HomePennsylvaniaBradford County
Bradford County, Pennsylvania: commercial real estate data.
Bradford County, Pennsylvania had an estimated 59,699 residents on July 1, 2024, down 0.4 percent since the 2020 census base of 59,956, across 1,147 square miles. County output reached $6.80 bn in 2024, 1,334 establishments operate here, and the SBA record carries 51 7(a) approvals worth $12.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Bradford County
How many people live in Bradford County
- Population, American Community Survey 2020-202459,858
- Households24,610
- Average household size2.43
- Median household income$63,675
- Median age43.6
- Median gross rent$901 per month
- Median owner-occupied home value$187,500
- Home value to household income2.9 times
- Annual rent as a share of median income17.0 percent
- Adults 25 and over with a bachelor degree or higher20.6 percent
- Adults 25 and over with a graduate degree8.2 percent
- Adults 25 and over42,489
- Population under 1813,248
- Share under 1822.1 percent
- Population 65 and over13,413
- Share 65 and over22.4 percent
- Working age population, 18 to 6433,197
- Civilian labor force27,018
- Unemployment rate6.3 percent
- Labor force participation, adults 18 and over58.0 percent
- Rank by population among Pennsylvania counties42nd of 67
- Rank by population among US county-equivalents, Puerto Rico included897th of 3,222
Bradford County is the 42nd largest of 67 Pennsylvania counties by population. A median home costs 2.9 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 22.4 percent against 22.1 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.
Bradford County
Is Bradford County's population growing?
- Population, July 1, 202459,699
- Census 2020 base population59,956
- Population change since the 2020 census base-0.43 percent
- Population change, 2023 to 2024-1
- Births, 2024611
- Deaths, 2024721
- Natural change, 2024-110
- Net domestic migration, 2024-80
- Net international migration, 2024189
- Total net migration, 2024109
- Cumulative net domestic migration, 2021 to 202471
- Rank by growth among US county-equivalents1996th of 3,144
The county has lost 0.43 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.
Bradford County
Where are people moving to Bradford County from?
- Tax returns filed by households arriving1,043
- People arriving, from those returns1,904
- Tax returns filed by households leaving1,096
- Net household movement-53
- Adjusted gross income arriving$59.5 m
- Net adjusted gross income movement$-5.4 m
- Average income of an arriving household$57,088
- Average income of a leaving household$59,235
- Largest single originTioga County (113 households)
- Largest single destinationTioga County (122 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Tioga County | 113 | 200 | $4.9 m |
| Chemung County | 83 | 154 | $3.7 m |
| Tioga County | 74 | 151 | $3.1 m |
| Wyoming County | 46 | 90 | $2.1 m |
| Broome County | 31 | 59 | $2.2 m |
| Susquehanna County | 30 | 45 | $1.3 m |
| Sullivan County | 29 | 48 | $1.3 m |
| Lycoming County | 27 | 44 | $1.4 m |
Households arriving report $2,147 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Tioga 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.
Bradford County
What is the Bradford County economy?
- County GDP, 2024$6.80 bn
- County GDP, 2023$6.28 bn
- GDP change, 2023 to 20248.2 percent
- GDP change over five years106.8 percent
- Rank by GDP among the Pennsylvania areas BEA publishes27th of 67
- Rank by GDP among the US county areas BEA publishes597th of 3,127
- GDP per resident$113,570
Output grew 8.2 percent in the latest year and 106.8 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.
Bradford County
Employment by industry in Bradford County
- Covered employment, annual average22,333
- Establishments reporting1,525
- Average annual pay$60,112
- Average weekly wage$1,156
- Health care and social assistance, employment5,488
- Health care and social assistance, average annual pay$75,441
- Manufacturing, employment3,651
- Manufacturing, average annual pay$64,126
- Retail trade, employment2,497
- Retail trade, average annual pay$34,313
- Accommodation and food services, employment1,390
- Accommodation and food services, average annual pay$19,906
- Transportation and warehousing, employment1,253
- Management of companies and enterprises, employment682
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 5,488 | 223 | $75,441 |
| Manufacturing | 3,651 | 55 | $64,126 |
| Retail trade | 2,497 | 212 | $34,313 |
| Accommodation and food services | 1,390 | 118 | $19,906 |
| Transportation and warehousing | 1,253 | 108 | $66,780 |
| Management of companies and enterprises | 682 | 10 | $93,961 |
| Mining, quarrying, and oil and gas extraction | 670 | 36 | $93,772 |
| Construction | 653 | 112 | $62,175 |
Health care and social assistance is the largest private sector at 5,488 jobs, 24.6 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Bradford County
How many businesses are in Bradford County?
- Establishments, all industries1,334
- Employment at those establishments18,842
- Annual payroll$1.06 bn
- Establishments per 1,000 residents22.3
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.
Bradford County
Building permits in Bradford County
- Housing units authorized by permit, 202492
- Declared construction value permitted$25.5 m
- Single family units authorized77
- Multifamily units authorized15
- Multifamily share of units16.3 percent
- Average declared value per unit$276,965
- Units authorized per 1,000 households3.7
Single-family homes are 83.7 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Bradford County
SBA loans in Bradford County (7(a) and 504)
- 7(a) approvals recorded51
- 7(a) gross approval dollars$12.7 m
- Average 7(a) approval$249,761
- Median 7(a) approval$50,000
- 10th percentile approval$15,000
- 90th percentile approval$344,300
- Largest single approval$4,237,000
- Jobs reported supported, 7(a)262
- Jobs per approval5.1
- Distinct 7(a) lenders active13
- Distinct industries receiving approvals29
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer7.8 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter45
- Franchise loans4
- Franchise share of approvals7.8 percent
- Leading industry by approval countGeneral Freight Trucking, Local (11)
- Most active lenderManufacturers and Traders Trust Company (14)
- 504 approvals recorded9
- 504 gross approval dollars$8.5 m
- Average 504 approval$948,556
- Median 504 approval$533,000
- Distinct CDCs active4
- 504 jobs per approval11.4
- 504 jobs per million dollars approved12.1
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$21.3 m
The average approval of $249,761 sits well above the median of $50,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 7.8 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.
Bradford County
SBA loan default and charge-off rates in Bradford County
Do SBA loans in Bradford County get paid back?
- Loans with a final outcome recorded8
- Paid in full6
- Charged off2
- Status: Paid in full6
- Status: Cancelled8
- Status: Exempt from disclosure31
- Status: Committed, not yet disbursed4
- Status: Charged off2
Only 8 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.
Bradford County
SBA lending by place in Bradford County
- Borrower cities with recorded lending11
- Towanda, approvals12
- Wyalusing, approvals8
- Sayre, approvals7
- Athens, approvals6
- Canton, approvals6
- Troy, approvals4
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Towanda | 12 | $1,664,800 |
| Wyalusing | 8 | $405,200 |
| Sayre | 7 | $5,951,200 |
| Athens | 6 | $1,968,500 |
| Canton | 6 | $352,500 |
| Troy | 4 | $188,300 |
| Gillett | 3 | $1,966,300 |
| Sugar Run | 2 | $95,000 |
| 3 other borrower cities | 3 | $146,000 |
Towanda accounts for 12 approvals against 8 in Wyalusing. 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.
Bradford County
How large is Bradford County?
- Land area1,147 sq mi
- Rank by land area among Pennsylvania counties2nd of 67
- Width, east to west41.8 mi
- Height, north to south31.8 mi
- Geographies sharing a boundary7
- Residents per square mile of land52
- Establishments per square mile1.16
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.
Bradford County
Flood risk in Bradford County
- Communities in the county in the NFIP Community Status Book51
- Of those, participating in the NFIP50
- NFIP participation rate98.0 percent
- Communities carrying a CRS class0
- Radon levels in Bradford County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The EPA places Bradford 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. 98.0 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 Bradford 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 Bradford County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202459,858
- Households24,610
- Average household size2.43
- Median household income$63,675
- Median age43.6
Common questions
Bradford County questions, answered from the record.
How many people live in Bradford County, Pennsylvania?
The Census Bureau estimates 59,699 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 59,858, in 24,610 households, ranking 42nd of 67 Pennsylvania counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Bradford County's population growing?
The population has fallen 0.43 percent since the 2020 census base of 59,956, to 59,699 on July 1, 2024. In 2024 there were 611 births against 721 deaths, with net migration of 109. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Bradford County?
$63,675. The median owner-occupied home is valued at $187,500, which is 2.9 times income, and median gross rent is $901 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Bradford County?
1,334 establishments, employing 18,842 people with an annual payroll of $1.06 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Bradford County?
Health care and social assistance is the largest private sector at 5,488 jobs, 24.6 percent of covered employment. Covered employment averages 22,333 jobs at an average annual pay of $60,112, or $1,156 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Bradford County?
51 7(a) approvals totaling $12.7 m since FY2020, across 13 lenders, with a median approval of $50,000, plus 9 504 approvals worth $8.5 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Bradford County?
92 housing units were authorized by permit in 2024, with a declared construction value of $25.5 m. Multifamily was 16.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Bradford 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 Bradford County come from?
The largest single origin is Tioga County, with 113 households. Arriving households report an average income of $57,088 against $59,235 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Bradford 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 Bradford 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.
Bradford County
Cities and places in Bradford.
18 Census places lie wholly or partly in Bradford County. All 18 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 |
|---|---|---|---|---|
| Sayre | borough | 5,431 | 7 | Wholly in this county |
| Athens | borough | 3,243 | 6 | Wholly in this county |
| Towanda | borough | 2,791 | 12 | Wholly in this county |
| Canton | borough | 1,531 | 6 | Wholly in this county |
| Troy | borough | 1,408 | 4 | Wholly in this county |
| South Waverly | borough | 1,069 | None recorded | Wholly in this county |
| Wyalusing | borough | 653 | 8 | Wholly in this county |
| Monroe | borough | 621 | None recorded | Wholly in this county |
| Greens Landing | CDP | 593 | None recorded | Wholly in this county |
| North Towanda | CDP | 589 | None recorded | Wholly in this county |
| Rome | borough | 547 | 1 | Wholly in this county |
| New Albany | borough | 358 | None recorded | Wholly in this county |
| Ulster | CDP | 349 | None recorded | Wholly in this county |
| LeRaysville | borough | 293 | None recorded | Wholly in this county |
| Sylvania | borough | 237 | None recorded | Wholly in this county |
| East Smithfield | CDP | 208 | None recorded | Wholly in this county |
| Burlington | borough | 188 | None recorded | Wholly in this county |
| Alba | borough | 123 | None recorded | Wholly in this county |
A further 7 of the county's 51 SBA 7(a) approvals are to borrowers in cities that match no Census place in Bradford County, the largest being Gillett (3), Sugar Run (2), Columbia Cross Roads (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.