HomeNew YorkSuffolk CountySmithtown
Smithtown, New York: commercial real estate data.
Smithtown is a Census CDP of 24,375 people across 11.93 square miles of land, in Suffolk County. Median household income is $150,664, 88.6 percent of occupied homes are owned, and the SBA record carries 73 7(a) approvals to borrowers here worth $25.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Smithtown
What Smithtown is
- Census place typeCDP
- Land area11.93 sq mi
- Water area0.55 sq mi
- Population per square mile of land2,044
- 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.
Smithtown
How many people live in Smithtown
- Population24,375
- Median age47.0
- Population under 184,871
- Share under 1820.0 percent
- Population 65 and over4,640
- Share 65 and over19.0 percent
- Households8,033
- Family households6,168
- Share of households that are families76.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Smithtown
Income and work in Smithtown
- Median household income$150,664
- Per capita income$64,161
- Civilian labor force13,213
- Employed12,808
- Unemployed405 plus or minus 131
- Unemployment rate3.1 percent plus or minus 1.0
- Adults 25 and over17,313
- Adults 25 and over with a high school diploma or higher95.6 percent
- Adults 25 and over with a bachelor degree or higher51.2 percent
- Adults 25 and over with a graduate degree21.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Smithtown
Housing in Smithtown
- Housing units8,235
- Occupied units8,033
- Vacant units202 plus or minus 130
- Vacancy rate2.5 percent plus or minus 1.6
- Owner occupied7,120
- Renter occupied913 plus or minus 203
- Ownership rate88.6 percent
- Median owner-occupied home value$704,700
- Median gross rent, monthly$2,020
- Annual rent as a share of median income16.1 percent
- Single family units7,629
- Share single family92.6 percent
- Units in buildings of two or more580 plus or minus 192
- Share in buildings of two or more7.0 percent plus or minus 2.3
- Mobile homes26 plus or minus 40
- Median year structure built1967
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Smithtown
How Smithtown gets to work
- Workers 16 and over who commute10,317
- Commuting under 15 minutes2,071
- Share commuting under 15 minutes20.1 percent
- Commuting 30 minutes or more4,897
- Share commuting 30 minutes or more47.5 percent
- Drove alone71.8 percent
- Carpooled4.7 percent plus or minus 1.5
- Public transport3.9 percent plus or minus 1.5
- Walked0.3 percent plus or minus 0.3
- Worked from home18.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Smithtown
SBA loans in Smithtown (7(a))
- Approvals73
- Gross approval$25,776,100
- Average approval$353,097
- Median approval$200,000
- Ninetieth percentile approval$633,520
- Largest approval$4,130,000
- Jobs supported401
- Jobs per approval5.5
- Loans with a final outcome12
- Paid in full9
- Charged off3
- Median term120 months
- Share on real estate terms of 20 years or more9.6 percent
- Share to franchises8.2 percent
- Distinct lenders25
- Distinct industries by NAICS51
Counted by borrower city: approvals to borrowers whose address is in Smithtown, in any county, FY2020 to FY2026. Only 12 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.
Smithtown
SBA loans in Smithtown (504)
- Approvals9
- Gross approval$3,425,000
- Average approval$380,556
- Median approval$305,000
- Largest approval$931,000
- Jobs supported54
- Loans with a final outcome3
- Charged off0
- Median term300 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Smithtown, 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.
Smithtown
Flood risk in Smithtown
- NFIP communityTown of Smithtown
- NFIP community number360810
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/25/09
The Town of Smithtown participates in the National Flood Insurance Program as community 360810 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.
Suffolk County, not Smithtown
Suffolk County context, not Smithtown figures
- Establishments in Suffolk County50,748
- Covered employment, Suffolk County679,594
- Average annual pay, Suffolk County$79,121
- Housing units permitted, Suffolk County1,407
Every figure in this section is published for Suffolk County as a whole and is not a measurement of Smithtown.
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
Smithtown questions, answered from the record.
How many people live in Smithtown, New York?
24,375, in 8,033 households. Smithtown CDP covers 11.93 square miles of land, which is 2,044 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Smithtown 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 Smithtown?
$150,664. The median owner-occupied home is valued at $704,700. Median gross rent is $2,020 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Smithtown businesses?
73 7(a) approvals totaling $25.8 m since FY2020, across 25 lenders, median approval $200,000, plus 9 504 approvals worth $3.4 m since FY2010. These count approvals to borrowers whose address is in Smithtown, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Smithtown borrowers get paid back?
No rate is published for Smithtown. Only 12 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 Smithtown in the National Flood Insurance Program?
Yes. Smithtown appears in the FEMA Community Status Book as Smithtown, town of, community 360810, 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 Smithtown figures?
No, and they are labeled 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 Smithtown.
Is zoning published for Smithtown?
No. Nothing on this page presents parcel level zoning.