Lucas County, Ohio: commercial real estate data.
Lucas County, Ohio has a population of 428,018 across 341 square miles, down 1.2 percent since the 2020 census base. County output reached $33.40 bn in 2024, 9,282 establishments operate here, and the SBA record carries 722 7(a) approvals worth $240.6 m.
128 sourced county values · tier FULL · 12 sections
Lucas County
How many people live in Lucas County
- Population428,018
- Households183,243
- Average household size2.34
- Median household income$62,224
- Median age38.5
- Median gross rent$934 per month
- Median owner-occupied home value$163,900
- Home value to household income2.6 times
- Annual rent as a share of median income18.0 percent
- Adults 25 and over with a bachelor degree or higher29.4 percent
- Adults 25 and over with a graduate degree11.3 percent
- Adults 25 and over292,536
- Population under 1897,509
- Share under 1822.8 percent
- Population 65 and over75,209
- Share 65 and over17.6 percent
- Working age population, 18 to 64255,300
- Civilian labor force214,924
- Unemployment rate6.3 percent
- Labor force participation, adults 18 and over65.0 percent
- Rank by population among Ohio counties6th of 88
- Rank by population among US county-equivalents170th
Lucas County is the 6th largest of 88 Ohio counties by population. A median home costs 2.6 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 22.8 percent against 17.6 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Lucas County
Is Lucas County growing
- Population change since the 2020 census base-1.16 percent
- Census 2020 base population431,274
- Births, 20244,884
- Deaths, 20244,609
- Natural change, 2024275
- Net domestic migration, 2024-1,433
- Net international migration, 20241,215
- Total net migration, 2024-218
- Cumulative net domestic migration, 2021 to 2024-7,337
- Rank by growth among US county-equivalents2255th
The county has lost 1.16 percent of its population 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.
Lucas County
Where people moving to Lucas County come from
- Tax returns filed by households arriving7,667
- People arriving, from those returns12,220
- Adjusted gross income arriving$449.6 m
- Net adjusted gross income movement$0
- Average income of an arriving household$58,643
- Largest single originLucas County Non-migrants (165,447 households)
- Largest single destination (165,447 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Lucas County Non-migrants | 165,447 | 313,283 | $12.16 bn |
| Other flows - Different State | 2,080 | 3,497 | $144.2 m |
| Wood County | 1,511 | 2,355 | $90.9 m |
| Other flows - South | 966 | 1,653 | $58.9 m |
| Monroe County | 657 | 1,005 | $35.8 m |
| Other flows - Midwest | 534 | 856 | $31.5 m |
| Other flows - Same State | 394 | 578 | $15.9 m |
| Fulton County | 336 | 545 | $17.0 m |
The largest single source of arrivals is Lucas 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.
Lucas County
What the Lucas County economy runs on
- County GDP, 2024$33.40 bn
- County GDP, 2023$32.96 bn
- GDP change, 2023 to 20241.3 percent
- GDP change over five years35.7 percent
- Rank by GDP among Ohio counties6th
- Rank by GDP among US county-equivalents179th
- GDP per resident$78,033
Output grew 1.3 percent in the latest year and 35.7 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.
Lucas County
Who employs people in Lucas County
- Covered employment, annual average194,869
- Establishments reporting10,950
- Average annual pay$62,231
- Average weekly wage$1,197
- Sector 62, employment37,692
- Sector 62, average annual pay$65,918
- Sector 31-33, employment22,898
- Sector 31-33, average annual pay$92,347
- Sector 44-45, employment21,028
- Sector 44-45, average annual pay$36,607
- Sector 72, employment19,813
- Sector 72, average annual pay$22,538
- Sector 56, employment11,083
- Sector 23, employment8,543
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 37,692 | 1,498 | $65,918 |
| Sector 31-33 | 22,898 | 478 | $92,347 |
| Sector 44-45 | 21,028 | 1,355 | $36,607 |
| Sector 72 | 19,813 | 1,107 | $22,538 |
| Sector 56 | 11,083 | 777 | $39,323 |
| Sector 23 | 8,543 | 746 | $83,288 |
| Sector 54 | 7,443 | 1,166 | $85,170 |
| Sector 81 | 6,221 | 845 | $45,642 |
The largest sector is the biggest private employer group at 37,692 jobs, 19.3 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.
Lucas County
What businesses operate in Lucas County
- Establishments, all industries9,282
- Employment at those establishments187,961
- Annual payroll$10.62 bn
- Establishments per 1,000 residents21.7
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.
Lucas County
What is being built in Lucas County
- Housing units authorised by permit, 2024413
- Declared construction value permitted$134.3 m
- Single family units authorised287
- Multifamily units authorised126
- Multifamily share of units30.5 percent
- Average declared value per unit$325,210
- Units authorised per 1,000 households2.3
Multifamily is 30.5 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Lucas County
How much SBA lending happens in Lucas County
- 7(a) approvals recorded722
- 7(a) gross approval dollars$240.6 m
- Average 7(a) approval$333,249
- Median 7(a) approval$66,500
- 10th percentile approval$19,000
- 90th percentile approval$827,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)5,639
- Jobs per approval7.8
- Distinct 7(a) lenders active60
- Distinct industries receiving approvals196
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer9.8 percent
- Loans on real estate terms71
- Loans on working capital terms, 120 months or shorter635
- Franchise loans64
- Franchise share of approvals8.9 percent
- Leading industry by approval countFull-Service Restaurants (47)
- Most active lenderThe Huntington National Bank (479)
- 504 approvals recorded78
- 504 gross approval dollars$53.3 m
- Average 504 approval$683,577
- Median 504 approval$414,000
- Distinct CDCs active8
- 504 jobs per approval11.0
- 504 jobs per million dollars approved16.1
- Most active CDCNorthwest Ohio Development Assistance Corporation (55)
- 7(a) share of SBA approvals90.3 percent
- Combined SBA approval dollars$293.9 m
The average approval of $333,249 sits well above the median of $66,500, 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 9.8 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.
Lucas County
Do SBA loans in Lucas County get paid back
- Loans with a final outcome recorded146
- Paid in full140
- Charged off6
- Charge off rate on resolved loans4.1 percent
- Status: Paid in full140
- Status: Cancelled76
- Status: Charged off6
- Status: Exempt from disclosure455
- Status: Committed, not yet disbursed45
| NAICS | Industry | Resolved loans | Charged off | Charge off rate |
|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 14 | 0 | 0.0% |
Of the 146 loans that have reached a final outcome, 4.1 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 0.0 percent.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Lucas County
Which parts of Lucas County get the lending
- Places in the county with recorded lending17
- Toledo, approvals432
- Maumee, approvals87
- Sylvania, approvals79
- HOLLAND, approvals49
- Oregon, approvals32
- Waterville, approvals11
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Toledo | 432 | $143,178,800 |
| Maumee | 87 | $40,426,000 |
| Sylvania | 79 | $19,094,300 |
| HOLLAND | 49 | $23,334,700 |
| Oregon | 32 | $3,662,500 |
| Waterville | 11 | $6,393,600 |
| WHITEHOUSE | 10 | $514,600 |
| Monclova | 8 | $618,100 |
Toledo accounts for 432 approvals against 87 in Maumee. 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.
Lucas County
How big is Lucas County
- Land area341 sq mi
- Rank by land area among Ohio counties85th of 88
- Width, east to west37.1 mi
- Height, north to south22 mi
- Geographies sharing a boundary4
- Residents per square mile of land1,255
- Establishments per square mile27.22
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.
Lucas County
What hazards affect Lucas County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book12
- Of those, participating in the NFIP11
- NFIP participation rate91.7 percent
- Communities carrying a CRS class0
The EPA places the county in radon zone 2, a predicted average indoor radon screening level from 2 to 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 Lucas 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 Lucas County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population428,018
- Households183,243
- Average household size2.34
- Median household income$62,224
- Median age38.5
Common questions
Lucas County questions, answered from the record.
How many people live in Lucas County, Ohio?
428,018, in 183,243 households, ranking 6th of 88 Ohio counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Lucas County growing?
The population has fallen 1.16 percent since the 2020 census base. In 2024 there were 4,884 births against 4,609 deaths, with net migration of -218. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Lucas County?
$62,224. The median owner-occupied home is valued at $163,900, which is 2.6 times income, and median gross rent is $934 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Lucas County?
9,282 establishments, employing 187,961 people with an annual payroll of $10.62 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 Lucas County?
Average annual pay is $62,231, or $1,197 a week, across 194,869 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Lucas County?
722 7(a) approvals totalling $240.6 m since FY2020, across 60 lenders, with a median approval of $66,500, plus 78 504 approvals worth $53.3 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Lucas County get paid back?
Of the 146 loans that have reached a final outcome, 140 were paid in full and 6 charged off, a charge off rate of 4.1 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Lucas County?
413 housing units were authorised by permit in 2024, with a declared construction value of $134.3 m. Multifamily was 30.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Lucas 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 Lucas County come from?
The largest single origin is Lucas County Non-migrants, with 165,447 households. Arriving households report an average income of $58,643 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 Lucas 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 Lucas 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.