in the latest year and 38.4 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.
Schenectady County
Employment by industry in Schenectady County
- Covered employment, annual average58,509
- Establishments reporting3,562
- Average annual pay$73,794
- Average weekly wage$1,419
- Health care and social assistance, employment8,863
- Health care and social assistance, average annual pay$57,241
- Retail trade, employment6,987
- Retail trade, average annual pay$47,502
- Professional, scientific and technical services, employment6,138
- Professional, scientific and technical services, average annual pay$145,625
- Manufacturing, employment4,837
- Manufacturing, average annual pay$98,750
- Accommodation and food services, employment4,678
- Transportation and warehousing, employment2,646
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 8,863 | 328 | $57,241 |
| Retail trade | 6,987 | 434 | $47,502 |
| Professional, scientific and technical services | 6,138 | 356 | $145,625 |
| Manufacturing | 4,837 | 113 | $98,750 |
| Accommodation and food services | 4,678 | 348 | $34,898 |
| Transportation and warehousing | 2,646 | 88 | $53,600 |
| Construction | 2,400 | 354 | $73,525 |
| Finance and insurance | 2,210 | 153 | $108,022 |
Health care and social assistance is the largest private sector at 8,863 jobs, 15.1 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Schenectady County
How many businesses are in Schenectady County?
- Establishments, all industries2,911
- Employment at those establishments51,797
- Annual payroll$3.40 bn
- Establishments per 1,000 residents18.2
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Schenectady County
Building permits in Schenectady County
- Housing units authorized by permit, 2024154
- Declared construction value permitted$36.8 m
- Single family units authorized78
- Multifamily units authorized76
- Multifamily share of units49.4 percent
- Average declared value per unit$239,168
- Units authorized per 1,000 households2.3
Multifamily is 49.4 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Schenectady County
SBA loans in Schenectady County (7(a) and 504)
- 7(a) approvals recorded101
- 7(a) gross approval dollars$37.0 m
- Average 7(a) approval$366,650
- Median 7(a) approval$125,000
- 10th percentile approval$25,000
- 90th percentile approval$660,000
- Largest single approval$4,125,000
- Jobs reported supported, 7(a)721
- Jobs per approval7.1
- Distinct 7(a) lenders active28
- Distinct industries receiving approvals58
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer16.8 percent
- Loans on real estate terms17
- Loans on working capital terms, 120 months or shorter82
- Franchise loans6
- Franchise share of approvals5.9 percent
- Most active lenderKeyBank National Association (18)
- 504 approvals recorded49
- 504 gross approval dollars$40.8 m
- Average 504 approval$831,816
- Median 504 approval$451,000
- Distinct CDCs active2
- 504 jobs per approval11.8
- 504 jobs per million dollars approved14.2
- Most active CDCEmpire State Certified Development Corporation (48)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$77.8 m
The average approval of $366,650 sits well above the median of $125,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 16.8 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.
Schenectady County
SBA loan default and charge-off rates in Schenectady County
Do SBA loans in Schenectady County get paid back?
- Loans with a final outcome recorded16
- Paid in full15
- Charged off1
- Status: Paid in full15
- Status: Cancelled22
- Status: Exempt from disclosure59
- Status: Charged off1
- Status: Committed, not yet disbursed4
Only 16 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
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.
Schenectady County
SBA lending by place in Schenectady County
- Borrower cities with recorded lending8
- Schenectady, approvals80
- Glenville, approvals7
- Scotia, approvals4
- Duanesburg, approvals3
- Rotterdam, approvals2
- Delanson, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Schenectady | 80 | $32,069,500 |
| Glenville | 7 | $844,000 |
| Scotia | 4 | $656,000 |
| Duanesburg | 3 | $592,000 |
| Rotterdam | 2 | $1,699,100 |
| Delanson | 2 | $690,000 |
| Niskayuna | 2 | $431,000 |
| 1473 Schenectady | 1 | $50,000 |
Schenectady accounts for 80 approvals against 7 in Glenville. 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.
Schenectady County
How large is Schenectady County?
- Land area205 sq mi
- Rank by land area among New York counties56th of 62
- Width, east to west23.5 mi
- Height, north to south16.7 mi
- Geographies sharing a boundary4
- Residents per square mile of land782
- Establishments per square mile14.20
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.
Schenectady County
Flood risk in Schenectady County
- Communities in the county in the NFIP Community Status Book8
- Of those, participating in the NFIP8
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Schenectady County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The EPA places Schenectady County in radon zone 2, a predicted average indoor radon screening level from 2 to 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 Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, 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 →
Feasibility studies
When a Schenectady 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 Schenectady County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024160,369
- Households66,902
- Average household size2.40
- Median household income$79,623
- Median age39.6
Common questions
Schenectady County questions, answered from the record.
How many people live in Schenectady County, New York?
The Census Bureau estimates 162,261 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 160,369, in 66,902 households, ranking 21st of 62 New York counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Schenectady County's population growing?
The population has grown 2.67 percent since the 2020 census base of 158,045, to 162,261 on July 1, 2024. In 2024 there were 1,752 births against 1,662 deaths, with net migration of 1,794. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Schenectady County?
$79,623. The median owner-occupied home is valued at $235,700, which is 3.0 times income, and median gross rent is $1,194 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Schenectady County?
2,911 establishments, employing 51,797 people with an annual payroll of $3.40 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Schenectady County?
Health care and social assistance is the largest private sector at 8,863 jobs, 15.1 percent of covered employment. Covered employment averages 58,509 jobs at an average annual pay of $73,794, or $1,419 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Schenectady County?
101 7(a) approvals totaling $37.0 m since FY2020, across 28 lenders, with a median approval of $125,000, plus 49 504 approvals worth $40.8 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Schenectady County?
154 housing units were authorized by permit in 2024, with a declared construction value of $36.8 m. Multifamily was 49.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Schenectady County?
Zone 2, a predicted average indoor radon screening level from 2 to 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 Schenectady County come from?
The largest single origin is Albany County, with 1,196 households. Arriving households report an average income of $59,683 against $76,746 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Schenectady 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 Schenectady County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Schenectady County
Cities and places in Schenectady.
9 Census places lie wholly or partly in Schenectady County. All 9 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Schenectady | city | 68,847 | 80 | Wholly in this county |
| Rotterdam | CDP | 22,695 | 2 | Wholly in this county |
| Niskayuna | CDP | 21,227 | 2 | Wholly in this county |
| East Glenville | CDP | 11,914 | None recorded | Wholly in this county |
| Scotia | village | 7,264 | 4 | Wholly in this county |
| Mariaville Lake | CDP | 1,085 | None recorded | Wholly in this county |
| Delanson | village | 263 | 2 | Wholly in this county |
| Duane Lake | CDP | 236 | None recorded | Wholly in this county |
| Duanesburg | CDP | 63 | 3 | Wholly in this county |
A further 8 of the county's 101 SBA 7(a) approvals are to borrowers in cities that match no Census place in Schenectady County, the largest being Glenville (7), 1473 Schenectady (1). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby