HomeOhioMontgomery CountyMoraine
Moraine, Ohio: commercial real estate data.
Moraine is a Census city of 6,536 people across 9.28 square miles of land, in Montgomery County. Median household income is $48,788, 55.4 percent of occupied homes are owned, and the SBA record carries 27 7(a) approvals to borrowers here worth $26.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Moraine
What Moraine is
- Census place typecity
- Land area9.28 sq mi
- Water area0.27 sq mi
- Population per square mile of land704
- County holding the largest share of its areaMontgomery 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.
Moraine
How many people live in Moraine
- Population6,536
- Median age33.6
- Population under 181,607 plus or minus 323
- Share under 1824.6 percent plus or minus 4.9
- Population 65 and over835 plus or minus 184
- Share 65 and over12.8 percent plus or minus 2.8
- Households2,692
- Family households1,609
- Share of households that are families59.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Moraine
Income and work in Moraine
- Median household income$48,788 plus or minus $12,668
- Per capita income$29,034
- Civilian labor force3,218
- Employed3,058
- Unemployed160 plus or minus 94
- Unemployment rate5.0 percent plus or minus 2.9
- Adults 25 and over4,273
- Adults 25 and over with a high school diploma or higher89.5 percent
- Adults 25 and over with a bachelor degree or higher17.3 percent plus or minus 4.0
- Adults 25 and over with a graduate degree6.1 percent plus or minus 2.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Moraine
Housing in Moraine
- Housing units3,132
- Occupied units2,692
- Vacant units440 plus or minus 197
- Vacancy rate14.0 percent plus or minus 6.2
- Owner occupied1,491
- Renter occupied1,201 plus or minus 240
- Ownership rate55.4 percent
- Median owner-occupied home value$156,800
- Median gross rent, monthly$1,035
- Annual rent as a share of median income25.5 percent plus or minus 7.0
- Single family units1,931
- Share single family61.7 percent
- Units in buildings of two or more1,031 plus or minus 327
- Share in buildings of two or more32.9 percent plus or minus 10.1
- Mobile homes170 plus or minus 94
- Median year structure built1979
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Moraine
How Moraine gets to work
- Workers 16 and over who commute2,684
- Commuting under 15 minutes804 plus or minus 233
- Share commuting under 15 minutes30.0 percent plus or minus 7.8
- Commuting 30 minutes or more699 plus or minus 276
- Share commuting 30 minutes or more26.0 percent plus or minus 9.7
- Drove alone73.2 percent
- Carpooled7.5 percent plus or minus 3.5
- Public transport0.0 percent
- Walked5.1 percent plus or minus 5.6
- Worked from home11.2 percent plus or minus 3.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Moraine
SBA loans in Moraine (7(a))
- Approvals27
- Gross approval$26,431,400
- Average approval$978,941
- Median approval$500,000
- Ninetieth percentile approval$2,879,640
- Largest approval$4,000,000
- Jobs supported392
- Jobs per approval14.5
- Loans with a final outcome6
- Paid in full6
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more22.2 percent
- Share to franchises3.7 percent
- Distinct lenders10
- Distinct industries by NAICS15
Counted by borrower city: approvals to borrowers whose address is in Moraine, in any county, FY2020 to FY2026. Only 6 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Moraine
SBA loans in Moraine (504)
- Approvals4
- Gross approval$1,181,000
- Average approval$295,250
- Median approval$305,500
- Largest approval$496,000
- Jobs supported27
- Loans with a final outcome3
- Charged off0
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Moraine, in any county, FY2010 to FY2026. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Moraine
Flood risk in Moraine
- NFIP communityCity of Moraine
- NFIP community number390414
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date01/06/05
The City of Moraine participates in the National Flood Insurance Program as community 390414 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Montgomery County, not Moraine
Montgomery County context, not Moraine figures
- Establishments in Montgomery County10,930
- Covered employment, Montgomery County250,085
- Average annual pay, Montgomery County$61,439
- Housing units permitted, Montgomery County933
Every figure in this section is published for Montgomery County as a whole and is not a measurement of Moraine.
All Montgomery County figures →
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.
Coverage
What this page does not hold.
Parcel detail, 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 →
Common questions
Moraine questions, answered from the record.
How many people live in Moraine, Ohio?
6,536, in 2,692 households. Moraine city covers 9.28 square miles of land, which is 704 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Moraine in?
Montgomery 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 Moraine?
$48,788. The median owner-occupied home is valued at $156,800. Median gross rent is $1,035 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Moraine businesses?
27 7(a) approvals totaling $26.4 m since FY2020, across 10 lenders, median approval $500,000, plus 4 504 approvals worth $1.2 m since FY2010. These count approvals to borrowers whose address is in Moraine, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Moraine borrowers get paid back?
No rate is published for Moraine. Only 6 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Moraine in the National Flood Insurance Program?
Yes. Moraine appears in the FEMA Community Status Book as Moraine, city of, community 390414, 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 Moraine figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Montgomery 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 Moraine.
Is zoning published for Moraine?
No. Nothing on this page presents parcel level zoning.