HomeOhioLorain CountyAmherst city
Amherst city, Ohio: commercial real estate data.
Amherst city is a Census city of 12,906 people across 7.08 square miles of land, in Lorain County. Median household income is $90,725, 88.2 percent of occupied homes are owned, and the SBA record carries 41 7(a) approvals to borrowers here worth $13.3 m.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Amherst
What Amherst is
- Census place typecity
- Land area7.08 sq mi
- Water area0.06 sq mi
- Population per square mile of land1,822
- County holding the largest share of its areaLorain County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Amherst
How many people live in Amherst
- Population12,906
- Median age42.8
- Population under 182,835
- Share under 1822.0 percent
- Population 65 and over2,780
- Share 65 and over21.5 percent
- Households4,830
- Family households3,426
- Share of households that are families70.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Amherst
Income and work in Amherst
- Median household income$90,725
- Per capita income$44,275
- Civilian labor force6,832
- Employed6,501
- Unemployed331 plus or minus 115
- Unemployment rate4.8 percent plus or minus 1.6
- Adults 25 and over9,231
- Adults 25 and over with a high school diploma or higher96.2 percent
- Adults 25 and over with a bachelor degree or higher31.4 percent
- Adults 25 and over with a graduate degree11.4 percent plus or minus 3.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Amherst
Housing in Amherst
- Housing units5,001
- Occupied units4,830
- Vacant units171 plus or minus 102
- Vacancy rate3.4 percent plus or minus 2.0
- Owner occupied4,260
- Renter occupied570 plus or minus 148
- Ownership rate88.2 percent
- Median owner-occupied home value$239,200
- Median gross rent, monthly$906
- Annual rent as a share of median income12.0 percent
- Single family units4,520
- Share single family90.4 percent
- Units in buildings of two or more345 plus or minus 123
- Share in buildings of two or more6.9 percent plus or minus 2.4
- Mobile homes136 plus or minus 79
- Median year structure built1971
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Amherst
How Amherst gets to work
- Workers 16 and over who commute5,917
- Commuting under 15 minutes1,756 plus or minus 354
- Share commuting under 15 minutes29.7 percent
- Commuting 30 minutes or more1,994
- Share commuting 30 minutes or more33.7 percent
- Drove alone80.6 percent
- Carpooled8.5 percent plus or minus 2.7
- Public transport0.2 percent plus or minus 0.3
- Walked0.5 percent plus or minus 0.5
- Worked from home9.3 percent plus or minus 2.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Amherst
SBA loans in Amherst (7(a))
- Approvals41
- Gross approval$13,328,900
- Average approval$325,095
- Median approval$100,000
- Ninetieth percentile approval$440,000
- Largest approval$3,271,000
- Jobs supported185
- Jobs per approval4.5
- Loans with a final outcome4
- Paid in full4
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more17.1 percent
- Share to franchises17.1 percent
- Distinct lenders15
- Distinct industries by NAICS33
A charge-off rate is not published here. only 4 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Amherst
SBA loans in Amherst (504)
- Approvals4
- Gross approval$2,361,000
- Average approval$590,250
- Median approval$421,000
- Largest approval$1,442,000
- Jobs supported10
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Amherst
Flood risk in Amherst
- Listed NFIP communities1
- Of those, participating1
- NFIP community number390347
- Currently effective map date03/09/21
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Lorain County, not Amherst
Lorain County context, not Amherst figures
These are Lorain County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Amherst measurements.
- Establishments in Lorain County5,664
- Employment at those establishments, Lorain County89,159
- Covered employment, Lorain County98,291
- Average annual pay, Lorain County$55,721
- Average weekly wage, Lorain County$1,072
- Housing units permitted, Lorain County1,331
- Of those, single family, Lorain County1,091
- County product, 2024, Lorain County$15,028,762,000
- County product change over the prior year, Lorain County5.8 percent
- Average income of an arriving household, Lorain County$67,948
Every figure in this section is published for Lorain County as a whole and is not a measurement of Amherst. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Amherst questions, answered from the record.
How many people live in Amherst, Ohio?
12,906, in 4,830 households. Amherst city covers 7.08 square miles of land, which is 1,822 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Amherst in?
Lorain County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Amherst?
$90,725. The median owner-occupied home is valued at $239,200. Median gross rent is $906 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Amherst businesses?
41 7(a) approvals totalling $13.3 m, across 15 lenders, median approval $100,000, plus 4 504 approvals worth $2.4 m. These count approvals to borrowers whose address is in Amherst, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Amherst borrowers get paid back?
No rate is published for Amherst. only 4 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Amherst in the National Flood Insurance Program?
Yes. Amherst appears in the FEMA Community Status Book as community 390347, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Amherst figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Lorain County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Amherst.
Is zoning published for Amherst?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.