Windham County, Vermont: commercial real estate data.
Windham County, Vermont had an estimated 45,627 residents on July 1, 2024, down 0.7 percent since the 2020 census base of 45,930, across 785 square miles. County output reached $3.10 bn in 2024, 1,657 establishments operate here, and the SBA record carries 83 7(a) approvals worth $34.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Windham County
How many people live in Windham County
- Population, American Community Survey 2020-202445,923
- Households19,784
- Average household size2.32
- Median household income$72,217
- Median age47.3
- Median gross rent$1,056 per month
- Median owner-occupied home value$279,600
- Home value to household income3.9 times
- Annual rent as a share of median income17.5 percent
- Adults 25 and over with a bachelor degree or higher44.0 percent
- Adults 25 and over with a graduate degree21.3 percent
- Adults 25 and over34,265
- Population under 187,729
- Share under 1816.8 percent
- Population 65 and over11,747
- Share 65 and over25.6 percent
- Working age population, 18 to 6426,447
- Civilian labor force24,337
- Unemployment rate4.8 percent
- Labor force participation, adults 18 and over63.7 percent
- Rank by population among Vermont counties6th of 14
- Rank by population among US county-equivalents, Puerto Rico included1085th of 3,222
Windham County is the 6th largest of 14 Vermont counties by population. A median home costs 3.9 times median household income, which is moderately unaffordable by national standards. Residents 65 and over outnumber those under 18, at 25.6 percent against 16.8 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.
Windham County
Is Windham County's population growing?
- Population, July 1, 202445,627
- Census 2020 base population45,930
- Population change since the 2020 census base-0.66 percent
- Population change, 2023 to 2024-358
- Births, 2024294
- Deaths, 2024506
- Natural change, 2024-212
- Net domestic migration, 2024-200
- Net international migration, 202452
- Total net migration, 2024-148
- Cumulative net domestic migration, 2021 to 2024467
- Rank by growth among US county-equivalents2076th of 3,144
The county has lost 0.66 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.
Windham County
Where are people moving to Windham County from?
- Tax returns filed by households arriving1,310
- People arriving, from those returns2,036
- Tax returns filed by households leaving1,255
- Net household movement55
- Adjusted gross income arriving$104.8 m
- Net adjusted gross income movement$21.1 m
- Average income of an arriving household$79,973
- Average income of a leaving household$66,675
- Largest single originCheshire County (110 households)
- Largest single destinationCheshire County (144 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Cheshire County | 110 | 171 | $5.5 m |
| Windsor County | 71 | 110 | $3.4 m |
| Middlesex County | 56 | 79 | $6.0 m |
| Franklin County | 52 | 85 | $2.6 m |
| Chittenden County | 42 | 59 | $2.6 m |
| Bennington County | 38 | 56 | $1.6 m |
| Capitol Planning Region | 33 | 48 | $3.3 m |
| Sullivan County | 30 | 45 | $976,000 |
Households arriving report $13,298 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 Cheshire 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.
Windham County
What is the Windham County economy?
- County GDP, 2024$3.10 bn
- County GDP, 2023$3.05 bn
- GDP change, 2023 to 20241.7 percent
- GDP change over five years25.4 percent
- Rank by GDP among the Vermont areas BEA publishes5th of 14
- Rank by GDP among the US county areas BEA publishes953rd of 3,127
- GDP per resident$67,455
Output grew 1.7 percent in the latest year and 25.4 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.
Windham County
Employment by industry in Windham County
- Covered employment, annual average20,831
- Establishments reporting2,493
- Average annual pay$56,758
- Average weekly wage$1,092
- Health care and social assistance, employment3,240
- Health care and social assistance, average annual pay$63,371
- Accommodation and food services, employment2,894
- Accommodation and food services, average annual pay$31,677
- Retail trade, employment2,312
- Retail trade, average annual pay$41,736
- Manufacturing, employment1,943
- Manufacturing, average annual pay$65,226
- Educational services, employment1,353
- Construction, employment1,200
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 3,240 | 182 | $63,371 |
| Accommodation and food services | 2,894 | 194 | $31,677 |
| Retail trade | 2,312 | 223 | $41,736 |
| Manufacturing | 1,943 | 90 | $65,226 |
| Educational services | 1,353 | 92 | $47,525 |
| Construction | 1,200 | 244 | $68,659 |
| Wholesale trade | 872 | 102 | $70,483 |
| Administrative and support and waste management services | 750 | 250 | $59,321 |
Health care and social assistance is the largest private sector at 3,240 jobs, 15.6 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Windham County
How many businesses are in Windham County?
- Establishments, all industries1,657
- Employment at those establishments19,316
- Annual payroll$902.6 m
- Establishments per 1,000 residents36.1
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.
Windham County
Building permits in Windham County
- Housing units authorized by permit, 2024178
- Declared construction value permitted$43.3 m
- Single family units authorized160
- Multifamily units authorized18
- Multifamily share of units10.1 percent
- Average declared value per unit$243,079
- Units authorized per 1,000 households9.0
Single-family homes are 89.9 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Windham County
SBA loans in Windham County (7(a) and 504)
- 7(a) approvals recorded83
- 7(a) gross approval dollars$34.4 m
- Average 7(a) approval$414,857
- Median 7(a) approval$100,000
- 10th percentile approval$20,000
- 90th percentile approval$1,133,600
- Largest single approval$4,648,000
- Jobs reported supported, 7(a)592
- Jobs per approval7.1
- Distinct 7(a) lenders active23
- Distinct industries receiving approvals47
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer12.0 percent
- Loans on real estate terms10
- Loans on working capital terms, 120 months or shorter72
- Franchise loans3
- Franchise share of approvals3.6 percent
- Leading industry by approval countLandscaping Services (6)
- Most active lenderManufacturers and Traders Trust Company (24)
- 504 approvals recorded17
- 504 gross approval dollars$6.4 m
- Average 504 approval$376,000
- Median 504 approval$293,000
- Distinct CDCs active4
- 504 jobs per approval5.2
- 504 jobs per million dollars approved13.9
- Most active CDCGranite State Economic Development Corporation (12)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$40.8 m
The average approval of $414,857 sits well above the median of $100,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 12.0 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.
Windham County
SBA loan default and charge-off rates in Windham County
Do SBA loans in Windham County get paid back?
- Loans with a final outcome recorded15
- Paid in full15
- Charged off0
- Status: Paid in full15
- Status: Exempt from disclosure49
- Status: Cancelled12
- Status: Committed, not yet disbursed7
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.
Windham County
SBA lending by place in Windham County
- Borrower cities with recorded lending21
- Brattleboro, approvals32
- Bellows Falls, approvals12
- Wilmington, approvals6
- Vernon, approvals5
- Westminster, approvals4
- Londonderry, approvals3
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Brattleboro | 32 | $10,602,500 |
| Bellows Falls | 12 | $10,492,500 |
| Wilmington | 6 | $356,000 |
| Vernon | 5 | $7,625,000 |
| Westminster | 4 | $221,800 |
| Londonderry | 3 | $685,000 |
| Putney | 3 | $346,000 |
| West Dover | 2 | $1,202,000 |
| 13 other borrower cities | 16 | $2,902,300 |
Brattleboro accounts for 32 approvals against 12 in Bellows Falls. 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.
Windham County
How large is Windham County?
- Land area785 sq mi
- Rank by land area among Vermont counties3rd of 14
- Width, east to west29.8 mi
- Height, north to south36.5 mi
- Geographies sharing a boundary5
- Residents per square mile of land59
- Establishments per square mile2.11
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.
Windham County
Flood risk in Windham County
- Communities in the county in the NFIP Community Status Book23
- Of those, participating in the NFIP22
- NFIP participation rate95.7 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 9
- Communities carrying a CRS class1
- Radon levels in Windham County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The EPA places Windham 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. The best Community Rating System class among the county's communities is 9, which carries a flood insurance premium discount for policies written in that community. 95.7 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 Windham 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 Windham County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202445,923
- Households19,784
- Average household size2.32
- Median household income$72,217
- Median age47.3
Common questions
Windham County questions, answered from the record.
How many people live in Windham County, Vermont?
The Census Bureau estimates 45,627 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 45,923, in 19,784 households, ranking 6th of 14 Vermont counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Windham County's population growing?
The population has fallen 0.66 percent since the 2020 census base of 45,930, to 45,627 on July 1, 2024. In 2024 there were 294 births against 506 deaths, with net migration of -148. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Windham County?
$72,217. The median owner-occupied home is valued at $279,600, which is 3.9 times income, and median gross rent is $1,056 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Windham County?
1,657 establishments, employing 19,316 people with an annual payroll of $902.6 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 Windham County?
Health care and social assistance is the largest private sector at 3,240 jobs, 15.6 percent of covered employment. Covered employment averages 20,831 jobs at an average annual pay of $56,758, or $1,092 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Windham County?
83 7(a) approvals totaling $34.4 m since FY2020, across 23 lenders, with a median approval of $100,000, plus 17 504 approvals worth $6.4 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Windham County?
178 housing units were authorized by permit in 2024, with a declared construction value of $43.3 m. Multifamily was 10.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Windham 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 Windham County come from?
The largest single origin is Cheshire County, with 110 households. Arriving households report an average income of $79,973 against $66,675 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Windham 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 Windham 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.
Windham County
Cities and places in Windham.
22 Census places lie wholly or partly in Windham County. All 22 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 |
|---|---|---|---|---|
| Brattleboro | CDP | 7,657 | 32 | Wholly in this county |
| Bellows Falls | village | 2,891 | 12 | Wholly in this county |
| West Brattleboro | CDP | 2,749 | None recorded | Wholly in this county |
| Saxtons River | village | 553 | 2 | Wholly in this county |
| Westminster | village | 497 | 4 | Wholly in this county |
| Putney | CDP | 393 | 3 | Wholly in this county |
| Wilmington | CDP | 348 | 6 | Wholly in this county |
| Algiers | CDP | 242 | None recorded | Wholly in this county |
| Whitingham | CDP | 178 | 1 | Wholly in this county |
| Townshend | CDP | 160 | 2 | Wholly in this county |
| Harmonyville | CDP | 151 | None recorded | Wholly in this county |
| Newfane | village | 141 | None recorded | Wholly in this county |
| Londonderry | CDP | 137 | 3 | Wholly in this county |
| North Westminster | CDP | 125 | None recorded | Wholly in this county |
| Jacksonville | village | 106 | None recorded | Wholly in this county |
| Stratton Mountain | CDP | 87 | None recorded | 44.2 percent here, 55.8 percent Bennington County |
| Grafton | CDP | 82 | None recorded | Wholly in this county |
| Chimney Hill | CDP | 75 | None recorded | Wholly in this county |
| South Londonderry | CDP | 68 | 1 | Wholly in this county |
| Jamaica | CDP | 59 | None recorded | Wholly in this county |
| Wardsboro | CDP | 48 | None recorded | Wholly in this county |
| West Dummerston | CDP | 46 | 1 | Wholly in this county |
A further 16 of the county's 83 SBA 7(a) approvals are to borrowers in cities that match no Census place in Windham County, the largest being Vernon (5), West Dover (2), East Dover (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.