Windsor County, Vermont: commercial real estate data.
Windsor County, Vermont had an estimated 57,697 residents on July 1, 2024, down 0.1 percent since the 2020 census base of 57,733, across 969 square miles. County output reached $3.76 bn in 2024, 1,926 establishments operate here, and the SBA record carries 60 7(a) approvals worth $19.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Windsor County
How many people live in Windsor County
- Population, American Community Survey 2020-202457,990
- Households25,293
- Average household size2.29
- Median household income$77,594
- Median age47.6
- Median gross rent$1,118 per month
- Median owner-occupied home value$296,400
- Home value to household income3.8 times
- Annual rent as a share of median income17.3 percent
- Adults 25 and over with a bachelor degree or higher43.0 percent
- Adults 25 and over with a graduate degree18.3 percent
- Adults 25 and over44,040
- Population under 1810,186
- Share under 1817.6 percent
- Population 65 and over14,795
- Share 65 and over25.5 percent
- Working age population, 18 to 6433,009
- Civilian labor force29,902
- Unemployment rate4.4 percent
- Labor force participation, adults 18 and over62.6 percent
- Rank by population among Vermont counties4th of 14
- Rank by population among US county-equivalents, Puerto Rico included920th of 3,222
Windsor County is the 4th largest of 14 Vermont counties by population. A median home costs 3.8 times median household income, which is moderately unaffordable by national standards. Residents 65 and over outnumber those under 18, at 25.5 percent against 17.6 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.
Windsor County
Is Windsor County's population growing?
- Population, July 1, 202457,697
- Census 2020 base population57,733
- Population change since the 2020 census base-0.06 percent
- Population change, 2023 to 2024-349
- Births, 2024446
- Deaths, 2024724
- Natural change, 2024-278
- Net domestic migration, 2024-197
- Net international migration, 2024125
- Total net migration, 2024-72
- Cumulative net domestic migration, 2021 to 2024710
- Rank by growth among US county-equivalents1858th of 3,144
The county has lost 0.06 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.
Windsor County
Where are people moving to Windsor County from?
- Tax returns filed by households arriving1,928
- People arriving, from those returns3,024
- Tax returns filed by households leaving1,879
- Net household movement49
- Adjusted gross income arriving$191.6 m
- Net adjusted gross income movement$39.2 m
- Average income of an arriving household$99,379
- Average income of a leaving household$81,114
- Largest single originGrafton County (194 households)
- Largest single destinationGrafton County (190 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Grafton County | 194 | 304 | $12.4 m |
| Orange County | 134 | 216 | $5.8 m |
| Windham County | 116 | 184 | $5.4 m |
| Sullivan County | 111 | 197 | $5.4 m |
| Rutland County | 81 | 130 | $4.1 m |
| Middlesex County | 63 | 99 | $13.4 m |
| Chittenden County | 54 | 82 | $4.6 m |
| Washington County | 35 | 55 | $1.5 m |
Households arriving report $18,265 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 Grafton 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.
Windsor County
What is the Windsor County economy?
- County GDP, 2024$3.76 bn
- County GDP, 2023$3.63 bn
- GDP change, 2023 to 20243.6 percent
- GDP change over five years32.0 percent
- Rank by GDP among the Vermont areas BEA publishes4th of 14
- Rank by GDP among the US county areas BEA publishes851st of 3,127
- GDP per resident$64,826
Output grew 3.6 percent in the latest year and 32.0 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.
Windsor County
Employment by industry in Windsor County
- Covered employment, annual average23,153
- Establishments reporting3,052
- Average annual pay$62,855
- Average weekly wage$1,209
- Health care and social assistance, employment3,052
- Health care and social assistance, average annual pay$59,167
- Accommodation and food services, employment2,867
- Accommodation and food services, average annual pay$35,087
- Retail trade, employment2,569
- Retail trade, average annual pay$43,060
- Manufacturing, employment1,622
- Manufacturing, average annual pay$59,494
- Professional, scientific and technical services, employment1,375
- Construction, employment1,268
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 3,052 | 221 | $59,167 |
| Accommodation and food services | 2,867 | 193 | $35,087 |
| Retail trade | 2,569 | 255 | $43,060 |
| Manufacturing | 1,622 | 106 | $59,494 |
| Professional, scientific and technical services | 1,375 | 630 | $101,863 |
| Construction | 1,268 | 316 | $69,228 |
| Administrative and support and waste management services | 953 | 273 | $77,313 |
| Other services, except public administration | 811 | 222 | $48,733 |
Health care and social assistance is the largest private sector at 3,052 jobs, 13.2 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Windsor County
How many businesses are in Windsor County?
- Establishments, all industries1,926
- Employment at those establishments19,255
- Annual payroll$1.08 bn
- Establishments per 1,000 residents33.2
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.
Windsor County
Building permits in Windsor County
- Housing units authorized by permit, 2024344
- Declared construction value permitted$91.7 m
- Single family units authorized102
- Multifamily units authorized242
- Multifamily share of units70.3 percent
- Average declared value per unit$266,652
- Units authorized per 1,000 households13.6
Multifamily is 70.3 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Windsor County
SBA loans in Windsor County (7(a) and 504)
- 7(a) approvals recorded60
- 7(a) gross approval dollars$19.8 m
- Average 7(a) approval$330,080
- Median 7(a) approval$85,000
- 10th percentile approval$20,000
- 90th percentile approval$525,190
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)345
- Jobs per approval5.8
- Distinct 7(a) lenders active21
- Distinct industries receiving approvals39
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer10.0 percent
- Loans on real estate terms6
- Loans on working capital terms, 120 months or shorter50
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countLandscaping Services (10)
- Most active lenderManufacturers and Traders Trust Company (17)
- 504 approvals recorded36
- 504 gross approval dollars$28.1 m
- Average 504 approval$780,167
- Median 504 approval$377,000
- Distinct CDCs active4
- 504 jobs per approval9.6
- 504 jobs per million dollars approved12.2
- Most active CDCGranite State Economic Development Corporation (26)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$47.9 m
The average approval of $330,080 sits well above the median of $85,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 10.0 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.
Windsor County
SBA loan default and charge-off rates in Windsor County
Do SBA loans in Windsor County get paid back?
- Loans with a final outcome recorded13
- Paid in full12
- Charged off1
- Status: Paid in full12
- Status: Exempt from disclosure39
- Status: Cancelled4
- Status: Charged off1
- Status: Committed, not yet disbursed4
Only 13 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.
Windsor County
SBA lending by place in Windsor County
- Borrower cities with recorded lending23
- Woodstock, approvals10
- Springfield, approvals10
- Chester, approvals7
- White River Junction, approvals5
- Ludlow, approvals4
- Quechee, approvals3
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Woodstock | 10 | $6,587,400 |
| Springfield | 10 | $795,000 |
| Chester | 7 | $1,246,900 |
| White River Junction | 5 | $2,175,800 |
| Ludlow | 4 | $533,000 |
| Quechee | 3 | $435,500 |
| Perkinsville | 2 | $1,101,000 |
| South Royalton | 2 | $520,000 |
| 15 other borrower cities | 17 | $6,410,200 |
Woodstock accounts for 10 approvals against 10 in Springfield. 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.
Windsor County
How large is Windsor County?
- Land area969 sq mi
- Rank by land area among Vermont counties1st of 14
- Width, east to west38.8 mi
- Height, north to south51.1 mi
- Geographies sharing a boundary7
- Residents per square mile of land60
- Establishments per square mile1.99
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.
Windsor County
Flood risk in Windsor County
- Communities in the county in the NFIP Community Status Book26
- Of those, participating in the NFIP26
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Windsor County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The EPA places Windsor 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. 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 Windsor 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 Windsor County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202457,990
- Households25,293
- Average household size2.29
- Median household income$77,594
- Median age47.6
Common questions
Windsor County questions, answered from the record.
How many people live in Windsor County, Vermont?
The Census Bureau estimates 57,697 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 57,990, in 25,293 households, ranking 4th of 14 Vermont counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Windsor County's population growing?
The population has fallen 0.06 percent since the 2020 census base of 57,733, to 57,697 on July 1, 2024. In 2024 there were 446 births against 724 deaths, with net migration of -72. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Windsor County?
$77,594. The median owner-occupied home is valued at $296,400, which is 3.8 times income, and median gross rent is $1,118 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Windsor County?
1,926 establishments, employing 19,255 people with an annual payroll of $1.08 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Windsor County?
Health care and social assistance is the largest private sector at 3,052 jobs, 13.2 percent of covered employment. Covered employment averages 23,153 jobs at an average annual pay of $62,855, or $1,209 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Windsor County?
60 7(a) approvals totaling $19.8 m since FY2020, across 21 lenders, with a median approval of $85,000, plus 36 504 approvals worth $28.1 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Windsor County?
344 housing units were authorized by permit in 2024, with a declared construction value of $91.7 m. Multifamily was 70.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Windsor 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 Windsor County come from?
The largest single origin is Grafton County, with 194 households. Arriving households report an average income of $99,379 against $81,114 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Windsor 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 Windsor 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.
Windsor County
Cities and places in Windsor.
22 Census places lie wholly or partly in Windsor 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 |
|---|---|---|---|---|
| Springfield | CDP | 4,237 | 10 | Wholly in this county |
| White River Junction | CDP | 3,364 | 5 | Wholly in this county |
| Wilder | CDP | 3,087 | None recorded | Wholly in this county |
| Windsor | CDP | 2,060 | 2 | Wholly in this county |
| Chester | CDP | 1,298 | 7 | Wholly in this county |
| Norwich | CDP | 1,147 | 1 | Wholly in this county |
| Woodstock | village | 936 | 10 | Wholly in this county |
| Ludlow | village | 808 | 4 | Wholly in this county |
| West Woodstock | CDP | 657 | None recorded | Wholly in this county |
| Hartland | CDP | 572 | 1 | Wholly in this county |
| Bethel | CDP | 521 | 1 | Wholly in this county |
| South Royalton | CDP | 458 | 2 | Wholly in this county |
| North Springfield | CDP | 427 | 1 | Wholly in this county |
| Proctorsville | CDP | 427 | 1 | Wholly in this county |
| Hartford Village | CDP | 426 | 1 | Wholly in this county |
| Quechee | CDP | 412 | 3 | Wholly in this county |
| Ascutney | CDP | 381 | None recorded | Wholly in this county |
| North Hartland | CDP | 322 | None recorded | Wholly in this county |
| Rochester | CDP | 288 | 1 | Wholly in this county |
| Cavendish | CDP | 171 | 1 | Wholly in this county |
| South Woodstock | CDP | 79 | None recorded | Wholly in this county |
| Weston | CDP | 52 | 1 | Wholly in this county |
A further 8 of the county's 60 SBA 7(a) approvals are to borrowers in cities that match no Census place in Windsor County, the largest being Perkinsville (2), Plymouth (2), Weathersfield (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.