Adams County, Ohio: commercial real estate data.
Adams County, Ohio has a population of 27,540 across 584 square miles, up 0.7 percent since the 2020 census base. County output reached $1.07 bn in 2024, 421 establishments operate here, and the SBA record carries 19 7(a) approvals worth $6.5 m.
113 sourced county values · tier FULL · 12 sections
Adams County
How many people live in Adams County
- Population27,540
- Households10,421
- Average household size2.64
- Median household income$50,264
- Median age42.1
- Median gross rent$732 per month
- Median owner-occupied home value$164,200
- Home value to household income3.3 times
- Annual rent as a share of median income17.5 percent
- Adults 25 and over with a bachelor degree or higher14.9 percent
- Adults 25 and over with a graduate degree7.1 percent
- Adults 25 and over18,748
- Population under 186,569
- Share under 1823.9 percent
- Population 65 and over5,229
- Share 65 and over19.0 percent
- Working age population, 18 to 6415,742
- Civilian labor force11,155
- Unemployment rate6.4 percent
- Labor force participation, adults 18 and over53.2 percent
- Rank by population among Ohio counties78th of 88
- Rank by population among US county-equivalents1562nd
Adams County is the 78th largest of 88 Ohio counties by population. A median home costs 3.3 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 23.9 percent against 19.0 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 base0.70 percent
- Census 2020 base population27,480
- Births, 2024324
- Deaths, 2024387
- Natural change, 2024-63
- Net domestic migration, 2024116
- Net international migration, 202477
- Total net migration, 2024193
- Cumulative net domestic migration, 2021 to 2024502
- Rank by growth among US county-equivalents1588th
The county has grown 0.70 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.
Adams County
Where people moving to Adams County come from
- Tax returns filed by households arriving499
- People arriving, from those returns951
- Adjusted gross income arriving$34.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$69,066
- Largest single originAdams County Non-migrants (9,226 households)
- Largest single destination (9,226 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Adams County Non-migrants | 9,226 | 19,598 | $512.2 m |
| Other flows - Same State | 126 | 237 | $6.4 m |
| Other flows - Different State | 119 | 229 | $4.8 m |
| Other flows - South | 95 | 177 | $3.6 m |
| Brown County | 78 | 163 | $4.1 m |
| Clermont County | 71 | 122 | $3.1 m |
| Highland County | 43 | 82 | $2.6 m |
| Scioto County | 34 | 71 | $1.4 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$1.07 bn
- County GDP, 2023$973.3 m
- GDP change, 2023 to 20249.6 percent
- GDP change over five years38.0 percent
- Rank by GDP among Ohio counties80th
- Rank by GDP among US county-equivalents1796th
- GDP per resident$38,719
Output grew 9.6 percent in the latest year and 38.0 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 average6,800
- Establishments reporting672
- Average annual pay$52,396
- Average weekly wage$1,008
- Sector 44-45, employment854
- Sector 44-45, average annual pay$31,832
- Sector 31-33, employment841
- Sector 31-33, average annual pay$88,975
- Sector 72, employment575
- Sector 72, average annual pay$17,246
- Sector 23, employment449
- Sector 23, average annual pay$58,881
- Sector 42, employment237
- Sector 56, employment215
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 854 | 76 | $31,832 |
| Sector 31-33 | 841 | 34 | $88,975 |
| Sector 72 | 575 | 38 | $17,246 |
| Sector 23 | 449 | 78 | $58,881 |
| Sector 42 | 237 | 39 | $55,255 |
| Sector 56 | 215 | 30 | $23,678 |
| Sector 52 | 198 | 30 | $64,829 |
| Sector 81 | 110 | 48 | $37,902 |
The largest sector is the biggest private employer group at 854 jobs, 12.6 percent of covered employment. Average pay per job exceeds median household income, which usually means single earner households and a wage base that can carry rent.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Adams County
What businesses operate in Adams County
- Establishments, all industries421
- Employment at those establishments4,914
- Annual payroll$216.7 m
- Establishments per 1,000 residents15.3
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, 202420
- Declared construction value permitted$6.2 m
- Single family units authorised20
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$312,118
- Units authorised per 1,000 households1.9
Multifamily is 0.0 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 recorded19
- 7(a) gross approval dollars$6.5 m
- Average 7(a) approval$343,558
- Median 7(a) approval$100,500
- 10th percentile approval$25,000
- 90th percentile approval$867,700
- Largest single approval$1,900,000
- Jobs reported supported, 7(a)240
- Jobs per approval12.6
- Distinct 7(a) lenders active10
- Distinct industries receiving approvals14
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer15.8 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter15
- Franchise loans2
- Franchise share of approvals10.5 percent
- Leading industry by approval countFull-Service Restaurants (4)
- Most active lenderU.S. Bank, National Association (4)
The average approval of $343,558 sits well above the median of $100,500, 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 15.8 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.
Adams County
Do SBA loans in Adams County get paid back
- Loans with a final outcome recorded2
- Paid in full2
- Charged off0
- Status: Paid in full2
- Status: Cancelled2
- Status: Exempt from disclosure15
Too few loans have reached a final outcome to publish a charge off rate. only 2 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 lending4
- WEST UNION, approvals8
- Winchester, approvals5
- Seaman, approvals3
- PEEBLES, approvals3
| Place | Approvals | Gross approval dollars |
|---|---|---|
| WEST UNION | 8 | $4,071,000 |
| Winchester | 5 | $1,726,600 |
| Seaman | 3 | $615,000 |
| PEEBLES | 3 | $115,000 |
WEST UNION accounts for 8 approvals against 5 in Winchester. 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 area584 sq mi
- Rank by land area among Ohio counties10th of 88
- Width, east to west23.8 mi
- Height, north to south31.2 mi
- Geographies sharing a boundary4
- Residents per square mile of land47
- Establishments per square mile0.72
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.
Adams County
What hazards affect Adams County
- EPA radon zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
- Communities in the NFIP Community Status Book5
- Of those, participating in the NFIP4
- NFIP participation rate80.0 percent
- Communities carrying a CRS class0
The EPA places the county in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L.
US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001. FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
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 504 approvals recorded in this county in the FOIA release covering FY2010 onward.
- 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.
- Population27,540
- Households10,421
- Average household size2.64
- Median household income$50,264
- Median age42.1
Common questions
Adams County questions, answered from the record.
How many people live in Adams County, Ohio?
27,540, in 10,421 households, ranking 78th of 88 Ohio counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Adams County growing?
The population has grown 0.70 percent since the 2020 census base. In 2024 there were 324 births against 387 deaths, with net migration of 193. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Adams County?
$50,264. The median owner-occupied home is valued at $164,200, which is 3.3 times income, and median gross rent is $732 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Adams County?
421 establishments, employing 4,914 people with an annual payroll of $216.7 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 $52,396, or $1,008 a week, across 6,800 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?
19 7(a) approvals totalling $6.5 m since FY2020, across 10 lenders, with a median approval of $100,500. These are approvals recorded in the release, not loans disbursed.
What is being built in Adams County?
20 housing units were authorised by permit in 2024, with a declared construction value of $6.2 m. Multifamily was 0.0 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 9,226 households. Arriving households report an average income of $69,066 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.