New York micro-market
Healthcare practice financing in Oneonta, New York
Direct answer
Otsego County carries 1 SBA healthcare approvals worth $25,000, and inside Oneonta the census shows 196 enumerated clinicians against 15,679 residents, 125.0 per 10,000, 33 percent of them in physical, occupational, and speech therapy. Utica-Rome, NY lies 45 miles away.
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- Population: 15,679 residents (10K-25K band)1
- Healthcare providers registered here: 196 across 24 fields2
- Median household income: $65,0313
- Largest provider field: Physical, occupational, and speech therapy: 64 registered providers2
- Medicare-certified providers in town: 4 across 3 categories4
- Nearest metro: Utica-Rome, NY, 45 miles1
What NPPES records at Oneonta addresses
125.0 providers per 10,000 residents is what 196 enumerations across 24 fields works out to in a town of 15,679
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 64 | 40.8 | NPPES [2] |
| Primary care and family medicine | 25 | 15.9 | NPPES [2] |
| Chiropractic | 18 | 11.5 | NPPES [2] |
| General dentistry | 15 | 9.6 | NPPES [2] |
| Specialty physician groups | 12 | 7.7 | NPPES [2] |
| Optometry and ophthalmology | 11 | 7.0 | NPPES [2] |
| DME and HME suppliers | 8 | 5.1 | NPPES [2] |
| Independent pharmacy | 7 | 4.5 | NPPES [2] |
| Behavioral and mental health group practices | 7 | 4.5 | NPPES [2] |
| Home health | 4 | 2.6 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 4 | 2.6 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 4 | 2.6 | NPPES [2] |
| Med spa and aesthetics | 3 | 1.9 | NPPES [2] |
| Podiatry | 2 | 1.3 | NPPES [2] |
| Urgent care | 2 | 1.3 | NPPES [2] |
| Non-medical home care | 2 | 1.3 | NPPES [2] |
| Sleep centers | 1 | 0.6 | NPPES [2] |
| SUD treatment and residential | 1 | 0.6 | NPPES [2] |
| Dental specialties | 1 | 0.6 | NPPES [2] |
| ABA and autism therapy | 1 | 0.6 | NPPES [2] |
| Hospice and palliative | 1 | 0.6 | NPPES [2] |
| Plastic and cosmetic surgery | 1 | 0.6 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.6 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.6 | NPPES [2] |
| Medical equipment suppliers | 9 | CMS [4] | |
| Home health agencies | 2 | CMS [4] | |
| Hospice providers | 1 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 64 of the 196 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
Otsego County approvals, dollars, and lending establishments
1 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| What it measures | Value | How to read it |
|---|---|---|
| Healthcare files approved | 1 | One published fiscal year, healthcare borrowers only [5] |
| Dollars behind them | $25,000 | Approved, not disbursed, and not net of withdrawals [5] |
| Typical approval size | $25,000 | A mean, so one large approval moves it [5] |
| Credit offices operating locally | 27 | Credit intermediation offices sited in the county [6] |
The consequence of these numbers
Underwriting starts with 125.0 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. With 1 approvals on record in Otsego County, expect a longer appraisal and a wider collateral discount. With $65,031 as the median household income, the payer mix in a projection has to match what Oneonta households actually spend.
Where a file from this town usually lands
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
The order comes from Oneonta's own provider mix, which physical, occupational, and speech therapy dominates at 33 percent. What a partner can actually place in New York is a separate question.
Underwriting by field in Oneonta
physical, occupational, and speech therapy, primary care and family medicine, chiropractic account for most of what is enumerated in Oneonta, so those are the files funders see from this town
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (64) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (25) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Chiropractic (18) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
Counts in the first column are Oneonta providers from NPPES. The other two columns describe how funders read that field across markets like Oneonta, not what any funder will do with your file.
How Oneonta prices against its neighbors
Density is the number that moves an appraisal: 125.0 per 10,000 here
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Oneonta (current) | 15,679 | 196 | 125.0 | |
| Utica | 63,660 | 661 | 103.8 | 45 |
| Binghamton | 46,773 | 541 | 115.7 | 49 |
| Oneida | 10,066 | 140 | 139.1 | 53 |
| Gloversville | 14,894 | 123 | 82.6 | 55 |
| Amsterdam | 18,169 | 225 | 123.8 | 56 |
| Endicott | 13,199 | 130 | 98.5 | 56 |
Distance, income, and the wage floor around Oneonta
Utica-Rome, NY lies 45 miles from Oneonta, close enough for rent comparables to travel and far enough that patient draw does not. Median household income runs $65,031, which is the number a funder converts into case acceptance on anything elective or cash-pay. Because a certified hospital sits inside the town, both the referral path and the pay a clinical hire expects are already observable. A college in Oneonta puts a term-shaped curve into monthly collections.
More of New York
- Utica 63,660 residents
- Binghamton 46,773 residents
- Oneida 10,066 residents
- Gloversville 14,894 residents
- Amsterdam 18,169 residents
- Endicott 13,199 residents
What owners in Oneonta ask
01How many providers practice in Oneonta, and in what?
Across 24 fields, Oneonta carries 196 enumerated clinicians, 125.0 per 10,000 of the 15,679 people living here. The concentration is in physical, occupational, and speech therapy, 64 of the total, then primary care and family medicine at 25. Count practices from that only with care.
02What does Otsego County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Otsego County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 15,679 residents gets past the question of who would take the job.
03Why does Otsego County show so little SBA activity?
The published file records 1 7(a) and 504 approvals to healthcare borrowers in Otsego County. That tracks how few Otsego County practices changed hands that year, not credit quality. 27 credit intermediation establishments operate in Otsego County, so the lending capacity is local even where the healthcare history is not.
04Is Oneonta underwritten as part of Utica-Rome, NY?
Partly. Utica-Rome, NY is 45 miles out, so rent and equipment comparables travel in from there while patients still come from the 15,679 residents around Oneonta. Cost side metro, revenue side local.
05How does the hospital in Oneonta affect a practice file?
It makes the staffing and referral lines checkable. 4 Medicare-certified providers hold Oneonta addresses, and the hospital sets the wage a clinical hire is bid against in a 125.0 per 10,000 market.
06Is there local lending capacity in Otsego County?
County Business Patterns records 27 credit intermediation establishments in Otsego County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Oneonta rents and resale before or by somebody working from a screen.
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
- 4CMS Care Compare provider datasets
- 5U.S. Small Business Administration, 7(a) and 504 approvals
- 6U.S. Census Bureau, County Business Patterns 2022
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