Seneca County, New York: commercial real estate data.
Seneca County, New York had an estimated 32,650 residents on July 1, 2024, down 3.4 percent since the 2020 census base of 33,806, across 324 square miles. County output reached $2.06 bn in 2024, 689 establishments operate here, and the SBA record carries 37 7(a) approvals worth $9.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Seneca County
How many people live in Seneca County
- Population, American Community Survey 2020-202432,920
- Households13,606
- Average household size2.42
- Median household income$68,089
- Median age43.0
- Median gross rent$957 per month
- Median owner-occupied home value$155,400
- Home value to household income2.3 times
- Annual rent as a share of median income16.9 percent
- Adults 25 and over with a bachelor degree or higher25.2 percent
- Adults 25 and over with a graduate degree9.5 percent
- Adults 25 and over23,742
- Population under 186,682
- Share under 1820.3 percent
- Population 65 and over7,104
- Share 65 and over21.6 percent
- Working age population, 18 to 6419,134
- Civilian labor force15,143
- Unemployment rate4.5 percent
- Labor force participation, adults 18 and over57.7 percent
- Rank by population among New York counties57th of 62
- Rank by population among US county-equivalents, Puerto Rico included1400th of 3,222
Seneca County is the 57th largest of 62 New York counties by population. A median home costs 2.3 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 21.6 percent against 20.3 percent, which points demand at health care, services and single story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Seneca County
Is Seneca County's population growing?
- Population, July 1, 202432,650
- Census 2020 base population33,806
- Population change since the 2020 census base-3.42 percent
- Population change, 2023 to 2024234
- Births, 2024291
- Deaths, 2024354
- Natural change, 2024-63
- Net domestic migration, 2024193
- Net international migration, 2024104
- Total net migration, 2024297
- Cumulative net domestic migration, 2021 to 2024-900
- Rank by growth among US county-equivalents2807th of 3,144
The county has lost 3.42 percent of its population since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Seneca County
Where are people moving to Seneca County from?
- Tax returns filed by households arriving693
- People arriving, from those returns1,181
- Tax returns filed by households leaving861
- Net household movement-168
- Adjusted gross income arriving$42.9 m
- Net adjusted gross income movement$-4.7 m
- Average income of an arriving household$61,877
- Average income of a leaving household$55,213
- Largest single originOntario County (153 households)
- Largest single destinationOntario County (148 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Ontario County | 153 | 275 | $8.4 m |
| Wayne County | 64 | 122 | $3.1 m |
| Cayuga County | 57 | 99 | $2.6 m |
| Tompkins County | 56 | 104 | $4.0 m |
| Monroe County | 30 | 42 | $1.4 m |
| Onondaga County | 24 | 41 | $948,000 |
Households arriving report $6,664 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Ontario 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.
Seneca County
What is the Seneca County economy?
- County GDP, 2024$2.06 bn
- County GDP, 2023$1.97 bn
- GDP change, 2023 to 20244.8 percent
- GDP change over five years34.0 percent
- Rank by GDP among the New York areas BEA publishes54th of 62
- Rank by GDP among the US county areas BEA publishes1251st of 3,127
- GDP per resident$62,703
Output grew 4.8 percent in the latest year and 34.0 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.
Seneca County
Employment by industry in Seneca County
- Covered employment, annual average10,274
- Establishments reporting765
- Average annual pay$63,386
- Average weekly wage$1,219
- Retail trade, employment1,938
- Retail trade, average annual pay$37,038
- Manufacturing, employment1,879
- Manufacturing, average annual pay$77,486
- Accommodation and food services, employment1,356
- Accommodation and food services, average annual pay$41,667
- Wholesale trade, employment311
- Wholesale trade, average annual pay$70,798
- Construction, employment259
- Other services, except public administration, employment223
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 1,938 | 137 | $37,038 |
| Manufacturing | 1,879 | 56 | $77,486 |
| Accommodation and food services | 1,356 | 73 | $41,667 |
| Wholesale trade | 311 | 31 | $70,798 |
| Construction | 259 | 62 | $71,556 |
| Other services, except public administration | 223 | 54 | $31,332 |
| Administrative and support and waste management services | 170 | 36 | $53,946 |
| Finance and insurance | 115 | 24 | $66,736 |
Retail trade is the largest private sector at 1,938 jobs, 18.9 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Seneca County
How many businesses are in Seneca County?
- Establishments, all industries689
- Employment at those establishments8,767
- Annual payroll$437.8 m
- Establishments per 1,000 residents20.9
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.
Seneca County
Building permits in Seneca County
- Housing units authorized by permit, 202448
- Declared construction value permitted$11.4 m
- Single family units authorized48
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$236,687
- Units authorized per 1,000 households3.5
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Seneca County
SBA loans in Seneca County (7(a) and 504)
- 7(a) approvals recorded37
- 7(a) gross approval dollars$9.5 m
- Average 7(a) approval$257,003
- Median 7(a) approval$47,500
- 10th percentile approval$10,000
- 90th percentile approval$388,000
- Largest single approval$4,845,000
- Jobs reported supported, 7(a)153
- Jobs per approval4.1
- Distinct 7(a) lenders active13
- Distinct industries receiving approvals28
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer18.9 percent
- Loans on real estate terms7
- Loans on working capital terms, 120 months or shorter30
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countOther Miscellaneous Durable Goods Merchant Wholesalers (3)
- 504 approvals recorded5
- 504 gross approval dollars$3.0 m
- Average 504 approval$597,400
- Median 504 approval$509,000
- Distinct CDCs active2
- 504 jobs per approval5.0
- 504 jobs per million dollars approved8.4
- Most active CDCEmpire State Certified Development Corporation (3)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$12.5 m
The average approval of $257,003 sits well above the median of $47,500, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 18.9 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.
Seneca County
SBA loan default and charge-off rates in Seneca County
Do SBA loans in Seneca County get paid back?
- Loans with a final outcome recorded9
- Paid in full9
- Charged off0
- Status: Exempt from disclosure23
- Status: Paid in full9
- Status: Committed, not yet disbursed4
- Status: Cancelled1
Only 9 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.
Seneca County
SBA lending by place in Seneca County
- Borrower cities with recorded lending7
- Seneca Falls, approvals15
- Waterloo, approvals11
- Romulus, approvals5
- Ovid, approvals3
- Lodi, approvals1
- Interlaken, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Seneca Falls | 15 | $2,308,800 |
| Waterloo | 11 | $724,000 |
| Romulus | 5 | $918,300 |
| Ovid | 3 | $4,913,000 |
| Lodi | 1 | $280,000 |
| Interlaken | 1 | $200,000 |
| Geneva | 1 | $165,000 |
Seneca Falls accounts for 15 approvals against 11 in Waterloo. 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.
Seneca County
How large is Seneca County?
- Land area324 sq mi
- Rank by land area among New York counties53rd of 62
- Width, east to west19.6 mi
- Height, north to south33.3 mi
- Geographies sharing a boundary6
- Residents per square mile of land102
- Establishments per square mile2.13
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.
Seneca County
Flood risk in Seneca County
- Communities in the county in the NFIP Community Status Book12
- Of those, participating in the NFIP12
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Seneca County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The EPA places Seneca 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 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 Seneca 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 Seneca County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202432,920
- Households13,606
- Average household size2.42
- Median household income$68,089
- Median age43.0
Common questions
Seneca County questions, answered from the record.
How many people live in Seneca County, New York?
The Census Bureau estimates 32,650 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 32,920, in 13,606 households, ranking 57th of 62 New York counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Seneca County's population growing?
The population has fallen 3.42 percent since the 2020 census base of 33,806, to 32,650 on July 1, 2024. In 2024 there were 291 births against 354 deaths, with net migration of 297. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Seneca County?
$68,089. The median owner-occupied home is valued at $155,400, which is 2.3 times income, and median gross rent is $957 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Seneca County?
689 establishments, employing 8,767 people with an annual payroll of $437.8 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Seneca County?
Retail trade is the largest private sector at 1,938 jobs, 18.9 percent of covered employment. Covered employment averages 10,274 jobs at an average annual pay of $63,386, or $1,219 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Seneca County?
37 7(a) approvals totaling $9.5 m since FY2020, across 13 lenders, with a median approval of $47,500, plus 5 504 approvals worth $3.0 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Seneca County?
48 housing units were authorized by permit in 2024, with a declared construction value of $11.4 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Seneca 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 Seneca County come from?
The largest single origin is Ontario County, with 153 households. Arriving households report an average income of $61,877 against $55,213 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Seneca 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 Seneca 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.
Seneca County
Cities and places in Seneca.
7 Census places lie wholly or partly in Seneca County. All 7 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 |
|---|---|---|---|---|
| Geneva | city | 12,512 | 1 | 27.8 percent here, 72.2 percent Ontario County |
| Seneca Falls | CDP | 6,956 | 15 | Wholly in this county |
| Waterloo | village | 4,605 | 11 | Wholly in this county |
| Interlaken | village | 493 | 1 | Wholly in this county |
| Ovid | village | 402 | 3 | Wholly in this county |
| Lodi | village | 307 | 1 | Wholly in this county |
| Romulus | CDP | 265 | 5 | Wholly in this county |
Nearby