Hardin County, Ohio: commercial real estate data.
Hardin County, Ohio has a population of 30,475 across 470 square miles, down 0.9 percent since the 2020 census base. County output reached $1.37 bn in 2024, 421 establishments operate here, and the SBA record carries 30 7(a) approvals worth $5.2 m.
127 sourced county values · tier FULL · 12 sections
Hardin County
How many people live in Hardin County
- Population30,475
- Households11,724
- Average household size2.60
- Median household income$62,484
- Median age35.2
- Median gross rent$793 per month
- Median owner-occupied home value$151,200
- Home value to household income2.4 times
- Annual rent as a share of median income15.2 percent
- Adults 25 and over with a bachelor degree or higher19.5 percent
- Adults 25 and over with a graduate degree6.9 percent
- Adults 25 and over18,572
- Population under 186,967
- Share under 1822.9 percent
- Population 65 and over4,919
- Share 65 and over16.1 percent
- Working age population, 18 to 6418,589
- Civilian labor force14,976
- Unemployment rate4.6 percent
- Labor force participation, adults 18 and over63.7 percent
- Rank by population among Ohio counties72nd of 88
- Rank by population among US county-equivalents1466th
Hardin County is the 72nd largest of 88 Ohio counties by population. A median home costs 2.4 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 22.9 percent against 16.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Hardin County
Is Hardin County growing
- Population change since the 2020 census base-0.92 percent
- Census 2020 base population30,683
- Births, 2024352
- Deaths, 2024382
- Natural change, 2024-30
- Net domestic migration, 2024-35
- Net international migration, 202461
- Total net migration, 202426
- Cumulative net domestic migration, 2021 to 2024-218
- Rank by growth among US county-equivalents2163rd
The county has lost 0.92 percent of its population 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.
Hardin County
Where people moving to Hardin County come from
- Tax returns filed by households arriving586
- People arriving, from those returns1,054
- Adjusted gross income arriving$24.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$42,309
- Largest single originHardin County Non-migrants (10,736 households)
- Largest single destination (10,736 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Hardin County Non-migrants | 10,736 | 21,404 | $615.7 m |
| Other flows - Same State | 145 | 253 | $6.0 m |
| Other flows - Different State | 107 | 182 | $3.8 m |
| Allen County | 76 | 141 | $3.0 m |
| Logan County | 76 | 160 | $3.2 m |
| Other flows - South | 66 | 111 | $2.4 m |
| Hancock County | 55 | 89 | $3.0 m |
| Wyandot County | 40 | 72 | $1.6 m |
The largest single source of arrivals is Hardin 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.
Hardin County
What the Hardin County economy runs on
- County GDP, 2024$1.37 bn
- County GDP, 2023$1.26 bn
- GDP change, 2023 to 20248.2 percent
- GDP change over five years50.4 percent
- Rank by GDP among Ohio counties76th
- Rank by GDP among US county-equivalents1585th
- GDP per resident$44,802
Output grew 8.2 percent in the latest year and 50.4 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.
Hardin County
Who employs people in Hardin County
- Covered employment, annual average7,675
- Establishments reporting563
- Average annual pay$49,899
- Average weekly wage$960
- Sector 31-33, employment1,759
- Sector 31-33, average annual pay$62,879
- Sector 44-45, employment819
- Sector 44-45, average annual pay$28,190
- Sector 72, employment785
- Sector 72, average annual pay$18,045
- Sector 42, employment235
- Sector 42, average annual pay$84,237
- Sector 52, employment212
- Sector 81, employment199
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 1,759 | 33 | $62,879 |
| Sector 44-45 | 819 | 67 | $28,190 |
| Sector 72 | 785 | 47 | $18,045 |
| Sector 42 | 235 | 18 | $84,237 |
| Sector 52 | 212 | 32 | $69,758 |
| Sector 81 | 199 | 48 | $28,832 |
| Sector 48-49 | 167 | 18 | $68,262 |
| Sector 23 | 141 | 44 | $47,674 |
The largest sector is the biggest private employer group at 1,759 jobs, 22.9 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.
Hardin County
What businesses operate in Hardin County
- Establishments, all industries421
- Employment at those establishments6,502
- Annual payroll$290.9 m
- Establishments per 1,000 residents13.8
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.
Hardin County
What is being built in Hardin County
- Housing units authorised by permit, 202424
- Declared construction value permitted$6.7 m
- Single family units authorised24
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$277,860
- Units authorised per 1,000 households2.0
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Hardin County
How much SBA lending happens in Hardin County
- 7(a) approvals recorded30
- 7(a) gross approval dollars$5.2 m
- Average 7(a) approval$174,840
- Median 7(a) approval$46,000
- 10th percentile approval$20,000
- 90th percentile approval$226,000
- Largest single approval$2,615,000
- Jobs reported supported, 7(a)52
- Jobs per approval1.7
- Distinct 7(a) lenders active4
- Distinct industries receiving approvals20
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer3.3 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter28
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countGeneral Freight Trucking, Long-Distance, Truckload (4)
- Most active lenderThe Huntington National Bank (20)
- 504 approvals recorded1
- 504 gross approval dollars$2.0 m
- Average 504 approval$2,002,000
- Median 504 approval$2,002,000
- Distinct CDCs active1
- 504 jobs per approval40.0
- 504 jobs per million dollars approved20.0
- Most active CDCOhio Statewide Development Corporation (1)
- 7(a) share of SBA approvals96.8 percent
- Combined SBA approval dollars$7.2 m
The average approval of $174,840 sits well above the median of $46,000, 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 3.3 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.
Hardin County
Do SBA loans in Hardin County get paid back
- Loans with a final outcome recorded5
- Paid in full4
- Charged off1
- Status: Exempt from disclosure19
- Status: Paid in full4
- Status: Cancelled3
- Status: Charged off1
- Status: Committed, not yet disbursed3
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.
Hardin County
Which parts of Hardin County get the lending
- Places in the county with recorded lending9
- Kenton, approvals10
- ADA, approvals10
- ALGER, approvals2
- Dunkirk, approvals2
- RIDGEWAY, approvals2
- Belle Center, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Kenton | 10 | $3,927,600 |
| ADA | 10 | $664,900 |
| ALGER | 2 | $154,900 |
| Dunkirk | 2 | $76,000 |
| RIDGEWAY | 2 | $246,000 |
| Belle Center | 1 | $20,000 |
| Forest | 1 | $100,000 |
| Mount Victory | 1 | $20,000 |
Kenton accounts for 10 approvals against 10 in ADA. 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.
Hardin County
How big is Hardin County
- Land area470 sq mi
- Rank by land area among Ohio counties32nd of 88
- Width, east to west24.4 mi
- Height, north to south21.8 mi
- Geographies sharing a boundary7
- Residents per square mile of land65
- Establishments per square mile0.90
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.
Hardin County
What hazards affect Hardin County
- EPA radon zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
- Communities in the NFIP Community Status Book5
- Of those, participating in the NFIP3
- NFIP participation rate60.0 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 Hardin 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 Hardin County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population30,475
- Households11,724
- Average household size2.60
- Median household income$62,484
- Median age35.2
Common questions
Hardin County questions, answered from the record.
How many people live in Hardin County, Ohio?
30,475, in 11,724 households, ranking 72nd of 88 Ohio counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Hardin County growing?
The population has fallen 0.92 percent since the 2020 census base. In 2024 there were 352 births against 382 deaths, with net migration of 26. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Hardin County?
$62,484. The median owner-occupied home is valued at $151,200, which is 2.4 times income, and median gross rent is $793 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Hardin County?
421 establishments, employing 6,502 people with an annual payroll of $290.9 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 Hardin County?
Average annual pay is $49,899, or $960 a week, across 7,675 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Hardin County?
30 7(a) approvals totalling $5.2 m since FY2020, across 4 lenders, with a median approval of $46,000, plus 1 504 approvals worth $2.0 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Hardin County?
24 housing units were authorised by permit in 2024, with a declared construction value of $6.7 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Hardin 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 Hardin County come from?
The largest single origin is Hardin County Non-migrants, with 10,736 households. Arriving households report an average income of $42,309 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 Hardin 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 Hardin 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.