Champaign County, Ohio: commercial real estate data.
Champaign County, Ohio has a population of 38,804 across 429 square miles, up 0.5 percent since the 2020 census base. County output reached $1.68 bn in 2024, 566 establishments operate here, and the SBA record carries 25 7(a) approvals worth $5.0 m.
125 sourced county values · tier FULL · 12 sections
Champaign County
How many people live in Champaign County
- Population38,804
- Households15,646
- Average household size2.48
- Median household income$75,556
- Median age41.7
- Median gross rent$905 per month
- Median owner-occupied home value$204,000
- Home value to household income2.7 times
- Annual rent as a share of median income14.4 percent
- Adults 25 and over with a bachelor degree or higher19.0 percent
- Adults 25 and over with a graduate degree5.2 percent
- Adults 25 and over27,444
- Population under 188,562
- Share under 1822.1 percent
- Population 65 and over7,495
- Share 65 and over19.3 percent
- Working age population, 18 to 6422,747
- Civilian labor force19,808
- Unemployment rate4.8 percent
- Labor force participation, adults 18 and over65.5 percent
- Rank by population among Ohio counties63rd of 88
- Rank by population among US county-equivalents1232nd
Champaign County is the 63rd 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 22.1 percent against 19.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Champaign County
Is Champaign County growing
- Population change since the 2020 census base0.51 percent
- Census 2020 base population38,710
- Births, 2024452
- Deaths, 2024457
- Natural change, 2024-5
- Net domestic migration, 202427
- Net international migration, 202428
- Total net migration, 202455
- Cumulative net domestic migration, 2021 to 2024354
- Rank by growth among US county-equivalents1653rd
The county has grown 0.51 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.
Champaign County
Where people moving to Champaign County come from
- Tax returns filed by households arriving1,104
- People arriving, from those returns2,027
- Adjusted gross income arriving$58.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$53,229
- Largest single originChampaign County Non-migrants (15,239 households)
- Largest single destination (15,239 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Champaign County Non-migrants | 15,239 | 30,240 | $1.00 bn |
| Clark County | 253 | 477 | $12.9 m |
| Other flows - Different State | 180 | 318 | $10.7 m |
| Other flows - Same State | 140 | 260 | $6.8 m |
| Franklin County | 125 | 206 | $7.9 m |
| Logan County | 114 | 212 | $5.1 m |
| Union County | 108 | 199 | $5.9 m |
| Other flows - South | 88 | 142 | $4.2 m |
The largest single source of arrivals is Champaign 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.
Champaign County
What the Champaign County economy runs on
- County GDP, 2024$1.68 bn
- County GDP, 2023$1.65 bn
- GDP change, 2023 to 20242.1 percent
- GDP change over five years31.4 percent
- Rank by GDP among Ohio counties69th
- Rank by GDP among US county-equivalents1423rd
- GDP per resident$43,306
Output grew 2.1 percent in the latest year and 31.4 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.
Champaign County
Who employs people in Champaign County
- Covered employment, annual average10,880
- Establishments reporting747
- Average annual pay$52,045
- Average weekly wage$1,001
- Sector 31-33, employment3,686
- Sector 31-33, average annual pay$68,702
- Sector 44-45, employment997
- Sector 44-45, average annual pay$31,987
- Sector 72, employment745
- Sector 72, average annual pay$17,651
- Sector 81, employment467
- Sector 81, average annual pay$27,422
- Sector 48-49, employment258
- Sector 23, employment255
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 3,686 | 47 | $68,702 |
| Sector 44-45 | 997 | 90 | $31,987 |
| Sector 72 | 745 | 60 | $17,651 |
| Sector 81 | 467 | 72 | $27,422 |
| Sector 48-49 | 258 | 30 | $49,788 |
| Sector 23 | 255 | 60 | $62,538 |
| Sector 52 | 169 | 29 | $59,677 |
| Sector 71 | 135 | 15 | $18,451 |
The largest sector is the biggest private employer group at 3,686 jobs, 33.9 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.
Champaign County
What businesses operate in Champaign County
- Establishments, all industries566
- Employment at those establishments8,605
- Annual payroll$442.4 m
- Establishments per 1,000 residents14.6
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.
Champaign County
What is being built in Champaign County
- Housing units authorised by permit, 202442
- Declared construction value permitted$13.3 m
- Single family units authorised42
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$317,500
- Units authorised per 1,000 households2.7
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Champaign County
How much SBA lending happens in Champaign County
- 7(a) approvals recorded25
- 7(a) gross approval dollars$5.0 m
- Average 7(a) approval$200,680
- Median 7(a) approval$111,000
- 10th percentile approval$21,000
- 90th percentile approval$350,000
- Largest single approval$1,625,000
- Jobs reported supported, 7(a)116
- Jobs per approval4.6
- Distinct 7(a) lenders active12
- Distinct industries receiving approvals21
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer4.0 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter20
- Franchise loans1
- Franchise share of approvals4.0 percent
- Leading industry by approval countOther Building Equipment Contractors (2)
- Most active lenderThe Huntington National Bank (8)
- 504 approvals recorded7
- 504 gross approval dollars$1.8 m
- Average 504 approval$260,429
- Median 504 approval$108,000
- Distinct CDCs active3
- 504 jobs per approval6.7
- 504 jobs per million dollars approved25.8
- Most active CDCOhio Statewide Development Corporation (3)
- 7(a) share of SBA approvals78.1 percent
- Combined SBA approval dollars$6.8 m
The average approval of $200,680 sits well above the median of $111,000, 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 4.0 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.
Champaign County
Do SBA loans in Champaign County get paid back
- Loans with a final outcome recorded5
- Paid in full5
- Charged off0
- Status: Paid in full5
- Status: Cancelled3
- Status: Exempt from disclosure17
Too few loans have reached a final outcome to publish a charge off rate. only 5 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.
Champaign County
Which parts of Champaign County get the lending
- Places in the county with recorded lending6
- URBANA, approvals16
- SAINT PARIS, approvals4
- North Lewisburg, approvals2
- MECHANICSBURG, approvals1
- DE GRAFF, approvals1
- WOODSTOCK, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| URBANA | 16 | $3,733,700 |
| SAINT PARIS | 4 | $799,400 |
| North Lewisburg | 2 | $128,400 |
| MECHANICSBURG | 1 | $200,000 |
| DE GRAFF | 1 | $20,000 |
| WOODSTOCK | 1 | $135,500 |
URBANA accounts for 16 approvals against 4 in SAINT PARIS. 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.
Champaign County
How big is Champaign County
- Land area429 sq mi
- Rank by land area among Ohio counties47th of 88
- Width, east to west28.6 mi
- Height, north to south18.2 mi
- Geographies sharing a boundary6
- Residents per square mile of land90
- Establishments per square mile1.32
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.
Champaign County
What hazards affect Champaign 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 NFIP7
- NFIP participation rate100.0 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.
- 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 Champaign 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 Champaign County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population38,804
- Households15,646
- Average household size2.48
- Median household income$75,556
- Median age41.7
Common questions
Champaign County questions, answered from the record.
How many people live in Champaign County, Ohio?
38,804, in 15,646 households, ranking 63rd of 88 Ohio counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Champaign County growing?
The population has grown 0.51 percent since the 2020 census base. In 2024 there were 452 births against 457 deaths, with net migration of 55. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Champaign County?
$75,556. The median owner-occupied home is valued at $204,000, which is 2.7 times income, and median gross rent is $905 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Champaign County?
566 establishments, employing 8,605 people with an annual payroll of $442.4 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 Champaign County?
Average annual pay is $52,045, or $1,001 a week, across 10,880 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Champaign County?
25 7(a) approvals totalling $5.0 m since FY2020, across 12 lenders, with a median approval of $111,000, plus 7 504 approvals worth $1.8 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Champaign County?
42 housing units were authorised by permit in 2024, with a declared construction value of $13.3 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Champaign 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 Champaign County come from?
The largest single origin is Champaign County Non-migrants, with 15,239 households. Arriving households report an average income of $53,229 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 Champaign 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 Champaign 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.