Caledonia County, Vermont: commercial real estate data.
Caledonia County, Vermont had an estimated 30,535 residents on July 1, 2024, up 1.0 percent since the 2020 census base of 30,230, across 649 square miles. County output reached $1.64 bn in 2024, 913 establishments operate here, and the SBA record carries 44 7(a) approvals worth $5.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Caledonia County
How many people live in Caledonia County
- Population, American Community Survey 2020-202430,475
- Households13,091
- Average household size2.33
- Median household income$69,970
- Median age46.0
- Median gross rent$920 per month
- Median owner-occupied home value$227,900
- Home value to household income3.3 times
- Annual rent as a share of median income15.8 percent
- Adults 25 and over with a bachelor degree or higher33.2 percent
- Adults 25 and over with a graduate degree13.5 percent
- Adults 25 and over22,336
- Population under 185,609
- Share under 1818.4 percent
- Population 65 and over7,037
- Share 65 and over23.1 percent
- Working age population, 18 to 6417,829
- Civilian labor force16,020
- Unemployment rate2.2 percent
- Labor force participation, adults 18 and over64.4 percent
- Rank by population among Vermont counties9th of 14
- Rank by population among US county-equivalents, Puerto Rico included1467th of 3,222
Caledonia County is the 9th largest of 14 Vermont counties by population. A median home costs 3.3 times median household income, which is moderately unaffordable by national standards. Residents 65 and over outnumber those under 18, at 23.1 percent against 18.4 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.
Caledonia County
Is Caledonia County's population growing?
- Population, July 1, 202430,535
- Census 2020 base population30,230
- Population change since the 2020 census base1.01 percent
- Population change, 2023 to 2024-88
- Births, 2024241
- Deaths, 2024393
- Natural change, 2024-152
- Net domestic migration, 202429
- Net international migration, 202437
- Total net migration, 202466
- Cumulative net domestic migration, 2021 to 2024818
- Rank by growth among US county-equivalents1484th of 3,144
The county has grown 1.01 percent 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.
Caledonia County
Where are people moving to Caledonia County from?
- Tax returns filed by households arriving805
- People arriving, from those returns1,369
- Tax returns filed by households leaving742
- Net household movement63
- Adjusted gross income arriving$64.2 m
- Net adjusted gross income movement$26.3 m
- Average income of an arriving household$79,781
- Average income of a leaving household$51,152
- Largest single originWashington County (79 households)
- Largest single destinationOrleans County (62 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Washington County | 79 | 132 | $4.3 m |
| Orleans County | 64 | 109 | $3.3 m |
| Grafton County | 50 | 89 | $3.2 m |
| Chittenden County | 50 | 76 | $2.8 m |
| Lamoille County | 47 | 78 | $2.2 m |
| Essex County | 37 | 56 | $1.5 m |
| Orange County | 32 | 61 | $1.4 m |
Households arriving report $28,629 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 Washington 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.
Caledonia County
What is the Caledonia County economy?
- County GDP, 2024$1.64 bn
- County GDP, 2023$1.54 bn
- GDP change, 2023 to 20246.7 percent
- GDP change over five years34.2 percent
- Rank by GDP among the Vermont areas BEA publishes10th of 14
- Rank by GDP among the US county areas BEA publishes1439th of 3,127
- GDP per resident$53,841
Output grew 6.7 percent in the latest year and 34.2 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.
Caledonia County
Employment by industry in Caledonia County
- Covered employment, annual average11,117
- Establishments reporting1,220
- Average annual pay$55,371
- Average weekly wage$1,065
- Health care and social assistance, employment1,956
- Health care and social assistance, average annual pay$65,723
- Retail trade, employment1,480
- Retail trade, average annual pay$40,841
- Manufacturing, employment1,164
- Manufacturing, average annual pay$62,661
- Accommodation and food services, employment858
- Accommodation and food services, average annual pay$24,180
- Construction, employment664
- Educational services, employment581
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 1,956 | 91 | $65,723 |
| Retail trade | 1,480 | 132 | $40,841 |
| Manufacturing | 1,164 | 61 | $62,661 |
| Accommodation and food services | 858 | 84 | $24,180 |
| Construction | 664 | 140 | $61,327 |
| Educational services | 581 | 36 | $57,515 |
| Administrative and support and waste management services | 455 | 99 | $44,963 |
| Professional, scientific and technical services | 386 | 181 | $81,118 |
Health care and social assistance is the largest private sector at 1,956 jobs, 17.6 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Caledonia County
How many businesses are in Caledonia County?
- Establishments, all industries913
- Employment at those establishments8,746
- Annual payroll$437.3 m
- Establishments per 1,000 residents30.0
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.
Caledonia County
Building permits in Caledonia County
- Housing units authorized by permit, 2024121
- Declared construction value permitted$27.8 m
- Single family units authorized84
- Multifamily units authorized37
- Multifamily share of units30.6 percent
- Average declared value per unit$230,138
- Units authorized per 1,000 households9.2
Single-family homes are 69.4 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Caledonia County
SBA loans in Caledonia County (7(a) and 504)
- 7(a) approvals recorded44
- 7(a) gross approval dollars$5.3 m
- Average 7(a) approval$120,300
- Median 7(a) approval$51,000
- 10th percentile approval$21,500
- 90th percentile approval$189,500
- Largest single approval$1,173,000
- Jobs reported supported, 7(a)371
- Jobs per approval8.4
- Distinct 7(a) lenders active11
- Distinct industries receiving approvals28
- Median 7(a) term84 months
- Share of loans on real estate terms, 240 months or longer6.8 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter41
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countGeneral Freight Trucking, Local (5)
- 504 approvals recorded22
- 504 gross approval dollars$5.9 m
- Average 504 approval$266,773
- Median 504 approval$216,000
- Distinct CDCs active2
- 504 jobs per approval3.6
- 504 jobs per million dollars approved13.6
- Most active CDCGranite State Economic Development Corporation (21)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$11.2 m
The average approval of $120,300 sits well above the median of $51,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 6.8 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.
Caledonia County
SBA loan default and charge-off rates in Caledonia County
Do SBA loans in Caledonia County get paid back?
- Loans with a final outcome recorded15
- Paid in full15
- Charged off0
- Status: Paid in full15
- Status: Exempt from disclosure21
- Status: Cancelled6
- Status: Committed, not yet disbursed2
Only 15 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.
Caledonia County
SBA lending by place in Caledonia County
- Borrower cities with recorded lending15
- St. Johnsbury, approvals12
- Lyndonville, approvals8
- South Ryegate, approvals5
- Danville, approvals3
- East Hardwick, approvals3
- East Ryegate, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| St. Johnsbury | 12 | $2,952,200 |
| Lyndonville | 8 | $771,500 |
| South Ryegate | 5 | $284,400 |
| Danville | 3 | $129,900 |
| East Hardwick | 3 | $85,000 |
| East Ryegate | 2 | $386,500 |
| Lyndon | 2 | $190,000 |
| Hardwick | 2 | $76,500 |
| 7 other borrower cities | 7 | $417,200 |
St. Johnsbury accounts for 12 approvals against 8 in Lyndonville. 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.
Caledonia County
How large is Caledonia County?
- Land area649 sq mi
- Rank by land area among Vermont counties10th of 14
- Width, east to west29.5 mi
- Height, north to south42.2 mi
- Geographies sharing a boundary6
- Residents per square mile of land47
- Establishments per square mile1.41
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.
Caledonia County
Flood risk in Caledonia County
- Communities in the county in the NFIP Community Status Book16
- Of those, participating in the NFIP13
- NFIP participation rate81.3 percent
- Communities carrying a CRS class0
- Radon levels in Caledonia County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The EPA places Caledonia 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. 81.3 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 Caledonia 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 Caledonia County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202430,475
- Households13,091
- Average household size2.33
- Median household income$69,970
- Median age46.0
Common questions
Caledonia County questions, answered from the record.
How many people live in Caledonia County, Vermont?
The Census Bureau estimates 30,535 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 30,475, in 13,091 households, ranking 9th of 14 Vermont counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Caledonia County's population growing?
The population has grown 1.01 percent since the 2020 census base of 30,230, to 30,535 on July 1, 2024. In 2024 there were 241 births against 393 deaths, with net migration of 66. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Caledonia County?
$69,970. The median owner-occupied home is valued at $227,900, which is 3.3 times income, and median gross rent is $920 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Caledonia County?
913 establishments, employing 8,746 people with an annual payroll of $437.3 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 Caledonia County?
Health care and social assistance is the largest private sector at 1,956 jobs, 17.6 percent of covered employment. Covered employment averages 11,117 jobs at an average annual pay of $55,371, or $1,065 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Caledonia County?
44 7(a) approvals totaling $5.3 m since FY2020, across 11 lenders, with a median approval of $51,000, plus 22 504 approvals worth $5.9 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Caledonia County?
121 housing units were authorized by permit in 2024, with a declared construction value of $27.8 m. Multifamily was 30.6 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Caledonia 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 Caledonia County come from?
The largest single origin is Washington County, with 79 households. Arriving households report an average income of $79,781 against $51,152 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Caledonia 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 Caledonia 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.
Caledonia County
Cities and places in Caledonia.
13 Census places lie wholly or partly in Caledonia County. All 13 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 |
|---|---|---|---|---|
| St. Johnsbury | CDP | 5,859 | 12 | Wholly in this county |
| Lyndonville | CDP | 1,408 | 8 | Wholly in this county |
| Hardwick | CDP | 1,046 | 2 | Wholly in this county |
| Groton | CDP | 430 | 1 | Wholly in this county |
| Danville | CDP | 401 | 3 | Wholly in this county |
| Lyndon Center | CDP | 291 | 1 | Wholly in this county |
| Peacham | CDP | 237 | None recorded | Wholly in this county |
| Sheffield | CDP | 190 | None recorded | Wholly in this county |
| West Burke | village | 161 | None recorded | Wholly in this county |
| Lyndon | CDP | 160 | 2 | Wholly in this county |
| Sutton | CDP | 160 | None recorded | Wholly in this county |
| East Burke | CDP | 151 | 1 | Wholly in this county |
| Barnet | CDP | 61 | None recorded | Wholly in this county |
A further 14 of the county's 44 SBA 7(a) approvals are to borrowers in cities that match no Census place in Caledonia County, the largest being South Ryegate (5), East Hardwick (3), East Ryegate (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.
Nearby