Union County, Ohio: commercial real estate data.
Union County, Ohio has a population of 67,324 across 432 square miles, up 14.2 percent since the 2020 census base. County output reached $6.20 bn in 2024, 1,240 establishments operate here, and the SBA record carries 104 7(a) approvals worth $42.0 m.
127 sourced county values · tier FULL · 12 sections
Union County
How many people live in Union County
- Population67,324
- Households24,232
- Average household size2.78
- Median household income$112,322
- Median age38.5
- Median gross rent$1,247 per month
- Median owner-occupied home value$344,900
- Home value to household income3.1 times
- Annual rent as a share of median income13.3 percent
- Adults 25 and over with a bachelor degree or higher39.2 percent
- Adults 25 and over with a graduate degree13.7 percent
- Adults 25 and over46,052
- Population under 1816,248
- Share under 1824.1 percent
- Population 65 and over8,889
- Share 65 and over13.2 percent
- Working age population, 18 to 6442,187
- Civilian labor force36,226
- Unemployment rate2.6 percent
- Labor force participation, adults 18 and over70.9 percent
- Rank by population among Ohio counties36th of 88
- Rank by population among US county-equivalents814th
Union County is the 36th largest of 88 Ohio counties by population. A median home costs 3.1 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 24.1 percent against 13.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Union County
Is Union County growing
- Population change since the 2020 census base14.22 percent
- Census 2020 base population62,790
- Births, 2024731
- Deaths, 2024510
- Natural change, 2024221
- Net domestic migration, 20241,464
- Net international migration, 2024278
- Total net migration, 20241,742
- Cumulative net domestic migration, 2021 to 20247,131
- Rank by growth among US county-equivalents72nd
The county has grown 14.22 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.
Union County
Where people moving to Union County come from
- Tax returns filed by households arriving2,729
- People arriving, from those returns5,390
- Adjusted gross income arriving$284.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$104,314
- Largest single originUnion County Non-migrants (23,302 households)
- Largest single destination (23,302 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Union County Non-migrants | 23,302 | 52,095 | $3.17 bn |
| Franklin County | 1,133 | 2,340 | $140.0 m |
| Other flows - Different State | 545 | 1,119 | $52.0 m |
| Other flows - Same State | 339 | 577 | $27.2 m |
| Other flows - South | 273 | 571 | $25.1 m |
| Delaware County | 250 | 503 | $34.0 m |
| Logan County | 135 | 238 | $8.6 m |
| Other flows - Midwest | 125 | 244 | $13.3 m |
The largest single source of arrivals is Union 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.
Union County
What the Union County economy runs on
- County GDP, 2024$6.20 bn
- County GDP, 2023$5.58 bn
- GDP change, 2023 to 202411.1 percent
- GDP change over five years35.1 percent
- Rank by GDP among Ohio counties25th
- Rank by GDP among US county-equivalents635th
- GDP per resident$92,088
Output grew 11.1 percent in the latest year and 35.1 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.
Union County
Who employs people in Union County
- Covered employment, annual average34,660
- Establishments reporting1,580
- Average annual pay$74,039
- Average weekly wage$1,424
- Sector 31-33, employment8,337
- Sector 31-33, average annual pay$100,124
- Sector 56, employment4,677
- Sector 56, average annual pay$42,990
- Sector 44-45, employment2,981
- Sector 44-45, average annual pay$40,666
- Sector 72, employment2,004
- Sector 72, average annual pay$22,135
- Sector 23, employment1,750
- Sector 48-49, employment1,674
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 8,337 | 80 | $100,124 |
| Sector 56 | 4,677 | 115 | $42,990 |
| Sector 44-45 | 2,981 | 131 | $40,666 |
| Sector 72 | 2,004 | 98 | $22,135 |
| Sector 23 | 1,750 | 155 | $93,083 |
| Sector 48-49 | 1,674 | 56 | $55,493 |
| Sector 62 | 1,551 | 115 | $60,894 |
| Sector 42 | 919 | 120 | $82,092 |
The largest sector is the biggest private employer group at 8,337 jobs, 24.1 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.
Union County
What businesses operate in Union County
- Establishments, all industries1,240
- Employment at those establishments29,795
- Annual payroll$1.83 bn
- Establishments per 1,000 residents18.4
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.
Union County
What is being built in Union County
- Housing units authorised by permit, 20241,498
- Declared construction value permitted$361.2 m
- Single family units authorised646
- Multifamily units authorised852
- Multifamily share of units56.9 percent
- Average declared value per unit$241,093
- Units authorised per 1,000 households61.8
Multifamily is 56.9 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Union County
How much SBA lending happens in Union County
- 7(a) approvals recorded104
- 7(a) gross approval dollars$42.0 m
- Average 7(a) approval$403,540
- Median 7(a) approval$100,000
- 10th percentile approval$15,000
- 90th percentile approval$790,500
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)496
- Jobs per approval4.8
- Distinct 7(a) lenders active26
- Distinct industries receiving approvals58
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer13.5 percent
- Loans on real estate terms14
- Loans on working capital terms, 120 months or shorter89
- Franchise loans9
- Franchise share of approvals8.7 percent
- Leading industry by approval countGeneral Freight Trucking, Long-Distance, Truckload (5)
- Most active lenderThe Huntington National Bank (55)
- 504 approvals recorded11
- 504 gross approval dollars$9.0 m
- Average 504 approval$815,364
- Median 504 approval$539,000
- Distinct CDCs active3
- 504 jobs per approval13.1
- 504 jobs per million dollars approved16.1
- Most active CDCCommunity Capital Development Corporation (7)
- 7(a) share of SBA approvals90.4 percent
- Combined SBA approval dollars$50.9 m
The average approval of $403,540 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 13.5 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.
Union County
Do SBA loans in Union County get paid back
- Loans with a final outcome recorded16
- Paid in full16
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Paid in full16
- Status: Cancelled8
- Status: Exempt from disclosure78
- Status: Committed, not yet disbursed2
Of the 16 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.
Union County
Which parts of Union County get the lending
- Places in the county with recorded lending8
- Marysville, approvals71
- PLAIN CITY, approvals20
- Ostrander, approvals5
- Marsyville, approvals2
- DUBLIN, approvals2
- RAYMOND, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Marysville | 71 | $33,916,200 |
| PLAIN CITY | 20 | $6,609,500 |
| Ostrander | 5 | $76,400 |
| Marsyville | 2 | $499,000 |
| DUBLIN | 2 | $105,000 |
| RAYMOND | 2 | $605,000 |
| RICHWOOD | 1 | $80,000 |
| WEST MANSFIELD | 1 | $77,100 |
Marysville accounts for 71 approvals against 20 in PLAIN CITY. 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.
Union County
How big is Union County
- Land area432 sq mi
- Rank by land area among Ohio counties45th of 88
- Width, east to west20.1 mi
- Height, north to south27.6 mi
- Geographies sharing a boundary7
- Residents per square mile of land156
- Establishments per square mile2.87
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.
Union County
What hazards affect Union County
- EPA radon zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
- Communities in the NFIP Community Status Book8
- Of those, participating in the NFIP7
- NFIP participation rate87.5 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 Union 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 Union County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population67,324
- Households24,232
- Average household size2.78
- Median household income$112,322
- Median age38.5
Common questions
Union County questions, answered from the record.
How many people live in Union County, Ohio?
67,324, in 24,232 households, ranking 36th of 88 Ohio counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Union County growing?
The population has grown 14.22 percent since the 2020 census base. In 2024 there were 731 births against 510 deaths, with net migration of 1,742. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Union County?
$112,322. The median owner-occupied home is valued at $344,900, which is 3.1 times income, and median gross rent is $1,247 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Union County?
1,240 establishments, employing 29,795 people with an annual payroll of $1.83 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 Union County?
Average annual pay is $74,039, or $1,424 a week, across 34,660 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Union County?
104 7(a) approvals totalling $42.0 m since FY2020, across 26 lenders, with a median approval of $100,000, plus 11 504 approvals worth $9.0 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Union County get paid back?
Of the 16 loans that have reached a final outcome, 16 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 Union County?
1,498 housing units were authorised by permit in 2024, with a declared construction value of $361.2 m. Multifamily was 56.9 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Union 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 Union County come from?
The largest single origin is Union County Non-migrants, with 23,302 households. Arriving households report an average income of $104,314 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 Union 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 Union 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.