Clermont County, Ohio: commercial real estate data.
Clermont County, Ohio had an estimated 214,123 residents on July 1, 2024, up 2.7 percent since the 2020 census base of 208,595, across 452 square miles. County output reached $10.61 bn in 2024, 3,773 establishments operate here, and the SBA record carries 418 7(a) approvals worth $173.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Clermont County
How many people live in Clermont County
- Population, American Community Survey 2020-2024211,181
- Households84,955
- Average household size2.49
- Median household income$85,510
- Median age40.8
- Median gross rent$1,107 per month
- Median owner-occupied home value$266,200
- Home value to household income3.1 times
- Annual rent as a share of median income15.5 percent
- Adults 25 and over with a bachelor degree or higher31.6 percent
- Adults 25 and over with a graduate degree12.1 percent
- Adults 25 and over147,938
- Population under 1846,722
- Share under 1822.1 percent
- Population 65 and over38,826
- Share 65 and over18.4 percent
- Working age population, 18 to 64125,633
- Civilian labor force109,600
- Unemployment rate4.2 percent
- Labor force participation, adults 18 and over66.6 percent
- Rank by population among Ohio counties14th of 88
- Rank by population among US county-equivalents, Puerto Rico included330th of 3,222
Clermont County is the 14th largest of 88 Ohio counties by population. A median home costs 3.1 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 22.1 percent against 18.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Clermont County
Is Clermont County's population growing?
- Population, July 1, 2024214,123
- Census 2020 base population208,595
- Population change since the 2020 census base2.65 percent
- Population change, 2023 to 20241,921
- Births, 20242,166
- Deaths, 20242,130
- Natural change, 202436
- Net domestic migration, 20241,455
- Net international migration, 2024431
- Total net migration, 20241,886
- Cumulative net domestic migration, 2021 to 20244,497
- Rank by growth among US county-equivalents964th of 3,144
The county has grown 2.65 percent 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.
Clermont County
Where are people moving to Clermont County from?
- Tax returns filed by households arriving5,950
- People arriving, from those returns10,114
- Tax returns filed by households leaving5,556
- Net household movement394
- Adjusted gross income arriving$443.1 m
- Net adjusted gross income movement$72.3 m
- Average income of an arriving household$74,472
- Average income of a leaving household$66,749
- Largest single originHamilton County (2,220 households)
- Largest single destinationHamilton County (1,632 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Hamilton County | 2,220 | 3,742 | $153.5 m |
| Brown County | 458 | 806 | $19.8 m |
| Warren County | 439 | 697 | $31.5 m |
| Butler County | 341 | 584 | $20.7 m |
| Kenton County | 163 | 255 | $10.1 m |
| Campbell County | 114 | 174 | $7.2 m |
| Boone County | 97 | 171 | $6.6 m |
| Clinton County | 93 | 175 | $4.2 m |
Households arriving report $7,723 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 Hamilton 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.
Clermont County
What is the Clermont County economy?
- County GDP, 2024$10.61 bn
- County GDP, 2023$9.97 bn
- GDP change, 2023 to 20246.4 percent
- GDP change over five years12.9 percent
- Rank by GDP among the Ohio areas BEA publishes18th of 88
- Rank by GDP among the US county areas BEA publishes420th of 3,127
- GDP per resident$50,226
Output grew 6.4 percent in the latest year and 12.9 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.
Clermont County
Employment by industry in Clermont County
- Covered employment, annual average62,149
- Establishments reporting5,080
- Average annual pay$57,779
- Average weekly wage$1,111
- Retail trade, employment9,046
- Retail trade, average annual pay$37,497
- Accommodation and food services, employment7,580
- Accommodation and food services, average annual pay$22,471
- Health care and social assistance, employment6,730
- Health care and social assistance, average annual pay$51,818
- Manufacturing, employment6,442
- Manufacturing, average annual pay$68,403
- Construction, employment3,858
- Administrative and support and waste management services, employment3,662
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 9,046 | 555 | $37,497 |
| Accommodation and food services | 7,580 | 396 | $22,471 |
| Health care and social assistance | 6,730 | 454 | $51,818 |
| Manufacturing | 6,442 | 205 | $68,403 |
| Construction | 3,858 | 539 | $67,554 |
| Administrative and support and waste management services | 3,662 | 356 | $58,155 |
| Transportation and warehousing | 3,531 | 119 | $71,424 |
| Professional, scientific and technical services | 2,727 | 741 | $85,680 |
Retail trade is the largest private sector at 9,046 jobs, 14.6 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Clermont County
How many businesses are in Clermont County?
- Establishments, all industries3,773
- Employment at those establishments55,685
- Annual payroll$2.86 bn
- Establishments per 1,000 residents17.9
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.
Clermont County
Building permits in Clermont County
- Housing units authorized by permit, 2024996
- Declared construction value permitted$247.0 m
- Single family units authorized664
- Multifamily units authorized332
- Multifamily share of units33.3 percent
- Average declared value per unit$247,979
- Units authorized per 1,000 households11.7
Single-family homes are 66.7 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Clermont County
SBA loans in Clermont County (7(a) and 504)
- 7(a) approvals recorded418
- 7(a) gross approval dollars$173.1 m
- Average 7(a) approval$414,079
- Median 7(a) approval$167,300
- 10th percentile approval$25,000
- 90th percentile approval$1,063,200
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)3,499
- Jobs per approval8.4
- Distinct 7(a) lenders active41
- Distinct industries receiving approvals147
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer14.4 percent
- Loans on real estate terms60
- Loans on working capital terms, 120 months or shorter342
- Franchise loans42
- Franchise share of approvals10.0 percent
- Leading industry by approval countLandscaping Services (21)
- Most active lenderThe Huntington National Bank (205)
- 504 approvals recorded76
- 504 gross approval dollars$53.0 m
- Average 504 approval$696,934
- Median 504 approval$343,500
- Distinct CDCs active5
- 504 jobs per approval11.1
- 504 jobs per million dollars approved16.0
- Most active CDCAlloy Development Co., Inc. (71)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$226.1 m
The average approval of $414,079 sits well above the median of $167,300, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 14.4 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.
Clermont County
SBA loan default and charge-off rates in Clermont County
Do SBA loans in Clermont County get paid back?
- Loans with a final outcome recorded87
- Paid in full82
- Charged off5
- Charge-off rate on resolved loans5.7 percent
- Status: Paid in full82
- Status: Cancelled60
- Status: Exempt from disclosure235
- Status: Charged off5
- Status: Committed, not yet disbursed36
Of the 87 loans that have reached a final outcome, 5.7 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.
Clermont County
SBA lending by place in Clermont County
- Borrower cities with recorded lending15
- Milford, approvals100
- Loveland, approvals97
- Cincinnati, approvals59
- Batavia, approvals49
- Amelia, approvals44
- Goshen, approvals24
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Milford | 100 | $47,096,200 |
| Loveland | 97 | $25,116,100 |
| Cincinnati | 59 | $33,012,900 |
| Batavia | 49 | $30,273,100 |
| Amelia | 44 | $14,557,400 |
| Goshen | 24 | $9,394,800 |
| Bethel | 20 | $4,717,300 |
| New Richmond | 11 | $3,364,600 |
| 7 other borrower cities | 14 | $5,552,500 |
Milford accounts for 100 approvals against 97 in Loveland. 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.
Clermont County
How large is Clermont County?
- Land area452 sq mi
- Rank by land area among Ohio counties42nd of 88
- Width, east to west17.6 mi
- Height, north to south34.5 mi
- Geographies sharing a boundary7
- Residents per square mile of land467
- Establishments per square mile8.35
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.
Clermont County
Flood risk in Clermont County
- Participation of the county's own NFIP community Clermont County, unincorporated areasParticipating, community 390065
- Communities in the county in the NFIP Community Status Book9
- Of those, participating in the NFIP9
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 10
- Communities carrying a CRS class1
- Radon levels in Clermont 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 Clermont County (community 390065), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Clermont 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. The best Community Rating System class among the county's communities is 10, which carries a flood insurance premium discount for policies written in that community. 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 Clermont 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 Clermont County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024211,181
- Households84,955
- Average household size2.49
- Median household income$85,510
- Median age40.8
Common questions
Clermont County questions, answered from the record.
How many people live in Clermont County, Ohio?
The Census Bureau estimates 214,123 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 211,181, in 84,955 households, ranking 14th of 88 Ohio counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Clermont County's population growing?
The population has grown 2.65 percent since the 2020 census base of 208,595, to 214,123 on July 1, 2024. In 2024 there were 2,166 births against 2,130 deaths, with net migration of 1,886. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Clermont County?
$85,510. The median owner-occupied home is valued at $266,200, which is 3.1 times income, and median gross rent is $1,107 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Clermont County?
3,773 establishments, employing 55,685 people with an annual payroll of $2.86 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 Clermont County?
Retail trade is the largest private sector at 9,046 jobs, 14.6 percent of covered employment. Covered employment averages 62,149 jobs at an average annual pay of $57,779, or $1,111 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Clermont County?
418 7(a) approvals totaling $173.1 m since FY2020, across 41 lenders, with a median approval of $167,300, plus 76 504 approvals worth $53.0 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Clermont County get paid back?
Of the 87 loans that have reached a final outcome, 82 were paid in full and 5 charged off, a charge-off rate of 5.7 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Clermont County?
996 housing units were authorized by permit in 2024, with a declared construction value of $247.0 m. Multifamily was 33.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Clermont 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 Clermont County come from?
The largest single origin is Hamilton County, with 2,220 households. Arriving households report an average income of $74,472 against $66,749 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Clermont 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 Clermont 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.
Clermont County
Cities and places in Clermont.
21 Census places lie wholly or partly in Clermont County. All 21 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 |
|---|---|---|---|---|
| Loveland | city | 13,197 | 97 | 28.2 percent here, 61.7 percent Hamilton County, 10.1 percent Warren County |
| Amelia | CDP | 12,871 | 44 | Wholly in this county |
| Withamsville | CDP | 7,429 | None recorded | Wholly in this county |
| Milford | city | 6,497 | 100 | 96.1 percent here, 3.9 percent Hamilton County |
| Mount Carmel | CDP | 4,890 | None recorded | Wholly in this county |
| Summerside | CDP | 4,662 | None recorded | Wholly in this county |
| Mulberry | CDP | 3,821 | None recorded | Wholly in this county |
| Mount Repose | CDP | 3,798 | None recorded | Wholly in this county |
| Batavia | village | 2,794 | 49 | Wholly in this county |
| New Richmond | village | 2,766 | 11 | Wholly in this county |
| Bethel | village | 2,658 | 20 | Wholly in this county |
| Williamsburg | village | 2,608 | 5 | Wholly in this county |
| Day Heights | CDP | 2,457 | None recorded | Wholly in this county |
| Goshen | CDP | 759 | 24 | Wholly in this county |
| Owensville | village | 620 | None recorded | Wholly in this county |
| Felicity | village | 465 | 1 | Wholly in this county |
| Moscow | village | 147 | 4 | Wholly in this county |
| Marathon | CDP | 146 | None recorded | Wholly in this county |
| Miamiville | CDP | 97 | None recorded | Wholly in this county |
| Neville | village | 74 | None recorded | Wholly in this county |
| Chilo | village | 15 | None recorded | Wholly in this county |
A further 63 of the county's 418 SBA 7(a) approvals are to borrowers in cities that match no Census place in Clermont County, the largest being Cincinnati (59), Mason (1), Montgomery (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.