Miami County, Ohio: commercial real estate data.
Miami County, Ohio has a population of 110,296 across 407 square miles, up 2.9 percent since the 2020 census base. County output reached $6.18 bn in 2024, 2,176 establishments operate here, and the SBA record carries 199 7(a) approvals worth $80.0 m.
128 sourced county values · tier FULL · 12 sections
Miami County
How many people live in Miami County
- Population110,296
- Households44,906
- Average household size2.46
- Median household income$76,817
- Median age41.3
- Median gross rent$966 per month
- Median owner-occupied home value$229,100
- Home value to household income3.0 times
- Annual rent as a share of median income15.1 percent
- Adults 25 and over with a bachelor degree or higher26.8 percent
- Adults 25 and over with a graduate degree10.7 percent
- Adults 25 and over76,876
- Population under 1825,243
- Share under 1822.9 percent
- Population 65 and over21,382
- Share 65 and over19.4 percent
- Working age population, 18 to 6463,671
- Civilian labor force56,323
- Unemployment rate3.1 percent
- Labor force participation, adults 18 and over66.2 percent
- Rank by population among Ohio counties25th of 88
- Rank by population among US county-equivalents572nd
Miami County is the 25th largest of 88 Ohio counties by population. A median home costs 3.0 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 19.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Miami County
Is Miami County growing
- Population change since the 2020 census base2.92 percent
- Census 2020 base population108,774
- Births, 20241,086
- Deaths, 20241,202
- Natural change, 2024-116
- Net domestic migration, 2024933
- Net international migration, 2024243
- Total net migration, 20241,176
- Cumulative net domestic migration, 2021 to 20243,230
- Rank by growth among US county-equivalents892nd
The county has grown 2.92 percent 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.
Miami County
Where people moving to Miami County come from
- Tax returns filed by households arriving3,004
- People arriving, from those returns5,426
- Adjusted gross income arriving$186.0 m
- Net adjusted gross income movement$0
- Average income of an arriving household$61,924
- Largest single originMiami County Non-migrants (43,138 households)
- Largest single destination (43,138 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Miami County Non-migrants | 43,138 | 86,985 | $3.61 bn |
| Montgomery County | 914 | 1,650 | $57.1 m |
| Other flows - Different State | 807 | 1,560 | $59.6 m |
| Other flows - South | 411 | 790 | $30.7 m |
| Shelby County | 287 | 481 | $12.0 m |
| Darke County | 174 | 301 | $8.8 m |
| Other flows - Same State | 167 | 253 | $11.2 m |
| Other flows - Midwest | 167 | 304 | $10.6 m |
The largest single source of arrivals is Miami 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.
Miami County
What the Miami County economy runs on
- County GDP, 2024$6.18 bn
- County GDP, 2023$5.93 bn
- GDP change, 2023 to 20244.2 percent
- GDP change over five years33.7 percent
- Rank by GDP among Ohio counties26th
- Rank by GDP among US county-equivalents636th
- GDP per resident$56,010
Output grew 4.2 percent in the latest year and 33.7 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.
Miami County
Who employs people in Miami County
- Covered employment, annual average41,603
- Establishments reporting2,606
- Average annual pay$55,221
- Average weekly wage$1,062
- Sector 31-33, employment10,127
- Sector 31-33, average annual pay$68,348
- Sector 62, employment4,521
- Sector 62, average annual pay$56,500
- Sector 44-45, employment4,195
- Sector 44-45, average annual pay$35,822
- Sector 72, employment3,935
- Sector 72, average annual pay$20,743
- Sector 42, employment2,485
- Sector 23, employment2,219
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 10,127 | 215 | $68,348 |
| Sector 62 | 4,521 | 248 | $56,500 |
| Sector 44-45 | 4,195 | 307 | $35,822 |
| Sector 72 | 3,935 | 220 | $20,743 |
| Sector 42 | 2,485 | 157 | $79,321 |
| Sector 23 | 2,219 | 264 | $69,579 |
| Sector 56 | 2,021 | 159 | $37,789 |
| Sector 81 | 1,284 | 225 | $36,527 |
The largest sector is the biggest private employer group at 10,127 jobs, 24.3 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.
Miami County
What businesses operate in Miami County
- Establishments, all industries2,176
- Employment at those establishments37,513
- Annual payroll$1.89 bn
- Establishments per 1,000 residents19.7
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.
Miami County
What is being built in Miami County
- Housing units authorised by permit, 2024326
- Declared construction value permitted$119.5 m
- Single family units authorised302
- Multifamily units authorised24
- Multifamily share of units7.4 percent
- Average declared value per unit$366,695
- Units authorised per 1,000 households7.3
Multifamily is 7.4 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Miami County
How much SBA lending happens in Miami County
- 7(a) approvals recorded199
- 7(a) gross approval dollars$80.0 m
- Average 7(a) approval$401,782
- Median 7(a) approval$100,000
- 10th percentile approval$25,000
- 90th percentile approval$1,300,000
- Largest single approval$4,459,000
- Jobs reported supported, 7(a)1,375
- Jobs per approval6.9
- Distinct 7(a) lenders active35
- Distinct industries receiving approvals61
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer9.1 percent
- Loans on real estate terms18
- Loans on working capital terms, 120 months or shorter172
- Franchise loans19
- Franchise share of approvals9.5 percent
- Leading industry by approval countGeneral Freight Trucking, Long-Distance, Truckload (73)
- Most active lenderThe Huntington National Bank (126)
- 504 approvals recorded36
- 504 gross approval dollars$16.0 m
- Average 504 approval$443,611
- Median 504 approval$227,000
- Distinct CDCs active8
- 504 jobs per approval4.4
- 504 jobs per million dollars approved9.9
- Most active CDCCommunity Capital Development Corporation (15)
- 7(a) share of SBA approvals84.7 percent
- Combined SBA approval dollars$95.9 m
The average approval of $401,782 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 9.1 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.
Miami County
Do SBA loans in Miami County get paid back
- Loans with a final outcome recorded52
- Paid in full50
- Charged off2
- Charge off rate on resolved loans3.8 percent
- Status: Paid in full50
- Status: Exempt from disclosure120
- Status: Cancelled20
- Status: Charged off2
- Status: Committed, not yet disbursed7
| NAICS | Industry | Resolved loans | Charged off | Charge off rate |
|---|---|---|---|---|
| 484121 | General Freight Trucking, Long-Distance, Truckload | 24 | 0 | 0.0% |
Of the 52 loans that have reached a final outcome, 3.8 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, General Freight Trucking, Long-Distance, Truckload 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.
Miami County
Which parts of Miami County get the lending
- Places in the county with recorded lending14
- Tipp City, approvals99
- TROY, approvals51
- Piqua, approvals25
- West Milton, approvals7
- Fletcher, approvals3
- Xenia, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Tipp City | 99 | $21,430,800 |
| TROY | 51 | $25,914,100 |
| Piqua | 25 | $23,614,100 |
| West Milton | 7 | $645,000 |
| Fletcher | 3 | $5,352,000 |
| Xenia | 2 | $334,000 |
| Casstown | 2 | $65,500 |
| Bradford | 2 | $350,000 |
Tipp City accounts for 99 approvals against 51 in TROY. 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.
Miami County
How big is Miami County
- Land area407 sq mi
- Rank by land area among Ohio counties69th of 88
- Width, east to west21.7 mi
- Height, north to south21.9 mi
- Geographies sharing a boundary5
- Residents per square mile of land271
- Establishments per square mile5.35
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.
Miami County
What hazards affect Miami County
- EPA radon zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
- Communities in the NFIP Community Status Book14
- Of those, participating in the NFIP11
- NFIP participation rate78.6 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 Miami 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 Miami County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population110,296
- Households44,906
- Average household size2.46
- Median household income$76,817
- Median age41.3
Common questions
Miami County questions, answered from the record.
How many people live in Miami County, Ohio?
110,296, in 44,906 households, ranking 25th of 88 Ohio counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Miami County growing?
The population has grown 2.92 percent since the 2020 census base. In 2024 there were 1,086 births against 1,202 deaths, with net migration of 1,176. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Miami County?
$76,817. The median owner-occupied home is valued at $229,100, which is 3.0 times income, and median gross rent is $966 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Miami County?
2,176 establishments, employing 37,513 people with an annual payroll of $1.89 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 Miami County?
Average annual pay is $55,221, or $1,062 a week, across 41,603 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Miami County?
199 7(a) approvals totalling $80.0 m since FY2020, across 35 lenders, with a median approval of $100,000, plus 36 504 approvals worth $16.0 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Miami County get paid back?
Of the 52 loans that have reached a final outcome, 50 were paid in full and 2 charged off, a charge off rate of 3.8 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Miami County?
326 housing units were authorised by permit in 2024, with a declared construction value of $119.5 m. Multifamily was 7.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Miami 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 Miami County come from?
The largest single origin is Miami County Non-migrants, with 43,138 households. Arriving households report an average income of $61,924 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 Miami 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 Miami 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.