New York micro-market
Healthcare practice financing in Dobbs Ferry, New York
Direct answer
Density decides a lot here. Dobbs Ferry runs 137.2 providers per 10,000 residents, 158 clinicians against 11,513 people, 54 percent of them in physical, occupational, and speech therapy, while Westchester County lenders have approved 27 healthcare files worth $11,000,000 and the nearest metro is 24 miles out.
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- Population: 11,513 residents (10K-25K band)1
- Healthcare providers registered here: 158 across 22 fields2
- Median household income: $167,9273
- Largest provider field: Physical, occupational, and speech therapy: 85 registered providers2
- Nearest metro: New York-Newark-Jersey City, NY-NJ, 24 miles1
- Higher education: At least one degree-granting institution is based here4
The clinical base a lender can verify here
The NPPES file puts 158 enumerated clinicians inside Dobbs Ferry, spread over 22 fields at 137.2 per 10,000 residents
| Practice type | Count | Rate per 10,000 residents | Published by |
|---|---|---|---|
| Physical, occupational, and speech therapy | 85 | 73.8 | NPPES [2] |
| Primary care and family medicine | 10 | 8.7 | NPPES [2] |
| ABA and autism therapy | 8 | 6.9 | NPPES [2] |
| General dentistry | 7 | 6.1 | NPPES [2] |
| Chiropractic | 6 | 5.2 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 6 | 5.2 | NPPES [2] |
| Specialty physician groups | 6 | 5.2 | NPPES [2] |
| Home health | 4 | 3.5 | NPPES [2] |
| Optometry and ophthalmology | 4 | 3.5 | NPPES [2] |
| DME and HME suppliers | 3 | 2.6 | NPPES [2] |
| Dental specialties | 3 | 2.6 | NPPES [2] |
| Behavioral and mental health group practices | 3 | 2.6 | NPPES [2] |
| Clinical and toxicology labs | 2 | 1.7 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 1.7 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 2 | 1.7 | NPPES [2] |
| Podiatry | 1 | 0.9 | NPPES [2] |
| Mobile diagnostics | 1 | 0.9 | NPPES [2] |
| Audiology and hearing centers | 1 | 0.9 | NPPES [2] |
| Non-medical home care | 1 | 0.9 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 1 | 0.9 | NPPES [2] |
| Plastic and cosmetic surgery | 1 | 0.9 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.9 | NPPES [2] |
| Medical equipment suppliers | 1 | CMS [5] |
Physical, occupational, and speech therapy carries 85 of the 158 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
The lending record behind Dobbs Ferry
Lenders in Westchester County have already closed 27 healthcare approvals, averaging $407,407, which is the size a new file gets read beside
| What it measures | Value | How to read it |
|---|---|---|
| Approvals on record | 27 | One published fiscal year, healthcare borrowers only [6] |
| Total approved capital | $11,000,000 | Approved, not disbursed, and not net of withdrawals [6] |
| Mean deal size | $407,407 | A mean, so one large approval moves it [6] |
| Lenders sited in the county | 434 | Credit intermediation offices sited in the county [7] |
What the two tables above change about a file
A file from here opens on 137.2 providers per 10,000 residents, and everything about volume follows from it. 27 approvals worth $11,000,000 in Westchester County means the size you are asking for has a local precedent to point at. Household income of $167,927 in Dobbs Ferry is the number a lender uses to sanity check the self-pay share of a revenue projection.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Medical receivables factoring
- Expansion, relocation, and build-out
Weighted by how often each of the 22 local fields reaches for a program, not by what is easiest to refer. New York rules and the partner decide availability.
Underwriting by field in Dobbs Ferry
Drawn from the fields that actually practice here: physical, occupational, and speech therapy, primary care and family medicine, aba and autism therapy
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (85) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (10) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| ABA and autism therapy (8) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
The first column is Dobbs Ferry's own NPPES count. The rest is how the field is generally underwritten, whether the address is Dobbs Ferry or anywhere else.
How Dobbs Ferry prices against its neighbors
Set Dobbs Ferry's 137.2 per 10,000 against the towns an appraiser would reach for next
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Dobbs Ferry (current) | 11,513 | 158 | 137.2 | |
| Tarrytown | 11,829 | 203 | 171.6 | 4 |
| Scarsdale | 18,036 | 523 | 290.0 | 5 |
| Sleepy Hollow | 11,427 | 141 | 123.4 | 6 |
| Mount Vernon | 71,999 | 354 | 49.2 | 7 |
| Harrison | 31,321 | 258 | 82.4 | 8 |
| New Rochelle | 85,512 | 613 | 71.7 | 8 |
What the geography does to a Dobbs Ferry projection
24 miles separate Dobbs Ferry from New York-Newark-Jersey City, NY-NJ. Lease pricing follows New York-Newark-Jersey City, NY-NJ, while revenue stays capped by the 11,513 residents here. Median household income runs $167,927, which is the number a funder converts into case acceptance on anything elective or cash-pay. With no hospital in town, a projection has to name where referrals and coverage come from. Higher education here explains why summer looks unlike the rest of the year.
More of New York
- Tarrytown 11,829 residents
- Scarsdale 18,036 residents
- Sleepy Hollow 11,427 residents
- Mount Vernon 71,999 residents
- Harrison 31,321 residents
- New Rochelle 85,512 residents
What owners in Dobbs Ferry ask
01How many providers practice in Dobbs Ferry, and in what?
158 enumerations sit at Dobbs Ferry addresses in the monthly NPPES file, working out to 137.2 for every 10,000 residents. 54 percent of them are physical, occupational, and speech therapy, and primary care and family medicine follows with 10. An enumeration is a clinician, so the 158 here cover fewer than 158 practices.
02What does SBA lending look like around Dobbs Ferry?
$11,000,000 went to healthcare borrowers in Westchester County across 27 approvals, $407,407 on average. Deals near Dobbs Ferry get sized against that record before anything else.
03What does a $167,927 median income mean for case acceptance?
Median household income in Dobbs Ferry runs $167,927. On elective and cash-pay work that is the number a funder converts into case acceptance, and it sets how much of a treatment plan a projection can assume gets started rather than deferred.
04What does Westchester County's shortage designation change?
Designated for primary care, dental, mental health, Westchester County qualifies its clinicians for federal repayment support. On a file that turns on adding staff, that is the difference between a hiring assumption and a hiring plan.
05Is Dobbs Ferry underwritten as part of New York-Newark-Jersey City, NY-NJ?
Partly. New York-Newark-Jersey City, NY-NJ is 24 miles out, so rent and equipment comparables travel in from there while patients still come from the 11,513 residents around Dobbs Ferry. Cost side metro, revenue side local.
06Which fields carry the volume in Dobbs Ferry?
The 22 enumerated fields are led by physical, occupational, and speech therapy at 85, with primary care and family medicine at 10 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
Sources
- 1U.S. Census Bureau, Population Estimates, vintage 2024
- 2CMS NPPES, monthly full replacement file
- 3U.S. Census Bureau, ACS 5-year 2023, table B19013
- 4U.S. Department of Education, IPEDS 2023 institutional directory
- 5CMS Care Compare provider datasets
- 6U.S. Small Business Administration, 7(a) and 504 approvals
- 7U.S. Census Bureau, County Business Patterns 2022
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