Adams County, Indiana: commercial real estate data.
Adams County, Indiana had an estimated 36,584 residents on July 1, 2024, up 2.1 percent since the 2020 census base of 35,819, across 339 square miles. County output reached $2.32 bn in 2024, 768 establishments operate here, and the SBA record carries 13 7(a) approvals worth $6.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Adams County
How many people live in Adams County
- Population, American Community Survey 2020-202436,227
- Households12,401
- Average household size2.92
- Median household income$65,289
- Median age33.2
- Median gross rent$833 per month
- Median owner-occupied home value$178,400
- Home value to household income2.7 times
- Annual rent as a share of median income15.3 percent
- Adults 25 and over with a bachelor degree or higher16.2 percent
- Adults 25 and over with a graduate degree5.1 percent
- Adults 25 and over21,694
- Population under 1811,335
- Share under 1831.3 percent
- Population 65 and over5,921
- Share 65 and over16.3 percent
- Working age population, 18 to 6418,971
- Civilian labor force15,969
- Unemployment rate2.8 percent
- Labor force participation, adults 18 and over64.2 percent
- Rank by population among Indiana counties43rd of 92
- Rank by population among US county-equivalents, Puerto Rico included1311th of 3,222
Adams County is the 43rd largest of 92 Indiana counties by population. A median home costs 2.7 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 31.3 percent against 16.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Adams County
Is Adams County's population growing?
- Population, July 1, 202436,584
- Census 2020 base population35,819
- Population change since the 2020 census base2.14 percent
- Population change, 2023 to 2024115
- Births, 2024637
- Deaths, 2024307
- Natural change, 2024330
- Net domestic migration, 2024-268
- Net international migration, 202457
- Total net migration, 2024-211
- Cumulative net domestic migration, 2021 to 2024-665
- Rank by growth among US county-equivalents1121st of 3,144
The county has grown 2.14 percent since the 2020 census base. Births exceeded deaths in 2024 by more than net migration took away, so the population grew even though more people left than moved in.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Adams County
Where are people moving to Adams County from?
- Tax returns filed by households arriving549
- People arriving, from those returns1,003
- Tax returns filed by households leaving553
- Net household movement-4
- Adjusted gross income arriving$25.4 m
- Net adjusted gross income movement$-1.6 m
- Average income of an arriving household$46,344
- Average income of a leaving household$48,962
- Largest single originAllen County (139 households)
- Largest single destinationAllen County (140 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Allen County | 139 | 271 | $6.5 m |
| Wells County | 98 | 188 | $4.2 m |
| Jay County | 29 | 58 | $1.1 m |
Households arriving report $2,618 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Allen County, 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.
Adams County
What is the Adams County economy?
- County GDP, 2024$2.32 bn
- County GDP, 2023$2.23 bn
- GDP change, 2023 to 20243.8 percent
- GDP change over five years31.4 percent
- Rank by GDP among the Indiana areas BEA publishes39th of 92
- Rank by GDP among the US county areas BEA publishes1166th of 3,127
- GDP per resident$63,976
Output grew 3.8 percent in the latest year and 31.4 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.
Adams County
Employment by industry in Adams County
- Covered employment, annual average12,932
- Establishments reporting786
- Average annual pay$49,465
- Average weekly wage$951
- Manufacturing, employment4,062
- Manufacturing, average annual pay$61,182
- Retail trade, employment1,644
- Retail trade, average annual pay$33,711
- Accommodation and food services, employment821
- Accommodation and food services, average annual pay$15,475
- Health care and social assistance, employment810
- Health care and social assistance, average annual pay$37,126
- Wholesale trade, employment561
- Construction, employment528
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 4,062 | 64 | $61,182 |
| Retail trade | 1,644 | 124 | $33,711 |
| Accommodation and food services | 821 | 52 | $15,475 |
| Health care and social assistance | 810 | 48 | $37,126 |
| Wholesale trade | 561 | 43 | $74,599 |
| Construction | 528 | 87 | $57,926 |
| Administrative and support and waste management services | 387 | 51 | $35,705 |
| Other services, except public administration | 353 | 70 | $31,337 |
Manufacturing is the largest private sector at 4,062 jobs, 31.4 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Adams County
How many businesses are in Adams County?
- Establishments, all industries768
- Employment at those establishments11,967
- Annual payroll$582.4 m
- Establishments per 1,000 residents21.2
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Adams County
Building permits in Adams County
- Housing units authorized by permit, 202485
- Declared construction value permitted$21.5 m
- Single family units authorized81
- Multifamily units authorized4
- Multifamily share of units4.7 percent
- Average declared value per unit$252,414
- Units authorized per 1,000 households6.9
Single-family homes are 95.3 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Adams County
SBA loans in Adams County (7(a) and 504)
- 7(a) approvals recorded13
- 7(a) gross approval dollars$6.5 m
- Average 7(a) approval$499,123
- Median 7(a) approval$126,000
- Largest single approval$4,725,000
- Jobs reported supported, 7(a)81
- Jobs per approval6.2
- Distinct 7(a) lenders active6
- Distinct industries receiving approvals9
- 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 shorter12
- Franchise loans1
- Franchise share of approvals7.7 percent
- Leading industry by approval countGeneral Freight Trucking, Local (4)
- Most active lender1st Source Bank (5)
- 504 approvals recorded6
- 504 gross approval dollars$1.8 m
- Average 504 approval$292,167
- Median 504 approval$225,500
- Distinct CDCs active3
- 504 jobs per approval9.3
- 504 jobs per million dollars approved31.9
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$8.2 m
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.
Adams County
SBA loan default and charge-off rates in Adams County
Do SBA loans in Adams County get paid back?
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Exempt from disclosure12
- Status: Paid in full1
Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Adams County
SBA lending by place in Adams County
- Borrower cities with recorded lending5
- Decatur, approvals8
- Geneva, approvals2
- Berne, approvals1
- Bluffton, approvals1
- Monroe, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Decatur | 8 | $1,455,600 |
| Geneva | 2 | $158,000 |
| Berne | 1 | $4,725,000 |
| Bluffton | 1 | $100,000 |
| Monroe | 1 | $50,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Adams County
How large is Adams County?
- Land area339 sq mi
- Rank by land area among Indiana counties71st of 92
- Width, east to west14.2 mi
- Height, north to south24.5 mi
- Geographies sharing a boundary5
- Residents per square mile of land107
- Establishments per square mile2.27
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.
Adams County
Flood risk in Adams County
- Participation of the county's own NFIP community Adams County, unincorporated areasParticipating, community 180424
- Communities in the county in the NFIP Community Status Book5
- Of those, participating in the NFIP4
- NFIP participation rate80.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 7
- Communities carrying a CRS class1
- Radon levels in Adams County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The county's own community in the status book, unincorporated Adams County (community 180424), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Adams County in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. The best Community Rating System class among the county's communities is 7, which carries a flood insurance premium discount for policies written in that community. 80.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Feasibility studies
When a Adams 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 Adams County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202436,227
- Households12,401
- Average household size2.92
- Median household income$65,289
- Median age33.2
Common questions
Adams County questions, answered from the record.
How many people live in Adams County, Indiana?
The Census Bureau estimates 36,584 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 36,227, in 12,401 households, ranking 43rd of 92 Indiana counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Adams County's population growing?
The population has grown 2.14 percent since the 2020 census base of 35,819, to 36,584 on July 1, 2024. In 2024 there were 637 births against 307 deaths, with net migration of -211. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Adams County?
$65,289. The median owner-occupied home is valued at $178,400, which is 2.7 times income, and median gross rent is $833 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Adams County?
768 establishments, employing 11,967 people with an annual payroll of $582.4 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Adams County?
Manufacturing is the largest private sector at 4,062 jobs, 31.4 percent of covered employment. Covered employment averages 12,932 jobs at an average annual pay of $49,465, or $951 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Adams County?
13 7(a) approvals totaling $6.5 m since FY2020, across 6 lenders, with a median approval of $126,000, plus 6 504 approvals worth $1.8 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Adams County?
85 housing units were authorized by permit in 2024, with a declared construction value of $21.5 m. Multifamily was 4.7 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Adams 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 Adams County come from?
The largest single origin is Allen County, with 139 households. Arriving households report an average income of $46,344 against $48,962 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Adams 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 Adams County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Adams County
Cities and places in Adams.
7 Census places lie wholly or partly in Adams County. All 7 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Decatur | city | 9,811 | 8 | Wholly in this county |
| Berne | city | 3,965 | 1 | Wholly in this county |
| Geneva | town | 1,347 | 2 | Wholly in this county |
| Monroe | town | 707 | 1 | Wholly in this county |
| Linn Grove | CDP | 396 | None recorded | Wholly in this county |
| Pleasant Mills | CDP | 124 | None recorded | Wholly in this county |
| Preble | CDP | 88 | None recorded | Wholly in this county |
A further 1 of the county's 13 SBA 7(a) approvals are to borrowers in cities that match no Census place in Adams County, the largest being Bluffton (1). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby