Steuben County, Indiana: commercial real estate data.
Steuben County, Indiana has a population of 34,726 across 309 square miles, up 1.2 percent since the 2020 census base. County output reached $1.96 bn in 2024, 965 establishments operate here, and the SBA record carries 45 7(a) approvals worth $19.5 m.
121 sourced county values · tier FULL · 11 sections
Steuben County
How many people live in Steuben County
- Population34,726
- Households14,058
- Average household size2.47
- Median household income$74,911
- Median age43.5
- Median gross rent$933 per month
- Median owner-occupied home value$216,200
- Home value to household income2.9 times
- Annual rent as a share of median income14.9 percent
- Adults 25 and over with a bachelor degree or higher25.6 percent
- Adults 25 and over with a graduate degree9.2 percent
- Adults 25 and over24,033
- Population under 186,830
- Share under 1819.7 percent
- Population 65 and over7,593
- Share 65 and over21.9 percent
- Working age population, 18 to 6420,303
- Civilian labor force17,579
- Unemployment rate7.2 percent
- Labor force participation, adults 18 and over63.0 percent
- Rank by population among Indiana counties46th of 92
- Rank by population among US county-equivalents1347th
Steuben County is the 46th largest of 92 Indiana counties by population. A median home costs 2.9 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 21.9 percent against 19.7 percent, which points demand at health care, services and single storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Steuben County
Is Steuben County growing
- Population change since the 2020 census base1.21 percent
- Census 2020 base population34,444
- Births, 2024340
- Deaths, 2024384
- Natural change, 2024-44
- Net domestic migration, 2024-59
- Net international migration, 202489
- Total net migration, 202430
- Cumulative net domestic migration, 2021 to 2024461
- Rank by growth among US county-equivalents1416th
The county has grown 1.21 percent since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Steuben County
Where people moving to Steuben County come from
- Tax returns filed by households arriving956
- People arriving, from those returns1,715
- Adjusted gross income arriving$73.3 m
- Net adjusted gross income movement$0
- Average income of an arriving household$76,676
- Largest single originSteuben County Non-migrants (13,449 households)
- Largest single destination (13,449 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Steuben County Non-migrants | 13,449 | 26,700 | $1.06 bn |
| Other flows - Different State | 302 | 547 | $25.6 m |
| Allen County | 175 | 305 | $16.4 m |
| Other flows - Midwest | 169 | 318 | $18.9 m |
| DeKalb County | 145 | 265 | $7.0 m |
| Other flows - Same State | 120 | 219 | $10.6 m |
| Other flows - South | 89 | 153 | $3.3 m |
| LaGrange County | 55 | 108 | $2.4 m |
The largest single source of arrivals is Steuben 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.
Steuben County
What the Steuben County economy runs on
- County GDP, 2024$1.96 bn
- County GDP, 2023$1.93 bn
- GDP change, 2023 to 20241.4 percent
- GDP change over five years32.3 percent
- Rank by GDP among Indiana counties49th
- Rank by GDP among US county-equivalents1303rd
- GDP per resident$56,413
Output grew 1.4 percent in the latest year and 32.3 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.
Steuben County
Who employs people in Steuben County
- Covered employment, annual average16,256
- Establishments reporting1,020
- Average annual pay$49,004
- Average weekly wage$942
- Sector 31-33, employment5,068
- Sector 31-33, average annual pay$55,495
- Sector 44-45, employment2,086
- Sector 44-45, average annual pay$30,067
- Sector 72, employment1,346
- Sector 72, average annual pay$19,145
- Sector 56, employment866
- Sector 56, average annual pay$46,328
- Sector 48-49, employment726
- Sector 23, employment538
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 5,068 | 100 | $55,495 |
| Sector 44-45 | 2,086 | 146 | $30,067 |
| Sector 72 | 1,346 | 86 | $19,145 |
| Sector 56 | 866 | 59 | $46,328 |
| Sector 48-49 | 726 | 45 | $77,373 |
| Sector 23 | 538 | 96 | $60,150 |
| Sector 81 | 457 | 81 | $53,117 |
| Sector 54 | 328 | 72 | $78,941 |
The largest sector is the biggest private employer group at 5,068 jobs, 31.2 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.
Steuben County
What businesses operate in Steuben County
- Establishments, all industries965
- Employment at those establishments14,322
- Annual payroll$635.0 m
- Establishments per 1,000 residents27.8
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.
Steuben County
What is being built in Steuben County
- Housing units authorised by permit, 2024209
- Declared construction value permitted$74.3 m
- Single family units authorised135
- Multifamily units authorised74
- Multifamily share of units35.4 percent
- Average declared value per unit$355,627
- Units authorised per 1,000 households14.9
Multifamily is 35.4 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Steuben County
How much SBA lending happens in Steuben County
- 7(a) approvals recorded45
- 7(a) gross approval dollars$19.5 m
- Average 7(a) approval$432,449
- Median 7(a) approval$209,000
- 10th percentile approval$50,000
- 90th percentile approval$1,139,200
- Largest single approval$3,500,000
- Jobs reported supported, 7(a)340
- Jobs per approval7.6
- Distinct 7(a) lenders active16
- Distinct industries receiving approvals30
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer17.8 percent
- Loans on real estate terms8
- Loans on working capital terms, 120 months or shorter34
- Franchise loans6
- Franchise share of approvals13.3 percent
- Leading industry by approval countAll Other Amusement and Recreation Industries (3)
- Most active lenderSTAR Financial Bank (12)
- 504 approvals recorded19
- 504 gross approval dollars$11.1 m
- Average 504 approval$584,186
- Median 504 approval$396,000
- Distinct CDCs active4
- 504 jobs per approval3.7
- 504 jobs per million dollars approved6.4
- Most active CDCCommunity Development Corporation of Fort Wayne (15)
- 7(a) share of SBA approvals70.3 percent
- Combined SBA approval dollars$30.6 m
The average approval of $432,449 sits well above the median of $209,000, 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 17.8 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.
Steuben County
Do SBA loans in Steuben County get paid back
- Loans with a final outcome recorded6
- Paid in full6
- Charged off0
- Status: Exempt from disclosure32
- Status: Paid in full6
- Status: Cancelled3
- Status: Committed, not yet disbursed4
Too few loans have reached a final outcome to publish a charge off rate. only 6 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.
Steuben County
Which parts of Steuben County get the lending
- Places in the county with recorded lending6
- ANGOLA, approvals27
- FREMONT, approvals10
- Hamilton, approvals4
- PLEASANT LAKE, approvals2
- Hudson, approvals1
- BRYAN, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| ANGOLA | 27 | $11,339,600 |
| FREMONT | 10 | $6,784,900 |
| Hamilton | 4 | $996,500 |
| PLEASANT LAKE | 2 | $86,000 |
| Hudson | 1 | $160,000 |
| BRYAN | 1 | $93,200 |
ANGOLA accounts for 27 approvals against 10 in FREMONT. 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.
Steuben County
How big is Steuben County
- Land area309 sq mi
- Rank by land area among Indiana counties78th of 92
- Width, east to west20.2 mi
- Height, north to south16.1 mi
- Geographies sharing a boundary2
- Residents per square mile of land112
- Establishments per square mile3.12
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 Steuben 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 Steuben County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population34,726
- Households14,058
- Average household size2.47
- Median household income$74,911
- Median age43.5
Common questions
Steuben County questions, answered from the record.
How many people live in Steuben County, Indiana?
34,726, in 14,058 households, ranking 46th of 92 Indiana counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Steuben County growing?
The population has grown 1.21 percent since the 2020 census base. In 2024 there were 340 births against 384 deaths, with net migration of 30. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Steuben County?
$74,911. The median owner-occupied home is valued at $216,200, which is 2.9 times income, and median gross rent is $933 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Steuben County?
965 establishments, employing 14,322 people with an annual payroll of $635.0 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 Steuben County?
Average annual pay is $49,004, or $942 a week, across 16,256 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Steuben County?
45 7(a) approvals totalling $19.5 m since FY2020, across 16 lenders, with a median approval of $209,000, plus 19 504 approvals worth $11.1 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Steuben County?
209 housing units were authorised by permit in 2024, with a declared construction value of $74.3 m. Multifamily was 35.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Steuben 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 Steuben County come from?
The largest single origin is Steuben County Non-migrants, with 13,449 households. Arriving households report an average income of $76,676 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 Steuben 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 Steuben 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.