HomePennsylvaniaMonroe County
Monroe County, Pennsylvania: commercial real estate data.
Monroe County, Pennsylvania had an estimated 166,523 residents on July 1, 2024, down 1.1 percent since the 2020 census base of 168,315, across 608 square miles. County output reached $9.56 bn in 2024, 3,527 establishments operate here, and the SBA record carries 110 7(a) approvals worth $61.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Monroe County
How many people live in Monroe County
- Population, American Community Survey 2020-2024167,515
- Households61,212
- Average household size2.74
- Median household income$83,565
- Median age44.1
- Median gross rent$1,393 per month
- Median owner-occupied home value$267,600
- Home value to household income3.2 times
- Annual rent as a share of median income20.0 percent
- Adults 25 and over with a bachelor degree or higher27.4 percent
- Adults 25 and over with a graduate degree10.4 percent
- Adults 25 and over120,121
- Population under 1832,041
- Share under 1819.1 percent
- Population 65 and over32,781
- Share 65 and over19.6 percent
- Working age population, 18 to 64102,693
- Civilian labor force84,281
- Unemployment rate6.9 percent
- Labor force participation, adults 18 and over62.2 percent
- Rank by population among Pennsylvania counties20th of 67
- Rank by population among US county-equivalents, Puerto Rico included411th of 3,222
Monroe County is the 20th 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 19.6 percent against 19.1 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.
Monroe County
Is Monroe County's population growing?
- Population, July 1, 2024166,523
- Census 2020 base population168,315
- Population change since the 2020 census base-1.06 percent
- Population change, 2023 to 2024-58
- Births, 20241,355
- Deaths, 20241,727
- Natural change, 2024-372
- Net domestic migration, 2024-75
- Net international migration, 2024398
- Total net migration, 2024323
- Cumulative net domestic migration, 2021 to 2024-1,090
- Rank by growth among US county-equivalents2210th of 3,144
The county has lost 1.06 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.
Monroe County
Where are people moving to Monroe County from?
- Tax returns filed by households arriving4,518
- People arriving, from those returns8,070
- Tax returns filed by households leaving4,949
- Net household movement-431
- Adjusted gross income arriving$327.7 m
- Net adjusted gross income movement$-67.7 m
- Average income of an arriving household$72,535
- Average income of a leaving household$79,888
- Largest single originNorthampton County (406 households)
- Largest single destinationNorthampton County (538 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Northampton County | 406 | 691 | $23.3 m |
| Kings County | 322 | 626 | $27.2 m |
| Queens County | 279 | 548 | $21.1 m |
| Bronx County | 252 | 535 | $15.7 m |
| Lehigh County | 172 | 290 | $10.0 m |
| Pike County | 157 | 291 | $8.0 m |
| New York County | 127 | 210 | $25.7 m |
| Lackawanna County | 126 | 214 | $6.0 m |
Households arriving report $7,353 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Northampton 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.
Monroe County
What is the Monroe County economy?
- County GDP, 2024$9.56 bn
- County GDP, 2023$9.13 bn
- GDP change, 2023 to 20244.7 percent
- GDP change over five years30.2 percent
- Rank by GDP among the Pennsylvania areas BEA publishes21st of 67
- Rank by GDP among the US county areas BEA publishes459th of 3,127
- GDP per resident$57,089
Output grew 4.7 percent in the latest year and 30.2 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.
Monroe County
Employment by industry in Monroe County
- Covered employment, annual average56,939
- Establishments reporting3,684
- Average annual pay$53,536
- Average weekly wage$1,030
- Accommodation and food services, employment10,265
- Accommodation and food services, average annual pay$28,771
- Health care and social assistance, employment9,235
- Health care and social assistance, average annual pay$59,447
- Retail trade, employment8,454
- Retail trade, average annual pay$33,269
- Manufacturing, employment4,949
- Manufacturing, average annual pay$92,020
- Transportation and warehousing, employment3,048
- Other services, except public administration, employment2,130
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Accommodation and food services | 10,265 | 418 | $28,771 |
| Health care and social assistance | 9,235 | 415 | $59,447 |
| Retail trade | 8,454 | 583 | $33,269 |
| Manufacturing | 4,949 | 124 | $92,020 |
| Transportation and warehousing | 3,048 | 124 | $60,245 |
| Other services, except public administration | 2,130 | 350 | $38,435 |
| Construction | 1,791 | 361 | $57,790 |
| Administrative and support and waste management services | 1,675 | 198 | $43,260 |
Accommodation and food services is the largest private sector at 10,265 jobs, 18.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Monroe County
How many businesses are in Monroe County?
- Establishments, all industries3,527
- Employment at those establishments47,564
- Annual payroll$2.33 bn
- Establishments per 1,000 residents21.1
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.
Monroe County
Building permits in Monroe County
- Housing units authorized by permit, 2024278
- Declared construction value permitted$79.5 m
- Single family units authorized226
- Multifamily units authorized52
- Multifamily share of units18.7 percent
- Average declared value per unit$286,075
- Units authorized per 1,000 households4.5
Single-family homes are 81.3 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Monroe County
SBA loans in Monroe County (7(a) and 504)
- 7(a) approvals recorded110
- 7(a) gross approval dollars$61.4 m
- Average 7(a) approval$558,001
- Median 7(a) approval$150,000
- 10th percentile approval$24,500
- 90th percentile approval$1,407,850
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)1,019
- Jobs per approval9.3
- Distinct 7(a) lenders active35
- Distinct industries receiving approvals66
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer21.8 percent
- Loans on real estate terms24
- Loans on working capital terms, 120 months or shorter85
- Franchise loans12
- Franchise share of approvals10.9 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (11)
- Most active lenderManufacturers and Traders Trust Company (12)
- 504 approvals recorded43
- 504 gross approval dollars$50.3 m
- Average 504 approval$1,169,256
- Median 504 approval$529,000
- Distinct CDCs active6
- 504 jobs per approval17.7
- 504 jobs per million dollars approved15.1
- Most active CDCNEPA Alliance Business Finance Corporation (21)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$111.7 m
The average approval of $558,001 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 21.8 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.
Monroe County
SBA loan default and charge-off rates in Monroe County
Do SBA loans in Monroe County get paid back?
- Loans with a final outcome recorded18
- Paid in full14
- Charged off4
- Status: Paid in full14
- Status: Cancelled17
- Status: Exempt from disclosure64
- Status: Charged off4
- Status: Committed, not yet disbursed11
Only 18 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.
Monroe County
SBA lending by place in Monroe County
- Borrower cities with recorded lending22
- Stroudsburg, approvals37
- East Stroudsburg, approvals20
- Blakeslee, approvals6
- Mount Pocono, approvals5
- Tannersville, approvals5
- Canadensis, approvals5
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Stroudsburg | 37 | $16,489,300 |
| East Stroudsburg | 20 | $13,271,400 |
| Blakeslee | 6 | $5,625,000 |
| Mount Pocono | 5 | $7,777,500 |
| Tannersville | 5 | $2,920,000 |
| Canadensis | 5 | $1,191,700 |
| Tobyhanna | 5 | $956,000 |
| Pocono Lake | 4 | $619,200 |
| 14 other borrower cities | 23 | $12,530,000 |
Stroudsburg accounts for 37 approvals against 20 in East Stroudsburg. 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.
Monroe County
How large is Monroe County?
- Land area608 sq mi
- Rank by land area among Pennsylvania counties36th of 67
- Width, east to west34.9 mi
- Height, north to south30.2 mi
- Geographies sharing a boundary7
- Residents per square mile of land276
- Establishments per square mile5.80
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.
Monroe County
Flood risk in Monroe County
- Communities in the county in the NFIP Community Status Book20
- Of those, participating in the NFIP20
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Monroe County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The EPA places Monroe 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. 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 Monroe 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 Monroe County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024167,515
- Households61,212
- Average household size2.74
- Median household income$83,565
- Median age44.1
Common questions
Monroe County questions, answered from the record.
How many people live in Monroe County, Pennsylvania?
The Census Bureau estimates 166,523 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 167,515, in 61,212 households, ranking 20th of 67 Pennsylvania counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Monroe County's population growing?
The population has fallen 1.06 percent since the 2020 census base of 168,315, to 166,523 on July 1, 2024. In 2024 there were 1,355 births against 1,727 deaths, with net migration of 323. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Monroe County?
$83,565. The median owner-occupied home is valued at $267,600, which is 3.2 times income, and median gross rent is $1,393 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Monroe County?
3,527 establishments, employing 47,564 people with an annual payroll of $2.33 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 Monroe County?
Accommodation and food services is the largest private sector at 10,265 jobs, 18.0 percent of covered employment. Covered employment averages 56,939 jobs at an average annual pay of $53,536, or $1,030 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Monroe County?
110 7(a) approvals totaling $61.4 m since FY2020, across 35 lenders, with a median approval of $150,000, plus 43 504 approvals worth $50.3 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Monroe County?
278 housing units were authorized by permit in 2024, with a declared construction value of $79.5 m. Multifamily was 18.7 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Monroe 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 Monroe County come from?
The largest single origin is Northampton County, with 406 households. Arriving households report an average income of $72,535 against $79,888 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Monroe 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 Monroe 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.
Monroe County
Cities and places in Monroe.
17 Census places lie wholly or partly in Monroe County. All 17 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 |
|---|---|---|---|---|
| East Stroudsburg | borough | 9,319 | 20 | Wholly in this county |
| Arlington Heights | CDP | 6,847 | None recorded | Wholly in this county |
| Sierra View | CDP | 6,365 | None recorded | Wholly in this county |
| Stroudsburg | borough | 5,894 | 37 | Wholly in this county |
| Saw Creek | CDP | 4,422 | None recorded | 6.1 percent here, 93.9 percent Pike County |
| Indian Mountain Lake | CDP | 3,889 | None recorded | 57.0 percent here, 43.0 percent Carbon County |
| Penn Estates | CDP | 3,659 | None recorded | Wholly in this county |
| Mount Pocono | borough | 3,072 | 5 | Wholly in this county |
| Emerald Lakes | CDP | 2,716 | None recorded | Wholly in this county |
| Sun Valley | CDP | 2,529 | None recorded | Wholly in this county |
| Brodheadsville | CDP | 1,774 | 2 | Wholly in this county |
| Effort | CDP | 1,743 | 1 | Wholly in this county |
| Pocono Pines | CDP | 953 | 3 | Wholly in this county |
| Mountainhome | CDP | 887 | None recorded | Wholly in this county |
| Saylorsburg | CDP | 804 | 2 | Wholly in this county |
| Delaware Water Gap | borough | 738 | None recorded | Wholly in this county |
| Gouldsboro | CDP | 713 | None recorded | 12.6 percent here, 87.4 percent Wayne County |
A further 40 of the county's 110 SBA 7(a) approvals are to borrowers in cities that match no Census place in Monroe County, the largest being Blakeslee (6), Tannersville (5), Canadensis (5). 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.