HomePennsylvaniaLycoming County
Lycoming County, Pennsylvania: commercial real estate data.
Lycoming County, Pennsylvania had an estimated 113,236 residents on July 1, 2024, down 0.8 percent since the 2020 census base of 114,193, across 1,229 square miles. 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 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Lycoming County
How many people live in Lycoming County
- Population, American Community Survey 2020-2024113,489
- 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-equivalents, Puerto Rico included552nd of 3,222
Lycoming County is the 29th largest of 67 Pennsylvania counties by population. A median home costs 3.2 times median household income, which is moderately unaffordable 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 story 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, July 1, 2024113,236
- Census 2020 base population114,193
- Population change since the 2020 census base-0.84 percent
- Population change, 2023 to 2024-46
- 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 of 3,144
The county has lost 0.84 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.
Lycoming County
Where are people moving to Lycoming County from?
- Tax returns filed by households arriving1,895
- People arriving, from those returns3,120
- Tax returns filed by households leaving1,871
- Net household movement24
- Adjusted gross income arriving$104.4 m
- Net adjusted gross income movement$-48.0 m
- Average income of an arriving household$55,113
- Average income of a leaving household$81,497
- Largest single originClinton County (232 households)
- Largest single destinationClinton County (200 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Clinton County | 232 | 395 | $9.9 m |
| Northumberland County | 142 | 235 | $7.2 m |
| Columbia County | 65 | 93 | $2.6 m |
| Philadelphia County | 64 | 114 | $2.7 m |
| Tioga County | 54 | 84 | $2.8 m |
| Union County | 54 | 103 | $2.7 m |
| Centre County | 49 | 72 | $2.2 m |
| Luzerne County | 41 | 57 | $1.7 m |
Households arriving report $26,384 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Clinton 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.
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 the Pennsylvania areas BEA publishes26th of 67
- Rank by GDP among the US county areas BEA publishes545th of 3,127
- 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
Employment by industry in Lycoming County
- Covered employment, annual average49,795
- Establishments reporting3,032
- Average annual pay$55,535
- Average weekly wage$1,068
- Health care and social assistance, employment10,404
- Health care and social assistance, average annual pay$63,509
- Manufacturing, employment7,599
- Manufacturing, average annual pay$70,543
- Retail trade, employment5,772
- Retail trade, average annual pay$33,231
- Accommodation and food services, employment4,143
- Accommodation and food services, average annual pay$20,047
- Administrative and support and waste management services, employment1,982
- Other services, except public administration, employment1,927
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 10,404 | 504 | $63,509 |
| Manufacturing | 7,599 | 152 | $70,543 |
| Retail trade | 5,772 | 399 | $33,231 |
| Accommodation and food services | 4,143 | 262 | $20,047 |
| Administrative and support and waste management services | 1,982 | 135 | $38,240 |
| Other services, except public administration | 1,927 | 254 | $37,416 |
| Wholesale trade | 1,857 | 152 | $60,649 |
| Construction | 1,712 | 243 | $65,043 |
Health care and social assistance is the largest private sector at 10,404 jobs, 20.9 percent of covered employment.
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. 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.
Lycoming County
Building permits in Lycoming County
- Housing units authorized by permit, 202465
- Declared construction value permitted$20.0 m
- Single family units authorized63
- Multifamily units authorized2
- Multifamily share of units3.1 percent
- Average declared value per unit$308,130
- Units authorized per 1,000 households1.4
Single-family homes are 96.9 percent of units authorized, so the pipeline is predominantly single-family.
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
- 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$604,000
- Distinct CDCs active2
- 504 jobs per approval9.0
- 504 jobs per million dollars approved13.1
- Most active CDCSEDA-COG Local Development Corporation (3)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$46.1 m
The average approval of $477,036 sits well above the median of $150,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here 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
- Status: Paid in full15
- Status: Cancelled19
- Status: Exempt from disclosure52
- Status: Charged off2
- Status: Committed, not yet disbursed3
Only 17 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.
Lycoming County
SBA lending by place in Lycoming County
- Borrower cities with recorded lending12
- Williamsport, approvals39
- Jersey Shore, approvals15
- Muncy, approvals13
- Montoursville, approvals8
- Cogan Station, approvals4
- Montgomery, approvals3
| Borrower city | 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 |
| Pennsdale | 2 | $1,690,000 |
| Muncy Valley | 2 | $1,630,000 |
| 4 other borrower cities | 5 | $6,050,000 |
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 county 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 among the county's communities 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 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 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.
- Population, American Community Survey 2020-2024113,489
- 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?
The Census Bureau estimates 113,236 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 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 of 114,193, to 113,236 on July 1, 2024. 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 employment by industry in Lycoming County?
Health care and social assistance is the largest private sector at 10,404 jobs, 20.9 percent of covered employment. Covered employment averages 49,795 jobs at an average annual pay of $55,535, or $1,068 a week. 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 totaling $43.4 m since FY2020, across 19 lenders, with a median approval of $150,000, plus 4 504 approvals worth $2.7 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Lycoming County?
65 housing units were authorized 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 Clinton County, with 232 households. Arriving households report an average income of $55,113 against $81,497 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?
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.
Lycoming County
Cities and places in Lycoming.
15 Census places lie wholly or partly in Lycoming County. All 15 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 |
|---|---|---|---|---|
| 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 | 15 | 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 12 of the county's 91 SBA 7(a) approvals are to borrowers in cities that match no Census place in Lycoming County, the largest being Cogan Station (4), Pennsdale (2), Muncy Valley (2). 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.