HomeNew YorkSchenectady CountyScotia village
Scotia village, New York: commercial real estate data.
Scotia village is a Census village of 7,264 people across 1.69 square miles of land, in Schenectady County. Median household income is $76,525, 74.4 percent of occupied homes are owned, and the SBA record carries 4 7(a) approvals to borrowers here worth $656,000.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Scotia
What Scotia is
- Census place typevillage
- Land area1.69 sq mi
- Water area0.1 sq mi
- Population per square mile of land4,303
- County holding the largest share of its areaSchenectady 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.
Scotia
How many people live in Scotia
- Population7,264
- Median age39.1
- Population under 181,528
- Share under 1821.0 percent
- Population 65 and over1,411 plus or minus 317
- Share 65 and over19.4 percent plus or minus 4.4
- Households3,303
- Family households1,668
- Share of households that are families50.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Scotia
Income and work in Scotia
- Median household income$76,525
- Per capita income$45,895
- Civilian labor force4,090
- Employed3,959
- Unemployed131 plus or minus 97
- Unemployment rate3.2 percent plus or minus 2.4
- Adults 25 and over5,210
- Adults 25 and over with a high school diploma or higher94.4 percent
- Adults 25 and over with a bachelor degree or higher38.1 percent
- Adults 25 and over with a graduate degree15.2 percent plus or minus 5.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Scotia
Housing in Scotia
- Housing units3,469
- Occupied units3,303
- Vacant units166 plus or minus 124
- Vacancy rate4.8 percent plus or minus 3.6
- Owner occupied2,459
- Renter occupied844 plus or minus 239
- Ownership rate74.4 percent
- Median owner-occupied home value$189,900
- Median gross rent, monthly$1,031
- Annual rent as a share of median income16.2 percent plus or minus 3.3
- Single family units2,159
- Share single family62.2 percent
- Units in buildings of two or more1,083 plus or minus 303
- Share in buildings of two or more31.2 percent plus or minus 8.6
- Mobile homes227 plus or minus 244
- Median year structure built1942
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Scotia
How Scotia gets to work
- Workers 16 and over who commute3,170
- Commuting under 15 minutes844 plus or minus 264
- Share commuting under 15 minutes26.6 percent plus or minus 8.0
- Commuting 30 minutes or more908 plus or minus 220
- Share commuting 30 minutes or more28.6 percent plus or minus 6.4
- Drove alone64.9 percent
- Carpooled8.1 percent plus or minus 5.3
- Public transport0.7 percent plus or minus 0.8
- Walked4.0 percent plus or minus 2.3
- Worked from home19.0 percent plus or minus 6.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Scotia
SBA loans in Scotia (7(a))
- Approvals4
- Gross approval$656,000
- Average approval$164,000
- Median approval$125,000
- Ninetieth percentile approval$476,000
- Largest approval$476,000
- Jobs supported40
- Jobs per approval10.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more25.0 percent
- Share to franchises0.0 percent
- Distinct lenders3
- 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.
Scotia
SBA loans in Scotia (504)
- Approvals6
- Gross approval$7,979,000
- Average approval$1,329,833
- Median approval$1,647,000
- Largest approval$2,280,000
- Jobs supported139
- Loans with a final outcome3
- Charged off0
- Median term240 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Scotia
Flood risk in Scotia
- Listed NFIP communities1
- Of those, participating1
- NFIP community number360742
- Currently effective map date01/08/14
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.
Schenectady County, not Scotia
Schenectady County context, not Scotia figures
These are Schenectady County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Scotia measurements.
- Establishments in Schenectady County2,911
- Employment at those establishments, Schenectady County51,797
- Covered employment, Schenectady County58,509
- Average annual pay, Schenectady County$73,794
- Average weekly wage, Schenectady County$1,419
- Housing units permitted, Schenectady County154
- Of those, single family, Schenectady County78
- County product, 2024, Schenectady County$12,310,463,000
- County product change over the prior year, Schenectady County5.2 percent
- Average income of an arriving household, Schenectady County$59,683
Every figure in this section is published for Schenectady County as a whole and is not a measurement of Scotia. 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
Scotia questions, answered from the record.
How many people live in Scotia, New York?
7,264, in 3,303 households. Scotia village covers 1.69 square miles of land, which is 4,303 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Scotia in?
Schenectady 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 Scotia?
$76,525. The median owner-occupied home is valued at $189,900. Median gross rent is $1,031 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Scotia businesses?
4 7(a) approvals totalling $656,000, across 3 lenders, median approval $125,000, plus 6 504 approvals worth $8.0 m. These count approvals to borrowers whose address is in Scotia, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Scotia borrowers get paid back?
No rate is published for Scotia. 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 Scotia in the National Flood Insurance Program?
Yes. Scotia appears in the FEMA Community Status Book as community 360742, 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 Scotia figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Schenectady 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 Scotia.
Is zoning published for Scotia?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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