New York micro-market
Healthcare practice financing in Rome, New York
Direct answer
Density decides a lot here. Rome runs 88.8 providers per 10,000 residents, 284 clinicians against 31,990 people, 38 percent of them in physical, occupational, and speech therapy, while Oneida County lenders have approved 9 healthcare files worth $574,100 and the nearest metro is 16 miles out.
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- Population: 31,990 residents (25K-50K band)1
- Healthcare providers registered here: 284 across 23 fields2
- Median household income: $58,8573
- Largest provider field: Physical, occupational, and speech therapy: 108 registered providers2
- Medicare-certified providers in town: 3 across 2 categories4
- Nearest metro: Utica-Rome, NY, 16 miles1
Rome clinicians, by field
284 providers across 23 fields, 88.8 per 10,000 residents, counted at Rome addresses in the NPPES monthly file
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 108 | 33.8 | NPPES [2] |
| Specialty physician groups | 27 | 8.4 | NPPES [2] |
| Chiropractic | 21 | 6.6 | NPPES [2] |
| Primary care and family medicine | 20 | 6.3 | NPPES [2] |
| General dentistry | 20 | 6.3 | NPPES [2] |
| Independent pharmacy | 12 | 3.8 | NPPES [2] |
| Optometry and ophthalmology | 11 | 3.4 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 10 | 3.1 | NPPES [2] |
| DME and HME suppliers | 9 | 2.8 | NPPES [2] |
| Med spa and aesthetics | 8 | 2.5 | NPPES [2] |
| Podiatry | 6 | 1.9 | NPPES [2] |
| Behavioral and mental health group practices | 6 | 1.9 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 5 | 1.6 | NPPES [2] |
| Dental specialties | 4 | 1.3 | NPPES [2] |
| Audiology and hearing centers | 3 | 0.9 | NPPES [2] |
| ABA and autism therapy | 3 | 0.9 | NPPES [2] |
| Dialysis and infusion centers | 3 | 0.9 | NPPES [2] |
| Home health | 2 | 0.6 | NPPES [2] |
| Telehealth and virtual clinics | 2 | 0.6 | NPPES [2] |
| Urgent care | 1 | 0.3 | NPPES [2] |
| ASCs and OBLs | 1 | 0.3 | NPPES [2] |
| SUD treatment and residential | 1 | 0.3 | NPPES [2] |
| NEMT and ambulance | 1 | 0.3 | NPPES [2] |
| Medical equipment suppliers | 9 | CMS [4] | |
| Dialysis facilities | 2 | CMS [4] | |
| Ambulatory surgical centers | 1 | CMS [4] |
Several of the 108 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
The lending record behind Rome
The county file holds 9 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| Measure | Published figure | What sits behind it |
|---|---|---|
| Approvals on record | 9 | One published fiscal year, healthcare borrowers only [5] |
| Total approved capital | $574,100 | Approved, not disbursed, and not net of withdrawals [5] |
| Mean deal size | $63,789 | A mean, so one large approval moves it [5] |
| Lenders sited in the county | 94 | Credit intermediation offices sited in the county [6] |
What the two tables above change about a file
The ratio that matters up front is 88.8 per 10,000, which decides whether a ramp schedule reads as conservative. A short county record of 9 approvals usually means more documentation and a lower advance against the same collateral. A $58,857 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
The programs this provider mix points at
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
The 23 fields practicing locally set this order. A funding partner, not this list, decides what is available in New York.
Underwriting by field in Rome
What a funder opens first depends on the field. In Rome that means physical, occupational, and speech therapy, specialty physician groups, chiropractic.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (108) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Specialty physician groups (27) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
| Chiropractic (21) | Cash plan revenue, Personal injury receivable age, Visit volume | Startup or acquisition |
Counts in the first column are Rome providers from NPPES. The other two columns describe how funders read that field across markets like Rome, not what any funder will do with your file.
Rome against nearby New York markets
Density is the number that moves an appraisal: 88.8 per 10,000 here
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Rome (current) | 31,990 | 284 | 88.8 | |
| Oneida | 10,066 | 140 | 139.1 | 14 |
| Utica | 63,660 | 661 | 103.8 | 16 |
| Fulton | 11,234 | 97 | 86.3 | 47 |
| Oswego | 17,047 | 421 | 247.0 | 53 |
| Cortland | 17,459 | 317 | 181.6 | 55 |
| Watertown | 24,038 | 412 | 171.4 | 56 |
What the geography does to a Rome projection
16 miles separate Rome from Utica-Rome, NY. Lease pricing follows Utica-Rome, NY, while revenue stays capped by the 31,990 residents here. At $58,857 median household income, the elective and cash-pay share of a projection is the line that gets tested first. The Medicare-certified hospital in Rome sets the local wage floor before you hire against it.
More of New York
Rome owners, answered
01How many providers practice in Rome, and in what?
NPPES lists 284 providers at a Rome practice address, 88.8 per 10,000 residents across 23 tracked fields. Physical, occupational, and speech therapy accounts for 108 of them, 38 percent of the total, with specialty physician groups next at 27. Read that as clinicians: 284 enumerations, not 284 owners.
02What does Oneida County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Oneida County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 31,990 residents gets past the question of who would take the job.
03Why does Oneida County show so little SBA activity?
The published file records 9 7(a) and 504 approvals to healthcare borrowers in Oneida County. That tracks how few Oneida County practices changed hands that year, not credit quality. 94 credit intermediation establishments operate in Oneida County, so the lending capacity is local even where the healthcare history is not.
04How does the hospital in Rome affect a practice file?
It makes the staffing and referral lines checkable. 3 Medicare-certified providers hold Rome addresses, and the hospital sets the wage a clinical hire is bid against in a 88.8 per 10,000 market.
05Which fields carry the volume in Rome?
Volume concentrates in physical, occupational, and speech therapy, 108 of them, ahead of specialty physician groups at 27, across 23 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
06Is Rome underwritten as part of Utica-Rome, NY?
Utica-Rome, NY sits 16 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Utica-Rome, NY; the 31,990 residents set the ceiling a projection can defend.
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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