HomeNew YorkWestchester County
Westchester County, New York: commercial real estate data.
Westchester County, New York has a population of 999,677 across 430 square miles, up 0.2 percent since the 2020 census base. County output reached $120.15 bn in 2024, 31,174 establishments operate here, and the SBA record carries 1,172 7(a) approvals worth $437.6 m.
129 sourced county values · tier FULL · 12 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Westchester County
How many people live in Westchester County
- Population999,677
- Households372,883
- Average household size2.68
- Median household income$118,976
- Median age41.8
- Median gross rent$1,951 per month
- Median owner-occupied home value$663,200
- Home value to household income5.6 times
- Annual rent as a share of median income19.7 percent
- Adults 25 and over with a bachelor degree or higher53.1 percent
- Adults 25 and over with a graduate degree26.7 percent
- Adults 25 and over701,750
- Population under 18212,470
- Share under 1821.3 percent
- Population 65 and over181,529
- Share 65 and over18.2 percent
- Working age population, 18 to 64605,678
- Civilian labor force529,476
- Unemployment rate6.1 percent
- Labor force participation, adults 18 and over67.3 percent
- Rank by population among New York counties7th of 62
- Rank by population among US county-equivalents49th
Westchester County is the 7th largest of 62 New York counties by population. A median home costs 5.6 times median household income, which is a stretched ownership market and usually shows up as rental demand. Residents under 18 outnumber those 65 and over, at 21.3 percent against 18.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Westchester County
Is Westchester County's population growing?
- Population change since the 2020 census base0.20 percent
- Census 2020 base population1,004,465
- Births, 202410,275
- Deaths, 20247,073
- Natural change, 20243,202
- Net domestic migration, 2024-4,158
- Net international migration, 202410,427
- Total net migration, 20246,269
- Cumulative net domestic migration, 2021 to 2024-32,013
- Rank by growth among US county-equivalents1758th
The county has grown 0.20 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Westchester County
Where are people moving to Westchester County from?
- Tax returns filed by households arriving22,060
- People arriving, from those returns37,256
- Adjusted gross income arriving$3.75 bn
- Net adjusted gross income movement$0
- Average income of an arriving household$169,980
- Largest single originWestchester County Non-migrants (392,682 households)
- Largest single destination (392,682 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Westchester County Non-migrants | 392,682 | 775,007 | $87.49 bn |
| Bronx County | 5,514 | 9,620 | $407.2 m |
| New York County | 3,070 | 5,591 | $1.07 bn |
| Other flows - Different State | 2,173 | 3,488 | $294.8 m |
| Kings County | 1,501 | 2,787 | $330.3 m |
| Queens County | 1,489 | 2,600 | $189.9 m |
| Other flows - South | 1,005 | 1,626 | $105.5 m |
| Western Connecticut Planning Regi | 951 | 1,502 | $153.7 m |
The largest single source of arrivals is Westchester County Non-migrants, 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.
Westchester County
What is the Westchester County economy?
- County GDP, 2024$120.15 bn
- County GDP, 2023$112.38 bn
- GDP change, 2023 to 20246.9 percent
- GDP change over five years29.0 percent
- Rank by GDP among New York counties6th
- Rank by GDP among US county-equivalents48th
- GDP per resident$120,193
Output grew 6.9 percent in the latest year and 29.0 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.
Westchester County
Largest employers in Westchester County
- Covered employment, annual average429,582
- Establishments reporting37,722
- Average annual pay$94,317
- Average weekly wage$1,814
- Sector 62, employment79,035
- Sector 62, average annual pay$79,978
- Sector 44-45, employment46,181
- Sector 44-45, average annual pay$50,418
- Sector 54, employment30,735
- Sector 54, average annual pay$192,645
- Sector 72, employment29,908
- Sector 72, average annual pay$36,542
- Sector 23, employment27,907
- Sector 56, employment22,917
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 79,035 | 3,442 | $79,978 |
| Sector 44-45 | 46,181 | 3,239 | $50,418 |
| Sector 54 | 30,735 | 4,564 | $192,645 |
| Sector 72 | 29,908 | 2,550 | $36,542 |
| Sector 23 | 27,907 | 3,849 | $89,949 |
| Sector 56 | 22,917 | 2,496 | $60,104 |
| Sector 81 | 19,489 | 4,830 | $50,004 |
| Sector 52 | 16,887 | 1,696 | $225,873 |
The largest sector is the biggest private employer group at 79,035 jobs, 18.4 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Westchester County
How many businesses are in Westchester County?
- Establishments, all industries31,174
- Employment at those establishments389,560
- Annual payroll$33.17 bn
- Establishments per 1,000 residents31.2
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Westchester County
Building permits in Westchester County
- Housing units authorised by permit, 20241,592
- Declared construction value permitted$507.0 m
- Single family units authorised268
- Multifamily units authorised1,324
- Multifamily share of units83.2 percent
- Average declared value per unit$318,469
- Units authorised per 1,000 households4.3
Multifamily is 83.2 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Westchester County
SBA loans in Westchester County (7(a) and 504)
- 7(a) approvals recorded1,172
- 7(a) gross approval dollars$437.6 m
- Average 7(a) approval$373,403
- Median 7(a) approval$150,000
- 10th percentile approval$25,000
- 90th percentile approval$990,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)9,602
- Jobs per approval8.2
- Distinct 7(a) lenders active103
- Distinct industries receiving approvals272
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer7.3 percent
- Loans on real estate terms86
- Loans on working capital terms, 120 months or shorter1,045
- Franchise loans89
- Franchise share of approvals7.6 percent
- Leading industry by approval countFull-Service Restaurants (56)
- Most active lenderTD Bank, National Association (182)
- 504 approvals recorded190
- 504 gross approval dollars$153.0 m
- Average 504 approval$805,226
- Median 504 approval$521,000
- Distinct CDCs active4
- 504 jobs per approval7.8
- 504 jobs per million dollars approved9.7
- Most active CDCEmpire State Certified Development Corporation (163)
- 7(a) share of SBA approvals86.0 percent
- Combined SBA approval dollars$590.6 m
The average approval of $373,403 sits well above the median of $150,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 7.3 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.
Westchester County
SBA loan default and charge-off rates in Westchester County
Do SBA loans in Westchester County get paid back?
- Loans with a final outcome recorded168
- Paid in full139
- Charged off29
- Charge off rate on resolved loans17.3 percent
- Status: Exempt from disclosure729
- Status: Paid in full139
- Status: Cancelled171
- Status: Charged off29
- Status: Committed, not yet disbursed104
Of the 168 loans that have reached a final outcome, 17.3 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
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.
Westchester County
SBA lending by place in Westchester County
- Places in the county with recorded lending66
- YONKERS, approvals167
- White Plains, approvals116
- NEW ROCHELLE, approvals95
- MOUNT VERNON, approvals61
- Port Chester, approvals49
- MAMARONECK, approvals43
| Place | Approvals | Gross approval dollars |
|---|---|---|
| YONKERS | 167 | $45,003,500 |
| White Plains | 116 | $44,954,000 |
| NEW ROCHELLE | 95 | $27,488,400 |
| MOUNT VERNON | 61 | $21,979,400 |
| Port Chester | 49 | $24,453,200 |
| MAMARONECK | 43 | $17,028,800 |
| Scarsdale | 42 | $15,064,600 |
| ELMSFORD | 42 | $28,026,900 |
YONKERS accounts for 167 approvals against 116 in White Plains. 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.
Westchester County
How large is Westchester County?
- Land area430 sq mi
- Rank by land area among New York counties47th of 62
- Width, east to west26.1 mi
- Height, north to south33.6 mi
- Geographies sharing a boundary3
- Residents per square mile of land2,325
- Establishments per square mile72.50
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.
Westchester County
Flood risk in Westchester County
- Communities in the NFIP Community Status Book43
- Of those, participating in the NFIP43
- 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 7
- Communities carrying a CRS class3
- Radon levels in Westchester County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The EPA places Westchester County in radon zone 3, a predicted average indoor radon screening level less than 2 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 in Westchester County is 7, 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 FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
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.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Westchester 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 Westchester County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population999,677
- Households372,883
- Average household size2.68
- Median household income$118,976
- Median age41.8
Common questions
Westchester County questions, answered from the record.
How many people live in Westchester County, New York?
999,677, in 372,883 households, ranking 7th of 62 New York counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Westchester County's population growing?
The population has grown 0.20 percent since the 2020 census base. In 2024 there were 10,275 births against 7,073 deaths, with net migration of 6,269. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Westchester County?
$118,976. The median owner-occupied home is valued at $663,200, which is 5.6 times income, and median gross rent is $1,951 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Westchester County?
31,174 establishments, employing 389,560 people with an annual payroll of $33.17 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Westchester County?
Average annual pay is $94,317, or $1,814 a week, across 429,582 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Westchester County?
1,172 7(a) approvals totalling $437.6 m since FY2020, across 103 lenders, with a median approval of $150,000, plus 190 504 approvals worth $153.0 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Westchester County get paid back?
Of the 168 loans that have reached a final outcome, 139 were paid in full and 29 charged off, a charge off rate of 17.3 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Westchester County?
1,592 housing units were authorised by permit in 2024, with a declared construction value of $507.0 m. Multifamily was 83.2 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Westchester County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Westchester County come from?
The largest single origin is Westchester County Non-migrants, with 392,682 households. Arriving households report an average income of $169,980 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Westchester 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 Westchester County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.
Westchester County
Cities and places in Westchester.
56 Census places lie wholly or partly in Westchester County. 56 carry enough published place level data for a page of their own and are linked. The rest are named here and not linked, because the American Community Survey and the SBA record between them do not carry enough about them to write an honest page. A place existing is itself worth knowing, so nothing in the county is left out.
| Place | Type | Population | SBA approvals | Lies in |
|---|---|---|---|---|
| Yonkers | city | 209,978 | 168 | Wholly in this county |
| New Rochelle | city | 82,769 | 95 | Wholly in this county |
| Mount Vernon | city | 72,427 | 64 | Wholly in this county |
| White Plains | city | 60,666 | 116 | Wholly in this county |
| Port Chester | village | 31,102 | 49 | Wholly in this county |
| Harrison | village | 29,961 | 16 | Wholly in this county |
| Ossining | village | 26,950 | 23 | Wholly in this county |
| Peekskill | city | 25,625 | 34 | Wholly in this county |
| Eastchester | CDP | 20,491 | 9 | Wholly in this county |
| Mamaroneck | village | 19,826 | 43 | Wholly in this county |
| Scarsdale | village | 18,010 | 42 | Wholly in this county |
| Rye | city | 16,428 | 32 | Wholly in this county |
| Jefferson Valley-Yorktown | CDP | 14,154 | None recorded | Wholly in this county |
| Tarrytown | village | 11,784 | 22 | Wholly in this county |
| Dobbs Ferry | village | 11,443 | 10 | Wholly in this county |
| Sleepy Hollow | village | 10,887 | 6 | Wholly in this county |
| Mount Kisco | village | 10,737 | 30 | Wholly in this county |
| Rye Brook | village | 9,900 | 13 | Wholly in this county |
| Greenville | CDP | 9,280 | None recorded | Wholly in this county |
| Hastings-on-Hudson | village | 8,434 | 10 | Wholly in this county |
| Croton-on-Hudson | village | 8,202 | 10 | Wholly in this county |
| Briarcliff Manor | village | 7,519 | 11 | Wholly in this county |
| Pleasantville | village | 7,371 | 8 | Wholly in this county |
| Pelham | village | 7,305 | 20 | Wholly in this county |
| Tuckahoe | village | 6,973 | 7 | Wholly in this county |
| Larchmont | village | 6,567 | 18 | Wholly in this county |
| Irvington | village | 6,531 | 5 | Wholly in this county |
| Bronxville | village | 6,510 | 22 | Wholly in this county |
| Pelham Manor | village | 5,644 | None recorded | Wholly in this county |
| Lake Mohegan | CDP | 5,468 | None recorded | Wholly in this county |
| Elmsford | village | 5,186 | 42 | Wholly in this county |
| Ardsley | village | 4,998 | 13 | Wholly in this county |
| Hawthorne | CDP | 4,878 | 15 | Wholly in this county |
| Armonk | CDP | 4,429 | 11 | Wholly in this county |
| Thornwood | CDP | 4,140 | 16 | Wholly in this county |
| Heritage Hills | CDP | 4,094 | None recorded | Wholly in this county |
| Montrose | CDP | 3,717 | 3 | Wholly in this county |
| Chappaqua | CDP | 3,046 | 13 | Wholly in this county |
| Fairview | CDP | 3,034 | None recorded | Wholly in this county |
| Valhalla | CDP | 2,937 | 8 | Wholly in this county |
| Hartsdale | CDP | 2,903 | 14 | Wholly in this county |
| Shrub Oak | CDP | 2,498 | 2 | Wholly in this county |
| Bedford Hills | CDP | 2,488 | 14 | Wholly in this county |
| Crompond | CDP | 2,418 | None recorded | Wholly in this county |
| Buchanan | village | 2,397 | 3 | Wholly in this county |
| Katonah | CDP | 2,176 | 12 | Wholly in this county |
| Yorktown Heights | CDP | 1,966 | 24 | Wholly in this county |
| Bedford | CDP | 1,874 | 5 | Wholly in this county |
| Golden's Bridge | CDP | 1,815 | 3 | Wholly in this county |
| Crugers | CDP | 1,634 | None recorded | Wholly in this county |
| Shenorock | CDP | 1,558 | 1 | Wholly in this county |
| Lincolndale | CDP | 1,323 | None recorded | Wholly in this county |
| Millwood | CDP | 1,083 | 1 | Wholly in this county |
| Peach Lake | CDP | 1,038 | None recorded | 19.2 percent here, 80.8 percent Putnam County |
| Scotts Corners | CDP | 719 | None recorded | Wholly in this county |
| Verplanck | CDP | 650 | 1 | Wholly in this county |
A further 819 SBA approvals in Westchester County are recorded against borrower cities that match no Census place, the largest being Bronx, Cortlandt Manor, South Salem. Those are postal cities and unincorporated areas rather than incorporated places, so no page claims them, and their lending is counted in this county's totals above rather than under any city.