Greene County, Ohio: commercial real estate data.
Greene County, Ohio had an estimated 172,347 residents on July 1, 2024, up 2.6 percent since the 2020 census base of 167,965, across 414 square miles. County output reached $14.73 bn in 2024, 3,266 establishments operate here, and the SBA record carries 176 7(a) approvals worth $86.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Greene County
How many people live in Greene County
- Population, American Community Survey 2020-2024169,688
- Households68,166
- Average household size2.49
- Median household income$87,309
- Median age38.7
- Median gross rent$1,135 per month
- Median owner-occupied home value$252,200
- Home value to household income2.9 times
- Annual rent as a share of median income15.6 percent
- Adults 25 and over with a bachelor degree or higher41.7 percent
- Adults 25 and over with a graduate degree20.1 percent
- Adults 25 and over115,464
- Population under 1834,890
- Share under 1820.6 percent
- Population 65 and over31,551
- Share 65 and over18.6 percent
- Working age population, 18 to 64103,247
- Civilian labor force85,091
- Unemployment rate4.3 percent
- Labor force participation, adults 18 and over63.1 percent
- Rank by population among Ohio counties18th of 88
- Rank by population among US county-equivalents, Puerto Rico included404th of 3,222
Greene County is the 18th largest of 88 Ohio counties by population. A median home costs 2.9 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 20.6 percent against 18.6 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Greene County
Is Greene County's population growing?
- Population, July 1, 2024172,347
- Census 2020 base population167,965
- Population change since the 2020 census base2.61 percent
- Population change, 2023 to 20242,012
- Births, 20241,640
- Deaths, 20241,617
- Natural change, 202423
- Net domestic migration, 20241,273
- Net international migration, 2024726
- Total net migration, 20241,999
- Cumulative net domestic migration, 2021 to 20242,679
- Rank by growth among US county-equivalents980th of 3,144
The county has grown 2.61 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.
Greene County
Where are people moving to Greene County from?
- Tax returns filed by households arriving6,207
- People arriving, from those returns10,805
- Tax returns filed by households leaving6,055
- Net household movement152
- Adjusted gross income arriving$390.9 m
- Net adjusted gross income movement$-22.9 m
- Average income of an arriving household$62,984
- Average income of a leaving household$68,342
- Largest single originMontgomery County (2,338 households)
- Largest single destinationMontgomery County (2,145 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Montgomery County | 2,338 | 3,965 | $131.5 m |
| Clark County | 397 | 630 | $16.8 m |
| Franklin County | 207 | 310 | $12.9 m |
| Warren County | 204 | 337 | $16.4 m |
| Hamilton County | 122 | 169 | $6.2 m |
| Miami County | 112 | 178 | $6.3 m |
| Clinton County | 90 | 142 | $4.0 m |
| Butler County | 82 | 135 | $4.6 m |
Households arriving report $5,358 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Montgomery 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.
Greene County
What is the Greene County economy?
- County GDP, 2024$14.73 bn
- County GDP, 2023$13.63 bn
- GDP change, 2023 to 20248.1 percent
- GDP change over five years36.3 percent
- Rank by GDP among the Ohio areas BEA publishes13th of 88
- Rank by GDP among the US county areas BEA publishes328th of 3,127
- GDP per resident$86,804
Output grew 8.1 percent in the latest year and 36.3 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.
Greene County
Employment by industry in Greene County
- Covered employment, annual average80,197
- Establishments reporting4,168
- Average annual pay$72,302
- Average weekly wage$1,390
- Professional, scientific and technical services, employment11,712
- Professional, scientific and technical services, average annual pay$119,220
- Retail trade, employment9,784
- Retail trade, average annual pay$34,660
- Health care and social assistance, employment8,518
- Health care and social assistance, average annual pay$55,900
- Accommodation and food services, employment8,508
- Accommodation and food services, average annual pay$22,911
- Manufacturing, employment3,722
- Educational services, employment2,146
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Professional, scientific and technical services | 11,712 | 782 | $119,220 |
| Retail trade | 9,784 | 547 | $34,660 |
| Health care and social assistance | 8,518 | 479 | $55,900 |
| Accommodation and food services | 8,508 | 396 | $22,911 |
| Manufacturing | 3,722 | 134 | $74,353 |
| Educational services | 2,146 | 61 | $44,981 |
| Other services, except public administration | 1,759 | 286 | $34,834 |
| Administrative and support and waste management services | 1,616 | 242 | $48,809 |
Professional, scientific and technical services is the largest private sector at 11,712 jobs, 14.6 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Greene County
How many businesses are in Greene County?
- Establishments, all industries3,266
- Employment at those establishments58,026
- Annual payroll$3.26 bn
- Establishments per 1,000 residents19.2
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.
Greene County
Building permits in Greene County
- Housing units authorized by permit, 2024797
- Declared construction value permitted$324.9 m
- Single family units authorized647
- Multifamily units authorized150
- Multifamily share of units18.8 percent
- Average declared value per unit$407,650
- Units authorized per 1,000 households11.7
Single-family homes are 81.2 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Greene County
SBA loans in Greene County (7(a) and 504)
- 7(a) approvals recorded176
- 7(a) gross approval dollars$86.4 m
- Average 7(a) approval$490,961
- Median 7(a) approval$145,000
- 10th percentile approval$25,000
- 90th percentile approval$1,463,900
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)1,666
- Jobs per approval9.5
- Distinct 7(a) lenders active29
- Distinct industries receiving approvals84
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer15.3 percent
- Loans on real estate terms27
- Loans on working capital terms, 120 months or shorter142
- Franchise loans26
- Franchise share of approvals14.8 percent
- Most active lenderThe Huntington National Bank (82)
- 504 approvals recorded29
- 504 gross approval dollars$15.1 m
- Average 504 approval$519,931
- Median 504 approval$231,000
- Distinct CDCs active6
- 504 jobs per approval6.9
- 504 jobs per million dollars approved13.3
- Most active CDCCitywide Small Business Development Corporation (15)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$101.5 m
The average approval of $490,961 sits well above the median of $145,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 15.3 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.
Greene County
SBA loan default and charge-off rates in Greene County
Do SBA loans in Greene County get paid back?
- Loans with a final outcome recorded37
- Paid in full36
- Charged off1
- Charge-off rate on resolved loans2.7 percent
- Status: Cancelled21
- Status: Paid in full36
- Status: Exempt from disclosure106
- Status: Charged off1
- Status: Committed, not yet disbursed12
Of the 37 loans that have reached a final outcome, 2.7 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.
Greene County
SBA lending by place in Greene County
- Borrower cities with recorded lending14
- Beavercreek, approvals52
- Xenia, approvals34
- Fairborn, approvals28
- Dayton, approvals19
- Bellbrook, approvals19
- Yellow Springs, approvals7
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Beavercreek | 52 | $18,463,200 |
| Xenia | 34 | $19,665,000 |
| Fairborn | 28 | $23,782,000 |
| Dayton | 19 | $9,304,900 |
| Bellbrook | 19 | $4,453,200 |
| Yellow Springs | 7 | $6,036,900 |
| Spring Valley | 5 | $434,000 |
| Cedarville | 4 | $1,888,000 |
| 6 other borrower cities | 8 | $2,382,000 |
Beavercreek accounts for 52 approvals against 34 in Xenia. 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.
Greene County
How large is Greene County?
- Land area414 sq mi
- Rank by land area among Ohio counties58th of 88
- Width, east to west24.8 mi
- Height, north to south20.7 mi
- Geographies sharing a boundary6
- Residents per square mile of land410
- Establishments per square mile7.89
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.
Greene County
Flood risk in Greene County
- Participation of the county's own NFIP community Greene County, unincorporated areasParticipating, community 390193
- Communities in the county in the NFIP Community Status Book12
- Of those, participating in the NFIP12
- 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 8
- Communities carrying a CRS class1
- Radon levels in Greene 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 Greene County (community 390193), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Greene 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. The best Community Rating System class among the county's communities is 8, 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 Greene 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 Greene County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024169,688
- Households68,166
- Average household size2.49
- Median household income$87,309
- Median age38.7
Common questions
Greene County questions, answered from the record.
How many people live in Greene County, Ohio?
The Census Bureau estimates 172,347 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 169,688, in 68,166 households, ranking 18th of 88 Ohio counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Greene County's population growing?
The population has grown 2.61 percent since the 2020 census base of 167,965, to 172,347 on July 1, 2024. In 2024 there were 1,640 births against 1,617 deaths, with net migration of 1,999. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Greene County?
$87,309. The median owner-occupied home is valued at $252,200, which is 2.9 times income, and median gross rent is $1,135 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Greene County?
3,266 establishments, employing 58,026 people with an annual payroll of $3.26 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 Greene County?
Professional, scientific and technical services is the largest private sector at 11,712 jobs, 14.6 percent of covered employment. Covered employment averages 80,197 jobs at an average annual pay of $72,302, or $1,390 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Greene County?
176 7(a) approvals totaling $86.4 m since FY2020, across 29 lenders, with a median approval of $145,000, plus 29 504 approvals worth $15.1 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Greene County get paid back?
Of the 37 loans that have reached a final outcome, 36 were paid in full and 1 charged off, a charge-off rate of 2.7 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Greene County?
797 housing units were authorized by permit in 2024, with a declared construction value of $324.9 m. Multifamily was 18.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Greene 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 Greene County come from?
The largest single origin is Montgomery County, with 2,338 households. Arriving households report an average income of $62,984 against $68,342 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Greene 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 Greene 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.
Greene County
Cities and places in Greene.
14 Census places lie wholly or partly in Greene 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 |
|---|---|---|---|---|
| Beavercreek | city | 47,126 | 52 | Wholly in this county |
| Fairborn | city | 34,534 | 28 | Wholly in this county |
| Xenia | city | 25,689 | 34 | Wholly in this county |
| Centerville | city | 25,205 | 1 | 3.8 percent here, 96.2 percent Montgomery County |
| Bellbrook | city | 7,394 | 19 | Wholly in this county |
| Cedarville | village | 4,070 | 4 | Wholly in this county |
| Yellow Springs | village | 3,711 | 7 | Wholly in this county |
| Shawnee Hills | CDP | 2,534 | None recorded | Wholly in this county |
| Jamestown | village | 2,229 | 2 | Wholly in this county |
| Wilberforce | CDP | 1,951 | None recorded | Wholly in this county |
| Wright-Patterson AFB | CDP | 1,508 | None recorded | Wholly in this county |
| Spring Valley | village | 575 | 5 | Wholly in this county |
| Bowersville | village | 216 | None recorded | Wholly in this county |
| Clifton | village | 143 | None recorded | 52.6 percent here, 47.4 percent Clark County |
A further 24 of the county's 176 SBA 7(a) approvals are to borrowers in cities that match no Census place in Greene County, the largest being Dayton (19), Riverside (2), Wilmington (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