Washington County, New York: commercial real estate data.
Washington County, New York had an estimated 59,839 residents on July 1, 2024, down 2.4 percent since the 2020 census base of 61,302, across 831 square miles. County output reached $2.64 bn in 2024, 1,065 establishments operate here, and the SBA record carries 58 7(a) approvals worth $19.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Washington County
How many people live in Washington County
- Population, American Community Survey 2020-202460,522
- Households24,469
- Average household size2.47
- Median household income$73,495
- Median age45.4
- Median gross rent$1,033 per month
- Median owner-occupied home value$196,200
- Home value to household income2.7 times
- Annual rent as a share of median income16.9 percent
- Adults 25 and over with a bachelor degree or higher22.4 percent
- Adults 25 and over with a graduate degree9.0 percent
- Adults 25 and over45,378
- Population under 1811,160
- Share under 1818.4 percent
- Population 65 and over13,108
- Share 65 and over21.7 percent
- Working age population, 18 to 6436,254
- Civilian labor force29,548
- Unemployment rate5.0 percent
- Labor force participation, adults 18 and over59.9 percent
- Rank by population among New York counties41st of 62
- Rank by population among US county-equivalents, Puerto Rico included888th of 3,222
Washington County is the 41st largest of 62 New York counties by population. A median home costs 2.7 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 21.7 percent against 18.4 percent, which points demand at health care, services and single story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Washington County
Is Washington County's population growing?
- Population, July 1, 202459,839
- Census 2020 base population61,302
- Population change since the 2020 census base-2.39 percent
- Population change, 2023 to 2024-193
- Births, 2024530
- Deaths, 2024734
- Natural change, 2024-204
- Net domestic migration, 2024-161
- Net international migration, 2024175
- Total net migration, 202414
- Cumulative net domestic migration, 2021 to 2024-678
- Rank by growth among US county-equivalents2597th of 3,144
The county has lost 2.39 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.
Washington County
Where are people moving to Washington County from?
- Tax returns filed by households arriving1,505
- People arriving, from those returns2,466
- Tax returns filed by households leaving1,510
- Net household movement-5
- Adjusted gross income arriving$87.2 m
- Net adjusted gross income movement$18.6 m
- Average income of an arriving household$57,912
- Average income of a leaving household$45,374
- Largest single originSaratoga County (384 households)
- Largest single destinationSaratoga County (383 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Saratoga County | 384 | 664 | $20.8 m |
| Warren County | 384 | 610 | $15.1 m |
| Rensselaer County | 75 | 134 | $3.7 m |
| Rutland County | 67 | 124 | $3.0 m |
| Bennington County | 45 | 75 | $1.8 m |
| Albany County | 39 | 53 | $2.3 m |
| Essex County | 31 | 50 | $1.1 m |
Households arriving report $12,538 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 Saratoga 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.
Washington County
What is the Washington County economy?
- County GDP, 2024$2.64 bn
- County GDP, 2023$2.58 bn
- GDP change, 2023 to 20242.2 percent
- GDP change over five years25.2 percent
- Rank by GDP among the New York areas BEA publishes47th of 62
- Rank by GDP among the US county areas BEA publishes1068th of 3,127
- GDP per resident$43,632
Output grew 2.2 percent in the latest year and 25.2 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.
Washington County
Employment by industry in Washington County
- Covered employment, annual average14,838
- Establishments reporting1,294
- Average annual pay$62,139
- Average weekly wage$1,195
- Manufacturing, employment2,426
- Manufacturing, average annual pay$76,794
- Retail trade, employment1,836
- Retail trade, average annual pay$40,261
- Health care and social assistance, employment1,612
- Health care and social assistance, average annual pay$49,290
- Construction, employment838
- Construction, average annual pay$78,027
- Accommodation and food services, employment672
- Administrative and support and waste management services, employment644
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 2,426 | 86 | $76,794 |
| Retail trade | 1,836 | 182 | $40,261 |
| Health care and social assistance | 1,612 | 100 | $49,290 |
| Construction | 838 | 145 | $78,027 |
| Accommodation and food services | 672 | 88 | $23,772 |
| Administrative and support and waste management services | 644 | 78 | $53,290 |
| Agriculture, forestry, fishing and hunting | 426 | 70 | $40,662 |
| Other services, except public administration | 368 | 101 | $38,764 |
Manufacturing is the largest private sector at 2,426 jobs, 16.3 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Washington County
How many businesses are in Washington County?
- Establishments, all industries1,065
- Employment at those establishments10,696
- Annual payroll$548.2 m
- Establishments per 1,000 residents17.6
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.
Washington County
Building permits in Washington County
- Housing units authorized by permit, 2024100
- Declared construction value permitted$23.2 m
- Single family units authorized100
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$231,538
- Units authorized per 1,000 households4.1
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.
Washington County
SBA loans in Washington County (7(a) and 504)
- 7(a) approvals recorded58
- 7(a) gross approval dollars$19.9 m
- Average 7(a) approval$343,079
- Median 7(a) approval$84,850
- 10th percentile approval$20,000
- 90th percentile approval$938,500
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)399
- Jobs per approval6.9
- Distinct 7(a) lenders active19
- Distinct industries receiving approvals45
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer10.3 percent
- Loans on real estate terms6
- Loans on working capital terms, 120 months or shorter48
- Franchise loans0
- Franchise share of approvals0.0 percent
- Most active lenderArrow Bank National Association (14)
- 504 approvals recorded10
- 504 gross approval dollars$6.6 m
- Average 504 approval$661,500
- Median 504 approval$304,500
- Distinct CDCs active2
- 504 jobs per approval4.6
- 504 jobs per million dollars approved7.0
- Most active CDCEmpire State Certified Development Corporation (9)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$26.5 m
The average approval of $343,079 sits well above the median of $84,850, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 10.3 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.
Washington County
SBA loan default and charge-off rates in Washington County
Do SBA loans in Washington County get paid back?
- Loans with a final outcome recorded10
- Paid in full10
- Charged off0
- Status: Paid in full10
- Status: Exempt from disclosure39
- Status: Committed, not yet disbursed5
- Status: Cancelled4
Only 10 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.
Washington County
SBA lending by place in Washington County
- Borrower cities with recorded lending14
- Greenwich, approvals10
- Whitehall, approvals8
- Fort Edward, approvals8
- Hudson Falls, approvals6
- Fort Ann, approvals5
- Salem, approvals4
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Greenwich | 10 | $6,583,500 |
| Whitehall | 8 | $5,024,000 |
| Fort Edward | 8 | $829,400 |
| Hudson Falls | 6 | $2,749,600 |
| Fort Ann | 5 | $784,700 |
| Salem | 4 | $606,900 |
| Argyle | 4 | $415,300 |
| Granville | 4 | $95,000 |
| 6 other borrower cities | 9 | $2,810,200 |
Greenwich accounts for 10 approvals against 8 in Whitehall. 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.
Washington County
How large is Washington County?
- Land area831 sq mi
- Rank by land area among New York counties23rd of 62
- Width, east to west19.7 mi
- Height, north to south59.9 mi
- Geographies sharing a boundary7
- Residents per square mile of land73
- Establishments per square mile1.28
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.
Washington County
Flood risk in Washington County
- Communities in the county in the NFIP Community Status Book26
- Of those, participating in the NFIP24
- NFIP participation rate92.3 percent
- Communities carrying a CRS class0
- Radon levels in Washington County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The EPA places Washington 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. 92.3 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 Washington 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 Washington County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202460,522
- Households24,469
- Average household size2.47
- Median household income$73,495
- Median age45.4
Common questions
Washington County questions, answered from the record.
How many people live in Washington County, New York?
The Census Bureau estimates 59,839 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 60,522, in 24,469 households, ranking 41st of 62 New York counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Washington County's population growing?
The population has fallen 2.39 percent since the 2020 census base of 61,302, to 59,839 on July 1, 2024. In 2024 there were 530 births against 734 deaths, with net migration of 14. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Washington County?
$73,495. The median owner-occupied home is valued at $196,200, which is 2.7 times income, and median gross rent is $1,033 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Washington County?
1,065 establishments, employing 10,696 people with an annual payroll of $548.2 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Washington County?
Manufacturing is the largest private sector at 2,426 jobs, 16.3 percent of covered employment. Covered employment averages 14,838 jobs at an average annual pay of $62,139, or $1,195 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Washington County?
58 7(a) approvals totaling $19.9 m since FY2020, across 19 lenders, with a median approval of $84,850, plus 10 504 approvals worth $6.6 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Washington County?
100 housing units were authorized by permit in 2024, with a declared construction value of $23.2 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Washington 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 Washington County come from?
The largest single origin is Saratoga County, with 384 households. Arriving households report an average income of $57,912 against $45,374 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Washington 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 Washington 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.
Washington County
Cities and places in Washington.
10 Census places lie wholly or partly in Washington County. All 10 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 |
|---|---|---|---|---|
| Hudson Falls | village | 7,395 | 6 | Wholly in this county |
| Fort Edward | village | 3,152 | 8 | Wholly in this county |
| Whitehall | village | 2,690 | 8 | Wholly in this county |
| Granville | village | 2,310 | 4 | Wholly in this county |
| Cambridge | village | 2,262 | 3 | Wholly in this county |
| Greenwich | village | 1,689 | 10 | Wholly in this county |
| Salem | CDP | 770 | 4 | Wholly in this county |
| North Granville | CDP | 531 | None recorded | Wholly in this county |
| Fort Ann | village | 436 | 5 | Wholly in this county |
| Argyle | village | 355 | 4 | Wholly in this county |
A further 6 of the county's 58 SBA 7(a) approvals are to borrowers in cities that match no Census place in Washington County, the largest being Kingsbury (2), Middle Granville (1), Hampton (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.