Ashland County, Ohio: commercial real estate data.
Ashland County, Ohio has a population of 52,256 across 423 square miles, down 0.0 percent since the 2020 census base. County output reached $2.45 bn in 2024, 1,021 establishments operate here, and the SBA record carries 85 7(a) approvals worth $16.9 m.
127 sourced county values · tier FULL · 12 sections
Ashland County
How many people live in Ashland County
- Population52,256
- Households20,720
- Average household size2.52
- Median household income$69,860
- Median age41.2
- Median gross rent$888 per month
- Median owner-occupied home value$186,800
- 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 higher22.6 percent
- Adults 25 and over with a graduate degree7.4 percent
- Adults 25 and over36,027
- Population under 1811,760
- Share under 1822.5 percent
- Population 65 and over10,587
- Share 65 and over20.3 percent
- Working age population, 18 to 6429,909
- Civilian labor force25,448
- Unemployment rate3.6 percent
- Labor force participation, adults 18 and over62.8 percent
- Rank by population among Ohio counties48th of 88
- Rank by population among US county-equivalents983rd
Ashland County is the 48th largest of 88 Ohio 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 22.5 percent against 20.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Ashland County
Is Ashland County growing
- Population change since the 2020 census base-0.04 percent
- Census 2020 base population52,442
- Births, 2024584
- Deaths, 2024649
- Natural change, 2024-65
- Net domestic migration, 2024294
- Net international migration, 202414
- Total net migration, 2024308
- Cumulative net domestic migration, 2021 to 2024423
- Rank by growth among US county-equivalents1844th
The county has lost 0.04 percent of its population 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.
Ashland County
Where people moving to Ashland County come from
- Tax returns filed by households arriving1,367
- People arriving, from those returns2,423
- Adjusted gross income arriving$70.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$51,587
- Largest single originAshland County Non-migrants (20,523 households)
- Largest single destination (20,523 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Ashland County Non-migrants | 20,523 | 39,944 | $1.35 bn |
| Other flows - Different State | 299 | 549 | $17.7 m |
| Richland County | 283 | 520 | $13.0 m |
| Wayne County | 199 | 361 | $9.9 m |
| Other flows - Same State | 160 | 293 | $9.0 m |
| Other flows - South | 143 | 247 | $7.6 m |
| Medina County | 74 | 112 | $4.0 m |
| Lorain County | 67 | 119 | $3.8 m |
The largest single source of arrivals is Ashland 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.
Ashland County
What the Ashland County economy runs on
- County GDP, 2024$2.45 bn
- County GDP, 2023$2.34 bn
- GDP change, 2023 to 20244.3 percent
- GDP change over five years27.3 percent
- Rank by GDP among Ohio counties58th
- Rank by GDP among US county-equivalents1116th
- GDP per resident$46,803
Output grew 4.3 percent in the latest year and 27.3 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.
Ashland County
Who employs people in Ashland County
- Covered employment, annual average18,904
- Establishments reporting1,236
- Average annual pay$48,877
- Average weekly wage$940
- Sector 31-33, employment3,278
- Sector 31-33, average annual pay$58,990
- Sector 44-45, employment2,308
- Sector 44-45, average annual pay$32,330
- Sector 72, employment1,679
- Sector 72, average annual pay$20,497
- Sector 54, employment1,343
- Sector 54, average annual pay$67,593
- Sector 23, employment827
- Sector 42, employment651
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 3,278 | 95 | $58,990 |
| Sector 44-45 | 2,308 | 158 | $32,330 |
| Sector 72 | 1,679 | 93 | $20,497 |
| Sector 54 | 1,343 | 101 | $67,593 |
| Sector 23 | 827 | 105 | $74,088 |
| Sector 42 | 651 | 70 | $65,033 |
| Sector 48-49 | 612 | 54 | $61,614 |
| Sector 81 | 558 | 109 | $28,736 |
The largest sector is the biggest private employer group at 3,278 jobs, 17.3 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.
Ashland County
What businesses operate in Ashland County
- Establishments, all industries1,021
- Employment at those establishments17,851
- Annual payroll$798.3 m
- Establishments per 1,000 residents19.5
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.
Ashland County
What is being built in Ashland County
- Housing units authorised by permit, 202457
- Declared construction value permitted$14.9 m
- Single family units authorised57
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$261,398
- Units authorised per 1,000 households2.8
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Ashland County
How much SBA lending happens in Ashland County
- 7(a) approvals recorded85
- 7(a) gross approval dollars$16.9 m
- Average 7(a) approval$198,653
- Median 7(a) approval$50,000
- 10th percentile approval$20,000
- 90th percentile approval$240,000
- Largest single approval$3,150,000
- Jobs reported supported, 7(a)286
- Jobs per approval3.4
- Distinct 7(a) lenders active14
- Distinct industries receiving approvals41
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer7.1 percent
- Loans on real estate terms6
- Loans on working capital terms, 120 months or shorter78
- Franchise loans3
- Franchise share of approvals3.5 percent
- Leading industry by approval countGeneral Freight Trucking, Long-Distance, Truckload (11)
- Most active lenderThe Huntington National Bank (67)
- 504 approvals recorded14
- 504 gross approval dollars$4.0 m
- Average 504 approval$288,143
- Median 504 approval$227,000
- Distinct CDCs active5
- 504 jobs per approval4.3
- 504 jobs per million dollars approved14.9
- Most active CDCCascade Capital Corporation (5)
- 7(a) share of SBA approvals85.9 percent
- Combined SBA approval dollars$20.9 m
The average approval of $198,653 sits well above the median of $50,000, 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 7.1 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.
Ashland County
Do SBA loans in Ashland County get paid back
- Loans with a final outcome recorded15
- Paid in full15
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Paid in full15
- Status: Cancelled11
- Status: Exempt from disclosure54
- Status: Committed, not yet disbursed5
Of the 15 loans that have reached a final outcome, 0.0 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Ashland County
Which parts of Ashland County get the lending
- Places in the county with recorded lending8
- ASHLAND, approvals55
- NOVA, approvals7
- Sullivan, approvals6
- Jeromesville, approvals6
- Loudonville, approvals5
- Polk, approvals4
| Place | Approvals | Gross approval dollars |
|---|---|---|
| ASHLAND | 55 | $15,412,300 |
| NOVA | 7 | $216,200 |
| Sullivan | 6 | $157,000 |
| Jeromesville | 6 | $293,200 |
| Loudonville | 5 | $302,200 |
| Polk | 4 | $292,600 |
| Rome | 1 | $50,000 |
| PERRYSVILLE | 1 | $162,000 |
ASHLAND accounts for 55 approvals against 7 in NOVA. 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.
Ashland County
How big is Ashland County
- Land area423 sq mi
- Rank by land area among Ohio counties50th of 88
- Width, east to west16.3 mi
- Height, north to south35.3 mi
- Geographies sharing a boundary7
- Residents per square mile of land124
- Establishments per square mile2.41
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.
Ashland County
What hazards affect Ashland County
- EPA radon zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
- Communities in the NFIP Community Status Book7
- Of those, participating in the NFIP5
- NFIP participation rate71.4 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.
- 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 Ashland 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 Ashland County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population52,256
- Households20,720
- Average household size2.52
- Median household income$69,860
- Median age41.2
Common questions
Ashland County questions, answered from the record.
How many people live in Ashland County, Ohio?
52,256, in 20,720 households, ranking 48th of 88 Ohio counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Ashland County growing?
The population has fallen 0.04 percent since the 2020 census base. In 2024 there were 584 births against 649 deaths, with net migration of 308. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Ashland County?
$69,860. The median owner-occupied home is valued at $186,800, which is 2.7 times income, and median gross rent is $888 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Ashland County?
1,021 establishments, employing 17,851 people with an annual payroll of $798.3 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 Ashland County?
Average annual pay is $48,877, or $940 a week, across 18,904 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Ashland County?
85 7(a) approvals totalling $16.9 m since FY2020, across 14 lenders, with a median approval of $50,000, plus 14 504 approvals worth $4.0 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Ashland County get paid back?
Of the 15 loans that have reached a final outcome, 15 were paid in full and 0 charged off, a charge off rate of 0.0 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Ashland County?
57 housing units were authorised by permit in 2024, with a declared construction value of $14.9 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Ashland 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 Ashland County come from?
The largest single origin is Ashland County Non-migrants, with 20,523 households. Arriving households report an average income of $51,587 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 Ashland 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 Ashland 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.