Miami County, Indiana: commercial real estate data.
Miami County, Indiana had an estimated 35,613 residents on July 1, 2024, down 1.0 percent since the 2020 census base of 35,961, across 374 square miles. County output reached $1.29 bn in 2024, 584 establishments operate here, and the SBA record carries 7 7(a) approvals worth $3.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Miami County
How many people live in Miami County
- Population, American Community Survey 2020-202435,712
- Households13,318
- Average household size2.68
- Median household income$61,139
- Median age41.5
- Median gross rent$838 per month
- Median owner-occupied home value$126,200
- Home value to household income2.1 times
- Annual rent as a share of median income16.4 percent
- Adults 25 and over with a bachelor degree or higher16.1 percent
- Adults 25 and over with a graduate degree5.0 percent
- Adults 25 and over25,173
- Population under 187,430
- Share under 1820.8 percent
- Population 65 and over6,494
- Share 65 and over18.2 percent
- Working age population, 18 to 6421,788
- Civilian labor force15,991
- Unemployment rate6.6 percent
- Labor force participation, adults 18 and over56.5 percent
- Rank by population among Indiana counties45th of 92
- Rank by population among US county-equivalents, Puerto Rico included1324th of 3,222
Miami County is the 45th largest of 92 Indiana counties by population. A median home costs 2.1 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 20.8 percent against 18.2 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's population growing?
- Population, July 1, 202435,613
- Census 2020 base population35,961
- Population change since the 2020 census base-0.97 percent
- Population change, 2023 to 2024136
- Births, 2024326
- Deaths, 2024403
- Natural change, 2024-77
- Net domestic migration, 2024199
- Net international migration, 202415
- Total net migration, 2024214
- Cumulative net domestic migration, 2021 to 2024118
- Rank by growth among US county-equivalents2176th of 3,144
The county has lost 0.97 percent of its population 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.
Miami County
Where are people moving to Miami County from?
- Tax returns filed by households arriving876
- People arriving, from those returns1,618
- Tax returns filed by households leaving985
- Net household movement-109
- Adjusted gross income arriving$32.0 m
- Net adjusted gross income movement$-4.3 m
- Average income of an arriving household$36,587
- Average income of a leaving household$36,931
- Largest single originHoward County (155 households)
- Largest single destinationHoward County (216 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Howard County | 155 | 287 | $5.7 m |
| Cass County | 105 | 210 | $3.6 m |
| Wabash County | 73 | 144 | $2.7 m |
| Marion County | 41 | 59 | $1.3 m |
| Fulton County | 37 | 66 | $1.2 m |
| Grant County | 35 | 66 | $1.2 m |
| Madison County | 21 | 33 | $405,000 |
| Hamilton County | 20 | 42 | $1.2 m |
Households arriving report $344 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Howard 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.
Miami County
What is the Miami County economy?
- County GDP, 2024$1.29 bn
- County GDP, 2023$1.22 bn
- GDP change, 2023 to 20245.6 percent
- GDP change over five years32.7 percent
- Rank by GDP among the Indiana areas BEA publishes61st of 92
- Rank by GDP among the US county areas BEA publishes1637th of 3,127
- GDP per resident$36,157
Output grew 5.6 percent in the latest year and 32.7 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
Employment by industry in Miami County
- Covered employment, annual average9,077
- Establishments reporting637
- Average annual pay$49,711
- Average weekly wage$956
- Manufacturing, employment1,484
- Manufacturing, average annual pay$54,819
- Retail trade, employment842
- Retail trade, average annual pay$35,223
- Accommodation and food services, employment810
- Accommodation and food services, average annual pay$16,793
- Construction, employment538
- Construction, average annual pay$77,874
- Transportation and warehousing, employment417
- Other services, except public administration, employment333
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 1,484 | 36 | $54,819 |
| Retail trade | 842 | 82 | $35,223 |
| Accommodation and food services | 810 | 61 | $16,793 |
| Construction | 538 | 64 | $77,874 |
| Transportation and warehousing | 417 | 32 | $54,311 |
| Other services, except public administration | 333 | 48 | $24,864 |
| Finance and insurance | 239 | 34 | $59,213 |
| Wholesale trade | 207 | 34 | $75,994 |
Manufacturing is the largest private sector at 1,484 jobs, 16.3 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Miami County
How many businesses are in Miami County?
- Establishments, all industries584
- Employment at those establishments6,390
- Annual payroll$276.5 m
- Establishments per 1,000 residents16.4
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. 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.
Miami County
Building permits in Miami County
- Housing units authorized by permit, 202435
- Declared construction value permitted$5.3 m
- Single family units authorized35
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$151,265
- Units authorized per 1,000 households2.6
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.
Miami County
SBA loans in Miami County (7(a) and 504)
- 7(a) approvals recorded7
- 7(a) gross approval dollars$3.3 m
- Average 7(a) approval$475,786
- Median 7(a) approval$400,000
- Largest single approval$1,600,000
- Jobs reported supported, 7(a)105
- Jobs per approval15.0
- Distinct 7(a) lenders active6
- Distinct industries receiving approvals5
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer42.9 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter4
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countFull-Service Restaurants (3)
- 504 approvals recorded2
- 504 gross approval dollars$1.2 m
- Average 504 approval$611,500
- Median 504 approval$611,500
- Distinct CDCs active1
- 504 jobs per approval6.5
- 504 jobs per million dollars approved10.6
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$4.6 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.
Miami County
SBA loan default and charge-off rates in Miami County
Do SBA loans in Miami County get paid back?
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Exempt from disclosure5
- Status: Paid in full1
- Status: Cancelled1
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.
Miami County
SBA lending by place in Miami County
- Borrower cities with recorded lending2
- Peru, approvals6
- Converse, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Peru | 6 | $3,280,500 |
| Converse | 1 | $50,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Miami County
How large is Miami County?
- Land area374 sq mi
- Rank by land area among Indiana counties61st of 92
- Width, east to west16 mi
- Height, north to south30.1 mi
- Geographies sharing a boundary5
- Residents per square mile of land95
- Establishments per square mile1.56
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
Flood risk in Miami County
- Participation of the county's own NFIP community Miami County, unincorporated areasParticipating, community 180409
- Communities in the county in the NFIP Community Status Book7
- Of those, participating in the NFIP5
- NFIP participation rate71.4 percent
- Communities carrying a CRS class0
- Radon levels in Miami 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 Miami County (community 180409), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Miami 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. 71.4 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 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.
- Population, American Community Survey 2020-202435,712
- Households13,318
- Average household size2.68
- Median household income$61,139
- Median age41.5
Common questions
Miami County questions, answered from the record.
How many people live in Miami County, Indiana?
The Census Bureau estimates 35,613 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 35,712, in 13,318 households, ranking 45th of 92 Indiana counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Miami County's population growing?
The population has fallen 0.97 percent since the 2020 census base of 35,961, to 35,613 on July 1, 2024. In 2024 there were 326 births against 403 deaths, with net migration of 214. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Miami County?
$61,139. The median owner-occupied home is valued at $126,200, which is 2.1 times income, and median gross rent is $838 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Miami County?
584 establishments, employing 6,390 people with an annual payroll of $276.5 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 Miami County?
Manufacturing is the largest private sector at 1,484 jobs, 16.3 percent of covered employment. Covered employment averages 9,077 jobs at an average annual pay of $49,711, or $956 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Miami County?
7 7(a) approvals totaling $3.3 m since FY2020, across 6 lenders, with a median approval of $400,000, plus 2 504 approvals worth $1.2 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Miami County?
35 housing units were authorized by permit in 2024, with a declared construction value of $5.3 m. Multifamily was 0.0 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 Howard County, with 155 households. Arriving households report an average income of $36,587 against $36,931 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?
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.
Miami County
Cities and places in Miami.
12 Census places lie wholly or partly in Miami County. All 12 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 |
|---|---|---|---|---|
| Peru | city | 10,901 | 6 | Wholly in this county |
| Grissom AFB | CDP | 2,977 | None recorded | 94.9 percent here, 5.1 percent Cass County |
| Bunker Hill | town | 940 | None recorded | Wholly in this county |
| Mexico | CDP | 906 | None recorded | Wholly in this county |
| Converse | town | 813 | 1 | 82.3 percent here, 17.7 percent Grant County |
| Denver | town | 553 | None recorded | Wholly in this county |
| Miami | CDP | 409 | None recorded | Wholly in this county |
| Amboy | town | 338 | None recorded | Wholly in this county |
| Macy | town | 199 | None recorded | Wholly in this county |
| Bennetts Switch | CDP | 141 | None recorded | Wholly in this county |
| Chili | CDP | 48 | None recorded | Wholly in this county |
| North Grove | CDP | 8 | None recorded | Wholly in this county |
Nearby