Lucas County, Ohio: commercial real estate data.
Lucas County, Ohio had an estimated 426,291 residents on July 1, 2024, down 1.2 percent since the 2020 census base of 431,274, across 341 square miles. County output reached $33.40 bn in 2024, 9,282 establishments operate here, and the SBA record carries 722 7(a) approvals worth $240.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Lucas County
How many people live in Lucas County
- Population, American Community Survey 2020-2024428,018
- Households183,243
- Average household size2.34
- Median household income$62,224
- Median age38.5
- Median gross rent$934 per month
- Median owner-occupied home value$163,900
- Home value to household income2.6 times
- Annual rent as a share of median income18.0 percent
- Adults 25 and over with a bachelor degree or higher29.4 percent
- Adults 25 and over with a graduate degree11.3 percent
- Adults 25 and over292,536
- Population under 1897,509
- Share under 1822.8 percent
- Population 65 and over75,209
- Share 65 and over17.6 percent
- Working age population, 18 to 64255,300
- Civilian labor force214,924
- Unemployment rate6.3 percent
- Labor force participation, adults 18 and over65.0 percent
- Rank by population among Ohio counties6th of 88
- Rank by population among US county-equivalents, Puerto Rico included170th of 3,222
Lucas County is the 6th 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 22.8 percent against 17.6 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Lucas County
Is Lucas County's population growing?
- Population, July 1, 2024426,291
- Census 2020 base population431,274
- Population change since the 2020 census base-1.16 percent
- Population change, 2023 to 202451
- Births, 20244,884
- Deaths, 20244,609
- Natural change, 2024275
- Net domestic migration, 2024-1,433
- Net international migration, 20241,215
- Total net migration, 2024-218
- Cumulative net domestic migration, 2021 to 2024-7,337
- Rank by growth among US county-equivalents2255th of 3,144
The county has lost 1.16 percent of its population 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.
Lucas County
Where are people moving to Lucas County from?
- Tax returns filed by households arriving7,667
- People arriving, from those returns12,220
- Tax returns filed by households leaving8,311
- Net household movement-644
- Adjusted gross income arriving$449.6 m
- Net adjusted gross income movement$-90.2 m
- Average income of an arriving household$58,643
- Average income of a leaving household$64,952
- Largest single originWood County (1,511 households)
- Largest single destinationWood County (1,500 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Wood County | 1,511 | 2,355 | $90.9 m |
| Monroe County | 657 | 1,005 | $35.8 m |
| Fulton County | 336 | 545 | $17.0 m |
| Wayne County | 298 | 536 | $13.6 m |
| Franklin County | 220 | 339 | $12.4 m |
| Ottawa County | 185 | 308 | $10.3 m |
| Cuyahoga County | 145 | 206 | $7.1 m |
| Lenawee County | 133 | 208 | $5.8 m |
Households arriving report $6,309 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Wood 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.
Lucas County
What is the Lucas County economy?
- County GDP, 2024$33.40 bn
- County GDP, 2023$32.96 bn
- GDP change, 2023 to 20241.3 percent
- GDP change over five years35.7 percent
- Rank by GDP among the Ohio areas BEA publishes6th of 88
- Rank by GDP among the US county areas BEA publishes179th of 3,127
- GDP per resident$78,033
Output grew 1.3 percent in the latest year and 35.7 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.
Lucas County
Employment by industry in Lucas County
- Covered employment, annual average194,869
- Establishments reporting10,950
- Average annual pay$62,231
- Average weekly wage$1,197
- Health care and social assistance, employment37,692
- Health care and social assistance, average annual pay$65,918
- Manufacturing, employment22,898
- Manufacturing, average annual pay$92,347
- Retail trade, employment21,028
- Retail trade, average annual pay$36,607
- Accommodation and food services, employment19,813
- Accommodation and food services, average annual pay$22,538
- Administrative and support and waste management services, employment11,083
- Construction, employment8,543
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 37,692 | 1,498 | $65,918 |
| Manufacturing | 22,898 | 478 | $92,347 |
| Retail trade | 21,028 | 1,355 | $36,607 |
| Accommodation and food services | 19,813 | 1,107 | $22,538 |
| Administrative and support and waste management services | 11,083 | 777 | $39,323 |
| Construction | 8,543 | 746 | $83,288 |
| Professional, scientific and technical services | 7,443 | 1,166 | $85,170 |
| Other services, except public administration | 6,221 | 845 | $45,642 |
Health care and social assistance is the largest private sector at 37,692 jobs, 19.3 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Lucas County
How many businesses are in Lucas County?
- Establishments, all industries9,282
- Employment at those establishments187,961
- Annual payroll$10.62 bn
- Establishments per 1,000 residents21.7
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.
Lucas County
Building permits in Lucas County
- Housing units authorized by permit, 2024413
- Declared construction value permitted$134.3 m
- Single family units authorized287
- Multifamily units authorized126
- Multifamily share of units30.5 percent
- Average declared value per unit$325,210
- Units authorized per 1,000 households2.3
Single-family homes are 69.5 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Lucas County
SBA loans in Lucas County (7(a) and 504)
- 7(a) approvals recorded722
- 7(a) gross approval dollars$240.6 m
- Average 7(a) approval$333,249
- Median 7(a) approval$65,850
- 10th percentile approval$19,000
- 90th percentile approval$824,410
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)5,639
- Jobs per approval7.8
- Distinct 7(a) lenders active60
- Distinct industries receiving approvals196
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer9.8 percent
- Loans on real estate terms71
- Loans on working capital terms, 120 months or shorter635
- Franchise loans64
- Franchise share of approvals8.9 percent
- Leading industry by approval countFull-Service Restaurants (47)
- Most active lenderThe Huntington National Bank (479)
- 504 approvals recorded78
- 504 gross approval dollars$53.3 m
- Average 504 approval$683,577
- Median 504 approval$413,000
- Distinct CDCs active8
- 504 jobs per approval11.0
- 504 jobs per million dollars approved16.1
- Most active CDCNorthwest Ohio Development Assistance Corporation (55)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$293.9 m
The average approval of $333,249 sits well above the median of $65,850, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 9.8 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.
Lucas County
SBA loan default and charge-off rates in Lucas County
Do SBA loans in Lucas County get paid back?
- Loans with a final outcome recorded146
- Paid in full140
- Charged off6
- Charge-off rate on resolved loans4.1 percent
- Status: Paid in full140
- Status: Cancelled76
- Status: Charged off6
- Status: Exempt from disclosure455
- Status: Committed, not yet disbursed45
Of the 146 loans that have reached a final outcome, 4.1 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.
Lucas County
SBA lending by place in Lucas County
- Borrower cities with recorded lending17
- Toledo, approvals432
- Maumee, approvals87
- Sylvania, approvals79
- Holland, approvals49
- Oregon, approvals32
- Waterville, approvals11
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Toledo | 432 | $143,178,800 |
| Maumee | 87 | $40,426,000 |
| Sylvania | 79 | $19,094,300 |
| Holland | 49 | $23,334,700 |
| Oregon | 32 | $3,662,500 |
| Waterville | 11 | $6,393,600 |
| Whitehouse | 10 | $514,600 |
| Monclova | 8 | $618,100 |
| 9 other borrower cities | 14 | $3,383,500 |
Toledo accounts for 432 approvals against 87 in Maumee. 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.
Lucas County
How large is Lucas County?
- Land area341 sq mi
- Rank by land area among Ohio counties85th of 88
- Width, east to west37.1 mi
- Height, north to south22 mi
- Geographies sharing a boundary6
- Residents per square mile of land1,255
- Establishments per square mile27.22
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.
Lucas County
Flood risk in Lucas County
- Participation of the county's own NFIP community Lucas County, unincorporated areasParticipating, community 390359
- Communities in the county in the NFIP Community Status Book12
- Of those, participating in the NFIP11
- NFIP participation rate91.7 percent
- Communities carrying a CRS class0
- Radon levels in Lucas 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 Lucas County (community 390359), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Lucas 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. 91.7 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 Lucas 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 Lucas County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024428,018
- Households183,243
- Average household size2.34
- Median household income$62,224
- Median age38.5
Common questions
Lucas County questions, answered from the record.
How many people live in Lucas County, Ohio?
The Census Bureau estimates 426,291 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 428,018, in 183,243 households, ranking 6th of 88 Ohio counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Lucas County's population growing?
The population has fallen 1.16 percent since the 2020 census base of 431,274, to 426,291 on July 1, 2024. In 2024 there were 4,884 births against 4,609 deaths, with net migration of -218. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Lucas County?
$62,224. The median owner-occupied home is valued at $163,900, which is 2.6 times income, and median gross rent is $934 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Lucas County?
9,282 establishments, employing 187,961 people with an annual payroll of $10.62 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 Lucas County?
Health care and social assistance is the largest private sector at 37,692 jobs, 19.3 percent of covered employment. Covered employment averages 194,869 jobs at an average annual pay of $62,231, or $1,197 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Lucas County?
722 7(a) approvals totaling $240.6 m since FY2020, across 60 lenders, with a median approval of $65,850, plus 78 504 approvals worth $53.3 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Lucas County get paid back?
Of the 146 loans that have reached a final outcome, 140 were paid in full and 6 charged off, a charge-off rate of 4.1 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Lucas County?
413 housing units were authorized by permit in 2024, with a declared construction value of $134.3 m. Multifamily was 30.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Lucas 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 Lucas County come from?
The largest single origin is Wood County, with 1,511 households. Arriving households report an average income of $58,643 against $64,952 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Lucas 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 Lucas 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.
Lucas County
Cities and places in Lucas.
14 Census places lie wholly or partly in Lucas 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 |
|---|---|---|---|---|
| Toledo | city | 267,463 | 432 | Wholly in this county |
| Oregon | city | 19,799 | 32 | Wholly in this county |
| Sylvania | city | 19,055 | 79 | Wholly in this county |
| Maumee | city | 13,715 | 87 | Wholly in this county |
| Waterville | city | 6,017 | 11 | Wholly in this county |
| Ottawa Hills | village | 4,798 | 3 | Wholly in this county |
| Whitehouse | village | 4,642 | 10 | Wholly in this county |
| Swanton | village | 4,098 | 3 | 32.5 percent here, 67.5 percent Fulton County |
| Curtice | CDP | 1,535 | None recorded | 26.7 percent here, 73.3 percent Ottawa County |
| Holland | village | 1,438 | 49 | Wholly in this county |
| Neapolis | CDP | 737 | None recorded | Wholly in this county |
| Reno Beach | CDP | 673 | None recorded | Wholly in this county |
| Berkey | village | 317 | 1 | Wholly in this county |
| Harbor View | village | 110 | None recorded | Wholly in this county |
A further 15 of the county's 722 SBA 7(a) approvals are to borrowers in cities that match no Census place in Lucas County, the largest being Monclova (8), Genoa (2), Lawrenceville (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