Steuben County, New York: commercial real estate data.
Steuben County, New York had an estimated 92,015 residents on July 1, 2024, down 1.7 percent since the 2020 census base of 93,576, across 1,391 square miles. County output reached $5.79 bn in 2024, 1,749 establishments operate here, and the SBA record carries 110 7(a) approvals worth $33.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Steuben County
How many people live in Steuben County
- Population, American Community Survey 2020-202492,588
- Households39,219
- Average household size2.36
- Median household income$65,887
- Median age43.0
- Median gross rent$894 per month
- Median owner-occupied home value$137,900
- Home value to household income2.1 times
- Annual rent as a share of median income16.3 percent
- Adults 25 and over with a bachelor degree or higher26.3 percent
- Adults 25 and over with a graduate degree12.6 percent
- Adults 25 and over65,996
- Population under 1819,920
- Share under 1821.5 percent
- Population 65 and over19,262
- Share 65 and over20.8 percent
- Working age population, 18 to 6453,406
- Civilian labor force43,888
- Unemployment rate6.0 percent
- Labor force participation, adults 18 and over60.4 percent
- Rank by population among New York counties30th of 62
- Rank by population among US county-equivalents, Puerto Rico included660th of 3,222
Steuben County is the 30th largest of 62 New York counties by population. A median home costs 2.1 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 21.5 percent against 20.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Steuben County
Is Steuben County's population growing?
- Population, July 1, 202492,015
- Census 2020 base population93,576
- Population change since the 2020 census base-1.67 percent
- Population change, 2023 to 2024-72
- Births, 2024986
- Deaths, 20241,153
- Natural change, 2024-167
- Net domestic migration, 2024-86
- Net international migration, 2024183
- Total net migration, 202497
- Cumulative net domestic migration, 2021 to 2024-787
- Rank by growth among US county-equivalents2409th of 3,144
The county has lost 1.67 percent of its population since the 2020 census base. Deaths exceeded births in 2024 by more than net migration added, so the population fell even though more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Steuben County
Where are people moving to Steuben County from?
- Tax returns filed by households arriving1,891
- People arriving, from those returns3,172
- Tax returns filed by households leaving1,997
- Net household movement-106
- Adjusted gross income arriving$116.6 m
- Net adjusted gross income movement$-29.4 m
- Average income of an arriving household$61,668
- Average income of a leaving household$73,100
- Largest single originChemung County (273 households)
- Largest single destinationChemung County (300 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Chemung County | 273 | 446 | $15.8 m |
| Livingston County | 118 | 207 | $5.0 m |
| Allegany County | 103 | 175 | $4.5 m |
| Monroe County | 102 | 164 | $9.0 m |
| Tioga County | 72 | 133 | $3.4 m |
| Schuyler County | 70 | 125 | $5.9 m |
| Ontario County | 58 | 100 | $3.0 m |
| Yates County | 46 | 83 | $2.9 m |
Households arriving report $11,432 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Chemung 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.
Steuben County
What is the Steuben County economy?
- County GDP, 2024$5.79 bn
- County GDP, 2023$5.60 bn
- GDP change, 2023 to 20243.3 percent
- GDP change over five years24.1 percent
- Rank by GDP among the New York areas BEA publishes30th of 62
- Rank by GDP among the US county areas BEA publishes659th of 3,127
- GDP per resident$62,506
Output grew 3.3 percent in the latest year and 24.1 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.
Steuben County
Employment by industry in Steuben County
- Covered employment, annual average34,564
- Establishments reporting2,170
- Average annual pay$72,111
- Average weekly wage$1,387
- Health care and social assistance, employment5,523
- Health care and social assistance, average annual pay$52,283
- Manufacturing, employment4,043
- Manufacturing, average annual pay$81,921
- Retail trade, employment3,728
- Retail trade, average annual pay$37,168
- Professional, scientific and technical services, employment3,270
- Professional, scientific and technical services, average annual pay$152,977
- Accommodation and food services, employment2,585
- Management of companies and enterprises, employment1,228
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 5,523 | 219 | $52,283 |
| Manufacturing | 4,043 | 72 | $81,921 |
| Retail trade | 3,728 | 267 | $37,168 |
| Professional, scientific and technical services | 3,270 | 142 | $152,977 |
| Accommodation and food services | 2,585 | 210 | $25,422 |
| Management of companies and enterprises | 1,228 | 22 | $264,000 |
| Other services, except public administration | 959 | 195 | $37,788 |
| Transportation and warehousing | 865 | 75 | $54,613 |
Health care and social assistance is the largest private sector at 5,523 jobs, 16.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Steuben County
How many businesses are in Steuben County?
- Establishments, all industries1,749
- Employment at those establishments26,364
- Annual payroll$1.86 bn
- Establishments per 1,000 residents18.9
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.
Steuben County
Building permits in Steuben County
- Housing units authorized by permit, 2024120
- Declared construction value permitted$24.5 m
- Single family units authorized120
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$204,105
- Units authorized per 1,000 households3.1
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.
Steuben County
SBA loans in Steuben County (7(a) and 504)
- 7(a) approvals recorded110
- 7(a) gross approval dollars$33.2 m
- Average 7(a) approval$301,782
- Median 7(a) approval$100,000
- 10th percentile approval$15,000
- 90th percentile approval$519,640
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)695
- Jobs per approval6.3
- Distinct 7(a) lenders active23
- Distinct industries receiving approvals59
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer13.6 percent
- Loans on real estate terms15
- Loans on working capital terms, 120 months or shorter90
- Franchise loans4
- Franchise share of approvals3.6 percent
- Leading industry by approval countFull-Service Restaurants (10)
- Most active lenderFive Star Bank (37)
- 504 approvals recorded3
- 504 gross approval dollars$5.7 m
- Average 504 approval$1,899,000
- Median 504 approval$567,000
- Distinct CDCs active1
- 504 jobs per approval15.7
- 504 jobs per million dollars approved8.2
- Most active CDCEmpire State Certified Development Corporation (3)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$38.9 m
The average approval of $301,782 sits well above the median of $100,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 13.6 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.
Steuben County
SBA loan default and charge-off rates in Steuben County
Do SBA loans in Steuben County get paid back?
- Loans with a final outcome recorded13
- Paid in full13
- Charged off0
- Status: Paid in full13
- Status: Exempt from disclosure78
- Status: Cancelled10
- Status: Committed, not yet disbursed9
Only 13 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.
Steuben County
SBA lending by place in Steuben County
- Borrower cities with recorded lending16
- Bath, approvals23
- Corning, approvals18
- Painted Post, approvals17
- Hornell, approvals14
- Addison, approvals7
- Campbell, approvals6
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Bath | 23 | $4,450,100 |
| Corning | 18 | $6,454,500 |
| Painted Post | 17 | $4,999,100 |
| Hornell | 14 | $9,133,500 |
| Addison | 7 | $1,615,400 |
| Campbell | 6 | $2,107,400 |
| Wayland | 6 | $735,000 |
| Naples | 4 | $1,325,000 |
| 8 other borrower cities | 15 | $2,376,000 |
Bath accounts for 23 approvals against 18 in Corning. 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.
Steuben County
How large is Steuben County?
- Land area1,391 sq mi
- Rank by land area among New York counties7th of 62
- Width, east to west40.2 mi
- Height, north to south40.2 mi
- Geographies sharing a boundary8
- Residents per square mile of land67
- Establishments per square mile1.26
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.
Steuben County
Flood risk in Steuben County
- Communities in the county in the NFIP Community Status Book47
- Of those, participating in the NFIP47
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 8
- Communities carrying a CRS class4
- Radon levels in Steuben County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The EPA places Steuben 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. The best Community Rating System class among the county's communities is 8, which carries a flood insurance premium discount for policies written in that community. 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 Steuben 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 Steuben County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202492,588
- Households39,219
- Average household size2.36
- Median household income$65,887
- Median age43.0
Common questions
Steuben County questions, answered from the record.
How many people live in Steuben County, New York?
The Census Bureau estimates 92,015 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 92,588, in 39,219 households, ranking 30th of 62 New York counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Steuben County's population growing?
The population has fallen 1.67 percent since the 2020 census base of 93,576, to 92,015 on July 1, 2024. In 2024 there were 986 births against 1,153 deaths, with net migration of 97. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Steuben County?
$65,887. The median owner-occupied home is valued at $137,900, which is 2.1 times income, and median gross rent is $894 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Steuben County?
1,749 establishments, employing 26,364 people with an annual payroll of $1.86 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 Steuben County?
Health care and social assistance is the largest private sector at 5,523 jobs, 16.0 percent of covered employment. Covered employment averages 34,564 jobs at an average annual pay of $72,111, or $1,387 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Steuben County?
110 7(a) approvals totaling $33.2 m since FY2020, across 23 lenders, with a median approval of $100,000, plus 3 504 approvals worth $5.7 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Steuben County?
120 housing units were authorized by permit in 2024, with a declared construction value of $24.5 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Steuben 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 Steuben County come from?
The largest single origin is Chemung County, with 273 households. Arriving households report an average income of $61,668 against $73,100 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Steuben 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 Steuben 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.
Steuben County
Cities and places in Steuben.
20 Census places lie wholly or partly in Steuben County. All 20 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 |
|---|---|---|---|---|
| Corning | city | 10,643 | 18 | Wholly in this county |
| Hornell | city | 8,152 | 14 | Wholly in this county |
| Bath | village | 5,560 | 23 | Wholly in this county |
| Gang Mills | CDP | 4,177 | None recorded | Wholly in this county |
| Canisteo | village | 2,085 | 2 | Wholly in this county |
| Wayland | village | 2,007 | 6 | Wholly in this county |
| Painted Post | village | 1,824 | 17 | Wholly in this county |
| Addison | village | 1,688 | 7 | Wholly in this county |
| South Corning | village | 1,132 | None recorded | Wholly in this county |
| North Hornell | village | 1,043 | None recorded | Wholly in this county |
| Avoca | village | 1,023 | 3 | Wholly in this county |
| Cohocton | village | 946 | 1 | Wholly in this county |
| Arkport | village | 897 | 3 | Wholly in this county |
| Campbell | CDP | 800 | 6 | Wholly in this county |
| Prattsburgh | CDP | 650 | None recorded | Wholly in this county |
| Savona | village | 650 | None recorded | Wholly in this county |
| Riverside | village | 624 | None recorded | Wholly in this county |
| Hammondsport | village | 506 | 2 | Wholly in this county |
| Coopers Plains | CDP | 480 | None recorded | Wholly in this county |
| Almond | village | 368 | None recorded | 13.7 percent here, 86.3 percent Allegany County |
A further 8 of the county's 110 SBA 7(a) approvals are to borrowers in cities that match no Census place in Steuben County, the largest being Naples (4), Lindley (2), Pulteney (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.