HomePennsylvaniaUnion County
Union County, Pennsylvania: commercial real estate data.
Union County, Pennsylvania had an estimated 42,159 residents on July 1, 2024, down 1.2 percent since the 2020 census base of 42,685, across 316 square miles. County output reached $2.51 bn in 2024, 960 establishments operate here, and the SBA record carries 41 7(a) approvals worth $7.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Union County
How many people live in Union County
- Population, American Community Survey 2020-202442,456
- Households14,546
- Average household size2.92
- Median household income$76,404
- Median age41.0
- Median gross rent$974 per month
- Median owner-occupied home value$240,100
- Home value to household income3.1 times
- Annual rent as a share of median income15.3 percent
- Adults 25 and over with a bachelor degree or higher26.5 percent
- Adults 25 and over with a graduate degree12.0 percent
- Adults 25 and over29,150
- Population under 187,370
- Share under 1817.4 percent
- Population 65 and over8,439
- Share 65 and over19.9 percent
- Working age population, 18 to 6426,647
- Civilian labor force17,812
- Unemployment rate2.2 percent
- Labor force participation, adults 18 and over50.8 percent
- Rank by population among Pennsylvania counties50th of 67
- Rank by population among US county-equivalents, Puerto Rico included1158th of 3,222
Union County is the 50th largest of 67 Pennsylvania counties by population. A median home costs 3.1 times median household income, which is moderately unaffordable by national standards. Residents 65 and over outnumber those under 18, at 19.9 percent against 17.4 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.
Union County
Is Union County's population growing?
- Population, July 1, 202442,159
- Census 2020 base population42,685
- Population change since the 2020 census base-1.23 percent
- Population change, 2023 to 2024-78
- Births, 2024352
- Deaths, 2024383
- Natural change, 2024-31
- Net domestic migration, 2024-198
- Net international migration, 2024148
- Total net migration, 2024-50
- Cumulative net domestic migration, 2021 to 2024-620
- Rank by growth among US county-equivalents2271st of 3,144
The county has lost 1.23 percent of its population since the 2020 census base. The population fell in 2024 from both sources: deaths exceeded births and more people left than moved in.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Union County
Where are people moving to Union County from?
- Tax returns filed by households arriving923
- People arriving, from those returns1,607
- Tax returns filed by households leaving937
- Net household movement-14
- Adjusted gross income arriving$67.7 m
- Net adjusted gross income movement$4.2 m
- Average income of an arriving household$73,354
- Average income of a leaving household$67,821
- Largest single originNorthumberland County (229 households)
- Largest single destinationNorthumberland County (209 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Northumberland County | 229 | 391 | $11.0 m |
| Snyder County | 114 | 194 | $5.8 m |
| Lycoming County | 74 | 139 | $3.9 m |
| Montour County | 31 | 56 | $2.6 m |
| Columbia County | 27 | 38 | $1.8 m |
Households arriving report $5,533 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Northumberland 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.
Union County
What is the Union County economy?
- County GDP, 2024$2.51 bn
- County GDP, 2023$2.38 bn
- GDP change, 2023 to 20245.4 percent
- GDP change over five years30.8 percent
- Rank by GDP among the Pennsylvania areas BEA publishes46th of 67
- Rank by GDP among the US county areas BEA publishes1102nd of 3,127
- GDP per resident$59,131
Output grew 5.4 percent in the latest year and 30.8 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.
Union County
Employment by industry in Union County
- Covered employment, annual average17,546
- Establishments reporting1,018
- Average annual pay$58,821
- Average weekly wage$1,131
- Retail trade, employment2,051
- Retail trade, average annual pay$33,781
- Manufacturing, employment1,824
- Manufacturing, average annual pay$58,146
- Accommodation and food services, employment1,745
- Accommodation and food services, average annual pay$22,101
- Construction, employment717
- Construction, average annual pay$68,025
- Administrative and support and waste management services, employment524
- Transportation and warehousing, employment488
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 2,051 | 142 | $33,781 |
| Manufacturing | 1,824 | 50 | $58,146 |
| Accommodation and food services | 1,745 | 90 | $22,101 |
| Construction | 717 | 88 | $68,025 |
| Administrative and support and waste management services | 524 | 38 | $46,345 |
| Transportation and warehousing | 488 | 32 | $74,863 |
| Other services, except public administration | 446 | 101 | $31,171 |
| Finance and insurance | 391 | 54 | $69,419 |
Retail trade is the largest private sector at 2,051 jobs, 11.7 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Union County
How many businesses are in Union County?
- Establishments, all industries960
- Employment at those establishments16,233
- Annual payroll$840.6 m
- Establishments per 1,000 residents22.6
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.
Union County
Building permits in Union County
- Housing units authorized by permit, 202454
- Declared construction value permitted$17.9 m
- Single family units authorized48
- Multifamily units authorized6
- Multifamily share of units11.1 percent
- Average declared value per unit$331,803
- Units authorized per 1,000 households3.7
Single-family homes are 88.9 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Union County
SBA loans in Union County (7(a) and 504)
- 7(a) approvals recorded41
- 7(a) gross approval dollars$7.1 m
- Average 7(a) approval$171,963
- Median 7(a) approval$45,000
- 10th percentile approval$10,000
- 90th percentile approval$350,000
- Largest single approval$1,750,000
- Jobs reported supported, 7(a)276
- Jobs per approval6.7
- Distinct 7(a) lenders active12
- Distinct industries receiving approvals29
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer2.4 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter40
- Franchise loans6
- Franchise share of approvals14.6 percent
- Leading industry by approval countOther Personal Care Services (4)
- Most active lenderManufacturers and Traders Trust Company (29)
- 504 approvals recorded6
- 504 gross approval dollars$3.7 m
- Average 504 approval$610,333
- Median 504 approval$348,000
- Distinct CDCs active1
- 504 jobs per approval9.2
- 504 jobs per million dollars approved15.0
- Most active CDCSEDA-COG Local Development Corporation (6)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$10.7 m
The average approval of $171,963 sits well above the median of $45,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 2.4 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.
Union County
SBA loan default and charge-off rates in Union County
Do SBA loans in Union County get paid back?
- Loans with a final outcome recorded6
- Paid in full4
- Charged off2
- Status: Paid in full4
- Status: Cancelled7
- Status: Exempt from disclosure23
- Status: Committed, not yet disbursed5
- Status: Charged off2
Only 6 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.
Union County
SBA lending by place in Union County
- Borrower cities with recorded lending5
- Lewisburg, approvals26
- Mifflinburg, approvals10
- New Berlin, approvals2
- Winfield, approvals2
- Millmont, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Lewisburg | 26 | $4,062,200 |
| Mifflinburg | 10 | $2,334,500 |
| New Berlin | 2 | $33,000 |
| Winfield | 2 | $30,000 |
| Millmont | 1 | $590,800 |
Lewisburg accounts for 26 approvals against 10 in Mifflinburg. 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.
Union County
How large is Union County?
- Land area316 sq mi
- Rank by land area among Pennsylvania counties64th of 67
- Width, east to west29.5 mi
- Height, north to south22.9 mi
- Geographies sharing a boundary6
- Residents per square mile of land134
- Establishments per square mile3.04
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.
Union County
Flood risk in Union County
- Communities in the county in the NFIP Community Status Book13
- Of those, participating in the NFIP13
- 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 class3
- Radon levels in Union County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The EPA places Union 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 Union 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 Union County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202442,456
- Households14,546
- Average household size2.92
- Median household income$76,404
- Median age41.0
Common questions
Union County questions, answered from the record.
How many people live in Union County, Pennsylvania?
The Census Bureau estimates 42,159 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 42,456, in 14,546 households, ranking 50th of 67 Pennsylvania counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Union County's population growing?
The population has fallen 1.23 percent since the 2020 census base of 42,685, to 42,159 on July 1, 2024. In 2024 there were 352 births against 383 deaths, with net migration of -50. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Union County?
$76,404. The median owner-occupied home is valued at $240,100, which is 3.1 times income, and median gross rent is $974 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Union County?
960 establishments, employing 16,233 people with an annual payroll of $840.6 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 Union County?
Retail trade is the largest private sector at 2,051 jobs, 11.7 percent of covered employment. Covered employment averages 17,546 jobs at an average annual pay of $58,821, or $1,131 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Union County?
41 7(a) approvals totaling $7.1 m since FY2020, across 12 lenders, with a median approval of $45,000, plus 6 504 approvals worth $3.7 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Union County?
54 housing units were authorized by permit in 2024, with a declared construction value of $17.9 m. Multifamily was 11.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Union 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 Union County come from?
The largest single origin is Northumberland County, with 229 households. Arriving households report an average income of $73,354 against $67,821 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Union 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 Union 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.
Union County
Cities and places in Union.
11 Census places lie wholly or partly in Union County. All 11 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 |
|---|---|---|---|---|
| Lewisburg | borough | 5,257 | 26 | Wholly in this county |
| Mifflinburg | borough | 3,473 | 10 | Wholly in this county |
| Linntown | CDP | 1,764 | None recorded | Wholly in this county |
| Winfield | CDP | 909 | 2 | Wholly in this county |
| West Milton | CDP | 804 | None recorded | Wholly in this county |
| New Berlin | borough | 781 | 2 | Wholly in this county |
| New Columbia | CDP | 766 | None recorded | Wholly in this county |
| Vicksburg | CDP | 289 | None recorded | Wholly in this county |
| Laurelton | CDP | 258 | None recorded | Wholly in this county |
| Hartleton | borough | 248 | None recorded | Wholly in this county |
| Allenwood | CDP | 246 | None recorded | Wholly in this county |
A further 1 of the county's 41 SBA 7(a) approvals are to borrowers in cities that match no Census place in Union County, the largest being Millmont (1). 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.