Holmes County, Ohio: commercial real estate data.
Holmes County, Ohio has a population of 44,418 across 423 square miles, up 1.0 percent since the 2020 census base. County output reached $3.81 bn in 2024, 1,413 establishments operate here, and the SBA record carries 41 7(a) approvals worth $15.4 m.
127 sourced county values · tier FULL · 12 sections
Holmes County
How many people live in Holmes County
- Population44,418
- Households13,395
- Average household size3.32
- Median household income$76,140
- Median age32.7
- Median gross rent$816 per month
- Median owner-occupied home value$267,700
- Home value to household income3.5 times
- Annual rent as a share of median income12.9 percent
- Adults 25 and over with a bachelor degree or higher11.1 percent
- Adults 25 and over with a graduate degree3.5 percent
- Adults 25 and over26,621
- Population under 1813,443
- Share under 1830.3 percent
- Population 65 and over6,429
- Share 65 and over14.5 percent
- Working age population, 18 to 6424,546
- Civilian labor force20,871
- Unemployment rate2.2 percent
- Labor force participation, adults 18 and over67.4 percent
- Rank by population among Ohio counties54th of 88
- Rank by population among US county-equivalents1111th
Holmes County is the 54th largest of 88 Ohio counties by population. A median home costs 3.5 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 30.3 percent against 14.5 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Holmes County
Is Holmes County growing
- Population change since the 2020 census base1.01 percent
- Census 2020 base population44,220
- Births, 2024736
- Deaths, 2024360
- Natural change, 2024376
- Net domestic migration, 2024-176
- Net international migration, 202428
- Total net migration, 2024-148
- Cumulative net domestic migration, 2021 to 2024-1,251
- Rank by growth among US county-equivalents1481st
The county has grown 1.01 percent since the 2020 census base. Births exceeded deaths in 2024 but more people left than arrived, so the population is being sustained internally rather than attracting.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Holmes County
Where people moving to Holmes County come from
- Tax returns filed by households arriving539
- People arriving, from those returns1,073
- Adjusted gross income arriving$28.2 m
- Net adjusted gross income movement$0
- Average income of an arriving household$52,358
- Largest single originHolmes County Non-migrants (14,943 households)
- Largest single destination (14,943 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Holmes County Non-migrants | 14,943 | 35,448 | $1.18 bn |
| Wayne County | 155 | 320 | $6.9 m |
| Tuscarawas County | 104 | 221 | $6.8 m |
| Other flows - Same State | 94 | 165 | $5.3 m |
| Other flows - Different State | 85 | 191 | $5.4 m |
| Other flows - South | 60 | 148 | $4.1 m |
| Coshocton County | 46 | 93 | $1.8 m |
| Ashland County | 33 | 41 | $1.1 m |
The largest single source of arrivals is Holmes 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.
Holmes County
What the Holmes County economy runs on
- County GDP, 2024$3.81 bn
- County GDP, 2023$3.59 bn
- GDP change, 2023 to 20246.0 percent
- GDP change over five years44.9 percent
- Rank by GDP among Ohio counties41st
- Rank by GDP among US county-equivalents846th
- GDP per resident$85,775
Output grew 6.0 percent in the latest year and 44.9 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.
Holmes County
Who employs people in Holmes County
- Covered employment, annual average21,534
- Establishments reporting1,535
- Average annual pay$53,940
- Average weekly wage$1,037
- Sector 31-33, employment8,002
- Sector 31-33, average annual pay$60,376
- Sector 44-45, employment2,827
- Sector 44-45, average annual pay$42,323
- Sector 23, employment2,499
- Sector 23, average annual pay$66,252
- Sector 72, employment1,450
- Sector 72, average annual pay$20,500
- Sector 42, employment1,066
- Sector 62, employment1,015
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 8,002 | 342 | $60,376 |
| Sector 44-45 | 2,827 | 181 | $42,323 |
| Sector 23 | 2,499 | 323 | $66,252 |
| Sector 72 | 1,450 | 80 | $20,500 |
| Sector 42 | 1,066 | 67 | $60,855 |
| Sector 62 | 1,015 | 60 | $45,774 |
| Sector 48-49 | 847 | 72 | $62,003 |
| Sector 54 | 400 | 56 | $63,355 |
The largest sector is the biggest private employer group at 8,002 jobs, 37.2 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.
Holmes County
What businesses operate in Holmes County
- Establishments, all industries1,413
- Employment at those establishments19,733
- Annual payroll$982.2 m
- Establishments per 1,000 residents31.8
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.
Holmes County
What is being built in Holmes County
- Housing units authorised by permit, 20247
- Declared construction value permitted$1.9 m
- Single family units authorised7
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$275,836
- Units authorised per 1,000 households0.5
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Holmes County
How much SBA lending happens in Holmes County
- 7(a) approvals recorded41
- 7(a) gross approval dollars$15.4 m
- Average 7(a) approval$376,134
- Median 7(a) approval$100,000
- 10th percentile approval$34,000
- 90th percentile approval$1,000,000
- Largest single approval$2,700,000
- Jobs reported supported, 7(a)590
- Jobs per approval14.4
- Distinct 7(a) lenders active11
- Distinct industries receiving approvals30
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer0.0 percent
- Loans on real estate terms0
- Loans on working capital terms, 120 months or shorter37
- Franchise loans1
- Franchise share of approvals2.4 percent
- Leading industry by approval countSawmills (4)
- Most active lenderThe Huntington National Bank (24)
- 504 approvals recorded2
- 504 gross approval dollars$2.5 m
- Average 504 approval$1,235,000
- Median 504 approval$1,338,000
- Distinct CDCs active2
- 504 jobs per approval13.0
- 504 jobs per million dollars approved10.5
- Most active CDCPremier Capital Corporation (1)
- 7(a) share of SBA approvals95.3 percent
- Combined SBA approval dollars$17.9 m
The average approval of $376,134 sits well above the median of $100,000, 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 0.0 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.
Holmes County
Do SBA loans in Holmes County get paid back
- Loans with a final outcome recorded11
- Paid in full11
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Paid in full11
- Status: Cancelled3
- Status: Exempt from disclosure26
- Status: Committed, not yet disbursed1
Of the 11 loans that have reached a final outcome, 0.0 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.
Holmes County
Which parts of Holmes County get the lending
- Places in the county with recorded lending7
- MILLERSBURG, approvals29
- SUGARCREEK, approvals4
- Holmesville, approvals4
- Oak Harbor, approvals1
- Berlin, approvals1
- WALNUT CREEK, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| MILLERSBURG | 29 | $13,013,000 |
| SUGARCREEK | 4 | $1,203,500 |
| Holmesville | 4 | $582,000 |
| Oak Harbor | 1 | $250,000 |
| Berlin | 1 | $50,000 |
| WALNUT CREEK | 1 | $48,000 |
| Loudonville | 1 | $275,000 |
MILLERSBURG accounts for 29 approvals against 4 in SUGARCREEK. 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.
Holmes County
How big is Holmes County
- Land area423 sq mi
- Rank by land area among Ohio counties49th of 88
- Width, east to west30 mi
- Height, north to south15.5 mi
- Geographies sharing a boundary6
- Residents per square mile of land105
- Establishments per square mile3.34
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.
Holmes County
What hazards affect Holmes 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 Holmes 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 Holmes County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population44,418
- Households13,395
- Average household size3.32
- Median household income$76,140
- Median age32.7
Common questions
Holmes County questions, answered from the record.
How many people live in Holmes County, Ohio?
44,418, in 13,395 households, ranking 54th of 88 Ohio counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Holmes County growing?
The population has grown 1.01 percent since the 2020 census base. In 2024 there were 736 births against 360 deaths, with net migration of -148. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Holmes County?
$76,140. The median owner-occupied home is valued at $267,700, which is 3.5 times income, and median gross rent is $816 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Holmes County?
1,413 establishments, employing 19,733 people with an annual payroll of $982.2 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 Holmes County?
Average annual pay is $53,940, or $1,037 a week, across 21,534 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Holmes County?
41 7(a) approvals totalling $15.4 m since FY2020, across 11 lenders, with a median approval of $100,000, plus 2 504 approvals worth $2.5 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Holmes County get paid back?
Of the 11 loans that have reached a final outcome, 11 were paid in full and 0 charged off, a charge off rate of 0.0 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Holmes County?
7 housing units were authorised by permit in 2024, with a declared construction value of $1.9 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Holmes 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 Holmes County come from?
The largest single origin is Holmes County Non-migrants, with 14,943 households. Arriving households report an average income of $52,358 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 Holmes 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 Holmes 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.