Ohio County, Kentucky: commercial real estate data.
Ohio County, Kentucky had an estimated 23,933 residents on July 1, 2024, up 0.7 percent since the 2020 census base of 23,767, across 587 square miles. County output reached $1.08 bn in 2024, 371 establishments operate here, and the SBA record carries 2 7(a) approvals worth $832,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Ohio County
How many people live in Ohio County
- Population, American Community Survey 2020-202423,735
- Households9,107
- Average household size2.61
- Median household income$57,798
- Median age40.5
- Median gross rent$739 per month
- Median owner-occupied home value$121,400
- Home value to household income2.1 times
- Annual rent as a share of median income15.3 percent
- Adults 25 and over with a bachelor degree or higher13.9 percent
- Adults 25 and over with a graduate degree5.5 percent
- Adults 25 and over16,217
- Population under 185,663
- Share under 1823.9 percent
- Population 65 and over4,425
- Share 65 and over18.6 percent
- Working age population, 18 to 6413,647
- Civilian labor force10,341
- Unemployment rate5.0 percent
- Labor force participation, adults 18 and over57.2 percent
- Rank by population among Kentucky counties49th of 120
- Rank by population among US county-equivalents, Puerto Rico included1702nd of 3,222
Ohio County is the 49th largest of 120 Kentucky 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 23.9 percent against 18.6 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Ohio County
Is Ohio County's population growing?
- Population, July 1, 202423,933
- Census 2020 base population23,767
- Population change since the 2020 census base0.70 percent
- Population change, 2023 to 2024214
- Births, 2024263
- Deaths, 2024353
- Natural change, 2024-90
- Net domestic migration, 2024163
- Net international migration, 2024142
- Total net migration, 2024305
- Cumulative net domestic migration, 2021 to 2024227
- Rank by growth among US county-equivalents1587th of 3,144
The county has grown 0.70 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.
Ohio County
Where are people moving to Ohio County from?
- Tax returns filed by households arriving485
- People arriving, from those returns991
- Tax returns filed by households leaving427
- Net household movement58
- Adjusted gross income arriving$21.9 m
- Net adjusted gross income movement$4.6 m
- Average income of an arriving household$45,161
- Average income of a leaving household$40,445
- Largest single originDaviess County (163 households)
- Largest single destinationDaviess County (172 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Daviess County | 163 | 348 | $7.1 m |
| Muhlenberg County | 41 | 87 | $1.4 m |
| Warren County | 28 | 47 | $1.1 m |
| Butler County | 26 | 52 | $1.1 m |
Households arriving report $4,716 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 Daviess 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.
Ohio County
What is the Ohio County economy?
- County GDP, 2024$1.08 bn
- County GDP, 2023$1.06 bn
- GDP change, 2023 to 20241.2 percent
- GDP change over five years37.3 percent
- Rank by GDP among the Kentucky areas BEA publishes46th of 120
- Rank by GDP among the US county areas BEA publishes1785th of 3,127
- GDP per resident$45,391
Output grew 1.2 percent in the latest year and 37.3 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.
Ohio County
Employment by industry in Ohio County
- Covered employment, annual average7,387
- Establishments reporting516
- Average annual pay$44,414
- Average weekly wage$854
- Manufacturing, employment2,326
- Manufacturing, average annual pay$51,230
- Retail trade, employment828
- Retail trade, average annual pay$28,959
- Administrative and support and waste management services, employment402
- Administrative and support and waste management services, average annual pay$41,084
- Construction, employment179
- Construction, average annual pay$54,589
- Other services, except public administration, employment110
- Agriculture, forestry, fishing and hunting, employment82
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 2,326 | 32 | $51,230 |
| Retail trade | 828 | 79 | $28,959 |
| Administrative and support and waste management services | 402 | 24 | $41,084 |
| Construction | 179 | 48 | $54,589 |
| Other services, except public administration | 110 | 32 | $41,952 |
| Agriculture, forestry, fishing and hunting | 82 | 19 | $48,419 |
| Finance and insurance | 76 | 18 | $47,237 |
| Transportation and warehousing | 73 | 10 | $67,744 |
Manufacturing is the largest private sector at 2,326 jobs, 31.5 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Ohio County
How many businesses are in Ohio County?
- Establishments, all industries371
- Employment at those establishments7,858
- Annual payroll$265.2 m
- Establishments per 1,000 residents15.6
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.
Ohio County
Building permits in Ohio County
- Housing units authorized by permit, 202417
- Declared construction value permitted$1.9 m
- Single family units authorized5
- Multifamily units authorized12
- Multifamily share of units70.6 percent
- Average declared value per unit$112,941
- Units authorized per 1,000 households1.9
Multifamily is 70.6 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Ohio County
SBA loans in Ohio County (7(a) and 504)
- 7(a) approvals recorded2
- 7(a) gross approval dollars$832,000
- Average 7(a) approval$416,000
- Median 7(a) approval$416,000
- Largest single approval$822,000
- Jobs reported supported, 7(a)7
- Jobs per approval3.5
- Distinct 7(a) lenders active2
- Distinct industries receiving approvals2
- Median 7(a) term210 months
- Share of loans on real estate terms, 240 months or longer50.0 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter1
- Franchise loans1
- Franchise share of approvals50.0 percent
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Ohio County
SBA loan default and charge-off rates in Ohio County
Do SBA loans in Ohio County get paid back?
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure2
Only 0 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.
Ohio County
SBA lending by place in Ohio County
- Borrower cities with recorded lending2
- Fordsville, approvals1
- Utica, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Fordsville | 1 | $822,000 |
| Utica | 1 | $10,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Ohio County
How large is Ohio County?
- Land area587 sq mi
- Rank by land area among Kentucky counties5th of 120
- Width, east to west28 mi
- Height, north to south36.3 mi
- Geographies sharing a boundary7
- Residents per square mile of land40
- Establishments per square mile0.63
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.
Ohio County
Flood risk in Ohio County
- Participation of the county's own NFIP community Ohio County, unincorporated areasParticipating, community 210183
- Communities in the county in the NFIP Community Status Book6
- Of those, participating in the NFIP3
- NFIP participation rate50.0 percent
- Communities carrying a CRS class0
- Radon levels in Ohio 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 Ohio County (community 210183), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Ohio 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. 50.0 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 Ohio 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 Ohio County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202423,735
- Households9,107
- Average household size2.61
- Median household income$57,798
- Median age40.5
Common questions
Ohio County questions, answered from the record.
How many people live in Ohio County, Kentucky?
The Census Bureau estimates 23,933 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 23,735, in 9,107 households, ranking 49th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Ohio County's population growing?
The population has grown 0.70 percent since the 2020 census base of 23,767, to 23,933 on July 1, 2024. In 2024 there were 263 births against 353 deaths, with net migration of 305. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Ohio County?
$57,798. The median owner-occupied home is valued at $121,400, which is 2.1 times income, and median gross rent is $739 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Ohio County?
371 establishments, employing 7,858 people with an annual payroll of $265.2 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 Ohio County?
Manufacturing is the largest private sector at 2,326 jobs, 31.5 percent of covered employment. Covered employment averages 7,387 jobs at an average annual pay of $44,414, or $854 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Ohio County?
2 7(a) approvals totaling $832,000 since FY2020, across 2 lenders, with a median approval of $416,000. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Ohio County?
17 housing units were authorized by permit in 2024, with a declared construction value of $1.9 m. Multifamily was 70.6 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Ohio 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 Ohio County come from?
The largest single origin is Daviess County, with 163 households. Arriving households report an average income of $45,161 against $40,445 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Ohio 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 Ohio 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.
Ohio County
Cities and places in Ohio.
8 Census places lie wholly or partly in Ohio County. All 8 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 |
|---|---|---|---|---|
| Beaver Dam | city | 3,524 | None recorded | Wholly in this county |
| Hartford | city | 2,649 | None recorded | Wholly in this county |
| Pleasant Ridge | CDP | 487 | None recorded | 45.5 percent here, 54.5 percent Daviess County |
| Fordsville | city | 453 | 1 | Wholly in this county |
| McHenry | city | 385 | None recorded | Wholly in this county |
| Centertown | city | 371 | None recorded | Wholly in this county |
| Rockport | city | 233 | None recorded | Wholly in this county |
| Rosine | CDP | 76 | None recorded | Wholly in this county |
A further 1 of the county's 2 SBA 7(a) approvals are to borrowers in cities that match no Census place in Ohio County, the largest being Utica (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.