HomePennsylvaniaMcKean County
McKean County, Pennsylvania: commercial real estate data.
McKean County, Pennsylvania had an estimated 39,478 residents on July 1, 2024, down 2.4 percent since the 2020 census base of 40,435, across 979 square miles. County output reached $2.21 bn in 2024, 933 establishments operate here, and the SBA record carries 26 7(a) approvals worth $5.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
McKean County
How many people live in McKean County
- Population, American Community Survey 2020-202439,904
- Households16,369
- Average household size2.44
- Median household income$62,905
- Median age44.0
- Median gross rent$809 per month
- Median owner-occupied home value$104,500
- Home value to household income1.7 times
- Annual rent as a share of median income15.4 percent
- Adults 25 and over with a bachelor degree or higher20.8 percent
- Adults 25 and over with a graduate degree7.8 percent
- Adults 25 and over28,513
- Population under 187,724
- Share under 1819.4 percent
- Population 65 and over8,390
- Share 65 and over21.0 percent
- Working age population, 18 to 6423,790
- Civilian labor force18,143
- Unemployment rate4.9 percent
- Labor force participation, adults 18 and over56.4 percent
- Rank by population among Pennsylvania counties52nd of 67
- Rank by population among US county-equivalents, Puerto Rico included1207th of 3,222
McKean County is the 52nd largest of 67 Pennsylvania counties by population. A median home costs 1.7 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 21.0 percent against 19.4 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.
McKean County
Is McKean County's population growing?
- Population, July 1, 202439,478
- Census 2020 base population40,435
- Population change since the 2020 census base-2.37 percent
- Population change, 2023 to 2024-44
- Births, 2024339
- Deaths, 2024539
- Natural change, 2024-200
- Net domestic migration, 2024106
- Net international migration, 202450
- Total net migration, 2024156
- Cumulative net domestic migration, 2021 to 2024-17
- Rank by growth among US county-equivalents2590th of 3,144
The county has lost 2.37 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.
McKean County
Where are people moving to McKean County from?
- Tax returns filed by households arriving566
- People arriving, from those returns950
- Tax returns filed by households leaving647
- Net household movement-81
- Adjusted gross income arriving$27.6 m
- Net adjusted gross income movement$-4.7 m
- Average income of an arriving household$48,730
- Average income of a leaving household$49,889
- Largest single originCattaraugus County (73 households)
- Largest single destinationCattaraugus County (65 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Cattaraugus County | 73 | 144 | $3.3 m |
| Potter County | 45 | 82 | $2.0 m |
| Elk County | 39 | 55 | $1.6 m |
| Warren County | 22 | 37 | $933,000 |
| Erie County | 20 | 28 | $619,000 |
Households arriving report $1,159 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Cattaraugus 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.
McKean County
What is the McKean County economy?
- County GDP, 2024$2.21 bn
- County GDP, 2023$2.35 bn
- GDP change, 2023 to 2024-5.7 percent
- GDP change over five years51.4 percent
- Rank by GDP among the Pennsylvania areas BEA publishes48th of 67
- Rank by GDP among the US county areas BEA publishes1197th of 3,127
- GDP per resident$55,445
Output grew -5.7 percent in the latest year and 51.4 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.
McKean County
Employment by industry in McKean County
- Covered employment, annual average13,930
- Establishments reporting1,061
- Average annual pay$50,225
- Average weekly wage$966
- Manufacturing, employment2,884
- Manufacturing, average annual pay$66,297
- Health care and social assistance, employment2,316
- Health care and social assistance, average annual pay$48,573
- Retail trade, employment1,585
- Retail trade, average annual pay$33,457
- Accommodation and food services, employment1,098
- Accommodation and food services, average annual pay$17,373
- Construction, employment562
- Transportation and warehousing, employment470
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 2,884 | 55 | $66,297 |
| Health care and social assistance | 2,316 | 215 | $48,573 |
| Retail trade | 1,585 | 134 | $33,457 |
| Accommodation and food services | 1,098 | 97 | $17,373 |
| Construction | 562 | 74 | $59,077 |
| Transportation and warehousing | 470 | 36 | $45,328 |
| Other services, except public administration | 455 | 95 | $21,966 |
| Administrative and support and waste management services | 452 | 25 | $27,823 |
Manufacturing is the largest private sector at 2,884 jobs, 20.7 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
McKean County
How many businesses are in McKean County?
- Establishments, all industries933
- Employment at those establishments12,412
- Annual payroll$567.1 m
- Establishments per 1,000 residents23.4
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.
McKean County
Building permits in McKean County
- Housing units authorized by permit, 202427
- Declared construction value permitted$9.1 m
- Single family units authorized27
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$337,657
- Units authorized per 1,000 households1.6
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.
McKean County
SBA loans in McKean County (7(a) and 504)
- 7(a) approvals recorded26
- 7(a) gross approval dollars$5.6 m
- Average 7(a) approval$214,723
- Median 7(a) approval$98,000
- 10th percentile approval$20,000
- 90th percentile approval$525,000
- Largest single approval$1,647,000
- Jobs reported supported, 7(a)127
- Jobs per approval4.9
- Distinct 7(a) lenders active2
- Distinct industries receiving approvals15
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer11.5 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter18
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countFull-Service Restaurants (4)
- Most active lenderNorthwest Bank (21)
The average approval of $214,723 sits well above the median of $98,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 11.5 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.
McKean County
SBA loan default and charge-off rates in McKean County
Do SBA loans in McKean County get paid back?
- Loans with a final outcome recorded5
- Paid in full5
- Charged off0
- Status: Paid in full5
- Status: Exempt from disclosure19
- Status: Cancelled2
Only 5 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.
McKean County
SBA lending by place in McKean County
- Borrower cities with recorded lending4
- Bradford, approvals13
- Kane, approvals5
- Port Allegany, approvals5
- Lewis Run, approvals3
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Bradford | 13 | $1,916,900 |
| Kane | 5 | $2,407,000 |
| Port Allegany | 5 | $1,006,900 |
| Lewis Run | 3 | $252,000 |
Bradford accounts for 13 approvals against 5 in Kane. 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.
McKean County
How large is McKean County?
- Land area979 sq mi
- Rank by land area among Pennsylvania counties11th of 67
- Width, east to west38.8 mi
- Height, north to south27.5 mi
- Geographies sharing a boundary6
- Residents per square mile of land41
- Establishments per square mile0.95
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.
McKean County
Flood risk in McKean County
- Communities in the county in the NFIP Community Status Book21
- Of those, participating in the NFIP21
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in McKean County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The EPA places McKean County in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 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 McKean 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 McKean County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202439,904
- Households16,369
- Average household size2.44
- Median household income$62,905
- Median age44.0
Common questions
McKean County questions, answered from the record.
How many people live in McKean County, Pennsylvania?
The Census Bureau estimates 39,478 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 39,904, in 16,369 households, ranking 52nd of 67 Pennsylvania counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is McKean County's population growing?
The population has fallen 2.37 percent since the 2020 census base of 40,435, to 39,478 on July 1, 2024. In 2024 there were 339 births against 539 deaths, with net migration of 156. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in McKean County?
$62,905. The median owner-occupied home is valued at $104,500, which is 1.7 times income, and median gross rent is $809 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in McKean County?
933 establishments, employing 12,412 people with an annual payroll of $567.1 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 McKean County?
Manufacturing is the largest private sector at 2,884 jobs, 20.7 percent of covered employment. Covered employment averages 13,930 jobs at an average annual pay of $50,225, or $966 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in McKean County?
26 7(a) approvals totaling $5.6 m since FY2020, across 2 lenders, with a median approval of $98,000. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in McKean County?
27 housing units were authorized by permit in 2024, with a declared construction value of $9.1 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for McKean County?
Zone 2, a predicted average indoor radon screening level from 2 to 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 McKean County come from?
The largest single origin is Cattaraugus County, with 73 households. Arriving households report an average income of $48,730 against $49,889 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for McKean 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 McKean 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.
McKean County
Cities and places in McKean.
10 Census places lie wholly or partly in McKean 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 |
|---|---|---|---|---|
| Bradford | city | 7,683 | 13 | Wholly in this county |
| Kane | borough | 3,537 | 5 | Wholly in this county |
| Port Allegany | borough | 2,356 | 5 | Wholly in this county |
| Smethport | borough | 1,462 | None recorded | Wholly in this county |
| University of Pittsburgh Bradford | CDP | 974 | None recorded | Wholly in this county |
| Foster Brook | CDP | 942 | None recorded | Wholly in this county |
| Mount Jewett | borough | 674 | None recorded | Wholly in this county |
| Lewis Run | borough | 570 | 3 | Wholly in this county |
| Eldred | borough | 566 | None recorded | Wholly in this county |
| Rew | CDP | 200 | None recorded | Wholly in this county |