Fulton County, Ohio: commercial real estate data.
Fulton County, Ohio had an estimated 42,028 residents on July 1, 2024, down 1.6 percent since the 2020 census base of 42,705, across 405 square miles. County output reached $2.61 bn in 2024, 924 establishments operate here, and the SBA record carries 70 7(a) approvals worth $13.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Fulton County
How many people live in Fulton County
- Population, American Community Survey 2020-202442,240
- Households16,986
- Average household size2.49
- Median household income$72,864
- Median age41.5
- Median gross rent$863 per month
- Median owner-occupied home value$191,000
- Home value to household income2.6 times
- Annual rent as a share of median income14.2 percent
- Adults 25 and over with a bachelor degree or higher20.2 percent
- Adults 25 and over with a graduate degree7.9 percent
- Adults 25 and over29,187
- Population under 189,750
- Share under 1823.1 percent
- Population 65 and over8,209
- Share 65 and over19.4 percent
- Working age population, 18 to 6424,281
- Civilian labor force21,412
- Unemployment rate3.9 percent
- Labor force participation, adults 18 and over65.9 percent
- Rank by population among Ohio counties58th of 88
- Rank by population among US county-equivalents, Puerto Rico included1164th of 3,222
Fulton County is the 58th 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 23.1 percent against 19.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Fulton County
Is Fulton County's population growing?
- Population, July 1, 202442,028
- Census 2020 base population42,705
- Population change since the 2020 census base-1.59 percent
- Population change, 2023 to 202477
- Births, 2024435
- Deaths, 2024460
- Natural change, 2024-25
- Net domestic migration, 202434
- Net international migration, 202470
- Total net migration, 2024104
- Cumulative net domestic migration, 2021 to 2024-489
- Rank by growth among US county-equivalents2385th of 3,144
The county has lost 1.59 percent of its population 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.
Fulton County
Where are people moving to Fulton County from?
- Tax returns filed by households arriving983
- People arriving, from those returns1,755
- Tax returns filed by households leaving1,126
- Net household movement-143
- Adjusted gross income arriving$50.3 m
- Net adjusted gross income movement$-5.5 m
- Average income of an arriving household$51,145
- Average income of a leaving household$49,504
- Largest single originLucas County (344 households)
- Largest single destinationLucas County (336 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Lucas County | 344 | 636 | $17.7 m |
| Henry County | 95 | 179 | $4.2 m |
| Williams County | 76 | 137 | $4.4 m |
| Wood County | 51 | 77 | $2.5 m |
| Defiance County | 44 | 68 | $1.8 m |
| Lenawee County | 32 | 56 | $1.1 m |
Households arriving report $1,641 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 Lucas 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.
Fulton County
What is the Fulton County economy?
- County GDP, 2024$2.61 bn
- County GDP, 2023$2.63 bn
- GDP change, 2023 to 2024-0.6 percent
- GDP change over five years22.7 percent
- Rank by GDP among the Ohio areas BEA publishes55th of 88
- Rank by GDP among the US county areas BEA publishes1081st of 3,127
- GDP per resident$61,834
Output grew -0.6 percent in the latest year and 22.7 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.
Fulton County
Employment by industry in Fulton County
- Covered employment, annual average18,066
- Establishments reporting1,138
- Average annual pay$57,129
- Average weekly wage$1,099
- Manufacturing, employment5,739
- Manufacturing, average annual pay$71,229
- Retail trade, employment1,561
- Retail trade, average annual pay$34,179
- Wholesale trade, employment1,183
- Wholesale trade, average annual pay$71,847
- Accommodation and food services, employment1,038
- Accommodation and food services, average annual pay$17,613
- Construction, employment811
- Administrative and support and waste management services, employment738
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 5,739 | 90 | $71,229 |
| Retail trade | 1,561 | 138 | $34,179 |
| Wholesale trade | 1,183 | 87 | $71,847 |
| Accommodation and food services | 1,038 | 74 | $17,613 |
| Construction | 811 | 138 | $102,776 |
| Administrative and support and waste management services | 738 | 56 | $35,952 |
| Other services, except public administration | 392 | 85 | $38,647 |
| Arts, entertainment and recreation | 337 | 12 | $16,316 |
Manufacturing is the largest private sector at 5,739 jobs, 31.8 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Fulton County
How many businesses are in Fulton County?
- Establishments, all industries924
- Employment at those establishments15,890
- Annual payroll$852.6 m
- Establishments per 1,000 residents21.9
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.
Fulton County
Building permits in Fulton County
- Housing units authorized by permit, 202424
- Declared construction value permitted$8.2 m
- Single family units authorized24
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$343,677
- Units authorized per 1,000 households1.4
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.
Fulton County
SBA loans in Fulton County (7(a) and 504)
- 7(a) approvals recorded70
- 7(a) gross approval dollars$13.1 m
- Average 7(a) approval$187,661
- Median 7(a) approval$50,000
- 10th percentile approval$15,000
- 90th percentile approval$496,620
- Largest single approval$1,451,500
- Jobs reported supported, 7(a)360
- Jobs per approval5.1
- Distinct 7(a) lenders active11
- Distinct industries receiving approvals41
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer8.6 percent
- Loans on real estate terms6
- Loans on working capital terms, 120 months or shorter63
- Franchise loans7
- Franchise share of approvals10.0 percent
- Most active lenderThe Huntington National Bank (53)
- 504 approvals recorded10
- 504 gross approval dollars$6.8 m
- Average 504 approval$683,900
- Median 504 approval$547,000
- Distinct CDCs active4
- 504 jobs per approval9.8
- 504 jobs per million dollars approved14.3
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$20.0 m
The average approval of $187,661 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 8.6 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.
Fulton County
SBA loan default and charge-off rates in Fulton County
Do SBA loans in Fulton County get paid back?
- Loans with a final outcome recorded13
- Paid in full13
- Charged off0
- Status: Paid in full13
- Status: Exempt from disclosure52
- Status: Cancelled2
- Status: Committed, not yet disbursed3
Only 13 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.
Fulton County
SBA lending by place in Fulton County
- Borrower cities with recorded lending7
- Swanton, approvals22
- Wauseon, approvals19
- Archbold, approvals15
- Lyons, approvals5
- Delta, approvals4
- Fayette, approvals3
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Swanton | 22 | $2,945,400 |
| Wauseon | 19 | $7,639,900 |
| Archbold | 15 | $853,000 |
| Lyons | 5 | $864,800 |
| Delta | 4 | $725,300 |
| Fayette | 3 | $57,900 |
| Metamora | 2 | $50,000 |
Swanton accounts for 22 approvals against 19 in Wauseon. 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.
Fulton County
How large is Fulton County?
- Land area405 sq mi
- Rank by land area among Ohio counties74th of 88
- Width, east to west26.8 mi
- Height, north to south16.2 mi
- Geographies sharing a boundary5
- Residents per square mile of land104
- Establishments per square mile2.28
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.
Fulton County
Flood risk in Fulton County
- Participation of the county's own NFIP community Fulton County, unincorporated areasParticipating, community 390182
- Communities in the county in the NFIP Community Status Book7
- Of those, participating in the NFIP7
- 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 Fulton 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 Fulton County (community 390182), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Fulton 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 Fulton 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 Fulton County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202442,240
- Households16,986
- Average household size2.49
- Median household income$72,864
- Median age41.5
Common questions
Fulton County questions, answered from the record.
How many people live in Fulton County, Ohio?
The Census Bureau estimates 42,028 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 42,240, in 16,986 households, ranking 58th of 88 Ohio counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Fulton County's population growing?
The population has fallen 1.59 percent since the 2020 census base of 42,705, to 42,028 on July 1, 2024. In 2024 there were 435 births against 460 deaths, with net migration of 104. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Fulton County?
$72,864. The median owner-occupied home is valued at $191,000, which is 2.6 times income, and median gross rent is $863 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Fulton County?
924 establishments, employing 15,890 people with an annual payroll of $852.6 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 Fulton County?
Manufacturing is the largest private sector at 5,739 jobs, 31.8 percent of covered employment. Covered employment averages 18,066 jobs at an average annual pay of $57,129, or $1,099 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Fulton County?
70 7(a) approvals totaling $13.1 m since FY2020, across 11 lenders, with a median approval of $50,000, plus 10 504 approvals worth $6.8 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Fulton County?
24 housing units were authorized by permit in 2024, with a declared construction value of $8.2 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Fulton 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 Fulton County come from?
The largest single origin is Lucas County, with 344 households. Arriving households report an average income of $51,145 against $49,504 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Fulton 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 Fulton 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.
Fulton County
Cities and places in Fulton.
10 Census places lie wholly or partly in Fulton County. All 10 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 |
|---|---|---|---|---|
| Wauseon | city | 7,505 | 19 | Wholly in this county |
| Archbold | village | 4,397 | 15 | Wholly in this county |
| Swanton | village | 4,098 | 22 | 67.5 percent here, 32.5 percent Lucas County |
| Delta | village | 3,137 | 4 | Wholly in this county |
| Fayette | village | 969 | 3 | Wholly in this county |
| Lyons | village | 884 | 5 | Wholly in this county |
| Ai | CDP | 618 | None recorded | Wholly in this county |
| Metamora | village | 597 | 2 | Wholly in this county |
| Pettisville | CDP | 447 | None recorded | Wholly in this county |
| Tedrow | CDP | 120 | None recorded | Wholly in this county |
Nearby