Dearborn County, Indiana: commercial real estate data.
Dearborn County, Indiana had an estimated 51,435 residents on July 1, 2024, up 1.5 percent since the 2020 census base of 50,678, across 305 square miles. County output reached $2.60 bn in 2024, 988 establishments operate here, and the SBA record carries 46 7(a) approvals worth $21.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Dearborn County
How many people live in Dearborn County
- Population, American Community Survey 2020-202451,094
- Households20,282
- Average household size2.52
- Median household income$84,735
- Median age42.1
- Median gross rent$845 per month
- Median owner-occupied home value$243,400
- Home value to household income2.9 times
- Annual rent as a share of median income12.0 percent
- Adults 25 and over with a bachelor degree or higher25.3 percent
- Adults 25 and over with a graduate degree9.1 percent
- Adults 25 and over35,955
- Population under 1811,176
- Share under 1821.9 percent
- Population 65 and over9,838
- Share 65 and over19.3 percent
- Working age population, 18 to 6430,080
- Civilian labor force25,929
- Unemployment rate1.9 percent
- Labor force participation, adults 18 and over65.0 percent
- Rank by population among Indiana counties28th of 92
- Rank by population among US county-equivalents, Puerto Rico included1001st of 3,222
Dearborn County is the 28th largest of 92 Indiana counties by population. A median home costs 2.9 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 21.9 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.
Dearborn County
Is Dearborn County's population growing?
- Population, July 1, 202451,435
- Census 2020 base population50,678
- Population change since the 2020 census base1.49 percent
- Population change, 2023 to 202421
- Births, 2024409
- Deaths, 2024542
- Natural change, 2024-133
- Net domestic migration, 2024141
- Net international migration, 202417
- Total net migration, 2024158
- Cumulative net domestic migration, 2021 to 20241,032
- Rank by growth among US county-equivalents1335th of 3,144
The county has grown 1.49 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration 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.
Dearborn County
Where are people moving to Dearborn County from?
- Tax returns filed by households arriving1,322
- People arriving, from those returns2,431
- Tax returns filed by households leaving1,174
- Net household movement148
- Adjusted gross income arriving$92.4 m
- Net adjusted gross income movement$30.9 m
- Average income of an arriving household$69,893
- Average income of a leaving household$52,350
- Largest single originHamilton County (434 households)
- Largest single destinationHamilton County (285 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Hamilton County | 434 | 809 | $35.5 m |
| Ripley County | 157 | 281 | $7.6 m |
| Boone County | 84 | 166 | $4.9 m |
| Ohio County | 58 | 114 | $3.1 m |
| Butler County | 55 | 105 | $4.6 m |
| Franklin County | 46 | 90 | $2.5 m |
| Kenton County | 40 | 70 | $2.6 m |
| Switzerland County | 24 | 57 | $1.1 m |
Households arriving report $17,543 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Hamilton 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.
Dearborn County
What is the Dearborn County economy?
- County GDP, 2024$2.60 bn
- County GDP, 2023$2.54 bn
- GDP change, 2023 to 20242.3 percent
- GDP change over five years32.1 percent
- Rank by GDP among the Indiana areas BEA publishes34th of 92
- Rank by GDP among the US county areas BEA publishes1083rd of 3,127
- GDP per resident$50,900
Output grew 2.3 percent in the latest year and 32.1 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.
Dearborn County
Employment by industry in Dearborn County
- Covered employment, annual average14,586
- Establishments reporting1,198
- Average annual pay$50,978
- Average weekly wage$980
- Accommodation and food services, employment2,500
- Accommodation and food services, average annual pay$26,090
- Manufacturing, employment1,987
- Manufacturing, average annual pay$72,109
- Retail trade, employment1,855
- Retail trade, average annual pay$35,569
- Arts, entertainment and recreation, employment454
- Arts, entertainment and recreation, average annual pay$23,483
- Administrative and support and waste management services, employment425
- Other services, except public administration, employment391
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Accommodation and food services | 2,500 | 96 | $26,090 |
| Manufacturing | 1,987 | 62 | $72,109 |
| Retail trade | 1,855 | 144 | $35,569 |
| Arts, entertainment and recreation | 454 | 16 | $23,483 |
| Administrative and support and waste management services | 425 | 64 | $45,426 |
| Other services, except public administration | 391 | 94 | $32,610 |
| Professional, scientific and technical services | 352 | 141 | $65,662 |
| Wholesale trade | 342 | 69 | $66,275 |
Accommodation and food services is the largest private sector at 2,500 jobs, 17.1 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Dearborn County
How many businesses are in Dearborn County?
- Establishments, all industries988
- Employment at those establishments12,570
- Annual payroll$585.4 m
- Establishments per 1,000 residents19.3
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.
Dearborn County
Building permits in Dearborn County
- Housing units authorized by permit, 2024120
- Declared construction value permitted$50.2 m
- Single family units authorized120
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$417,956
- Units authorized per 1,000 households5.9
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Dearborn County
SBA loans in Dearborn County (7(a) and 504)
- 7(a) approvals recorded46
- 7(a) gross approval dollars$21.6 m
- Average 7(a) approval$469,698
- Median 7(a) approval$123,750
- 10th percentile approval$20,000
- 90th percentile approval$969,100
- Largest single approval$3,726,000
- Jobs reported supported, 7(a)318
- Jobs per approval6.9
- Distinct 7(a) lenders active21
- Distinct industries receiving approvals32
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer23.9 percent
- Loans on real estate terms11
- Loans on working capital terms, 120 months or shorter34
- Franchise loans3
- Franchise share of approvals6.5 percent
- Most active lenderU.S. Bank, National Association (11)
- 504 approvals recorded15
- 504 gross approval dollars$10.7 m
- Average 504 approval$712,533
- Median 504 approval$353,000
- Distinct CDCs active3
- 504 jobs per approval11.7
- 504 jobs per million dollars approved16.4
- Most active CDCAlloy Development Co., Inc. (10)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$32.3 m
The average approval of $469,698 sits well above the median of $123,750, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 23.9 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.
Dearborn County
SBA loan default and charge-off rates in Dearborn County
Do SBA loans in Dearborn County get paid back?
- Loans with a final outcome recorded3
- Paid in full2
- Charged off1
- Status: Paid in full2
- Status: Exempt from disclosure32
- Status: Cancelled10
- Status: Charged off1
- Status: Committed, not yet disbursed1
Only 3 loans have 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.
Dearborn County
SBA lending by place in Dearborn County
- Borrower cities with recorded lending7
- Lawrenceburg, approvals16
- Aurora, approvals14
- West Harrison, approvals6
- Greendale, approvals4
- Guilford, approvals2
- Moores Hill, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Lawrenceburg | 16 | $6,439,500 |
| Aurora | 14 | $2,813,700 |
| West Harrison | 6 | $3,961,000 |
| Greendale | 4 | $7,111,900 |
| Guilford | 2 | $555,000 |
| Moores Hill | 2 | $375,000 |
| Auroa | 2 | $350,000 |
Lawrenceburg accounts for 16 approvals against 14 in Aurora. 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.
Dearborn County
How large is Dearborn County?
- Land area305 sq mi
- Rank by land area among Indiana counties81st of 92
- Width, east to west16.8 mi
- Height, north to south24.8 mi
- Geographies sharing a boundary5
- Residents per square mile of land168
- Establishments per square mile3.24
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.
Dearborn County
Flood risk in Dearborn County
- Participation of the county's own NFIP community Dearborn County, unincorporated areasParticipating, community 180038
- Communities in the county in the NFIP Community Status Book6
- Of those, participating in the NFIP6
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Dearborn County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The county's own community in the status book, unincorporated Dearborn County (community 180038), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Dearborn County in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 100.0 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 Dearborn 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 Dearborn County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202451,094
- Households20,282
- Average household size2.52
- Median household income$84,735
- Median age42.1
Common questions
Dearborn County questions, answered from the record.
How many people live in Dearborn County, Indiana?
The Census Bureau estimates 51,435 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 51,094, in 20,282 households, ranking 28th of 92 Indiana counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Dearborn County's population growing?
The population has grown 1.49 percent since the 2020 census base of 50,678, to 51,435 on July 1, 2024. In 2024 there were 409 births against 542 deaths, with net migration of 158. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Dearborn County?
$84,735. The median owner-occupied home is valued at $243,400, which is 2.9 times income, and median gross rent is $845 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Dearborn County?
988 establishments, employing 12,570 people with an annual payroll of $585.4 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 Dearborn County?
Accommodation and food services is the largest private sector at 2,500 jobs, 17.1 percent of covered employment. Covered employment averages 14,586 jobs at an average annual pay of $50,978, or $980 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Dearborn County?
46 7(a) approvals totaling $21.6 m since FY2020, across 21 lenders, with a median approval of $123,750, plus 15 504 approvals worth $10.7 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Dearborn County?
120 housing units were authorized by permit in 2024, with a declared construction value of $50.2 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Dearborn 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 Dearborn County come from?
The largest single origin is Hamilton County, with 434 households. Arriving households report an average income of $69,893 against $52,350 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Dearborn 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 Dearborn 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.
Dearborn County
Cities and places in Dearborn.
10 Census places lie wholly or partly in Dearborn County. All 10 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 |
|---|---|---|---|---|
| Hidden Valley | CDP | 5,706 | None recorded | Wholly in this county |
| Bright | CDP | 5,540 | None recorded | Wholly in this county |
| Lawrenceburg | city | 5,179 | 16 | Wholly in this county |
| Greendale | city | 3,986 | 4 | Wholly in this county |
| Aurora | city | 3,648 | 14 | Wholly in this county |
| Dillsboro | town | 1,697 | None recorded | Wholly in this county |
| St. Leon | town | 737 | None recorded | Wholly in this county |
| Moores Hill | town | 629 | 2 | Wholly in this county |
| Manchester | CDP | 343 | None recorded | Wholly in this county |
| West Harrison | town | 285 | 6 | Wholly in this county |
A further 4 of the county's 46 SBA 7(a) approvals are to borrowers in cities that match no Census place in Dearborn County, the largest being Guilford (2), Auroa (2). 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