Clermont County, Ohio: commercial real estate data.
Clermont County, Ohio has a population of 211,181 across 452 square miles, up 2.6 percent since the 2020 census base. County output reached $10.61 bn in 2024, 3,773 establishments operate here, and the SBA record carries 418 7(a) approvals worth $173.1 m.
129 sourced county values · tier FULL · 12 sections
Clermont County
How many people live in Clermont County
- Population211,181
- Households84,955
- Average household size2.49
- Median household income$85,510
- Median age40.8
- Median gross rent$1,107 per month
- Median owner-occupied home value$266,200
- Home value to household income3.1 times
- Annual rent as a share of median income15.5 percent
- Adults 25 and over with a bachelor degree or higher31.6 percent
- Adults 25 and over with a graduate degree12.1 percent
- Adults 25 and over147,938
- Population under 1846,722
- Share under 1822.1 percent
- Population 65 and over38,826
- Share 65 and over18.4 percent
- Working age population, 18 to 64125,633
- Civilian labor force109,600
- Unemployment rate4.2 percent
- Labor force participation, adults 18 and over66.6 percent
- Rank by population among Ohio counties14th of 88
- Rank by population among US county-equivalents330th
Clermont County is the 14th largest of 88 Ohio counties by population. A median home costs 3.1 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 18.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Clermont County
Is Clermont County growing
- Population change since the 2020 census base2.65 percent
- Census 2020 base population208,595
- Births, 20242,166
- Deaths, 20242,130
- Natural change, 202436
- Net domestic migration, 20241,455
- Net international migration, 2024431
- Total net migration, 20241,886
- Cumulative net domestic migration, 2021 to 20244,497
- Rank by growth among US county-equivalents964th
The county has grown 2.65 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.
Clermont County
Where people moving to Clermont County come from
- Tax returns filed by households arriving5,950
- People arriving, from those returns10,114
- Adjusted gross income arriving$443.1 m
- Net adjusted gross income movement$0
- Average income of an arriving household$74,472
- Largest single originClermont County Non-migrants (81,281 households)
- Largest single destination (81,281 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Clermont County Non-migrants | 81,281 | 164,673 | $7.24 bn |
| Hamilton County | 2,220 | 3,742 | $153.5 m |
| Other flows - Different State | 1,339 | 2,433 | $114.3 m |
| Other flows - South | 682 | 1,220 | $54.6 m |
| Brown County | 458 | 806 | $19.8 m |
| Warren County | 439 | 697 | $31.5 m |
| Butler County | 341 | 584 | $20.7 m |
| Other flows - Midwest | 299 | 527 | $20.9 m |
The largest single source of arrivals is Clermont 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.
Clermont County
What the Clermont County economy runs on
- County GDP, 2024$10.61 bn
- County GDP, 2023$9.97 bn
- GDP change, 2023 to 20246.4 percent
- GDP change over five years12.9 percent
- Rank by GDP among Ohio counties18th
- Rank by GDP among US county-equivalents420th
- GDP per resident$50,226
Output grew 6.4 percent in the latest year and 12.9 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.
Clermont County
Who employs people in Clermont County
- Covered employment, annual average62,149
- Establishments reporting5,080
- Average annual pay$57,779
- Average weekly wage$1,111
- Sector 44-45, employment9,046
- Sector 44-45, average annual pay$37,497
- Sector 72, employment7,580
- Sector 72, average annual pay$22,471
- Sector 62, employment6,730
- Sector 62, average annual pay$51,818
- Sector 31-33, employment6,442
- Sector 31-33, average annual pay$68,403
- Sector 23, employment3,858
- Sector 56, employment3,662
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 9,046 | 555 | $37,497 |
| Sector 72 | 7,580 | 396 | $22,471 |
| Sector 62 | 6,730 | 454 | $51,818 |
| Sector 31-33 | 6,442 | 205 | $68,403 |
| Sector 23 | 3,858 | 539 | $67,554 |
| Sector 56 | 3,662 | 356 | $58,155 |
| Sector 48-49 | 3,531 | 119 | $71,424 |
| Sector 54 | 2,727 | 741 | $85,680 |
The largest sector is the biggest private employer group at 9,046 jobs, 14.6 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.
Clermont County
What businesses operate in Clermont County
- Establishments, all industries3,773
- Employment at those establishments55,685
- Annual payroll$2.86 bn
- Establishments per 1,000 residents17.9
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.
Clermont County
What is being built in Clermont County
- Housing units authorised by permit, 2024996
- Declared construction value permitted$247.0 m
- Single family units authorised664
- Multifamily units authorised332
- Multifamily share of units33.3 percent
- Average declared value per unit$247,979
- Units authorised per 1,000 households11.7
Multifamily is 33.3 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Clermont County
How much SBA lending happens in Clermont County
- 7(a) approvals recorded418
- 7(a) gross approval dollars$173.1 m
- Average 7(a) approval$414,079
- Median 7(a) approval$169,200
- 10th percentile approval$25,000
- 90th percentile approval$1,080,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)3,499
- Jobs per approval8.4
- Distinct 7(a) lenders active41
- Distinct industries receiving approvals147
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer14.4 percent
- Loans on real estate terms60
- Loans on working capital terms, 120 months or shorter342
- Franchise loans42
- Franchise share of approvals10.0 percent
- Leading industry by approval countLandscaping Services (21)
- Most active lenderThe Huntington National Bank (205)
- 504 approvals recorded76
- 504 gross approval dollars$53.0 m
- Average 504 approval$696,934
- Median 504 approval$352,000
- Distinct CDCs active5
- 504 jobs per approval11.1
- 504 jobs per million dollars approved16.0
- Most active CDCAlloy Development Co., Inc. (71)
- 7(a) share of SBA approvals84.6 percent
- Combined SBA approval dollars$226.1 m
The average approval of $414,079 sits well above the median of $169,200, 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 14.4 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.
Clermont County
Do SBA loans in Clermont County get paid back
- Loans with a final outcome recorded87
- Paid in full82
- Charged off5
- Charge off rate on resolved loans5.7 percent
- Status: Paid in full82
- Status: Cancelled60
- Status: Exempt from disclosure235
- Status: Charged off5
- Status: Committed, not yet disbursed36
Of the 87 loans that have reached a final outcome, 5.7 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.
Clermont County
Which parts of Clermont County get the lending
- Places in the county with recorded lending16
- MILFORD, approvals100
- Loveland, approvals97
- Cincinnati, approvals59
- Batavia, approvals49
- AMELIA, approvals43
- Goshen, approvals24
| Place | Approvals | Gross approval dollars |
|---|---|---|
| MILFORD | 100 | $47,096,200 |
| Loveland | 97 | $25,116,100 |
| Cincinnati | 59 | $33,012,900 |
| Batavia | 49 | $30,273,100 |
| AMELIA | 43 | $14,087,400 |
| Goshen | 24 | $9,394,800 |
| Bethel | 20 | $4,717,300 |
| NEW RICHMOND | 11 | $3,364,600 |
MILFORD accounts for 100 approvals against 97 in Loveland. 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.
Clermont County
How big is Clermont County
- Land area452 sq mi
- Rank by land area among Ohio counties42nd of 88
- Width, east to west17.6 mi
- Height, north to south34.5 mi
- Geographies sharing a boundary4
- Residents per square mile of land467
- Establishments per square mile8.35
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.
Clermont County
What hazards affect Clermont 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
- 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 2, a predicted average indoor radon screening level from 2 to 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 Clermont 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 Clermont County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population211,181
- Households84,955
- Average household size2.49
- Median household income$85,510
- Median age40.8
Common questions
Clermont County questions, answered from the record.
How many people live in Clermont County, Ohio?
211,181, in 84,955 households, ranking 14th of 88 Ohio counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Clermont County growing?
The population has grown 2.65 percent since the 2020 census base. In 2024 there were 2,166 births against 2,130 deaths, with net migration of 1,886. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Clermont County?
$85,510. The median owner-occupied home is valued at $266,200, which is 3.1 times income, and median gross rent is $1,107 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Clermont County?
3,773 establishments, employing 55,685 people with an annual payroll of $2.86 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 Clermont County?
Average annual pay is $57,779, or $1,111 a week, across 62,149 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Clermont County?
418 7(a) approvals totalling $173.1 m since FY2020, across 41 lenders, with a median approval of $169,200, plus 76 504 approvals worth $53.0 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Clermont County get paid back?
Of the 87 loans that have reached a final outcome, 82 were paid in full and 5 charged off, a charge off rate of 5.7 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Clermont County?
996 housing units were authorised by permit in 2024, with a declared construction value of $247.0 m. Multifamily was 33.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Clermont 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 Clermont County come from?
The largest single origin is Clermont County Non-migrants, with 81,281 households. Arriving households report an average income of $74,472 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 Clermont 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 Clermont 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.