HomeNew YorkSchenectady CountyScotia
Scotia, New York: commercial real estate data.
Scotia 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 since FY2020.
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$80,000
- 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
Counted by borrower city: approvals to borrowers whose address is in Scotia, 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.
Scotia
SBA loans in Scotia (504)
- Approvals6
- Gross approval$7,979,000
- Average approval$1,329,833
- Median approval$1,569,500
- Largest approval$2,280,000
- Jobs supported139
- Loans with a final outcome3
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Scotia, in any county, FY2010 to FY2026. Only 3 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.
Scotia
Flood risk in Scotia
- NFIP communityVillage of Scotia
- NFIP community number360742
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date01/08/14
The Village of Scotia participates in the National Flood Insurance Program as community 360742 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.
Schenectady County, not Scotia
Schenectady County context, not Scotia figures
- Establishments in Schenectady County2,911
- Covered employment, Schenectady County58,509
- Average annual pay, Schenectady County$73,794
- Housing units permitted, Schenectady County154
Every figure in this section is published for Schenectady County as a whole and is not a measurement of Scotia.
All Schenectady County figures →
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
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 totaling $656,000 since FY2020, across 3 lenders, median approval $80,000, plus 6 504 approvals worth $8.0 m since FY2010. 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 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 Scotia in the National Flood Insurance Program?
Yes. Scotia appears in the FEMA Community Status Book as Scotia, village of, 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 labeled 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?
No. Nothing on this page presents parcel level zoning.
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