Allen County, Ohio: commercial real estate data.
Allen County, Ohio had an estimated 100,866 residents on July 1, 2024, down 1.3 percent since the 2020 census base of 102,217, across 402 square miles. County output reached $11.17 bn in 2024, 2,239 establishments operate here, and the SBA record carries 89 7(a) approvals worth $31.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Allen County
How many people live in Allen County
- Population, American Community Survey 2020-2024101,348
- Households41,295
- Average household size2.45
- Median household income$64,038
- Median age39.7
- Median gross rent$922 per month
- Median owner-occupied home value$165,300
- Home value to household income2.6 times
- Annual rent as a share of median income17.3 percent
- Adults 25 and over with a bachelor degree or higher20.1 percent
- Adults 25 and over with a graduate degree7.8 percent
- Adults 25 and over68,305
- Population under 1823,836
- Share under 1823.5 percent
- Population 65 and over19,375
- Share 65 and over19.1 percent
- Working age population, 18 to 6458,137
- Civilian labor force48,690
- Unemployment rate5.7 percent
- Labor force participation, adults 18 and over62.8 percent
- Rank by population among Ohio counties26th of 88
- Rank by population among US county-equivalents, Puerto Rico included612th of 3,222
Allen County is the 26th largest of 88 Ohio counties by population. A median home costs 2.6 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 23.5 percent against 19.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Allen County
Is Allen County's population growing?
- Population, July 1, 2024100,866
- Census 2020 base population102,217
- Population change since the 2020 census base-1.32 percent
- Population change, 2023 to 202415
- Births, 20241,200
- Deaths, 20241,193
- Natural change, 20247
- Net domestic migration, 2024-157
- Net international migration, 2024165
- Total net migration, 20248
- Cumulative net domestic migration, 2021 to 2024-1,217
- Rank by growth among US county-equivalents2300th of 3,144
The county has lost 1.32 percent of its population since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Allen County
Where are people moving to Allen County from?
- Tax returns filed by households arriving1,934
- People arriving, from those returns3,335
- Tax returns filed by households leaving2,174
- Net household movement-240
- Adjusted gross income arriving$98.0 m
- Net adjusted gross income movement$-25.9 m
- Average income of an arriving household$50,651
- Average income of a leaving household$56,974
- Largest single originAuglaize County (222 households)
- Largest single destinationAuglaize County (264 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Auglaize County | 222 | 388 | $9.6 m |
| Van Wert County | 128 | 225 | $5.8 m |
| Putnam County | 112 | 199 | $5.4 m |
| Franklin County | 100 | 168 | $5.0 m |
| Hardin County | 99 | 172 | $4.3 m |
| Hancock County | 97 | 175 | $4.2 m |
| Logan County | 46 | 82 | $2.0 m |
| Montgomery County | 36 | 65 | $1.5 m |
Households arriving report $6,323 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Auglaize 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.
Allen County
What is the Allen County economy?
- County GDP, 2024$11.17 bn
- County GDP, 2023$10.69 bn
- GDP change, 2023 to 20244.5 percent
- GDP change over five years40.5 percent
- Rank by GDP among the Ohio areas BEA publishes15th of 88
- Rank by GDP among the US county areas BEA publishes404th of 3,127
- GDP per resident$110,183
Output grew 4.5 percent in the latest year and 40.5 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.
Allen County
Employment by industry in Allen County
- Covered employment, annual average49,690
- Establishments reporting2,586
- Average annual pay$58,790
- Average weekly wage$1,131
- Health care and social assistance, employment9,452
- Health care and social assistance, average annual pay$60,348
- Manufacturing, employment8,779
- Manufacturing, average annual pay$92,093
- Retail trade, employment5,261
- Retail trade, average annual pay$34,262
- Accommodation and food services, employment4,737
- Accommodation and food services, average annual pay$20,846
- Administrative and support and waste management services, employment3,263
- Wholesale trade, employment2,386
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 9,452 | 325 | $60,348 |
| Manufacturing | 8,779 | 131 | $92,093 |
| Retail trade | 5,261 | 380 | $34,262 |
| Accommodation and food services | 4,737 | 240 | $20,846 |
| Administrative and support and waste management services | 3,263 | 140 | $52,429 |
| Wholesale trade | 2,386 | 138 | $66,162 |
| Construction | 2,056 | 212 | $70,217 |
| Other services, except public administration | 1,613 | 240 | $36,657 |
Health care and social assistance is the largest private sector at 9,452 jobs, 19.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Allen County
How many businesses are in Allen County?
- Establishments, all industries2,239
- Employment at those establishments44,251
- Annual payroll$2.34 bn
- Establishments per 1,000 residents22.1
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.
Allen County
Building permits in Allen County
- Housing units authorized by permit, 2024100
- Declared construction value permitted$28.0 m
- Single family units authorized94
- Multifamily units authorized6
- Multifamily share of units6.0 percent
- Average declared value per unit$280,062
- Units authorized per 1,000 households2.4
Single-family homes are 94.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Allen County
SBA loans in Allen County (7(a) and 504)
- 7(a) approvals recorded89
- 7(a) gross approval dollars$31.7 m
- Average 7(a) approval$356,728
- Median 7(a) approval$127,000
- 10th percentile approval$24,800
- 90th percentile approval$847,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)638
- Jobs per approval7.2
- Distinct 7(a) lenders active20
- Distinct industries receiving approvals46
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer12.4 percent
- Loans on real estate terms11
- Loans on working capital terms, 120 months or shorter72
- Franchise loans8
- Franchise share of approvals9.0 percent
- Most active lenderThe Huntington National Bank (43)
- 504 approvals recorded24
- 504 gross approval dollars$18.0 m
- Average 504 approval$750,083
- Median 504 approval$489,500
- Distinct CDCs active5
- 504 jobs per approval12.8
- 504 jobs per million dollars approved17.1
- Most active CDCWest Central Partnership, Inc. (19)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$49.8 m
The average approval of $356,728 sits well above the median of $127,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 12.4 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.
Allen County
SBA loan default and charge-off rates in Allen County
Do SBA loans in Allen County get paid back?
- Loans with a final outcome recorded14
- Paid in full14
- Charged off0
- Status: Paid in full14
- Status: Exempt from disclosure61
- Status: Committed, not yet disbursed2
- Status: Cancelled12
Only 14 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.
Allen County
SBA lending by place in Allen County
- Borrower cities with recorded lending9
- Lima, approvals64
- Bluffton, approvals7
- Spencerville, approvals6
- Harrod, approvals4
- Elida, approvals3
- Delphos, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Lima | 64 | $24,422,400 |
| Bluffton | 7 | $562,400 |
| Spencerville | 6 | $271,500 |
| Harrod | 4 | $433,500 |
| Elida | 3 | $1,495,000 |
| Delphos | 2 | $2,327,500 |
| Findlay | 1 | $1,250,000 |
| Fort Wayne | 1 | $559,000 |
| 1 other borrower city | 1 | $427,500 |
Lima accounts for 64 approvals against 7 in Bluffton. 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.
Allen County
How large is Allen County?
- Land area402 sq mi
- Rank by land area among Ohio counties76th of 88
- Width, east to west27.1 mi
- Height, north to south19.2 mi
- Geographies sharing a boundary5
- Residents per square mile of land252
- Establishments per square mile5.57
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.
Allen County
Flood risk in Allen County
- Participation of the county's own NFIP community Allen County, unincorporated areasParticipating, community 390758
- Communities in the county in the NFIP Community Status Book7
- Of those, participating in the NFIP6
- NFIP participation rate85.7 percent
- Communities carrying a CRS class0
- Radon levels in Allen 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 Allen County (community 390758), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Allen 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. 85.7 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 Allen 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 Allen County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024101,348
- Households41,295
- Average household size2.45
- Median household income$64,038
- Median age39.7
Common questions
Allen County questions, answered from the record.
How many people live in Allen County, Ohio?
The Census Bureau estimates 100,866 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 101,348, in 41,295 households, ranking 26th of 88 Ohio counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Allen County's population growing?
The population has fallen 1.32 percent since the 2020 census base of 102,217, to 100,866 on July 1, 2024. In 2024 there were 1,200 births against 1,193 deaths, with net migration of 8. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Allen County?
$64,038. The median owner-occupied home is valued at $165,300, which is 2.6 times income, and median gross rent is $922 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Allen County?
2,239 establishments, employing 44,251 people with an annual payroll of $2.34 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Allen County?
Health care and social assistance is the largest private sector at 9,452 jobs, 19.0 percent of covered employment. Covered employment averages 49,690 jobs at an average annual pay of $58,790, or $1,131 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Allen County?
89 7(a) approvals totaling $31.7 m since FY2020, across 20 lenders, with a median approval of $127,000, plus 24 504 approvals worth $18.0 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Allen County?
100 housing units were authorized by permit in 2024, with a declared construction value of $28.0 m. Multifamily was 6.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Allen 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 Allen County come from?
The largest single origin is Auglaize County, with 222 households. Arriving households report an average income of $50,651 against $56,974 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Allen 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 Allen 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.
Allen County
Cities and places in Allen.
12 Census places lie wholly or partly in Allen 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 |
|---|---|---|---|---|
| Lima | city | 35,010 | 64 | Wholly in this county |
| Delphos | city | 7,143 | 2 | 58.8 percent here, 41.2 percent Van Wert County |
| Fort Shawnee | CDP | 6,209 | None recorded | Wholly in this county |
| Bluffton | village | 3,859 | 7 | 70.8 percent here, 29.2 percent Hancock County |
| Elida | village | 2,163 | 3 | Wholly in this county |
| Spencerville | village | 2,107 | 6 | Wholly in this county |
| Cairo | village | 581 | None recorded | Wholly in this county |
| Westminster | CDP | 526 | None recorded | Wholly in this county |
| Harrod | village | 453 | 4 | Wholly in this county |
| Beaverdam | village | 404 | None recorded | Wholly in this county |
| Lafayette | village | 293 | None recorded | Wholly in this county |
| Gomer | CDP | 148 | None recorded | Wholly in this county |
A further 3 of the county's 89 SBA 7(a) approvals are to borrowers in cities that match no Census place in Allen County, the largest being Findlay (1), Fort Wayne (1), Ada (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