Lamoille County, Vermont: commercial real estate data.
Lamoille County, Vermont had an estimated 26,248 residents on July 1, 2024, up 1.2 percent since the 2020 census base of 25,945, across 459 square miles. County output reached $1.65 bn in 2024, 1,001 establishments operate here, and the SBA record carries 59 7(a) approvals worth $10.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Lamoille County
How many people live in Lamoille County
- Population, American Community Survey 2020-202426,148
- Households11,923
- Average household size2.19
- Median household income$74,908
- Median age41.8
- Median gross rent$1,160 per month
- Median owner-occupied home value$304,700
- Home value to household income4.1 times
- Annual rent as a share of median income18.6 percent
- Adults 25 and over with a bachelor degree or higher44.3 percent
- Adults 25 and over with a graduate degree15.7 percent
- Adults 25 and over18,864
- Population under 185,176
- Share under 1819.8 percent
- Population 65 and over4,893
- Share 65 and over18.7 percent
- Working age population, 18 to 6416,079
- Civilian labor force15,266
- Unemployment rate3.3 percent
- Labor force participation, adults 18 and over72.8 percent
- Rank by population among Vermont counties12th of 14
- Rank by population among US county-equivalents, Puerto Rico included1608th of 3,222
Lamoille County is the 12th largest of 14 Vermont counties by population. A median home costs 4.1 times median household income, which is seriously unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 19.8 percent against 18.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Lamoille County
Is Lamoille County's population growing?
- Population, July 1, 202426,248
- Census 2020 base population25,945
- Population change since the 2020 census base1.17 percent
- Population change, 2023 to 202415
- Births, 2024239
- Deaths, 2024258
- Natural change, 2024-19
- Net domestic migration, 2024-132
- Net international migration, 2024167
- Total net migration, 202435
- Cumulative net domestic migration, 2021 to 2024-7
- Rank by growth among US county-equivalents1429th of 3,144
The county has grown 1.17 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Lamoille County
Where are people moving to Lamoille County from?
- Tax returns filed by households arriving801
- People arriving, from those returns1,244
- Tax returns filed by households leaving860
- Net household movement-59
- Adjusted gross income arriving$76.9 m
- Net adjusted gross income movement$-2.5 m
- Average income of an arriving household$96,065
- Average income of a leaving household$92,410
- Largest single originChittenden County (137 households)
- Largest single destinationChittenden County (148 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Chittenden County | 137 | 193 | $8.4 m |
| Washington County | 57 | 81 | $3.4 m |
| Franklin County | 51 | 85 | $3.0 m |
| Orleans County | 45 | 64 | $1.9 m |
| Caledonia County | 35 | 55 | $1.9 m |
Households arriving report $3,655 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 Chittenden 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.
Lamoille County
What is the Lamoille County economy?
- County GDP, 2024$1.65 bn
- County GDP, 2023$1.58 bn
- GDP change, 2023 to 20244.5 percent
- GDP change over five years40.6 percent
- Rank by GDP among the Vermont areas BEA publishes9th of 14
- Rank by GDP among the US county areas BEA publishes1436th of 3,127
- GDP per resident$63,247
Output grew 4.5 percent in the latest year and 40.6 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.
Lamoille County
Employment by industry in Lamoille County
- Covered employment, annual average12,436
- Establishments reporting1,540
- Average annual pay$57,777
- Average weekly wage$1,111
- Accommodation and food services, employment3,262
- Accommodation and food services, average annual pay$40,149
- Health care and social assistance, employment1,649
- Health care and social assistance, average annual pay$66,581
- Retail trade, employment1,503
- Retail trade, average annual pay$38,469
- Construction, employment863
- Construction, average annual pay$65,216
- Manufacturing, employment647
- Professional, scientific and technical services, employment479
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Accommodation and food services | 3,262 | 123 | $40,149 |
| Health care and social assistance | 1,649 | 80 | $66,581 |
| Retail trade | 1,503 | 141 | $38,469 |
| Construction | 863 | 171 | $65,216 |
| Manufacturing | 647 | 45 | $62,445 |
| Professional, scientific and technical services | 479 | 297 | $141,661 |
| Administrative and support and waste management services | 442 | 160 | $60,904 |
| Other services, except public administration | 323 | 102 | $45,214 |
Accommodation and food services is the largest private sector at 3,262 jobs, 26.2 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Lamoille County
How many businesses are in Lamoille County?
- Establishments, all industries1,001
- Employment at those establishments11,129
- Annual payroll$510.9 m
- Establishments per 1,000 residents38.3
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.
Lamoille County
Building permits in Lamoille County
- Housing units authorized by permit, 2024126
- Declared construction value permitted$30.5 m
- Single family units authorized88
- Multifamily units authorized38
- Multifamily share of units30.2 percent
- Average declared value per unit$242,293
- Units authorized per 1,000 households10.6
Single-family homes are 69.8 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Lamoille County
SBA loans in Lamoille County (7(a) and 504)
- 7(a) approvals recorded59
- 7(a) gross approval dollars$10.5 m
- Average 7(a) approval$178,749
- Median 7(a) approval$50,000
- 10th percentile approval$20,800
- 90th percentile approval$233,840
- Largest single approval$3,865,000
- Jobs reported supported, 7(a)461
- Jobs per approval7.8
- Distinct 7(a) lenders active15
- Distinct industries receiving approvals38
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer3.4 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter52
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countLandscaping Services (7)
- Most active lenderCommunity National Bank (15)
- 504 approvals recorded23
- 504 gross approval dollars$18.2 m
- Average 504 approval$790,913
- Median 504 approval$350,000
- Distinct CDCs active2
- 504 jobs per approval5.7
- 504 jobs per million dollars approved7.3
- Most active CDCGranite State Economic Development Corporation (17)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$28.7 m
The average approval of $178,749 sits well above the median of $50,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 3.4 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.
Lamoille County
SBA loan default and charge-off rates in Lamoille County
Do SBA loans in Lamoille County get paid back?
- Loans with a final outcome recorded21
- Paid in full21
- Charged off0
- Status: Exempt from disclosure30
- Status: Paid in full21
- Status: Cancelled5
- Status: Committed, not yet disbursed3
Only 21 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.
Lamoille County
SBA lending by place in Lamoille County
- Borrower cities with recorded lending11
- Morrisville, approvals19
- Stowe, approvals19
- Eden, approvals5
- Johnson, approvals5
- Hyde Park, approvals2
- Cambridge, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Morrisville | 19 | $4,803,200 |
| Stowe | 19 | $2,461,600 |
| Eden | 5 | $1,399,600 |
| Johnson | 5 | $453,000 |
| Hyde Park | 2 | $276,800 |
| Cambridge | 2 | $225,000 |
| Jeffersonville | 2 | $140,000 |
| Lake Elmore | 2 | $85,000 |
| 3 other borrower cities | 3 | $702,000 |
Morrisville accounts for 19 approvals against 19 in Stowe. 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.
Lamoille County
How large is Lamoille County?
- Land area459 sq mi
- Rank by land area among Vermont counties13th of 14
- Width, east to west27.1 mi
- Height, north to south26.8 mi
- Geographies sharing a boundary5
- Residents per square mile of land57
- Establishments per square mile2.18
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.
Lamoille County
Flood risk in Lamoille County
- Communities in the county in the NFIP Community Status Book15
- Of those, participating in the NFIP13
- NFIP participation rate86.7 percent
- Communities carrying a CRS class0
- Radon levels in Lamoille County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The EPA places Lamoille 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. 86.7 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 Lamoille 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 Lamoille County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202426,148
- Households11,923
- Average household size2.19
- Median household income$74,908
- Median age41.8
Common questions
Lamoille County questions, answered from the record.
How many people live in Lamoille County, Vermont?
The Census Bureau estimates 26,248 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 26,148, in 11,923 households, ranking 12th of 14 Vermont counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Lamoille County's population growing?
The population has grown 1.17 percent since the 2020 census base of 25,945, to 26,248 on July 1, 2024. In 2024 there were 239 births against 258 deaths, with net migration of 35. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Lamoille County?
$74,908. The median owner-occupied home is valued at $304,700, which is 4.1 times income, and median gross rent is $1,160 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Lamoille County?
1,001 establishments, employing 11,129 people with an annual payroll of $510.9 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 Lamoille County?
Accommodation and food services is the largest private sector at 3,262 jobs, 26.2 percent of covered employment. Covered employment averages 12,436 jobs at an average annual pay of $57,777, or $1,111 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Lamoille County?
59 7(a) approvals totaling $10.5 m since FY2020, across 15 lenders, with a median approval of $50,000, plus 23 504 approvals worth $18.2 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Lamoille County?
126 housing units were authorized by permit in 2024, with a declared construction value of $30.5 m. Multifamily was 30.2 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Lamoille 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 Lamoille County come from?
The largest single origin is Chittenden County, with 137 households. Arriving households report an average income of $96,065 against $92,410 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Lamoille 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 Lamoille 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.
Lamoille County
Cities and places in Lamoille.
8 Census places lie wholly or partly in Lamoille County. All 8 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 |
|---|---|---|---|---|
| Morrisville | village | 2,664 | 19 | Wholly in this county |
| Johnson | village | 1,799 | 5 | Wholly in this county |
| Stowe | CDP | 1,003 | 19 | Wholly in this county |
| Jeffersonville | village | 718 | 2 | Wholly in this county |
| Hyde Park | village | 513 | 2 | Wholly in this county |
| North Hyde Park | CDP | 396 | None recorded | Wholly in this county |
| Wolcott | CDP | 212 | 1 | Wholly in this county |
| Cambridge | village | 173 | 2 | Wholly in this county |
A further 9 of the county's 59 SBA 7(a) approvals are to borrowers in cities that match no Census place in Lamoille County, the largest being Eden (5), Lake Elmore (2), Essex Junction (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.
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