St. Lawrence County, New York: commercial real estate data.

St. Lawrence County

How many people live in St. Lawrence County

• Population, American Community Survey 2020-2024107,226
• Households41,666
• Average household size2.57
• Median household income$62,850
• Median age39.3
• Median gross rent$818 per month
• Median owner-occupied home value$121,900
• Home value to household income1.9 times
• Annual rent as a share of median income15.6 percent
• Adults 25 and over with a bachelor degree or higher25.3 percent
• Adults 25 and over with a graduate degree12.3 percent
• Adults 25 and over71,171
• Population under 1821,313
• Share under 1819.9 percent
• Population 65 and over20,152
• Share 65 and over18.8 percent
• Working age population, 18 to 6465,761
• Civilian labor force47,293
• Unemployment rate5.3 percent
• Labor force participation, adults 18 and over55.0 percent
• Rank by population among New York counties27th of 62
• Rank by population among US county-equivalents, Puerto Rico included583rd of 3,222

St. Lawrence County is the 27th largest of 62 New York counties by population. A median home costs 1.9 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 19.9 percent against 18.8 percent, a household formation profile rather than a retirement one.

US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.

St. Lawrence County

Where are people moving to St. Lawrence County from?

• Tax returns filed by households arriving1,363
• People arriving, from those returns2,324
• Tax returns filed by households leaving1,475
• Net household movement-112
• Adjusted gross income arriving$83.9 m
• Net adjusted gross income movement$-5.5 m
• Average income of an arriving household$61,541
• Average income of a leaving household$60,575
• Largest single originFranklin County (154 households)
• Largest single destinationJefferson County (155 households)

Households arriving report $966 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 Franklin 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.

St. Lawrence County

Employment by industry in St. Lawrence County

• Covered employment, annual average34,764
• Establishments reporting2,104
• Average annual pay$62,502
• Average weekly wage$1,202
• Health care and social assistance, employment5,356
• Health care and social assistance, average annual pay$66,847
• Retail trade, employment4,457
• Retail trade, average annual pay$35,104
• Accommodation and food services, employment2,629
• Accommodation and food services, average annual pay$23,508
• Manufacturing, employment2,347
• Manufacturing, average annual pay$80,029
• Educational services, employment2,019
• Construction, employment1,400

Health care and social assistance is the largest private sector at 5,356 jobs, 15.4 percent of covered employment.

US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.

St. Lawrence County

Building permits in St. Lawrence County

• Housing units authorized by permit, 2024228
• Declared construction value permitted$41.7 m
• Single family units authorized204
• Multifamily units authorized24
• Multifamily share of units10.5 percent
• Average declared value per unit$182,676
• Units authorized per 1,000 households5.5

Single-family homes are 89.5 percent of units authorized, so the pipeline is predominantly single-family.

US Census Bureau, Building Permits Survey, 2024 annual.

St. Lawrence County

SBA loan default and charge-off rates in St. Lawrence County

Do SBA loans in St. Lawrence County get paid back?

• Loans with a final outcome recorded2
• Paid in full0
• Charged off2
• Status: Cancelled3
• Status: Exempt from disclosure26
• Status: Charged off2
• Status: Committed, not yet disbursed1

Only 2 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.

St. Lawrence County

How large is St. Lawrence County?

• Land area2,680 sq mi
• Rank by land area among New York counties1st of 62
• Width, east to west65.6 mi
• Height, north to south66.7 mi
• Geographies sharing a boundary5
• Residents per square mile of land40
• Establishments per square mile0.68

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.

Feasibility studies

When a St. Lawrence 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 St. Lawrence County site starts with the figures you are reading, carrying the same source and period into the credit file.

• Population, American Community Survey 2020-2024107,226
• Households41,666
• Average household size2.57
• Median household income$62,850
• Median age39.3

How a feasibility study works →

St. Lawrence County

Cities and places in St. Lawrence.

26 Census places lie wholly or partly in St. Lawrence County. All 26 carry enough published place level data for a page of their own and are linked.

A further 3 of the county's 32 SBA 7(a) approvals are to borrowers in cities that match no Census place in St. Lawrence County, the largest being Lisbon (2), Childwold (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.