Morrow County, Ohio: commercial real estate data.
Morrow County, Ohio has a population of 35,404 across 406 square miles, up 2.8 percent since the 2020 census base. County output reached $909.9 m in 2024, 456 establishments operate here, and the SBA record carries 27 7(a) approvals worth $1.8 m.
126 sourced county values · tier FULL · 12 sections
Morrow County
How many people live in Morrow County
- Population35,404
- Households13,463
- Average household size2.63
- Median household income$75,283
- Median age43.2
- Median gross rent$937 per month
- Median owner-occupied home value$222,300
- Home value to household income3.0 times
- Annual rent as a share of median income14.9 percent
- Adults 25 and over with a bachelor degree or higher19.4 percent
- Adults 25 and over with a graduate degree6.1 percent
- Adults 25 and over25,169
- Population under 187,692
- Share under 1821.7 percent
- Population 65 and over6,840
- Share 65 and over19.3 percent
- Working age population, 18 to 6420,872
- Civilian labor force17,489
- Unemployment rate2.9 percent
- Labor force participation, adults 18 and over63.1 percent
- Rank by population among Ohio counties69th of 88
- Rank by population among US county-equivalents1330th
Morrow County is the 69th 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 21.7 percent against 19.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Morrow County
Is Morrow County growing
- Population change since the 2020 census base2.81 percent
- Census 2020 base population34,944
- Births, 2024358
- Deaths, 2024356
- Natural change, 20242
- Net domestic migration, 2024336
- Net international migration, 20248
- Total net migration, 2024344
- Cumulative net domestic migration, 2021 to 20241,033
- Rank by growth among US county-equivalents922nd
The county has grown 2.81 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.
Morrow County
Where people moving to Morrow County come from
- Tax returns filed by households arriving1,097
- People arriving, from those returns2,028
- Adjusted gross income arriving$65.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$59,966
- Largest single originMorrow County Non-migrants (12,929 households)
- Largest single destination (12,929 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Morrow County Non-migrants | 12,929 | 26,901 | $862.2 m |
| Franklin County | 231 | 373 | $14.7 m |
| Delaware County | 193 | 381 | $13.0 m |
| Other flows - Different State | 150 | 276 | $10.3 m |
| Other flows - Same State | 137 | 257 | $9.5 m |
| Marion County | 97 | 187 | $4.6 m |
| Richland County | 97 | 180 | $4.5 m |
| Crawford County | 83 | 158 | $3.4 m |
The largest single source of arrivals is Morrow 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.
Morrow County
What the Morrow County economy runs on
- County GDP, 2024$909.9 m
- County GDP, 2023$876.6 m
- GDP change, 2023 to 20243.8 percent
- GDP change over five years30.0 percent
- Rank by GDP among Ohio counties82nd
- Rank by GDP among US county-equivalents1914th
- GDP per resident$25,699
Output grew 3.8 percent in the latest year and 30.0 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.
Morrow County
Who employs people in Morrow County
- Covered employment, annual average5,513
- Establishments reporting573
- Average annual pay$44,743
- Average weekly wage$860
- Sector 31-33, employment746
- Sector 31-33, average annual pay$60,391
- Sector 44-45, employment627
- Sector 44-45, average annual pay$27,972
- Sector 72, employment440
- Sector 72, average annual pay$16,691
- Sector 23, employment405
- Sector 23, average annual pay$56,349
- Sector 56, employment163
- Sector 71, employment147
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 746 | 21 | $60,391 |
| Sector 44-45 | 627 | 56 | $27,972 |
| Sector 72 | 440 | 38 | $16,691 |
| Sector 23 | 405 | 96 | $56,349 |
| Sector 56 | 163 | 39 | $35,818 |
| Sector 71 | 147 | 10 | $22,117 |
| Sector 11 | 142 | 21 | $43,283 |
| Sector 81 | 122 | 38 | $36,871 |
The largest sector is the biggest private employer group at 746 jobs, 13.5 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.
Morrow County
What businesses operate in Morrow County
- Establishments, all industries456
- Employment at those establishments4,510
- Annual payroll$188.3 m
- Establishments per 1,000 residents12.9
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.
Morrow County
What is being built in Morrow County
- Housing units authorised by permit, 202499
- Declared construction value permitted$32.0 m
- Single family units authorised99
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$323,309
- Units authorised per 1,000 households7.4
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Morrow County
How much SBA lending happens in Morrow County
- 7(a) approvals recorded27
- 7(a) gross approval dollars$1.8 m
- Average 7(a) approval$66,381
- Median 7(a) approval$53,800
- 10th percentile approval$16,000
- 90th percentile approval$130,000
- Largest single approval$225,000
- Jobs reported supported, 7(a)53
- Jobs per approval2.0
- Distinct 7(a) lenders active7
- Distinct industries receiving approvals17
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer3.7 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter26
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countGeneral Freight Trucking, Long-Distance, Truckload (5)
- Most active lenderThe Huntington National Bank (17)
- 504 approvals recorded4
- 504 gross approval dollars$526,000
- Average 504 approval$131,500
- Median 504 approval$160,000
- Distinct CDCs active2
- 504 jobs per approval2.0
- 504 jobs per million dollars approved15.2
- Most active CDCCommunity Capital Development Corporation (2)
- 7(a) share of SBA approvals87.1 percent
- Combined SBA approval dollars$2.3 m
The average approval of $66,381 sits close to the median of $53,800, so lending here is fairly evenly sized rather than driven by a few large deals. Only 3.7 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.
Morrow County
Do SBA loans in Morrow County get paid back
- Loans with a final outcome recorded10
- Paid in full10
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Paid in full10
- Status: Exempt from disclosure13
- Status: Cancelled3
- Status: Committed, not yet disbursed1
Of the 10 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.
Morrow County
Which parts of Morrow County get the lending
- Places in the county with recorded lending5
- MARENGO, approvals16
- MOUNT GILEAD, approvals5
- Cardington, approvals3
- 8985 E Liberty North Rd, approvals2
- Mt Gilead, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| MARENGO | 16 | $1,157,700 |
| MOUNT GILEAD | 5 | $442,800 |
| Cardington | 3 | $111,000 |
| 8985 E Liberty North Rd | 2 | $43,000 |
| Mt Gilead | 1 | $37,800 |
MARENGO accounts for 16 approvals against 5 in MOUNT GILEAD. 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.
Morrow County
How big is Morrow County
- Land area406 sq mi
- Rank by land area among Ohio counties72nd of 88
- Width, east to west20.9 mi
- Height, north to south25.3 mi
- Geographies sharing a boundary5
- Residents per square mile of land87
- Establishments per square mile1.12
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.
Morrow County
What hazards affect Morrow County
- EPA radon zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
- Communities in the NFIP Community Status Book6
- Of those, participating in the NFIP3
- NFIP participation rate50.0 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 Morrow 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 Morrow County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population35,404
- Households13,463
- Average household size2.63
- Median household income$75,283
- Median age43.2
Common questions
Morrow County questions, answered from the record.
How many people live in Morrow County, Ohio?
35,404, in 13,463 households, ranking 69th of 88 Ohio counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Morrow County growing?
The population has grown 2.81 percent since the 2020 census base. In 2024 there were 358 births against 356 deaths, with net migration of 344. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Morrow County?
$75,283. The median owner-occupied home is valued at $222,300, which is 3.0 times income, and median gross rent is $937 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Morrow County?
456 establishments, employing 4,510 people with an annual payroll of $188.3 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 Morrow County?
Average annual pay is $44,743, or $860 a week, across 5,513 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Morrow County?
27 7(a) approvals totalling $1.8 m since FY2020, across 7 lenders, with a median approval of $53,800, plus 4 504 approvals worth $526,000. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Morrow County get paid back?
Of the 10 loans that have reached a final outcome, 10 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 Morrow County?
99 housing units were authorised by permit in 2024, with a declared construction value of $32.0 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Morrow 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 Morrow County come from?
The largest single origin is Morrow County Non-migrants, with 12,929 households. Arriving households report an average income of $59,966 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 Morrow 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 Morrow 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.