Ashtabula County, Ohio: commercial real estate data.
Ashtabula County, Ohio had an estimated 96,906 residents on July 1, 2024, down 0.7 percent since the 2020 census base of 97,580, across 702 square miles. County output reached $4.40 bn in 2024, 1,843 establishments operate here, and the SBA record carries 251 7(a) approvals worth $51.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Ashtabula County
How many people live in Ashtabula County
- Population, American Community Survey 2020-202497,167
- Households39,245
- Average household size2.48
- Median household income$57,728
- Median age43.0
- Median gross rent$828 per month
- Median owner-occupied home value$159,500
- Home value to household income2.8 times
- Annual rent as a share of median income17.2 percent
- Adults 25 and over with a bachelor degree or higher16.1 percent
- Adults 25 and over with a graduate degree5.8 percent
- Adults 25 and over68,512
- Population under 1821,230
- Share under 1821.8 percent
- Population 65 and over19,694
- Share 65 and over20.3 percent
- Working age population, 18 to 6456,243
- Civilian labor force44,800
- Unemployment rate6.6 percent
- Labor force participation, adults 18 and over59.0 percent
- Rank by population among Ohio counties28th of 88
- Rank by population among US county-equivalents, Puerto Rico included636th of 3,222
Ashtabula County is the 28th largest of 88 Ohio counties by population. A median home costs 2.8 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 21.8 percent against 20.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Ashtabula County
Is Ashtabula County's population growing?
- Population, July 1, 202496,906
- Census 2020 base population97,580
- Population change since the 2020 census base-0.69 percent
- Population change, 2023 to 2024-56
- Births, 2024955
- Deaths, 20241,299
- Natural change, 2024-344
- Net domestic migration, 2024194
- Net international migration, 202497
- Total net migration, 2024291
- Cumulative net domestic migration, 2021 to 2024713
- Rank by growth among US county-equivalents2088th of 3,144
The county has lost 0.69 percent of its population since the 2020 census base. Deaths exceeded births in 2024 by more than net migration added, so the population fell even though more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Ashtabula County
Where are people moving to Ashtabula County from?
- Tax returns filed by households arriving1,674
- People arriving, from those returns2,900
- Tax returns filed by households leaving1,677
- Net household movement-3
- Adjusted gross income arriving$92.8 m
- Net adjusted gross income movement$9.9 m
- Average income of an arriving household$55,432
- Average income of a leaving household$49,416
- Largest single originLake County (390 households)
- Largest single destinationLake County (392 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Lake County | 390 | 682 | $19.0 m |
| Cuyahoga County | 146 | 220 | $6.4 m |
| Trumbull County | 122 | 215 | $5.9 m |
| Geauga County | 109 | 206 | $5.1 m |
| Erie County | 74 | 146 | $2.8 m |
| Mahoning County | 38 | 56 | $1.3 m |
| Summit County | 37 | 51 | $2.2 m |
| Portage County | 28 | 41 | $1.5 m |
Households arriving report $6,016 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 Lake 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.
Ashtabula County
What is the Ashtabula County economy?
- County GDP, 2024$4.40 bn
- County GDP, 2023$4.16 bn
- GDP change, 2023 to 20245.8 percent
- GDP change over five years34.5 percent
- Rank by GDP among the Ohio areas BEA publishes35th of 88
- Rank by GDP among the US county areas BEA publishes764th of 3,127
- GDP per resident$45,242
Output grew 5.8 percent in the latest year and 34.5 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.
Ashtabula County
Employment by industry in Ashtabula County
- Covered employment, annual average29,406
- Establishments reporting2,250
- Average annual pay$47,141
- Average weekly wage$907
- Manufacturing, employment7,009
- Manufacturing, average annual pay$62,126
- Health care and social assistance, employment5,272
- Health care and social assistance, average annual pay$47,159
- Retail trade, employment3,284
- Retail trade, average annual pay$31,810
- Accommodation and food services, employment3,031
- Accommodation and food services, average annual pay$19,383
- Administrative and support and waste management services, employment1,237
- Construction, employment1,091
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 7,009 | 163 | $62,126 |
| Health care and social assistance | 5,272 | 219 | $47,159 |
| Retail trade | 3,284 | 291 | $31,810 |
| Accommodation and food services | 3,031 | 242 | $19,383 |
| Administrative and support and waste management services | 1,237 | 119 | $37,774 |
| Construction | 1,091 | 196 | $61,943 |
| Other services, except public administration | 884 | 217 | $25,422 |
| Transportation and warehousing | 655 | 88 | $51,363 |
Manufacturing is the largest private sector at 7,009 jobs, 23.8 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Ashtabula County
How many businesses are in Ashtabula County?
- Establishments, all industries1,843
- Employment at those establishments24,616
- Annual payroll$1.10 bn
- Establishments per 1,000 residents19.0
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.
Ashtabula County
Building permits in Ashtabula County
- Housing units authorized by permit, 2024155
- Declared construction value permitted$35.0 m
- Single family units authorized140
- Multifamily units authorized15
- Multifamily share of units9.7 percent
- Average declared value per unit$226,065
- Units authorized per 1,000 households3.9
Single-family homes are 90.3 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Ashtabula County
SBA loans in Ashtabula County (7(a) and 504)
- 7(a) approvals recorded251
- 7(a) gross approval dollars$51.1 m
- Average 7(a) approval$203,419
- Median 7(a) approval$50,000
- 10th percentile approval$20,000
- 90th percentile approval$450,000
- Largest single approval$4,995,000
- Jobs reported supported, 7(a)917
- Jobs per approval3.7
- Distinct 7(a) lenders active20
- Distinct industries receiving approvals104
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer7.6 percent
- Loans on real estate terms19
- Loans on working capital terms, 120 months or shorter227
- Franchise loans12
- Franchise share of approvals4.8 percent
- Most active lenderThe Huntington National Bank (201)
- 504 approvals recorded12
- 504 gross approval dollars$4.4 m
- Average 504 approval$366,167
- Median 504 approval$271,000
- Distinct CDCs active4
- 504 jobs per approval6.6
- 504 jobs per million dollars approved18.0
- Most active CDCGrowth Capital Corp. (8)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$55.5 m
The average approval of $203,419 sits well above the median of $50,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 7.6 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.
Ashtabula County
SBA loan default and charge-off rates in Ashtabula County
Do SBA loans in Ashtabula County get paid back?
- Loans with a final outcome recorded45
- Paid in full45
- Charged off0
- Charge-off rate on resolved loans0.0 percent
- Status: Cancelled17
- Status: Exempt from disclosure168
- Status: Paid in full45
- Status: Committed, not yet disbursed21
Of the 45 loans that have reached a final outcome, 0.0 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
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.
Ashtabula County
SBA lending by place in Ashtabula County
- Borrower cities with recorded lending20
- Ashtabula, approvals41
- Geneva, approvals41
- Jefferson, approvals34
- Conneaut, approvals28
- Andover, approvals17
- Orwell, approvals17
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Ashtabula | 41 | $8,718,200 |
| Geneva | 41 | $7,277,500 |
| Jefferson | 34 | $5,530,800 |
| Conneaut | 28 | $5,347,300 |
| Andover | 17 | $5,670,800 |
| Orwell | 17 | $1,997,300 |
| Rome | 16 | $1,011,000 |
| Windsor | 11 | $1,603,300 |
| 12 other borrower cities | 46 | $13,901,900 |
Ashtabula accounts for 41 approvals against 41 in Geneva. 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.
Ashtabula County
How large is Ashtabula County?
- Land area702 sq mi
- Rank by land area among Ohio counties1st of 88
- Width, east to west25 mi
- Height, north to south33 mi
- Geographies sharing a boundary5
- Residents per square mile of land138
- Establishments per square mile2.63
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.
Ashtabula County
Flood risk in Ashtabula County
- Participation of the county's own NFIP community Ashtabula County, unincorporated areasParticipating, community 390010
- Communities in the county in the NFIP Community Status Book9
- Of those, participating in the NFIP9
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Ashtabula 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 Ashtabula County (community 390010), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Ashtabula 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 Ashtabula 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 Ashtabula County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202497,167
- Households39,245
- Average household size2.48
- Median household income$57,728
- Median age43.0
Common questions
Ashtabula County questions, answered from the record.
How many people live in Ashtabula County, Ohio?
The Census Bureau estimates 96,906 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 97,167, in 39,245 households, ranking 28th of 88 Ohio counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Ashtabula County's population growing?
The population has fallen 0.69 percent since the 2020 census base of 97,580, to 96,906 on July 1, 2024. In 2024 there were 955 births against 1,299 deaths, with net migration of 291. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Ashtabula County?
$57,728. The median owner-occupied home is valued at $159,500, which is 2.8 times income, and median gross rent is $828 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Ashtabula County?
1,843 establishments, employing 24,616 people with an annual payroll of $1.10 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 Ashtabula County?
Manufacturing is the largest private sector at 7,009 jobs, 23.8 percent of covered employment. Covered employment averages 29,406 jobs at an average annual pay of $47,141, or $907 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Ashtabula County?
251 7(a) approvals totaling $51.1 m since FY2020, across 20 lenders, with a median approval of $50,000, plus 12 504 approvals worth $4.4 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Ashtabula County get paid back?
Of the 45 loans that have reached a final outcome, 45 were paid in full and 0 charged off, a charge-off rate of 0.0 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Ashtabula County?
155 housing units were authorized by permit in 2024, with a declared construction value of $35.0 m. Multifamily was 9.7 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Ashtabula 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 Ashtabula County come from?
The largest single origin is Lake County, with 390 households. Arriving households report an average income of $55,432 against $49,416 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Ashtabula 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 Ashtabula 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.
Ashtabula County
Cities and places in Ashtabula.
14 Census places lie wholly or partly in Ashtabula County. All 14 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 |
|---|---|---|---|---|
| Ashtabula | city | 17,856 | 41 | Wholly in this county |
| Conneaut | city | 12,357 | 28 | Wholly in this county |
| Geneva | city | 5,886 | 41 | Wholly in this county |
| Edgewood | CDP | 4,107 | None recorded | Wholly in this county |
| Jefferson | village | 3,522 | 34 | Wholly in this county |
| North Kingsville | village | 2,741 | 3 | Wholly in this county |
| Roaming Shores | village | 1,936 | 2 | Wholly in this county |
| Orwell | village | 1,707 | 17 | Wholly in this county |
| Saybrook-on-the-Lake | CDP | 1,001 | None recorded | Wholly in this county |
| Geneva-on-the-Lake | village | 888 | None recorded | Wholly in this county |
| Andover | village | 797 | 17 | Wholly in this county |
| Rock Creek | village | 766 | 8 | Wholly in this county |
| Kingsville | CDP | 566 | 6 | Wholly in this county |
| Austinburg | CDP | 359 | 4 | Wholly in this county |
A further 50 of the county's 251 SBA 7(a) approvals are to borrowers in cities that match no Census place in Ashtabula County, the largest being Rome (16), Windsor (11), Williamsfield (7). 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