Butler County, Ohio: commercial real estate data.
Butler County, Ohio has a population of 392,876 across 467 square miles, up 2.4 percent since the 2020 census base. County output reached $29.84 bn in 2024, 7,537 establishments operate here, and the SBA record carries 624 7(a) approvals worth $228.3 m.
129 sourced county values · tier FULL · 12 sections
Butler County
How many people live in Butler County
- Population392,876
- Households146,822
- Average household size2.68
- Median household income$81,590
- Median age37.2
- Median gross rent$1,135 per month
- Median owner-occupied home value$258,500
- Home value to household income3.2 times
- Annual rent as a share of median income16.7 percent
- Adults 25 and over with a bachelor degree or higher32.9 percent
- Adults 25 and over with a graduate degree11.7 percent
- Adults 25 and over253,984
- Population under 1891,772
- Share under 1823.4 percent
- Population 65 and over62,338
- Share 65 and over15.9 percent
- Working age population, 18 to 64238,766
- Civilian labor force199,366
- Unemployment rate5.1 percent
- Labor force participation, adults 18 and over66.2 percent
- Rank by population among Ohio counties7th of 88
- Rank by population among US county-equivalents188th
Butler County is the 7th largest of 88 Ohio counties by population. A median home costs 3.2 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 23.4 percent against 15.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Butler County
Is Butler County growing
- Population change since the 2020 census base2.35 percent
- Census 2020 base population390,352
- Births, 20244,295
- Deaths, 20243,571
- Natural change, 2024724
- Net domestic migration, 2024-763
- Net international migration, 20243,978
- Total net migration, 20243,215
- Cumulative net domestic migration, 2021 to 2024-2,357
- Rank by growth among US county-equivalents1058th
The county has grown 2.35 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Butler County
Where people moving to Butler County come from
- Tax returns filed by households arriving9,667
- People arriving, from those returns17,135
- Adjusted gross income arriving$576.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$59,671
- Largest single originButler County Non-migrants (142,783 households)
- Largest single destination (142,783 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Butler County Non-migrants | 142,783 | 292,071 | $12.27 bn |
| Hamilton County | 3,355 | 6,047 | $188.7 m |
| Other flows - Different State | 2,367 | 4,347 | $163.6 m |
| Warren County | 1,264 | 2,182 | $79.4 m |
| Other flows - South | 1,104 | 2,017 | $70.0 m |
| Other flows - Midwest | 578 | 1,052 | $46.1 m |
| Montgomery County | 548 | 914 | $29.6 m |
| Other flows - West | 355 | 689 | $25.9 m |
The largest single source of arrivals is Butler 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.
Butler County
What the Butler County economy runs on
- County GDP, 2024$29.84 bn
- County GDP, 2023$27.95 bn
- GDP change, 2023 to 20246.8 percent
- GDP change over five years32.9 percent
- Rank by GDP among Ohio counties7th
- Rank by GDP among US county-equivalents196th
- GDP per resident$75,958
Output grew 6.8 percent in the latest year and 32.9 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.
Butler County
Who employs people in Butler County
- Covered employment, annual average163,093
- Establishments reporting9,186
- Average annual pay$64,277
- Average weekly wage$1,236
- Sector 31-33, employment24,825
- Sector 31-33, average annual pay$88,102
- Sector 62, employment19,906
- Sector 62, average annual pay$59,000
- Sector 72, employment16,879
- Sector 72, average annual pay$22,459
- Sector 44-45, employment16,398
- Sector 44-45, average annual pay$39,395
- Sector 42, employment13,046
- Sector 48-49, employment10,030
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 24,825 | 458 | $88,102 |
| Sector 62 | 19,906 | 1,142 | $59,000 |
| Sector 72 | 16,879 | 829 | $22,459 |
| Sector 44-45 | 16,398 | 1,072 | $39,395 |
| Sector 42 | 13,046 | 713 | $81,347 |
| Sector 48-49 | 10,030 | 395 | $53,383 |
| Sector 23 | 9,040 | 688 | $81,216 |
| Sector 52 | 8,620 | 448 | $106,184 |
The largest sector is the biggest private employer group at 24,825 jobs, 15.2 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.
Butler County
What businesses operate in Butler County
- Establishments, all industries7,537
- Employment at those establishments148,073
- Annual payroll$8.46 bn
- Establishments per 1,000 residents19.2
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.
Butler County
What is being built in Butler County
- Housing units authorised by permit, 20241,162
- Declared construction value permitted$225.9 m
- Single family units authorised660
- Multifamily units authorised502
- Multifamily share of units43.2 percent
- Average declared value per unit$194,418
- Units authorised per 1,000 households7.9
Multifamily is 43.2 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Butler County
How much SBA lending happens in Butler County
- 7(a) approvals recorded624
- 7(a) gross approval dollars$228.3 m
- Average 7(a) approval$365,932
- Median 7(a) approval$128,000
- 10th percentile approval$25,000
- 90th percentile approval$846,700
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)6,030
- Jobs per approval9.7
- Distinct 7(a) lenders active53
- Distinct industries receiving approvals176
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer8.3 percent
- Loans on real estate terms52
- Loans on working capital terms, 120 months or shorter545
- Franchise loans97
- Franchise share of approvals15.5 percent
- Leading industry by approval countGeneral Freight Trucking, Long-Distance, Truckload (82)
- Most active lenderThe Huntington National Bank (279)
- 504 approvals recorded130
- 504 gross approval dollars$103.1 m
- Average 504 approval$792,777
- Median 504 approval$425,000
- Distinct CDCs active6
- 504 jobs per approval10.6
- 504 jobs per million dollars approved13.4
- Most active CDCAlloy Development Co., Inc. (117)
- 7(a) share of SBA approvals82.8 percent
- Combined SBA approval dollars$331.4 m
The average approval of $365,932 sits well above the median of $128,000, 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 8.3 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.
Butler County
Do SBA loans in Butler County get paid back
- Loans with a final outcome recorded143
- Paid in full141
- Charged off2
- Charge off rate on resolved loans1.4 percent
- Status: Exempt from disclosure372
- Status: Paid in full141
- Status: Cancelled69
- Status: Charged off2
- Status: Committed, not yet disbursed40
| NAICS | Industry | Resolved loans | Charged off | Charge off rate |
|---|---|---|---|---|
| 484121 | General Freight Trucking, Long-Distance, Truckload | 35 | 0 | 0.0% |
Of the 143 loans that have reached a final outcome, 1.4 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. Among industries with at least ten resolved loans, General Freight Trucking, Long-Distance, Truckload carries the highest charge off rate at 0.0 percent.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Butler County
Which parts of Butler County get the lending
- Places in the county with recorded lending24
- West Chester, approvals183
- Hamilton, approvals136
- FAIRFIELD, approvals82
- MIDDLETOWN, approvals56
- Liberty Township, approvals51
- OXFORD, approvals21
| Place | Approvals | Gross approval dollars |
|---|---|---|
| West Chester | 183 | $67,781,900 |
| Hamilton | 136 | $33,338,400 |
| FAIRFIELD | 82 | $44,110,500 |
| MIDDLETOWN | 56 | $21,831,900 |
| Liberty Township | 51 | $12,662,500 |
| OXFORD | 21 | $4,305,400 |
| FAIRFIELD TOWNSHIP | 20 | $10,824,200 |
| MONROE | 17 | $15,402,300 |
West Chester accounts for 183 approvals against 136 in Hamilton. 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.
Butler County
How big is Butler County
- Land area467 sq mi
- Rank by land area among Ohio counties33rd of 88
- Width, east to west26 mi
- Height, north to south20.6 mi
- Geographies sharing a boundary4
- Residents per square mile of land841
- Establishments per square mile16.14
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.
Butler County
What hazards affect Butler County
- EPA radon zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
- Communities in the NFIP Community Status Book12
- Of those, participating in the NFIP12
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 10
- Communities carrying a CRS class1
The EPA places the county in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. The best Community Rating System class in the county is 10, which carries a flood insurance premium discount for properties in the participating community.
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 Butler 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 Butler County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population392,876
- Households146,822
- Average household size2.68
- Median household income$81,590
- Median age37.2
Common questions
Butler County questions, answered from the record.
How many people live in Butler County, Ohio?
392,876, in 146,822 households, ranking 7th of 88 Ohio counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Butler County growing?
The population has grown 2.35 percent since the 2020 census base. In 2024 there were 4,295 births against 3,571 deaths, with net migration of 3,215. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Butler County?
$81,590. The median owner-occupied home is valued at $258,500, which is 3.2 times income, and median gross rent is $1,135 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Butler County?
7,537 establishments, employing 148,073 people with an annual payroll of $8.46 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 Butler County?
Average annual pay is $64,277, or $1,236 a week, across 163,093 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Butler County?
624 7(a) approvals totalling $228.3 m since FY2020, across 53 lenders, with a median approval of $128,000, plus 130 504 approvals worth $103.1 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Butler County get paid back?
Of the 143 loans that have reached a final outcome, 141 were paid in full and 2 charged off, a charge off rate of 1.4 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Butler County?
1,162 housing units were authorised by permit in 2024, with a declared construction value of $225.9 m. Multifamily was 43.2 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Butler 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 Butler County come from?
The largest single origin is Butler County Non-migrants, with 142,783 households. Arriving households report an average income of $59,671 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 Butler 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 Butler 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.