Hamilton County, Ohio: commercial real estate data.
Hamilton County, Ohio had an estimated 837,359 residents on July 1, 2024, up 0.8 percent since the 2020 census base of 830,636, across 406 square miles. County output reached $107.28 bn in 2024, 21,087 establishments operate here, and the SBA record carries 1,572 7(a) approvals worth $647.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Hamilton County
How many people live in Hamilton County
- Population, American Community Survey 2020-2024830,774
- Households354,739
- Average household size2.34
- Median household income$72,470
- Median age36.9
- Median gross rent$1,075 per month
- Median owner-occupied home value$241,900
- Home value to household income3.3 times
- Annual rent as a share of median income17.8 percent
- Adults 25 and over with a bachelor degree or higher41.8 percent
- Adults 25 and over with a graduate degree16.9 percent
- Adults 25 and over562,883
- Population under 18190,879
- Share under 1823.0 percent
- Population 65 and over137,755
- Share 65 and over16.6 percent
- Working age population, 18 to 64502,140
- Civilian labor force437,099
- Unemployment rate5.0 percent
- Labor force participation, adults 18 and over68.3 percent
- Rank by population among Ohio counties3rd of 88
- Rank by population among US county-equivalents, Puerto Rico included75th of 3,222
Hamilton County is the 3rd largest of 88 Ohio counties by population. A median home costs 3.3 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 23.0 percent against 16.6 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Hamilton County
Is Hamilton County's population growing?
- Population, July 1, 2024837,359
- Census 2020 base population830,636
- Population change since the 2020 census base0.81 percent
- Population change, 2023 to 20245,800
- Births, 202410,267
- Deaths, 20247,956
- Natural change, 20242,311
- Net domestic migration, 2024-3,624
- Net international migration, 20247,120
- Total net migration, 20243,496
- Cumulative net domestic migration, 2021 to 2024-17,990
- Rank by growth among US county-equivalents1549th of 3,144
The county has grown 0.81 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.
Hamilton County
Where are people moving to Hamilton County from?
- Tax returns filed by households arriving18,150
- People arriving, from those returns27,902
- Tax returns filed by households leaving20,523
- Net household movement-2,373
- Adjusted gross income arriving$1.35 bn
- Net adjusted gross income movement$-454.9 m
- Average income of an arriving household$74,542
- Average income of a leaving household$88,089
- Largest single originButler County (2,819 households)
- Largest single destinationButler County (3,355 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Butler County | 2,819 | 4,653 | $142.4 m |
| Clermont County | 1,632 | 2,544 | $100.1 m |
| Warren County | 1,213 | 1,810 | $127.8 m |
| Kenton County | 866 | 1,342 | $57.2 m |
| Franklin County | 607 | 848 | $35.2 m |
| Campbell County | 561 | 837 | $39.5 m |
| Montgomery County | 523 | 700 | $24.1 m |
| Cook County | 376 | 530 | $51.0 m |
Households arriving report $13,547 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Butler 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.
Hamilton County
What is the Hamilton County economy?
- County GDP, 2024$107.28 bn
- County GDP, 2023$103.73 bn
- GDP change, 2023 to 20243.4 percent
- GDP change over five years29.3 percent
- Rank by GDP among the Ohio areas BEA publishes3rd of 88
- Rank by GDP among the US county areas BEA publishes55th of 3,127
- GDP per resident$129,127
Output grew 3.4 percent in the latest year and 29.3 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.
Hamilton County
Employment by industry in Hamilton County
- Covered employment, annual average515,652
- Establishments reporting27,215
- Average annual pay$76,924
- Average weekly wage$1,479
- Health care and social assistance, employment92,205
- Health care and social assistance, average annual pay$70,917
- Manufacturing, employment48,677
- Manufacturing, average annual pay$109,302
- Accommodation and food services, employment45,133
- Accommodation and food services, average annual pay$25,454
- Retail trade, employment39,342
- Retail trade, average annual pay$39,036
- Professional, scientific and technical services, employment36,662
- Administrative and support and waste management services, employment31,237
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 92,205 | 3,312 | $70,917 |
| Manufacturing | 48,677 | 1,146 | $109,302 |
| Accommodation and food services | 45,133 | 2,214 | $25,454 |
| Retail trade | 39,342 | 2,620 | $39,036 |
| Professional, scientific and technical services | 36,662 | 4,138 | $111,205 |
| Administrative and support and waste management services | 31,237 | 1,724 | $49,615 |
| Finance and insurance | 28,819 | 1,618 | $120,048 |
| Management of companies and enterprises | 26,702 | 322 | $138,792 |
Health care and social assistance is the largest private sector at 92,205 jobs, 17.9 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Hamilton County
How many businesses are in Hamilton County?
- Establishments, all industries21,087
- Employment at those establishments529,211
- Annual payroll$37.43 bn
- Establishments per 1,000 residents25.4
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.
Hamilton County
Building permits in Hamilton County
- Housing units authorized by permit, 2024822
- Declared construction value permitted$367.9 m
- Single family units authorized566
- Multifamily units authorized256
- Multifamily share of units31.1 percent
- Average declared value per unit$447,523
- Units authorized per 1,000 households2.3
Single-family homes are 68.9 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Hamilton County
SBA loans in Hamilton County (7(a) and 504)
- 7(a) approvals recorded1,572
- 7(a) gross approval dollars$647.1 m
- Average 7(a) approval$411,631
- Median 7(a) approval$150,000
- 10th percentile approval$25,000
- 90th percentile approval$1,035,040
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)18,197
- Jobs per approval11.6
- Distinct 7(a) lenders active88
- Distinct industries receiving approvals290
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer11.0 percent
- Loans on real estate terms173
- Loans on working capital terms, 120 months or shorter1,344
- Franchise loans176
- Franchise share of approvals11.2 percent
- Leading industry by approval countGeneral Freight Trucking, Long-Distance, Truckload (92)
- Most active lenderThe Huntington National Bank (797)
- 504 approvals recorded251
- 504 gross approval dollars$158.0 m
- Average 504 approval$629,470
- Median 504 approval$380,000
- Distinct CDCs active9
- 504 jobs per approval9.6
- 504 jobs per million dollars approved15.3
- Most active CDCAlloy Development Co., Inc. (227)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$805.1 m
The average approval of $411,631 sits well above the median of $150,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 11.0 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.
Hamilton County
SBA loan default and charge-off rates in Hamilton County
Do SBA loans in Hamilton County get paid back?
- Loans with a final outcome recorded337
- Paid in full309
- Charged off28
- Charge-off rate on resolved loans8.3 percent
- Status: Exempt from disclosure942
- Status: Paid in full309
- Status: Cancelled190
- Status: Charged off28
- Status: Committed, not yet disbursed103
Of the 337 loans that have reached a final outcome, 8.3 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.
Hamilton County
SBA lending by place in Hamilton County
- Borrower cities with recorded lending37
- Cincinnati, approvals1,316
- Blue Ash, approvals71
- Harrison, approvals30
- Sharonville, approvals23
- Cleves, approvals22
- Montgomery, approvals18
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Cincinnati | 1,316 | $518,619,200 |
| Blue Ash | 71 | $34,091,400 |
| Harrison | 30 | $18,175,900 |
| Sharonville | 23 | $21,094,800 |
| Cleves | 22 | $7,148,000 |
| Montgomery | 18 | $4,215,900 |
| Loveland | 14 | $9,444,600 |
| North Bend | 14 | $2,532,100 |
| 29 other borrower cities | 64 | $31,762,800 |
Cincinnati accounts for 1,316 approvals against 71 in Blue Ash. 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.
Hamilton County
How large is Hamilton County?
- Land area406 sq mi
- Rank by land area among Ohio counties73rd of 88
- Width, east to west30.1 mi
- Height, north to south20 mi
- Geographies sharing a boundary7
- Residents per square mile of land2,046
- Establishments per square mile51.94
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.
Hamilton County
Flood risk in Hamilton County
- Participation of the county's own NFIP community Hamilton County, unincorporated areasParticipating, community 390204
- Communities in the county in the NFIP Community Status Book35
- Of those, participating in the NFIP35
- 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 Hamilton 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 Hamilton County (community 390204), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Hamilton 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 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 Hamilton 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 Hamilton County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024830,774
- Households354,739
- Average household size2.34
- Median household income$72,470
- Median age36.9
Common questions
Hamilton County questions, answered from the record.
How many people live in Hamilton County, Ohio?
The Census Bureau estimates 837,359 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 830,774, in 354,739 households, ranking 3rd of 88 Ohio counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Hamilton County's population growing?
The population has grown 0.81 percent since the 2020 census base of 830,636, to 837,359 on July 1, 2024. In 2024 there were 10,267 births against 7,956 deaths, with net migration of 3,496. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Hamilton County?
$72,470. The median owner-occupied home is valued at $241,900, which is 3.3 times income, and median gross rent is $1,075 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Hamilton County?
21,087 establishments, employing 529,211 people with an annual payroll of $37.43 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 Hamilton County?
Health care and social assistance is the largest private sector at 92,205 jobs, 17.9 percent of covered employment. Covered employment averages 515,652 jobs at an average annual pay of $76,924, or $1,479 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Hamilton County?
1,572 7(a) approvals totaling $647.1 m since FY2020, across 88 lenders, with a median approval of $150,000, plus 251 504 approvals worth $158.0 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Hamilton County get paid back?
Of the 337 loans that have reached a final outcome, 309 were paid in full and 28 charged off, a charge-off rate of 8.3 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Hamilton County?
822 housing units were authorized by permit in 2024, with a declared construction value of $367.9 m. Multifamily was 31.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Hamilton 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 Hamilton County come from?
The largest single origin is Butler County, with 2,819 households. Arriving households report an average income of $74,542 against $88,089 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Hamilton 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 Hamilton 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.
Hamilton County
Cities and places in Hamilton.
88 Census places lie wholly or partly in Hamilton County. All 88 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 |
|---|---|---|---|---|
| Cincinnati | city | 311,224 | 1,316 | Wholly in this county |
| Forest Park | city | 20,025 | 1 | Wholly in this county |
| White Oak | CDP | 19,216 | None recorded | Wholly in this county |
| Norwood | city | 19,114 | 8 | Wholly in this county |
| Sharonville | city | 14,030 | 23 | 94.0 percent here, 6.0 percent Butler County |
| Bridgetown | CDP | 13,464 | None recorded | Wholly in this county |
| Blue Ash | city | 13,455 | 71 | Wholly in this county |
| Loveland | city | 13,197 | 14 | 61.7 percent here, 28.2 percent Clermont County, 10.1 percent Warren County |
| Harrison | city | 13,084 | 30 | Wholly in this county |
| Finneytown | CDP | 12,506 | None recorded | Wholly in this county |
| Monfort Heights | CDP | 12,441 | None recorded | Wholly in this county |
| Dent | CDP | 11,973 | None recorded | Wholly in this county |
| Mack | CDP | 11,516 | None recorded | Wholly in this county |
| Springdale | city | 11,033 | 5 | Wholly in this county |
| Montgomery | city | 10,855 | 18 | Wholly in this county |
| Forestville | CDP | 10,831 | None recorded | Wholly in this county |
| Northbrook | CDP | 10,742 | None recorded | Wholly in this county |
| Reading | city | 10,502 | 2 | Wholly in this county |
| North College Hill | city | 9,555 | None recorded | Wholly in this county |
| Madeira | city | 9,484 | 2 | Wholly in this county |
| Wyoming | city | 8,723 | 2 | Wholly in this county |
| Cheviot | city | 8,660 | None recorded | Wholly in this county |
| Kenwood | CDP | 8,326 | None recorded | Wholly in this county |
| Groesbeck | CDP | 7,824 | None recorded | Wholly in this county |
| Dry Run | CDP | 7,687 | None recorded | Wholly in this county |
| Mount Healthy | city | 6,919 | None recorded | Wholly in this county |
| Northgate | CDP | 6,723 | None recorded | Wholly in this county |
| Covedale | CDP | 6,500 | None recorded | Wholly in this county |
| Milford | city | 6,497 | 1 | 3.9 percent here, 96.1 percent Clermont County |
| The Village of Indian Hill | city | 6,052 | None recorded | Wholly in this county |
| Pleasant Run | CDP | 5,629 | None recorded | Wholly in this county |
| New Burlington | CDP | 5,426 | None recorded | Wholly in this county |
| Deer Park | city | 5,384 | 2 | Wholly in this county |
| Miami Heights | CDP | 5,269 | None recorded | Wholly in this county |
| Delhi Hills | CDP | 5,241 | None recorded | Wholly in this county |
| Turpin Hills | CDP | 4,875 | None recorded | Wholly in this county |
| Silverton | village | 4,860 | None recorded | Wholly in this county |
| Pleasant Run Farm | CDP | 4,524 | None recorded | Wholly in this county |
| Taylor Creek | CDP | 4,253 | None recorded | Wholly in this county |
| Fruit Hill | CDP | 4,200 | None recorded | Wholly in this county |
| Cherry Grove | CDP | 4,176 | None recorded | Wholly in this county |
| St. Bernard | village | 3,983 | None recorded | Wholly in this county |
| Delshire | CDP | 3,907 | None recorded | Wholly in this county |
| Woodlawn | village | 3,894 | 1 | Wholly in this county |
| Amberley | village | 3,826 | None recorded | Wholly in this county |
| Sherwood | CDP | 3,808 | None recorded | Wholly in this county |
| Golf Manor | village | 3,782 | None recorded | Wholly in this county |
| Greenhills | village | 3,702 | None recorded | Wholly in this county |
| Sixteen Mile Stand | CDP | 3,666 | None recorded | Wholly in this county |
| Salem Heights | CDP | 3,602 | None recorded | Wholly in this county |
| Dillonvale | CDP | 3,514 | None recorded | Wholly in this county |
| Lockland | village | 3,498 | 1 | Wholly in this county |
| Mariemont | village | 3,474 | None recorded | Wholly in this county |
| Cleves | village | 3,388 | 22 | Wholly in this county |
| Mount Healthy Heights | CDP | 3,263 | None recorded | Wholly in this county |
| Lincoln Heights | village | 3,124 | None recorded | Wholly in this county |
| Newtown | village | 2,685 | 5 | Wholly in this county |
| Evendale | village | 2,651 | 2 | Wholly in this county |
| Dry Ridge | CDP | 2,554 | None recorded | Wholly in this county |
| Elmwood Place | village | 2,466 | None recorded | Wholly in this county |
| Terrace Park | village | 2,295 | 1 | Wholly in this county |
| Glendale | village | 1,974 | None recorded | Wholly in this county |
| Blue Jay | CDP | 1,797 | None recorded | Wholly in this county |
| Loveland Park | CDP | 1,700 | None recorded | 30.8 percent here, 69.2 percent Warren County |
| New Baltimore | CDP | 1,585 | None recorded | Wholly in this county |
| Fairfax | village | 1,566 | None recorded | Wholly in this county |
| Coldstream | CDP | 1,540 | None recorded | Wholly in this county |
| Rossmoyne | CDP | 1,504 | None recorded | Wholly in this county |
| Grandview | CDP | 1,382 | None recorded | Wholly in this county |
| Miamitown | CDP | 1,169 | 2 | Wholly in this county |
| North Bend | village | 1,148 | 14 | Wholly in this county |
| Highpoint | CDP | 1,132 | None recorded | Wholly in this county |
| Pleasant Hills | CDP | 1,097 | None recorded | Wholly in this county |
| Dunlap | CDP | 1,085 | None recorded | Wholly in this county |
| Skyline Acres | CDP | 1,016 | None recorded | Wholly in this county |
| Arlington Heights | village | 981 | None recorded | Wholly in this county |
| Addyston | village | 904 | 1 | Wholly in this county |
| Brecon | CDP | 860 | None recorded | Wholly in this county |
| Madison Place | CDP | 815 | None recorded | Wholly in this county |
| Concorde Hills | CDP | 762 | None recorded | Wholly in this county |
| Shawnee | CDP | 739 | None recorded | Wholly in this county |
| Remington | CDP | 604 | None recorded | Wholly in this county |
| Hooven | CDP | 403 | None recorded | Wholly in this county |
| Ridgewood | CDP | 380 | None recorded | Wholly in this county |
| Elizabethtown | CDP | 347 | None recorded | Wholly in this county |
| New Haven | CDP | 340 | None recorded | Wholly in this county |
| Camp Dennison | CDP | 265 | 1 | Wholly in this county |
| Plainville | CDP | 100 | None recorded | Wholly in this county |
A further 27 of the county's 1,572 SBA 7(a) approvals are to borrowers in cities that match no Census place in Hamilton County, the largest being West Chester (11), Madiera (2), Northwood (2). 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.