Hamilton County, Ohio: commercial real estate data.
Hamilton County, Ohio has a population of 830,774 across 406 square miles, up 0.8 percent since the 2020 census base. County output reached $107.28 bn in 2024, 21,087 establishments operate here, and the SBA record carries 1,572 7(a) approvals worth $647.1 m.
129 sourced county values · tier FULL · 12 sections
Hamilton County
How many people live in Hamilton County
- Population830,774
- Households354,739
- Average household size2.34
- Median household income$72,470
- Median age36.9
- Median gross rent$1,075 per month
- Median owner-occupied home value$241,900
- Home value to household income3.3 times
- Annual rent as a share of median income17.8 percent
- Adults 25 and over with a bachelor degree or higher41.8 percent
- Adults 25 and over with a graduate degree16.9 percent
- Adults 25 and over562,883
- Population under 18190,879
- Share under 1823.0 percent
- Population 65 and over137,755
- Share 65 and over16.6 percent
- Working age population, 18 to 64502,140
- Civilian labor force437,099
- Unemployment rate5.0 percent
- Labor force participation, adults 18 and over68.3 percent
- Rank by population among Ohio counties3rd of 88
- Rank by population among US county-equivalents75th
Hamilton County is the 3rd largest of 88 Ohio counties by population. A median home costs 3.3 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 23.0 percent against 16.6 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Hamilton County
Is Hamilton County growing
- Population change since the 2020 census base0.81 percent
- Census 2020 base population830,636
- Births, 202410,267
- Deaths, 20247,956
- Natural change, 20242,311
- Net domestic migration, 2024-3,624
- Net international migration, 20247,120
- Total net migration, 20243,496
- Cumulative net domestic migration, 2021 to 2024-17,990
- Rank by growth among US county-equivalents1549th
The county has grown 0.81 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.
Hamilton County
Where people moving to Hamilton County come from
- Tax returns filed by households arriving18,150
- People arriving, from those returns27,902
- Adjusted gross income arriving$1.35 bn
- Net adjusted gross income movement$0
- Average income of an arriving household$74,542
- Largest single originHamilton County Non-migrants (321,941 households)
- Largest single destination (321,941 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Hamilton County Non-migrants | 321,941 | 613,479 | $35.73 bn |
| Other flows - Different State | 3,468 | 5,487 | $257.7 m |
| Butler County | 2,819 | 4,653 | $142.4 m |
| Other flows - South | 1,633 | 2,641 | $110.9 m |
| Clermont County | 1,632 | 2,544 | $100.1 m |
| Warren County | 1,213 | 1,810 | $127.8 m |
| Kenton County | 866 | 1,342 | $57.2 m |
| Other flows - Midwest | 786 | 1,192 | $56.9 m |
The largest single source of arrivals is Hamilton 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.
Hamilton County
What the Hamilton County economy runs on
- County GDP, 2024$107.28 bn
- County GDP, 2023$103.73 bn
- GDP change, 2023 to 20243.4 percent
- GDP change over five years29.3 percent
- Rank by GDP among Ohio counties3rd
- Rank by GDP among US county-equivalents55th
- GDP per resident$129,127
Output grew 3.4 percent in the latest year and 29.3 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.
Hamilton County
Who employs people in Hamilton County
- Covered employment, annual average515,652
- Establishments reporting27,215
- Average annual pay$76,924
- Average weekly wage$1,479
- Sector 62, employment92,205
- Sector 62, average annual pay$70,917
- Sector 31-33, employment48,677
- Sector 31-33, average annual pay$109,302
- Sector 72, employment45,133
- Sector 72, average annual pay$25,454
- Sector 44-45, employment39,342
- Sector 44-45, average annual pay$39,036
- Sector 54, employment36,662
- Sector 56, employment31,237
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 92,205 | 3,312 | $70,917 |
| Sector 31-33 | 48,677 | 1,146 | $109,302 |
| Sector 72 | 45,133 | 2,214 | $25,454 |
| Sector 44-45 | 39,342 | 2,620 | $39,036 |
| Sector 54 | 36,662 | 4,138 | $111,205 |
| Sector 56 | 31,237 | 1,724 | $49,615 |
| Sector 52 | 28,819 | 1,618 | $120,048 |
| Sector 55 | 26,702 | 322 | $138,792 |
The largest sector is the biggest private employer group at 92,205 jobs, 17.9 percent of covered employment. Average pay per job exceeds median household income, which usually means single earner households and a wage base that can carry rent.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Hamilton County
What businesses operate in Hamilton County
- Establishments, all industries21,087
- Employment at those establishments529,211
- Annual payroll$37.43 bn
- Establishments per 1,000 residents25.4
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.
Hamilton County
What is being built in Hamilton County
- Housing units authorised by permit, 2024822
- Declared construction value permitted$367.9 m
- Single family units authorised566
- Multifamily units authorised256
- Multifamily share of units31.1 percent
- Average declared value per unit$447,523
- Units authorised per 1,000 households2.3
Multifamily is 31.1 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Hamilton County
How much SBA lending happens in Hamilton County
- 7(a) approvals recorded1,572
- 7(a) gross approval dollars$647.1 m
- Average 7(a) approval$411,631
- Median 7(a) approval$150,000
- 10th percentile approval$25,000
- 90th percentile approval$1,035,600
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)18,197
- Jobs per approval11.6
- Distinct 7(a) lenders active88
- Distinct industries receiving approvals290
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer11.0 percent
- Loans on real estate terms173
- Loans on working capital terms, 120 months or shorter1,344
- Franchise loans176
- Franchise share of approvals11.2 percent
- Leading industry by approval countGeneral Freight Trucking, Long-Distance, Truckload (92)
- Most active lenderThe Huntington National Bank (797)
- 504 approvals recorded251
- 504 gross approval dollars$158.0 m
- Average 504 approval$629,470
- Median 504 approval$380,000
- Distinct CDCs active9
- 504 jobs per approval9.6
- 504 jobs per million dollars approved15.3
- Most active CDCAlloy Development Co., Inc. (227)
- 7(a) share of SBA approvals86.2 percent
- Combined SBA approval dollars$805.1 m
The average approval of $411,631 sits well above the median of $150,000, 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 11.0 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.
Hamilton County
Do SBA loans in Hamilton County get paid back
- Loans with a final outcome recorded337
- Paid in full309
- Charged off28
- Charge off rate on resolved loans8.3 percent
- Status: Exempt from disclosure942
- Status: Paid in full309
- Status: Cancelled190
- Status: Charged off28
- Status: Committed, not yet disbursed103
| NAICS | Industry | Resolved loans | Charged off | Charge off rate |
|---|---|---|---|---|
| 484121 | General Freight Trucking, Long-Distance, Truckload | 27 | 4 | 14.8% |
| 722513 | Limited-Service Restaurants | 15 | 0 | 0.0% |
| 722511 | Full-Service Restaurants | 13 | 3 | 23.1% |
Of the 337 loans that have reached a final outcome, 8.3 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, Full-Service Restaurants carries the highest charge off rate at 23.1 percent.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Hamilton County
Which parts of Hamilton County get the lending
- Places in the county with recorded lending39
- Cincinnati, approvals1,315
- Blue Ash, approvals71
- HARRISON, approvals30
- CLEVES, approvals22
- Sharonville, approvals20
- MONTGOMERY, approvals18
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Cincinnati | 1,315 | $518,161,700 |
| Blue Ash | 71 | $34,091,400 |
| HARRISON | 30 | $18,175,900 |
| CLEVES | 22 | $7,148,000 |
| Sharonville | 20 | $20,291,100 |
| MONTGOMERY | 18 | $4,215,900 |
| Loveland | 14 | $9,444,600 |
| NORTH BEND | 14 | $2,532,100 |
Cincinnati accounts for 1,315 approvals against 71 in Blue Ash. 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.
Hamilton County
How big is Hamilton County
- Land area406 sq mi
- Rank by land area among Ohio counties73rd of 88
- Width, east to west30.1 mi
- Height, north to south20 mi
- Geographies sharing a boundary3
- Residents per square mile of land2,046
- Establishments per square mile51.94
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.
Hamilton County
What hazards affect Hamilton County
- EPA radon zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
- Communities in the NFIP Community Status Book35
- Of those, participating in the NFIP35
- 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 Hamilton 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 Hamilton County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population830,774
- Households354,739
- Average household size2.34
- Median household income$72,470
- Median age36.9
Common questions
Hamilton County questions, answered from the record.
How many people live in Hamilton County, Ohio?
830,774, in 354,739 households, ranking 3rd of 88 Ohio counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Hamilton County growing?
The population has grown 0.81 percent since the 2020 census base. In 2024 there were 10,267 births against 7,956 deaths, with net migration of 3,496. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Hamilton County?
$72,470. The median owner-occupied home is valued at $241,900, which is 3.3 times income, and median gross rent is $1,075 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Hamilton County?
21,087 establishments, employing 529,211 people with an annual payroll of $37.43 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 Hamilton County?
Average annual pay is $76,924, or $1,479 a week, across 515,652 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Hamilton County?
1,572 7(a) approvals totalling $647.1 m since FY2020, across 88 lenders, with a median approval of $150,000, plus 251 504 approvals worth $158.0 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Hamilton County get paid back?
Of the 337 loans that have reached a final outcome, 309 were paid in full and 28 charged off, a charge off rate of 8.3 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Hamilton County?
822 housing units were authorised by permit in 2024, with a declared construction value of $367.9 m. Multifamily was 31.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Hamilton 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 Hamilton County come from?
The largest single origin is Hamilton County Non-migrants, with 321,941 households. Arriving households report an average income of $74,542 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 Hamilton 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 Hamilton 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.