Adams County, Indiana: commercial real estate data.
Adams County, Indiana has a population of 36,227 across 339 square miles, up 2.1 percent since the 2020 census base. County output reached $2.32 bn in 2024, 768 establishments operate here, and the SBA record carries 13 7(a) approvals worth $6.5 m.
118 sourced county values · tier FULL · 11 sections
Adams County
How many people live in Adams County
- Population36,227
- Households12,401
- Average household size2.92
- Median household income$65,289
- Median age33.2
- Median gross rent$833 per month
- Median owner-occupied home value$178,400
- Home value to household income2.7 times
- Annual rent as a share of median income15.3 percent
- Adults 25 and over with a bachelor degree or higher16.2 percent
- Adults 25 and over with a graduate degree5.1 percent
- Adults 25 and over21,694
- Population under 1811,335
- Share under 1831.3 percent
- Population 65 and over5,921
- Share 65 and over16.3 percent
- Working age population, 18 to 6418,971
- Civilian labor force15,969
- Unemployment rate2.8 percent
- Labor force participation, adults 18 and over64.2 percent
- Rank by population among Indiana counties43rd of 92
- Rank by population among US county-equivalents1311th
Adams County is the 43rd largest of 92 Indiana counties by population. A median home costs 2.7 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 31.3 percent against 16.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Adams County
Is Adams County growing
- Population change since the 2020 census base2.14 percent
- Census 2020 base population35,819
- Births, 2024637
- Deaths, 2024307
- Natural change, 2024330
- Net domestic migration, 2024-268
- Net international migration, 202457
- Total net migration, 2024-211
- Cumulative net domestic migration, 2021 to 2024-665
- Rank by growth among US county-equivalents1121st
The county has grown 2.14 percent since the 2020 census base. Births exceeded deaths in 2024 but more people left than arrived, so the population is being sustained internally rather than attracting.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Adams County
Where people moving to Adams County come from
- Tax returns filed by households arriving549
- People arriving, from those returns1,003
- Adjusted gross income arriving$25.4 m
- Net adjusted gross income movement$0
- Average income of an arriving household$46,344
- Largest single originAdams County Non-migrants (12,792 households)
- Largest single destination (12,792 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Adams County Non-migrants | 12,792 | 31,137 | $966.0 m |
| Other flows - Different State | 162 | 287 | $8.2 m |
| Allen County | 139 | 271 | $6.5 m |
| Other flows - Same State | 121 | 199 | $5.5 m |
| Wells County | 98 | 188 | $4.2 m |
| Other flows - Midwest | 85 | 144 | $3.9 m |
| Other flows - South | 49 | 86 | $2.2 m |
| Jay County | 29 | 58 | $1.1 m |
The largest single source of arrivals is Adams County Non-migrants, 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.
Adams County
What the Adams County economy runs on
- County GDP, 2024$2.32 bn
- County GDP, 2023$2.23 bn
- GDP change, 2023 to 20243.8 percent
- GDP change over five years31.4 percent
- Rank by GDP among Indiana counties39th
- Rank by GDP among US county-equivalents1166th
- GDP per resident$63,976
Output grew 3.8 percent in the latest year and 31.4 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.
Adams County
Who employs people in Adams County
- Covered employment, annual average12,932
- Establishments reporting786
- Average annual pay$49,465
- Average weekly wage$951
- Sector 31-33, employment4,062
- Sector 31-33, average annual pay$61,182
- Sector 44-45, employment1,644
- Sector 44-45, average annual pay$33,711
- Sector 72, employment821
- Sector 72, average annual pay$15,475
- Sector 62, employment810
- Sector 62, average annual pay$37,126
- Sector 42, employment561
- Sector 23, employment528
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 4,062 | 64 | $61,182 |
| Sector 44-45 | 1,644 | 124 | $33,711 |
| Sector 72 | 821 | 52 | $15,475 |
| Sector 62 | 810 | 48 | $37,126 |
| Sector 42 | 561 | 43 | $74,599 |
| Sector 23 | 528 | 87 | $57,926 |
| Sector 56 | 387 | 51 | $35,705 |
| Sector 81 | 353 | 70 | $31,337 |
The largest sector is the biggest private employer group at 4,062 jobs, 31.4 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Adams County
What businesses operate in Adams County
- Establishments, all industries768
- Employment at those establishments11,967
- Annual payroll$582.4 m
- Establishments per 1,000 residents21.2
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Adams County
What is being built in Adams County
- Housing units authorised by permit, 202485
- Declared construction value permitted$21.5 m
- Single family units authorised81
- Multifamily units authorised4
- Multifamily share of units4.7 percent
- Average declared value per unit$252,414
- Units authorised per 1,000 households6.9
Multifamily is 4.7 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Adams County
How much SBA lending happens in Adams County
- 7(a) approvals recorded13
- 7(a) gross approval dollars$6.5 m
- Average 7(a) approval$499,123
- Median 7(a) approval$126,000
- 10th percentile approval$50,000
- 90th percentile approval$580,000
- Largest single approval$4,725,000
- Jobs reported supported, 7(a)81
- Jobs per approval6.2
- Distinct 7(a) lenders active6
- Distinct industries receiving approvals9
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer0.0 percent
- Loans on real estate terms0
- Loans on working capital terms, 120 months or shorter12
- Franchise loans1
- Franchise share of approvals7.7 percent
- Leading industry by approval countGeneral Freight Trucking, Local (4)
- Most active lender1st Source Bank (5)
- 504 approvals recorded6
- 504 gross approval dollars$1.8 m
- Average 504 approval$292,167
- Median 504 approval$248,000
- Distinct CDCs active3
- 504 jobs per approval9.3
- 504 jobs per million dollars approved31.9
- Most active CDCIndiana Statewide Certified Development Corporation (2)
- 7(a) share of SBA approvals68.4 percent
- Combined SBA approval dollars$8.2 m
The average approval of $499,123 sits well above the median of $126,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 0.0 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.
Adams County
Do SBA loans in Adams County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Exempt from disclosure12
- Status: Paid in full1
Too few loans have reached a final outcome to publish a charge off rate. only 1 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Adams County
Which parts of Adams County get the lending
- Places in the county with recorded lending5
- Decatur, approvals8
- GENEVA, approvals2
- Monroe, approvals1
- BERNE, approvals1
- BLUFFTON, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Decatur | 8 | $1,455,600 |
| GENEVA | 2 | $158,000 |
| Monroe | 1 | $50,000 |
| BERNE | 1 | $4,725,000 |
| BLUFFTON | 1 | $100,000 |
Decatur accounts for 8 approvals against 2 in GENEVA. 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.
Adams County
How big is Adams County
- Land area339 sq mi
- Rank by land area among Indiana counties71st of 92
- Width, east to west14.2 mi
- Height, north to south24.5 mi
- Geographies sharing a boundary3
- Residents per square mile of land107
- Establishments per square mile2.27
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.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Adams 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 Adams County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population36,227
- Households12,401
- Average household size2.92
- Median household income$65,289
- Median age33.2
Common questions
Adams County questions, answered from the record.
How many people live in Adams County, Indiana?
36,227, in 12,401 households, ranking 43rd of 92 Indiana counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Adams County growing?
The population has grown 2.14 percent since the 2020 census base. In 2024 there were 637 births against 307 deaths, with net migration of -211. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Adams County?
$65,289. The median owner-occupied home is valued at $178,400, which is 2.7 times income, and median gross rent is $833 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Adams County?
768 establishments, employing 11,967 people with an annual payroll of $582.4 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Adams County?
Average annual pay is $49,465, or $951 a week, across 12,932 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Adams County?
13 7(a) approvals totalling $6.5 m since FY2020, across 6 lenders, with a median approval of $126,000, plus 6 504 approvals worth $1.8 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Adams County?
85 housing units were authorised by permit in 2024, with a declared construction value of $21.5 m. Multifamily was 4.7 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Adams County?
Zone 1, a predicted average indoor radon screening level greater than 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 Adams County come from?
The largest single origin is Adams County Non-migrants, with 12,792 households. Arriving households report an average income of $46,344 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Adams 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 Adams County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.