Adams County, Ohio: commercial real estate data.
Adams County, Ohio had an estimated 27,671 residents on July 1, 2024, up 0.7 percent since the 2020 census base of 27,480, across 584 square miles. County output reached $1.07 bn in 2024, 421 establishments operate here, and the SBA record carries 19 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 2020-202427,540
- Households10,421
- Average household size2.64
- Median household income$50,264
- Median age42.1
- Median gross rent$732 per month
- Median owner-occupied home value$164,200
- Home value to household income3.3 times
- Annual rent as a share of median income17.5 percent
- Adults 25 and over with a bachelor degree or higher14.9 percent
- Adults 25 and over with a graduate degree7.1 percent
- Adults 25 and over18,748
- Population under 186,569
- Share under 1823.9 percent
- Population 65 and over5,229
- Share 65 and over19.0 percent
- Working age population, 18 to 6415,742
- Civilian labor force11,155
- Unemployment rate6.4 percent
- Labor force participation, adults 18 and over53.2 percent
- Rank by population among Ohio counties78th of 88
- Rank by population among US county-equivalents, Puerto Rico included1562nd of 3,222
Adams County is the 78th largest of 88 Ohio counties by population. A median home costs 3.3 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 23.9 percent against 19.0 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, 202427,671
- Census 2020 base population27,480
- Population change since the 2020 census base0.70 percent
- Population change, 2023 to 2024129
- Births, 2024324
- Deaths, 2024387
- Natural change, 2024-63
- Net domestic migration, 2024116
- Net international migration, 202477
- Total net migration, 2024193
- Cumulative net domestic migration, 2021 to 2024502
- Rank by growth among US county-equivalents1588th 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.
Adams County
Where are people moving to Adams County from?
- Tax returns filed by households arriving499
- People arriving, from those returns951
- Tax returns filed by households leaving497
- Net household movement2
- Adjusted gross income arriving$34.5 m
- Net adjusted gross income movement$13.1 m
- Average income of an arriving household$69,066
- Average income of a leaving household$42,924
- Largest single originBrown County (78 households)
- Largest single destinationBrown County (81 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Brown County | 78 | 163 | $4.1 m |
| Clermont County | 71 | 122 | $3.1 m |
| Highland County | 43 | 82 | $2.6 m |
| Scioto County | 34 | 71 | $1.4 m |
| Hamilton County | 28 | 48 | $1.9 m |
Households arriving report $26,142 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 Brown 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$1.07 bn
- County GDP, 2023$973.3 m
- GDP change, 2023 to 20249.6 percent
- GDP change over five years38.0 percent
- Rank by GDP among the Ohio areas BEA publishes80th of 88
- Rank by GDP among the US county areas BEA publishes1796th of 3,127
- GDP per resident$38,719
Output grew 9.6 percent in the latest year and 38.0 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 average6,800
- Establishments reporting672
- Average annual pay$52,396
- Average weekly wage$1,008
- Retail trade, employment854
- Retail trade, average annual pay$31,832
- Manufacturing, employment841
- Manufacturing, average annual pay$88,975
- Accommodation and food services, employment575
- Accommodation and food services, average annual pay$17,246
- Construction, employment449
- Construction, average annual pay$58,881
- Wholesale trade, employment237
- Administrative and support and waste management services, employment215
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 854 | 76 | $31,832 |
| Manufacturing | 841 | 34 | $88,975 |
| Accommodation and food services | 575 | 38 | $17,246 |
| Construction | 449 | 78 | $58,881 |
| Wholesale trade | 237 | 39 | $55,255 |
| Administrative and support and waste management services | 215 | 30 | $23,678 |
| Finance and insurance | 198 | 30 | $64,829 |
| Other services, except public administration | 110 | 48 | $37,902 |
Retail trade is the largest private sector at 854 jobs, 12.6 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 industries421
- Employment at those establishments4,914
- Annual payroll$216.7 m
- Establishments per 1,000 residents15.3
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.
Adams County
Building permits in Adams County
- Housing units authorized by permit, 202420
- Declared construction value permitted$6.2 m
- Single family units authorized20
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$312,118
- Units authorized per 1,000 households1.9
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.
Adams County
SBA loans in Adams County (7(a) and 504)
- 7(a) approvals recorded19
- 7(a) gross approval dollars$6.5 m
- Average 7(a) approval$343,558
- Median 7(a) approval$100,500
- Largest single approval$1,900,000
- Jobs reported supported, 7(a)240
- Jobs per approval12.6
- Distinct 7(a) lenders active10
- Distinct industries receiving approvals14
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer15.8 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter15
- Franchise loans2
- Franchise share of approvals10.5 percent
- Leading industry by approval countFull-Service Restaurants (4)
- Most active lenderU.S. Bank, National Association (4)
US Small Business Administration, 7(a) FOIA release, FY2020 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 recorded2
- Paid in full2
- Charged off0
- Status: Paid in full2
- Status: Cancelled2
- Status: Exempt from disclosure15
Only 2 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.
Adams County
SBA lending by place in Adams County
- Borrower cities with recorded lending4
- West Union, approvals8
- Winchester, approvals5
- Seaman, approvals3
- Peebles, approvals3
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| West Union | 8 | $4,071,000 |
| Winchester | 5 | $1,726,600 |
| Seaman | 3 | $615,000 |
| Peebles | 3 | $115,000 |
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 area584 sq mi
- Rank by land area among Ohio counties10th of 88
- Width, east to west23.8 mi
- Height, north to south31.2 mi
- Geographies sharing a boundary6
- Residents per square mile of land47
- Establishments per square mile0.72
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 390001
- Communities in the county in the NFIP Community Status Book5
- Of those, participating in the NFIP4
- NFIP participation rate80.0 percent
- Communities carrying a CRS class0
- 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 390001), 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. 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 2020-202427,540
- Households10,421
- Average household size2.64
- Median household income$50,264
- Median age42.1
Common questions
Adams County questions, answered from the record.
How many people live in Adams County, Ohio?
The Census Bureau estimates 27,671 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 27,540, in 10,421 households, ranking 78th of 88 Ohio 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 0.70 percent since the 2020 census base of 27,480, to 27,671 on July 1, 2024. In 2024 there were 324 births against 387 deaths, with net migration of 193. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Adams County?
$50,264. The median owner-occupied home is valued at $164,200, which is 3.3 times income, and median gross rent is $732 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Adams County?
421 establishments, employing 4,914 people with an annual payroll of $216.7 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?
Retail trade is the largest private sector at 854 jobs, 12.6 percent of covered employment. Covered employment averages 6,800 jobs at an average annual pay of $52,396, or $1,008 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?
19 7(a) approvals totaling $6.5 m since FY2020, across 10 lenders, with a median approval of $100,500. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Adams County?
20 housing units were authorized by permit in 2024, with a declared construction value of $6.2 m. Multifamily was 0.0 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 Brown County, with 78 households. Arriving households report an average income of $69,066 against $42,924 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.
8 Census places lie wholly or partly in Adams 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 |
|---|---|---|---|---|
| West Union | village | 2,899 | 8 | Wholly in this county |
| Manchester | village | 1,972 | None recorded | Wholly in this county |
| Peebles | village | 1,944 | 3 | Wholly in this county |
| Winchester | village | 1,282 | 5 | Wholly in this county |
| Seaman | village | 1,205 | 3 | Wholly in this county |
| Bentonville | CDP | 277 | None recorded | Wholly in this county |
| Cherry Fork | CDP | 61 | None recorded | Wholly in this county |
| Rome | CDP | 55 | None recorded | Wholly in this county |
Nearby