Holmes County, Ohio: commercial real estate data.
Holmes County, Ohio had an estimated 44,668 residents on July 1, 2024, up 1.0 percent since the 2020 census base of 44,220, across 423 square miles. County output reached $3.81 bn in 2024, 1,413 establishments operate here, and the SBA record carries 41 7(a) approvals worth $15.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Holmes County
How many people live in Holmes County
- Population, American Community Survey 2020-202444,418
- Households13,395
- Average household size3.32
- Median household income$76,140
- Median age32.7
- Median gross rent$816 per month
- Median owner-occupied home value$267,700
- Home value to household income3.5 times
- Annual rent as a share of median income12.9 percent
- Adults 25 and over with a bachelor degree or higher11.1 percent
- Adults 25 and over with a graduate degree3.5 percent
- Adults 25 and over26,621
- Population under 1813,443
- Share under 1830.3 percent
- Population 65 and over6,429
- Share 65 and over14.5 percent
- Working age population, 18 to 6424,546
- Civilian labor force20,871
- Unemployment rate2.2 percent
- Labor force participation, adults 18 and over67.4 percent
- Rank by population among Ohio counties54th of 88
- Rank by population among US county-equivalents, Puerto Rico included1111th of 3,222
Holmes County is the 54th largest of 88 Ohio counties by population. A median home costs 3.5 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 30.3 percent against 14.5 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Holmes County
Is Holmes County's population growing?
- Population, July 1, 202444,668
- Census 2020 base population44,220
- Population change since the 2020 census base1.01 percent
- Population change, 2023 to 2024229
- Births, 2024736
- Deaths, 2024360
- Natural change, 2024376
- Net domestic migration, 2024-176
- Net international migration, 202428
- Total net migration, 2024-148
- Cumulative net domestic migration, 2021 to 2024-1,251
- Rank by growth among US county-equivalents1481st of 3,144
The county has grown 1.01 percent since the 2020 census base. Births exceeded deaths in 2024 by more than net migration took away, so the population grew even though more people left than moved in.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Holmes County
Where are people moving to Holmes County from?
- Tax returns filed by households arriving539
- People arriving, from those returns1,073
- Tax returns filed by households leaving671
- Net household movement-132
- Adjusted gross income arriving$28.2 m
- Net adjusted gross income movement$-10.1 m
- Average income of an arriving household$52,358
- Average income of a leaving household$57,057
- Largest single originWayne County (155 households)
- Largest single destinationWayne County (176 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Wayne County | 155 | 320 | $6.9 m |
| Tuscarawas County | 104 | 221 | $6.8 m |
| Coshocton County | 46 | 93 | $1.8 m |
| Ashland County | 33 | 41 | $1.1 m |
| Stark County | 22 | 42 | $905,000 |
Households arriving report $4,699 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Wayne 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.
Holmes County
What is the Holmes County economy?
- County GDP, 2024$3.81 bn
- County GDP, 2023$3.59 bn
- GDP change, 2023 to 20246.0 percent
- GDP change over five years44.9 percent
- Rank by GDP among the Ohio areas BEA publishes41st of 88
- Rank by GDP among the US county areas BEA publishes846th of 3,127
- GDP per resident$85,775
Output grew 6.0 percent in the latest year and 44.9 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.
Holmes County
Employment by industry in Holmes County
- Covered employment, annual average21,534
- Establishments reporting1,535
- Average annual pay$53,940
- Average weekly wage$1,037
- Manufacturing, employment8,002
- Manufacturing, average annual pay$60,376
- Retail trade, employment2,827
- Retail trade, average annual pay$42,323
- Construction, employment2,499
- Construction, average annual pay$66,252
- Accommodation and food services, employment1,450
- Accommodation and food services, average annual pay$20,500
- Wholesale trade, employment1,066
- Health care and social assistance, employment1,015
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 8,002 | 342 | $60,376 |
| Retail trade | 2,827 | 181 | $42,323 |
| Construction | 2,499 | 323 | $66,252 |
| Accommodation and food services | 1,450 | 80 | $20,500 |
| Wholesale trade | 1,066 | 67 | $60,855 |
| Health care and social assistance | 1,015 | 60 | $45,774 |
| Transportation and warehousing | 847 | 72 | $62,003 |
| Professional, scientific and technical services | 400 | 56 | $63,355 |
Manufacturing is the largest private sector at 8,002 jobs, 37.2 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Holmes County
How many businesses are in Holmes County?
- Establishments, all industries1,413
- Employment at those establishments19,733
- Annual payroll$982.2 m
- Establishments per 1,000 residents31.8
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.
Holmes County
Building permits in Holmes County
- Housing units authorized by permit, 20247
- Declared construction value permitted$1.9 m
- Single family units authorized7
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$275,836
- Units authorized per 1,000 households0.5
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.
Holmes County
SBA loans in Holmes County (7(a) and 504)
- 7(a) approvals recorded41
- 7(a) gross approval dollars$15.4 m
- Average 7(a) approval$376,134
- Median 7(a) approval$100,000
- 10th percentile approval$34,000
- 90th percentile approval$1,000,000
- Largest single approval$2,700,000
- Jobs reported supported, 7(a)590
- Jobs per approval14.4
- Distinct 7(a) lenders active11
- Distinct industries receiving approvals30
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer0.0 percent
- Loans on real estate terms0
- Loans on working capital terms, 120 months or shorter37
- Franchise loans1
- Franchise share of approvals2.4 percent
- Most active lenderThe Huntington National Bank (24)
- 504 approvals recorded2
- 504 gross approval dollars$2.5 m
- Average 504 approval$1,235,000
- Median 504 approval$1,235,000
- Distinct CDCs active2
- 504 jobs per approval13.0
- 504 jobs per million dollars approved10.5
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$17.9 m
The average approval of $376,134 sits well above the median of $100,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 0.0 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.
Holmes County
SBA loan default and charge-off rates in Holmes County
Do SBA loans in Holmes County get paid back?
- Loans with a final outcome recorded11
- Paid in full11
- Charged off0
- Status: Paid in full11
- Status: Cancelled3
- Status: Exempt from disclosure26
- Status: Committed, not yet disbursed1
Only 11 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.
Holmes County
SBA lending by place in Holmes County
- Borrower cities with recorded lending7
- Millersburg, approvals29
- Sugarcreek, approvals4
- Holmesville, approvals4
- Loudonville, approvals1
- Oak Harbor, approvals1
- Berlin, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Millersburg | 29 | $13,013,000 |
| Sugarcreek | 4 | $1,203,500 |
| Holmesville | 4 | $582,000 |
| Loudonville | 1 | $275,000 |
| Oak Harbor | 1 | $250,000 |
| Berlin | 1 | $50,000 |
| Walnut Creek | 1 | $48,000 |
Millersburg accounts for 29 approvals against 4 in Sugarcreek. 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.
Holmes County
How large is Holmes County?
- Land area423 sq mi
- Rank by land area among Ohio counties49th of 88
- Width, east to west30 mi
- Height, north to south15.5 mi
- Geographies sharing a boundary6
- Residents per square mile of land105
- Establishments per square mile3.34
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.
Holmes County
Flood risk in Holmes County
- Participation of the county's own NFIP community Holmes County, unincorporated areasParticipating, community 390276
- Communities in the county in the NFIP Community Status Book7
- Of those, participating in the NFIP7
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Holmes 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 Holmes County (community 390276), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Holmes 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. 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 Holmes 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 Holmes County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202444,418
- Households13,395
- Average household size3.32
- Median household income$76,140
- Median age32.7
Common questions
Holmes County questions, answered from the record.
How many people live in Holmes County, Ohio?
The Census Bureau estimates 44,668 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 44,418, in 13,395 households, ranking 54th of 88 Ohio counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Holmes County's population growing?
The population has grown 1.01 percent since the 2020 census base of 44,220, to 44,668 on July 1, 2024. In 2024 there were 736 births against 360 deaths, with net migration of -148. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Holmes County?
$76,140. The median owner-occupied home is valued at $267,700, which is 3.5 times income, and median gross rent is $816 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Holmes County?
1,413 establishments, employing 19,733 people with an annual payroll of $982.2 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 Holmes County?
Manufacturing is the largest private sector at 8,002 jobs, 37.2 percent of covered employment. Covered employment averages 21,534 jobs at an average annual pay of $53,940, or $1,037 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Holmes County?
41 7(a) approvals totaling $15.4 m since FY2020, across 11 lenders, with a median approval of $100,000, plus 2 504 approvals worth $2.5 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Holmes County?
7 housing units were authorized by permit in 2024, with a declared construction value of $1.9 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Holmes 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 Holmes County come from?
The largest single origin is Wayne County, with 155 households. Arriving households report an average income of $52,358 against $57,057 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Holmes 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 Holmes 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.
Holmes County
Cities and places in Holmes.
12 Census places lie wholly or partly in Holmes County. All 12 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 |
|---|---|---|---|---|
| Loudonville | village | 3,230 | 1 | 18.3 percent here, 81.7 percent Ashland County |
| Millersburg | village | 3,206 | 29 | Wholly in this county |
| Berlin | CDP | 1,232 | 1 | Wholly in this county |
| Killbuck | village | 1,102 | None recorded | Wholly in this county |
| Walnut Creek | CDP | 1,053 | 1 | Wholly in this county |
| Baltic | village | 841 | None recorded | 47.4 percent here, 51.4 percent Tuscarawas County |
| Lake Buckhorn | CDP | 728 | None recorded | Wholly in this county |
| Nashville | village | 445 | None recorded | Wholly in this county |
| Glenmont | village | 245 | None recorded | Wholly in this county |
| Holmesville | village | 244 | 4 | Wholly in this county |
| Winesburg | CDP | 133 | None recorded | Wholly in this county |
| Mount Hope | CDP | 131 | None recorded | Wholly in this county |
A further 5 of the county's 41 SBA 7(a) approvals are to borrowers in cities that match no Census place in Holmes County, the largest being Sugarcreek (4), Oak Harbor (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