HomeNew YorkSuffolk CountyBay Shore CDP
Bay Shore CDP, New York: commercial real estate data.
Bay Shore CDP is a Census CDP of 31,683 people across 5.68 square miles of land, in Suffolk County. Median household income is $105,618, 62.5 percent of occupied homes are owned, and the SBA record carries 86 7(a) approvals to borrowers here worth $46.2 m.
77 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Bay Shore
What Bay Shore is
- Census place typeCDP
- Land area5.68 sq mi
- Water area1.04 sq mi
- Population per square mile of land5,580
- County holding the largest share of its areaSuffolk 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.
Bay Shore
How many people live in Bay Shore
- Population31,683
- Median age34.6
- Population under 188,655
- Share under 1827.3 percent
- Population 65 and over4,026
- Share 65 and over12.7 percent
- Households9,846
- Family households6,198
- Share of households that are families62.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bay Shore
Income and work in Bay Shore
- Median household income$105,618
- Per capita income$42,341
- Civilian labor force15,826
- Employed15,075
- Unemployed751 plus or minus 260
- Unemployment rate4.7 percent plus or minus 1.6
- Adults 25 and over20,616
- Adults 25 and over with a high school diploma or higher85.0 percent
- Adults 25 and over with a bachelor degree or higher30.1 percent
- Adults 25 and over with a graduate degree13.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bay Shore
Housing in Bay Shore
- Housing units10,300
- Occupied units9,846
- Vacant units454 plus or minus 214
- Vacancy rate4.4 percent plus or minus 2.1
- Owner occupied6,150
- Renter occupied3,696
- Ownership rate62.5 percent
- Median owner-occupied home value$492,200
- Median gross rent, monthly$2,063
- Annual rent as a share of median income23.4 percent
- Single family units6,778
- Share single family65.8 percent
- Units in buildings of two or more3,317
- Share in buildings of two or more32.2 percent
- Mobile homes205 plus or minus 110
- Median year structure built1965
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bay Shore
How Bay Shore gets to work
- Workers 16 and over who commute13,321
- Commuting under 15 minutes3,911
- Share commuting under 15 minutes29.4 percent
- Commuting 30 minutes or more4,695
- Share commuting 30 minutes or more35.2 percent
- Drove alone71.0 percent
- Carpooled8.5 percent plus or minus 2.0
- Public transport4.2 percent plus or minus 2.3
- Walked1.5 percent plus or minus 0.6
- Worked from home9.9 percent plus or minus 2.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bay Shore
SBA loans in Bay Shore (7(a))
- Approvals86
- Gross approval$46,233,400
- Average approval$537,598
- Median approval$150,000
- Ninetieth percentile approval$1,436,800
- Largest approval$5,000,000
- Jobs supported1,312
- Jobs per approval15.3
- Loans with a final outcome11
- Paid in full5
- Charged off6
- Charge-off rate over resolved loans54.5 percent
- Median term120 months
- Share on real estate terms of 20 years or more10.5 percent
- Share to franchises3.5 percent
- Distinct lenders32
- Distinct industries by NAICS59
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Bay Shore
SBA loans in Bay Shore (504)
- Approvals15
- Gross approval$12,387,000
- Average approval$825,800
- Median approval$775,000
- Largest approval$2,046,000
- Jobs supported176
- Loans with a final outcome5
- Charged off0
- Median term240 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Suffolk County, not Bay Shore
Suffolk County context, not Bay Shore figures
These are Suffolk County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Bay Shore measurements.
- Establishments in Suffolk County50,748
- Employment at those establishments, Suffolk County592,580
- Covered employment, Suffolk County679,594
- Average annual pay, Suffolk County$79,121
- Average weekly wage, Suffolk County$1,522
- Housing units permitted, Suffolk County1,407
- Of those, single family, Suffolk County1,137
- County product, 2024, Suffolk County$139,014,125,000
- County product change over the prior year, Suffolk County5.9 percent
- Average income of an arriving household, Suffolk County$144,254
Every figure in this section is published for Suffolk County as a whole and is not a measurement of Bay Shore. 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.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- 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
Bay Shore questions, answered from the record.
How many people live in Bay Shore, New York?
31,683, in 9,846 households. Bay Shore CDP covers 5.68 square miles of land, which is 5,580 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Bay Shore in?
Suffolk 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 Bay Shore?
$105,618. The median owner-occupied home is valued at $492,200. Median gross rent is $2,063 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Bay Shore businesses?
86 7(a) approvals totalling $46.2 m, across 32 lenders, median approval $150,000, plus 15 504 approvals worth $12.4 m. These count approvals to borrowers whose address is in Bay Shore, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Bay Shore borrowers get paid back?
Of the 11 loans that have reached a final outcome, 5 were paid in full and 6 charged off, a charge off rate of 54.5 percent. Loans still running are excluded because they have not yet succeeded or failed.
Are the county figures on this page Bay Shore figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Suffolk 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 Bay Shore.
Is zoning published for Bay Shore?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.