Ashtabula County, Ohio: commercial real estate data.
Ashtabula County, Ohio has a population of 97,167 across 702 square miles, down 0.7 percent since the 2020 census base. County output reached $4.40 bn in 2024, 1,843 establishments operate here, and the SBA record carries 251 7(a) approvals worth $51.1 m.
127 sourced county values · tier FULL · 12 sections
Ashtabula County
How many people live in Ashtabula County
- Population97,167
- Households39,245
- Average household size2.48
- Median household income$57,728
- Median age43.0
- Median gross rent$828 per month
- Median owner-occupied home value$159,500
- Home value to household income2.8 times
- Annual rent as a share of median income17.2 percent
- Adults 25 and over with a bachelor degree or higher16.1 percent
- Adults 25 and over with a graduate degree5.8 percent
- Adults 25 and over68,512
- Population under 1821,230
- Share under 1821.8 percent
- Population 65 and over19,694
- Share 65 and over20.3 percent
- Working age population, 18 to 6456,243
- Civilian labor force44,800
- Unemployment rate6.6 percent
- Labor force participation, adults 18 and over59.0 percent
- Rank by population among Ohio counties28th of 88
- Rank by population among US county-equivalents636th
Ashtabula County is the 28th largest of 88 Ohio counties by population. A median home costs 2.8 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 21.8 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.
Ashtabula County
Is Ashtabula County growing
- Population change since the 2020 census base-0.69 percent
- Census 2020 base population97,580
- Births, 2024955
- Deaths, 20241,299
- Natural change, 2024-344
- Net domestic migration, 2024194
- Net international migration, 202497
- Total net migration, 2024291
- Cumulative net domestic migration, 2021 to 2024713
- Rank by growth among US county-equivalents2088th
The county has lost 0.69 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.
Ashtabula County
Where people moving to Ashtabula County come from
- Tax returns filed by households arriving1,674
- People arriving, from those returns2,900
- Adjusted gross income arriving$92.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$55,432
- Largest single originAshtabula County Non-migrants (37,347 households)
- Largest single destination (37,347 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Ashtabula County Non-migrants | 37,347 | 72,774 | $2.12 bn |
| Other flows - Different State | 545 | 975 | $27.8 m |
| Lake County | 390 | 682 | $19.0 m |
| Other flows - South | 252 | 460 | $13.0 m |
| Cuyahoga County | 146 | 220 | $6.4 m |
| Other flows - Same State | 133 | 222 | $8.2 m |
| Other flows - Northeast | 133 | 231 | $6.7 m |
| Trumbull County | 122 | 215 | $5.9 m |
The largest single source of arrivals is Ashtabula 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.
Ashtabula County
What the Ashtabula County economy runs on
- County GDP, 2024$4.40 bn
- County GDP, 2023$4.16 bn
- GDP change, 2023 to 20245.8 percent
- GDP change over five years34.5 percent
- Rank by GDP among Ohio counties35th
- Rank by GDP among US county-equivalents764th
- GDP per resident$45,242
Output grew 5.8 percent in the latest year and 34.5 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.
Ashtabula County
Who employs people in Ashtabula County
- Covered employment, annual average29,406
- Establishments reporting2,250
- Average annual pay$47,141
- Average weekly wage$907
- Sector 31-33, employment7,009
- Sector 31-33, average annual pay$62,126
- Sector 62, employment5,272
- Sector 62, average annual pay$47,159
- Sector 44-45, employment3,284
- Sector 44-45, average annual pay$31,810
- Sector 72, employment3,031
- Sector 72, average annual pay$19,383
- Sector 56, employment1,237
- Sector 23, employment1,091
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 7,009 | 163 | $62,126 |
| Sector 62 | 5,272 | 219 | $47,159 |
| Sector 44-45 | 3,284 | 291 | $31,810 |
| Sector 72 | 3,031 | 242 | $19,383 |
| Sector 56 | 1,237 | 119 | $37,774 |
| Sector 23 | 1,091 | 196 | $61,943 |
| Sector 81 | 884 | 217 | $25,422 |
| Sector 48-49 | 655 | 88 | $51,363 |
The largest sector is the biggest private employer group at 7,009 jobs, 23.8 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.
Ashtabula County
What businesses operate in Ashtabula County
- Establishments, all industries1,843
- Employment at those establishments24,616
- Annual payroll$1.10 bn
- Establishments per 1,000 residents19.0
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.
Ashtabula County
What is being built in Ashtabula County
- Housing units authorised by permit, 2024155
- Declared construction value permitted$35.0 m
- Single family units authorised140
- Multifamily units authorised15
- Multifamily share of units9.7 percent
- Average declared value per unit$226,065
- Units authorised per 1,000 households3.9
Multifamily is 9.7 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Ashtabula County
How much SBA lending happens in Ashtabula County
- 7(a) approvals recorded251
- 7(a) gross approval dollars$51.1 m
- Average 7(a) approval$203,419
- Median 7(a) approval$50,000
- 10th percentile approval$20,000
- 90th percentile approval$450,000
- Largest single approval$4,995,000
- Jobs reported supported, 7(a)917
- Jobs per approval3.7
- Distinct 7(a) lenders active20
- Distinct industries receiving approvals104
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer7.6 percent
- Loans on real estate terms19
- Loans on working capital terms, 120 months or shorter227
- Franchise loans12
- Franchise share of approvals4.8 percent
- Leading industry by approval countFull-Service Restaurants (15)
- Most active lenderThe Huntington National Bank (201)
- 504 approvals recorded12
- 504 gross approval dollars$4.4 m
- Average 504 approval$366,167
- Median 504 approval$296,000
- Distinct CDCs active4
- 504 jobs per approval6.6
- 504 jobs per million dollars approved18.0
- Most active CDCGrowth Capital Corp. (8)
- 7(a) share of SBA approvals95.4 percent
- Combined SBA approval dollars$55.5 m
The average approval of $203,419 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 7.6 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.
Ashtabula County
Do SBA loans in Ashtabula County get paid back
- Loans with a final outcome recorded45
- Paid in full45
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Cancelled17
- Status: Exempt from disclosure168
- Status: Paid in full45
- Status: Committed, not yet disbursed21
Of the 45 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.
Ashtabula County
Which parts of Ashtabula County get the lending
- Places in the county with recorded lending21
- Geneva, approvals41
- Ashtabula, approvals41
- JEFFERSON, approvals34
- Conneaut, approvals28
- Andover, approvals17
- Orwell, approvals17
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Geneva | 41 | $7,277,500 |
| Ashtabula | 41 | $8,718,200 |
| JEFFERSON | 34 | $5,530,800 |
| Conneaut | 28 | $5,347,300 |
| Andover | 17 | $5,670,800 |
| Orwell | 17 | $1,997,300 |
| ROME | 16 | $1,011,000 |
| Windsor | 11 | $1,603,300 |
Geneva accounts for 41 approvals against 41 in Ashtabula. 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.
Ashtabula County
How big is Ashtabula County
- Land area702 sq mi
- Rank by land area among Ohio counties1st of 88
- Width, east to west25 mi
- Height, north to south33 mi
- Geographies sharing a boundary3
- Residents per square mile of land138
- Establishments per square mile2.63
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.
Ashtabula County
What hazards affect Ashtabula County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book9
- Of those, participating in the NFIP9
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
The EPA places the county in radon zone 2, a predicted average indoor radon screening level from 2 to 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 Ashtabula 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 Ashtabula County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population97,167
- Households39,245
- Average household size2.48
- Median household income$57,728
- Median age43.0
Common questions
Ashtabula County questions, answered from the record.
How many people live in Ashtabula County, Ohio?
97,167, in 39,245 households, ranking 28th of 88 Ohio counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Ashtabula County growing?
The population has fallen 0.69 percent since the 2020 census base. In 2024 there were 955 births against 1,299 deaths, with net migration of 291. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Ashtabula County?
$57,728. The median owner-occupied home is valued at $159,500, which is 2.8 times income, and median gross rent is $828 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Ashtabula County?
1,843 establishments, employing 24,616 people with an annual payroll of $1.10 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Ashtabula County?
Average annual pay is $47,141, or $907 a week, across 29,406 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Ashtabula County?
251 7(a) approvals totalling $51.1 m since FY2020, across 20 lenders, with a median approval of $50,000, plus 12 504 approvals worth $4.4 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Ashtabula County get paid back?
Of the 45 loans that have reached a final outcome, 45 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 Ashtabula County?
155 housing units were authorised by permit in 2024, with a declared construction value of $35.0 m. Multifamily was 9.7 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Ashtabula County?
Zone 2, a predicted average indoor radon screening level from 2 to 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 Ashtabula County come from?
The largest single origin is Ashtabula County Non-migrants, with 37,347 households. Arriving households report an average income of $55,432 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 Ashtabula 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 Ashtabula 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.