Greene County, Ohio: commercial real estate data.
Greene County, Ohio has a population of 169,688 across 414 square miles, up 2.6 percent since the 2020 census base. County output reached $14.73 bn in 2024, 3,266 establishments operate here, and the SBA record carries 176 7(a) approvals worth $86.4 m.
129 sourced county values · tier FULL · 12 sections
Greene County
How many people live in Greene County
- Population169,688
- Households68,166
- Average household size2.49
- Median household income$87,309
- Median age38.7
- Median gross rent$1,135 per month
- Median owner-occupied home value$252,200
- Home value to household income2.9 times
- Annual rent as a share of median income15.6 percent
- Adults 25 and over with a bachelor degree or higher41.7 percent
- Adults 25 and over with a graduate degree20.1 percent
- Adults 25 and over115,464
- Population under 1834,890
- Share under 1820.6 percent
- Population 65 and over31,551
- Share 65 and over18.6 percent
- Working age population, 18 to 64103,247
- Civilian labor force85,091
- Unemployment rate4.3 percent
- Labor force participation, adults 18 and over63.1 percent
- Rank by population among Ohio counties18th of 88
- Rank by population among US county-equivalents404th
Greene County is the 18th largest of 88 Ohio counties by population. A median home costs 2.9 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 20.6 percent against 18.6 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Greene County
Is Greene County growing
- Population change since the 2020 census base2.61 percent
- Census 2020 base population167,965
- Births, 20241,640
- Deaths, 20241,617
- Natural change, 202423
- Net domestic migration, 20241,273
- Net international migration, 2024726
- Total net migration, 20241,999
- Cumulative net domestic migration, 2021 to 20242,679
- Rank by growth among US county-equivalents980th
The county has grown 2.61 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.
Greene County
Where people moving to Greene County come from
- Tax returns filed by households arriving6,207
- People arriving, from those returns10,805
- Adjusted gross income arriving$390.9 m
- Net adjusted gross income movement$0
- Average income of an arriving household$62,984
- Largest single originGreene County Non-migrants (62,623 households)
- Largest single destination (62,623 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Greene County Non-migrants | 62,623 | 125,088 | $5.87 bn |
| Montgomery County | 2,338 | 3,965 | $131.5 m |
| Other flows - Different State | 1,724 | 3,297 | $131.3 m |
| Other flows - South | 875 | 1,677 | $62.6 m |
| Clark County | 397 | 630 | $16.8 m |
| Other flows - Midwest | 342 | 646 | $25.0 m |
| Other flows - Same State | 328 | 488 | $16.3 m |
| Other flows - West | 316 | 635 | $31.0 m |
The largest single source of arrivals is Greene 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.
Greene County
What the Greene County economy runs on
- County GDP, 2024$14.73 bn
- County GDP, 2023$13.63 bn
- GDP change, 2023 to 20248.1 percent
- GDP change over five years36.3 percent
- Rank by GDP among Ohio counties13th
- Rank by GDP among US county-equivalents328th
- GDP per resident$86,804
Output grew 8.1 percent in the latest year and 36.3 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.
Greene County
Who employs people in Greene County
- Covered employment, annual average80,197
- Establishments reporting4,168
- Average annual pay$72,302
- Average weekly wage$1,390
- Sector 54, employment11,712
- Sector 54, average annual pay$119,220
- Sector 44-45, employment9,784
- Sector 44-45, average annual pay$34,660
- Sector 62, employment8,518
- Sector 62, average annual pay$55,900
- Sector 72, employment8,508
- Sector 72, average annual pay$22,911
- Sector 31-33, employment3,722
- Sector 61, employment2,146
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 54 | 11,712 | 782 | $119,220 |
| Sector 44-45 | 9,784 | 547 | $34,660 |
| Sector 62 | 8,518 | 479 | $55,900 |
| Sector 72 | 8,508 | 396 | $22,911 |
| Sector 31-33 | 3,722 | 134 | $74,353 |
| Sector 61 | 2,146 | 61 | $44,981 |
| Sector 81 | 1,759 | 286 | $34,834 |
| Sector 56 | 1,616 | 242 | $48,809 |
The largest sector is the biggest private employer group at 11,712 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.
Greene County
What businesses operate in Greene County
- Establishments, all industries3,266
- Employment at those establishments58,026
- Annual payroll$3.26 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.
Greene County
What is being built in Greene County
- Housing units authorised by permit, 2024797
- Declared construction value permitted$324.9 m
- Single family units authorised647
- Multifamily units authorised150
- Multifamily share of units18.8 percent
- Average declared value per unit$407,650
- Units authorised per 1,000 households11.7
Multifamily is 18.8 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Greene County
How much SBA lending happens in Greene County
- 7(a) approvals recorded176
- 7(a) gross approval dollars$86.4 m
- Average 7(a) approval$490,961
- Median 7(a) approval$145,000
- 10th percentile approval$25,000
- 90th percentile approval$1,475,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)1,666
- Jobs per approval9.5
- Distinct 7(a) lenders active29
- Distinct industries receiving approvals84
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer15.3 percent
- Loans on real estate terms27
- Loans on working capital terms, 120 months or shorter142
- Franchise loans26
- Franchise share of approvals14.8 percent
- Leading industry by approval countAll Other Specialty Trade Contractors (9)
- Most active lenderThe Huntington National Bank (82)
- 504 approvals recorded29
- 504 gross approval dollars$15.1 m
- Average 504 approval$519,931
- Median 504 approval$231,000
- Distinct CDCs active6
- 504 jobs per approval6.9
- 504 jobs per million dollars approved13.3
- Most active CDCCitywide Small Business Development Corporation (15)
- 7(a) share of SBA approvals85.9 percent
- Combined SBA approval dollars$101.5 m
The average approval of $490,961 sits well above the median of $145,000, 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 15.3 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.
Greene County
Do SBA loans in Greene County get paid back
- Loans with a final outcome recorded37
- Paid in full36
- Charged off1
- Charge off rate on resolved loans2.7 percent
- Status: Cancelled21
- Status: Paid in full36
- Status: Exempt from disclosure106
- Status: Charged off1
- Status: Committed, not yet disbursed12
Of the 37 loans that have reached a final outcome, 2.7 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.
Greene County
Which parts of Greene County get the lending
- Places in the county with recorded lending14
- BEAVERCREEK, approvals52
- Xenia, approvals34
- Fairborn, approvals28
- Bellbrook, approvals19
- DAYTON, approvals19
- YELLOW SPRINGS, approvals7
| Place | Approvals | Gross approval dollars |
|---|---|---|
| BEAVERCREEK | 52 | $18,463,200 |
| Xenia | 34 | $19,665,000 |
| Fairborn | 28 | $23,782,000 |
| Bellbrook | 19 | $4,453,200 |
| DAYTON | 19 | $9,304,900 |
| YELLOW SPRINGS | 7 | $6,036,900 |
| Spring Valley | 5 | $434,000 |
| CEDARVILLE | 4 | $1,888,000 |
BEAVERCREEK accounts for 52 approvals against 34 in Xenia. 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.
Greene County
How big is Greene County
- Land area414 sq mi
- Rank by land area among Ohio counties58th of 88
- Width, east to west24.8 mi
- Height, north to south20.7 mi
- Geographies sharing a boundary6
- Residents per square mile of land410
- Establishments per square mile7.89
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.
Greene County
What hazards affect Greene 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 8
- 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 8, 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 Greene 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 Greene County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population169,688
- Households68,166
- Average household size2.49
- Median household income$87,309
- Median age38.7
Common questions
Greene County questions, answered from the record.
How many people live in Greene County, Ohio?
169,688, in 68,166 households, ranking 18th of 88 Ohio counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Greene County growing?
The population has grown 2.61 percent since the 2020 census base. In 2024 there were 1,640 births against 1,617 deaths, with net migration of 1,999. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Greene County?
$87,309. The median owner-occupied home is valued at $252,200, which is 2.9 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 Greene County?
3,266 establishments, employing 58,026 people with an annual payroll of $3.26 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 Greene County?
Average annual pay is $72,302, or $1,390 a week, across 80,197 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Greene County?
176 7(a) approvals totalling $86.4 m since FY2020, across 29 lenders, with a median approval of $145,000, plus 29 504 approvals worth $15.1 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Greene County get paid back?
Of the 37 loans that have reached a final outcome, 36 were paid in full and 1 charged off, a charge off rate of 2.7 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Greene County?
797 housing units were authorised by permit in 2024, with a declared construction value of $324.9 m. Multifamily was 18.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Greene 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 Greene County come from?
The largest single origin is Greene County Non-migrants, with 62,623 households. Arriving households report an average income of $62,984 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 Greene 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 Greene 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.