HomePennsylvaniaLycoming County
Lycoming County, Pennsylvania: commercial real estate data.
Lycoming County, Pennsylvania has a population of 113,489 across 1,229 square miles, down 0.8 percent since the 2020 census base. County output reached $7.70 bn in 2024, 2,744 establishments operate here, and the SBA record carries 91 7(a) approvals worth $43.4 m.
129 sourced county values · tier FULL · 12 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Lycoming County
How many people live in Lycoming County
- Population113,489
- Households46,861
- Average household size2.42
- Median household income$63,917
- Median age41.4
- Median gross rent$913 per month
- Median owner-occupied home value$202,200
- Home value to household income3.2 times
- Annual rent as a share of median income17.1 percent
- Adults 25 and over with a bachelor degree or higher24.8 percent
- Adults 25 and over with a graduate degree8.9 percent
- Adults 25 and over79,894
- Population under 1823,296
- Share under 1820.5 percent
- Population 65 and over23,375
- Share 65 and over20.6 percent
- Working age population, 18 to 6466,818
- Civilian labor force55,535
- Unemployment rate5.1 percent
- Labor force participation, adults 18 and over61.6 percent
- Rank by population among Pennsylvania counties29th of 67
- Rank by population among US county-equivalents552nd
Lycoming County is the 29th largest of 67 Pennsylvania counties by population. A median home costs 3.2 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 20.6 percent against 20.5 percent, which points demand at health care, services and single storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Lycoming County
Is Lycoming County's population growing?
- Population change since the 2020 census base-0.84 percent
- Census 2020 base population114,193
- Births, 20241,061
- Deaths, 20241,316
- Natural change, 2024-255
- Net domestic migration, 2024-52
- Net international migration, 2024261
- Total net migration, 2024209
- Cumulative net domestic migration, 2021 to 2024-110
- Rank by growth among US county-equivalents2139th
The county has lost 0.84 percent of its population since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Lycoming County
Where are people moving to Lycoming County from?
- Tax returns filed by households arriving1,895
- People arriving, from those returns3,120
- Adjusted gross income arriving$104.4 m
- Net adjusted gross income movement$0
- Average income of an arriving household$55,113
- Largest single originLycoming County Non-migrants (44,973 households)
- Largest single destination (44,973 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Lycoming County Non-migrants | 44,973 | 87,645 | $3.14 bn |
| Other flows - Different State | 637 | 1,140 | $42.1 m |
| Other flows - South | 310 | 548 | $19.4 m |
| Other flows - Same State | 258 | 367 | $15.2 m |
| Clinton County | 232 | 395 | $9.9 m |
| Other flows - Northeast | 173 | 289 | $12.6 m |
| Northumberland County | 142 | 235 | $7.2 m |
| Other flows - West | 93 | 184 | $5.9 m |
The largest single source of arrivals is Lycoming 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.
Lycoming County
What is the Lycoming County economy?
- County GDP, 2024$7.70 bn
- County GDP, 2023$7.56 bn
- GDP change, 2023 to 20241.8 percent
- GDP change over five years32.2 percent
- Rank by GDP among Pennsylvania counties26th
- Rank by GDP among US county-equivalents545th
- GDP per resident$67,834
Output grew 1.8 percent in the latest year and 32.2 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.
Lycoming County
Largest employers in Lycoming County
- Covered employment, annual average49,795
- Establishments reporting3,032
- Average annual pay$55,535
- Average weekly wage$1,068
- Sector 62, employment10,404
- Sector 62, average annual pay$63,509
- Sector 31-33, employment7,599
- Sector 31-33, average annual pay$70,543
- Sector 44-45, employment5,772
- Sector 44-45, average annual pay$33,231
- Sector 72, employment4,143
- Sector 72, average annual pay$20,047
- Sector 56, employment1,982
- Sector 81, employment1,927
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 10,404 | 504 | $63,509 |
| Sector 31-33 | 7,599 | 152 | $70,543 |
| Sector 44-45 | 5,772 | 399 | $33,231 |
| Sector 72 | 4,143 | 262 | $20,047 |
| Sector 56 | 1,982 | 135 | $38,240 |
| Sector 81 | 1,927 | 254 | $37,416 |
| Sector 42 | 1,857 | 152 | $60,649 |
| Sector 23 | 1,712 | 243 | $65,043 |
The largest sector is the biggest private employer group at 10,404 jobs, 20.9 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.
Lycoming County
How many businesses are in Lycoming County?
- Establishments, all industries2,744
- Employment at those establishments45,994
- Annual payroll$2.32 bn
- Establishments per 1,000 residents24.2
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.
Lycoming County
Building permits in Lycoming County
- Housing units authorised by permit, 202465
- Declared construction value permitted$20.0 m
- Single family units authorised63
- Multifamily units authorised2
- Multifamily share of units3.1 percent
- Average declared value per unit$308,130
- Units authorised per 1,000 households1.4
Multifamily is 3.1 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Lycoming County
SBA loans in Lycoming County (7(a) and 504)
- 7(a) approvals recorded91
- 7(a) gross approval dollars$43.4 m
- Average 7(a) approval$477,036
- Median 7(a) approval$150,000
- 10th percentile approval$25,000
- 90th percentile approval$1,190,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)861
- Jobs per approval9.5
- Distinct 7(a) lenders active19
- Distinct industries receiving approvals56
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer9.9 percent
- Loans on real estate terms9
- Loans on working capital terms, 120 months or shorter77
- Franchise loans5
- Franchise share of approvals5.5 percent
- Leading industry by approval countPlumbing, Heating, and Air-Conditioning Contractors (5)
- Most active lenderManufacturers and Traders Trust Company (32)
- 504 approvals recorded4
- 504 gross approval dollars$2.7 m
- Average 504 approval$684,500
- Median 504 approval$1,065,000
- Distinct CDCs active2
- 504 jobs per approval9.0
- 504 jobs per million dollars approved13.1
- Most active CDCSEDA-COG Local Development Corporation (3)
- 7(a) share of SBA approvals95.8 percent
- Combined SBA approval dollars$46.1 m
The average approval of $477,036 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 9.9 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.
Lycoming County
SBA loan default and charge-off rates in Lycoming County
Do SBA loans in Lycoming County get paid back?
- Loans with a final outcome recorded17
- Paid in full15
- Charged off2
- Charge off rate on resolved loans11.8 percent
- Status: Paid in full15
- Status: Cancelled19
- Status: Exempt from disclosure52
- Status: Charged off2
- Status: Committed, not yet disbursed3
Of the 17 loans that have reached a final outcome, 11.8 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.
Lycoming County
SBA lending by place in Lycoming County
- Places in the county with recorded lending12
- Williamsport, approvals39
- Jersey Shore, approvals15
- MUNCY, approvals13
- Montoursville, approvals8
- Cogan Station, approvals4
- MONTGOMERY, approvals3
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Williamsport | 39 | $14,448,700 |
| Jersey Shore | 15 | $6,766,600 |
| MUNCY | 13 | $5,896,000 |
| Montoursville | 8 | $5,126,100 |
| Cogan Station | 4 | $1,497,900 |
| MONTGOMERY | 3 | $305,000 |
| Linden | 2 | $450,000 |
| MUNCY VALLEY | 2 | $1,630,000 |
Williamsport accounts for 39 approvals against 15 in Jersey Shore. 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.
Lycoming County
How large is Lycoming County?
- Land area1,229 sq mi
- Rank by land area among Pennsylvania counties1st of 67
- Width, east to west59.9 mi
- Height, north to south36.5 mi
- Geographies sharing a boundary9
- Residents per square mile of land92
- Establishments per square mile2.23
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.
Lycoming County
Flood risk in Lycoming County
- Communities in the NFIP Community Status Book52
- Of those, participating in the NFIP52
- 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 8
- Communities carrying a CRS class2
- Radon levels in Lycoming County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The EPA places Lycoming 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. The best Community Rating System class in Lycoming County is 8, 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 Lycoming 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 Lycoming County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population113,489
- Households46,861
- Average household size2.42
- Median household income$63,917
- Median age41.4
Common questions
Lycoming County questions, answered from the record.
How many people live in Lycoming County, Pennsylvania?
113,489, in 46,861 households, ranking 29th of 67 Pennsylvania counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Lycoming County's population growing?
The population has fallen 0.84 percent since the 2020 census base. In 2024 there were 1,061 births against 1,316 deaths, with net migration of 209. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Lycoming County?
$63,917. The median owner-occupied home is valued at $202,200, which is 3.2 times income, and median gross rent is $913 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Lycoming County?
2,744 establishments, employing 45,994 people with an annual payroll of $2.32 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 Lycoming County?
Average annual pay is $55,535, or $1,068 a week, across 49,795 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Lycoming County?
91 7(a) approvals totalling $43.4 m since FY2020, across 19 lenders, with a median approval of $150,000, plus 4 504 approvals worth $2.7 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Lycoming County get paid back?
Of the 17 loans that have reached a final outcome, 15 were paid in full and 2 charged off, a charge off rate of 11.8 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Lycoming County?
65 housing units were authorised by permit in 2024, with a declared construction value of $20.0 m. Multifamily was 3.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Lycoming 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 Lycoming County come from?
The largest single origin is Lycoming County Non-migrants, with 44,973 households. Arriving households report an average income of $55,113 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 Lycoming 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 Lycoming 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.
Lycoming County
Cities and places in Lycoming.
15 Census places lie wholly or partly in Lycoming County. 15 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 |
|---|---|---|---|---|
| Williamsport | city | 27,612 | 39 | Wholly in this county |
| South Williamsport | borough | 6,211 | None recorded | Wholly in this county |
| Kenmar | CDP | 5,077 | None recorded | Wholly in this county |
| Montoursville | borough | 4,706 | 8 | Wholly in this county |
| Jersey Shore | borough | 4,121 | 22 | Wholly in this county |
| Muncy | borough | 2,720 | 13 | Wholly in this county |
| Garden View | CDP | 2,637 | None recorded | Wholly in this county |
| Hughesville | borough | 2,274 | 1 | Wholly in this county |
| Montgomery | borough | 1,564 | 3 | Wholly in this county |
| Duboistown | borough | 1,403 | None recorded | Wholly in this county |
| Faxon | CDP | 727 | None recorded | Wholly in this county |
| Picture Rocks | borough | 716 | None recorded | Wholly in this county |
| Rauchtown | CDP | 586 | None recorded | 6.3 percent here, 93.7 percent Clinton County |
| Oval | CDP | 478 | None recorded | Wholly in this county |
| Salladasburg | borough | 223 | None recorded | Wholly in this county |
A further 10 SBA approvals in Lycoming County are recorded against borrower cities that match no Census place, the largest being Cogan Station, Linden, Muncy Valley. 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.