Owego, New York: commercial real estate data.
Owego is a Census village of 3,912 people across 2.55 square miles of land, in Tioga County. Median household income is $60,139, 49.1 percent of occupied homes are owned, and the SBA record carries 12 7(a) approvals to borrowers here worth $1.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Owego
What Owego is
- Census place typevillage
- Land area2.55 sq mi
- Water area0.23 sq mi
- Population per square mile of land1,535
- County holding the largest share of its areaTioga 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.
Owego
How many people live in Owego
- Population3,912
- Median age37.0
- Population under 181,086 plus or minus 251
- Share under 1827.8 percent plus or minus 6.4
- Population 65 and over629 plus or minus 155
- Share 65 and over16.1 percent plus or minus 4.0
- Households1,606
- Family households730
- Share of households that are families45.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Owego
Income and work in Owego
- Median household income$60,139 plus or minus $17,435
- Per capita income$41,182 plus or minus $9,083
- Civilian labor force1,635
- Employed1,588
- Unemployed47 plus or minus 47
- Unemployment rate2.9 percent plus or minus 2.8
- Adults 25 and over2,511
- Adults 25 and over with a high school diploma or higher89.6 percent
- Adults 25 and over with a bachelor degree or higher38.2 percent plus or minus 9.1
- Adults 25 and over with a graduate degree14.3 percent plus or minus 5.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Owego
Housing in Owego
- Housing units1,872
- Occupied units1,606
- Vacant units266 plus or minus 113
- Vacancy rate14.2 percent plus or minus 5.9
- Owner occupied789
- Renter occupied817
- Ownership rate49.1 percent
- Median owner-occupied home value$147,300
- Median gross rent, monthly$901
- Annual rent as a share of median income18.0 percent plus or minus 5.5
- Single family units920
- Share single family49.1 percent
- Units in buildings of two or more952 plus or minus 200
- Share in buildings of two or more50.9 percent
- Mobile homes0
- Median year structure built1938
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Owego
How Owego gets to work
- Workers 16 and over who commute1,416
- Commuting under 15 minutes635 plus or minus 164
- Share commuting under 15 minutes44.8 percent plus or minus 9.4
- Commuting 30 minutes or more466 plus or minus 129
- Share commuting 30 minutes or more32.9 percent plus or minus 7.6
- Drove alone77.4 percent
- Carpooled7.5 percent plus or minus 4.1
- Public transport1.5 percent
- Walked3.4 percent plus or minus 3.8
- Worked from home9.6 percent plus or minus 4.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Owego
SBA loans in Owego (7(a))
- Approvals12
- Gross approval$1,035,000
- Average approval$86,250
- Median approval$50,000
- Largest approval$250,000
- Jobs supported84
- Jobs per approval7.0
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term112 months
- Share on real estate terms of 20 years or more8.3 percent
- Share to franchises0.0 percent
- Distinct lenders3
- Distinct industries by NAICS10
Counted by borrower city: approvals to borrowers whose address is in Owego, in any county, FY2020 to FY2026. Only 1 loan has 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.
Owego
SBA loans in Owego (504)
- Approvals1
- Gross approval$291,000
- Average approval$291,000
- Median approval$291,000
- Largest approval$291,000
- Jobs supported100
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Owego, in any county, FY2010 to FY2026. Only 0 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.
Owego
Flood risk in Owego
- NFIP communityTown of Owego
- NFIP community number360839
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date04/17/12
The Town of Owego participates in the National Flood Insurance Program as community 360839 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.
Tioga County, not Owego
Tioga County context, not Owego figures
- Establishments in Tioga County743
- Covered employment, Tioga County13,093
- Average annual pay, Tioga County$67,197
- Housing units permitted, Tioga County142
Every figure in this section is published for Tioga County as a whole and is not a measurement of Owego.
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
Owego questions, answered from the record.
How many people live in Owego, New York?
3,912, in 1,606 households. Owego village covers 2.55 square miles of land, which is 1,535 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Owego in?
Tioga 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 Owego?
$60,139. The median owner-occupied home is valued at $147,300. Median gross rent is $901 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Owego businesses?
12 7(a) approvals totaling $1.0 m since FY2020, across 3 lenders, median approval $50,000, plus 1 504 approvals worth $291,000 since FY2010. These count approvals to borrowers whose address is in Owego, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Owego borrowers get paid back?
No rate is published for Owego. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Owego in the National Flood Insurance Program?
Yes. Owego appears in the FEMA Community Status Book as Owego, town of, community 360839, 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 Owego figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Tioga 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 Owego.
Is zoning published for Owego?
No. Nothing on this page presents parcel level zoning.
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