Northumberland County, Pennsylvania: commercial real estate data.

Northumberland County

How many people live in Northumberland County

• Population, American Community Survey 2020-202490,560
• Households37,886
• Average household size2.39
• Median household income$60,583
• Median age44.5
• Median gross rent$806 per month
• Median owner-occupied home value$162,400
• Home value to household income2.7 times
• Annual rent as a share of median income16.0 percent
• Adults 25 and over with a bachelor degree or higher19.4 percent
• Adults 25 and over with a graduate degree6.0 percent
• Adults 25 and over66,545
• Population under 1817,819
• Share under 1819.7 percent
• Population 65 and over20,204
• Share 65 and over22.3 percent
• Working age population, 18 to 6452,537
• Civilian labor force42,522
• Unemployment rate3.7 percent
• Labor force participation, adults 18 and over58.5 percent
• Rank by population among Pennsylvania counties32nd of 67
• Rank by population among US county-equivalents, Puerto Rico included668th of 3,222

Northumberland County is the 32nd largest of 67 Pennsylvania counties by population. A median home costs 2.7 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 22.3 percent against 19.7 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.

Northumberland County

Where are people moving to Northumberland County from?

• Tax returns filed by households arriving1,749
• People arriving, from those returns2,987
• Tax returns filed by households leaving1,860
• Net household movement-111
• Adjusted gross income arriving$79.7 m
• Net adjusted gross income movement$-10.9 m
• Average income of an arriving household$45,585
• Average income of a leaving household$48,747
• Largest single originUnion County (209 households)
• Largest single destinationUnion County (229 households)

Households arriving report $3,162 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Union 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.

Northumberland County

Employment by industry in Northumberland County

• Covered employment, annual average26,979
• Establishments reporting1,813
• Average annual pay$53,035
• Average weekly wage$1,020
• Health care and social assistance, employment4,255
• Health care and social assistance, average annual pay$52,017
• Manufacturing, employment4,171
• Manufacturing, average annual pay$63,906
• Transportation and warehousing, employment2,654
• Transportation and warehousing, average annual pay$62,002
• Retail trade, employment2,626
• Retail trade, average annual pay$35,065
• Construction, employment1,113
• Other services, except public administration, employment1,009

Health care and social assistance is the largest private sector at 4,255 jobs, 15.8 percent of covered employment.

US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.

Northumberland County

Building permits in Northumberland County

• Housing units authorized by permit, 202456
• Declared construction value permitted$19.0 m
• Single family units authorized54
• Multifamily units authorized2
• Multifamily share of units3.6 percent
• Average declared value per unit$339,079
• Units authorized per 1,000 households1.5

Single-family homes are 96.4 percent of units authorized, so the pipeline is predominantly single-family.

US Census Bureau, Building Permits Survey, 2024 annual.

Northumberland County

SBA loan default and charge-off rates in Northumberland County

Do SBA loans in Northumberland County get paid back?

• Loans with a final outcome recorded11
• Paid in full11
• Charged off0
• Status: Paid in full11
• Status: Exempt from disclosure35
• Status: Cancelled12
• Status: Committed, not yet disbursed8

Only 11 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.

Northumberland County

How large is Northumberland County?

• Land area458 sq mi
• Rank by land area among Pennsylvania counties49th of 67
• Width, east to west29.8 mi
• Height, north to south39.1 mi
• Geographies sharing a boundary8
• Residents per square mile of land198
• Establishments per square mile3.52

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.

Feasibility studies

When a Northumberland 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 Northumberland County site starts with the figures you are reading, carrying the same source and period into the credit file.

• Population, American Community Survey 2020-202490,560
• Households37,886
• Average household size2.39
• Median household income$60,583
• Median age44.5

How a feasibility study works →

Northumberland County

Cities and places in Northumberland.

27 Census places lie wholly or partly in Northumberland County. All 27 carry enough published place level data for a page of their own and are linked.

A further 12 of the county's 66 SBA 7(a) approvals are to borrowers in cities that match no Census place in Northumberland County, the largest being Dornsife (5), Paxinos (3), Coal Township (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.