Morrow County, Ohio: commercial real estate data.
Morrow County, Ohio had an estimated 35,927 residents on July 1, 2024, up 2.8 percent since the 2020 census base of 34,944, across 406 square miles. County output reached $909.9 m in 2024, 456 establishments operate here, and the SBA record carries 27 7(a) approvals worth $1.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Morrow County
How many people live in Morrow County
- Population, American Community Survey 2020-202435,404
- Households13,463
- Average household size2.63
- Median household income$75,283
- Median age43.2
- Median gross rent$937 per month
- Median owner-occupied home value$222,300
- Home value to household income3.0 times
- Annual rent as a share of median income14.9 percent
- Adults 25 and over with a bachelor degree or higher19.4 percent
- Adults 25 and over with a graduate degree6.1 percent
- Adults 25 and over25,169
- Population under 187,692
- Share under 1821.7 percent
- Population 65 and over6,840
- Share 65 and over19.3 percent
- Working age population, 18 to 6420,872
- Civilian labor force17,489
- Unemployment rate2.9 percent
- Labor force participation, adults 18 and over63.1 percent
- Rank by population among Ohio counties69th of 88
- Rank by population among US county-equivalents, Puerto Rico included1330th of 3,222
Morrow County is the 69th largest of 88 Ohio counties by population. A median home costs 3.0 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 21.7 percent against 19.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Morrow County
Is Morrow County's population growing?
- Population, July 1, 202435,927
- Census 2020 base population34,944
- Population change since the 2020 census base2.81 percent
- Population change, 2023 to 2024344
- Births, 2024358
- Deaths, 2024356
- Natural change, 20242
- Net domestic migration, 2024336
- Net international migration, 20248
- Total net migration, 2024344
- Cumulative net domestic migration, 2021 to 20241,033
- Rank by growth among US county-equivalents922nd of 3,144
The county has grown 2.81 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.
Morrow County
Where are people moving to Morrow County from?
- Tax returns filed by households arriving1,097
- People arriving, from those returns2,028
- Tax returns filed by households leaving977
- Net household movement120
- Adjusted gross income arriving$65.8 m
- Net adjusted gross income movement$18.4 m
- Average income of an arriving household$59,966
- Average income of a leaving household$48,473
- Largest single originFranklin County (231 households)
- Largest single destinationDelaware County (132 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Franklin County | 231 | 373 | $14.7 m |
| Delaware County | 193 | 381 | $13.0 m |
| Marion County | 97 | 187 | $4.6 m |
| Richland County | 97 | 180 | $4.5 m |
| Crawford County | 83 | 158 | $3.4 m |
| Knox County | 82 | 162 | $4.6 m |
| Licking County | 27 | 54 | $1.2 m |
Households arriving report $11,493 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Franklin 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.
Morrow County
What is the Morrow County economy?
- County GDP, 2024$909.9 m
- County GDP, 2023$876.6 m
- GDP change, 2023 to 20243.8 percent
- GDP change over five years30.0 percent
- Rank by GDP among the Ohio areas BEA publishes82nd of 88
- Rank by GDP among the US county areas BEA publishes1914th of 3,127
- GDP per resident$25,699
Output grew 3.8 percent in the latest year and 30.0 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.
Morrow County
Employment by industry in Morrow County
- Covered employment, annual average5,513
- Establishments reporting573
- Average annual pay$44,743
- Average weekly wage$860
- Manufacturing, employment746
- Manufacturing, average annual pay$60,391
- Retail trade, employment627
- Retail trade, average annual pay$27,972
- Accommodation and food services, employment440
- Accommodation and food services, average annual pay$16,691
- Construction, employment405
- Construction, average annual pay$56,349
- Administrative and support and waste management services, employment163
- Arts, entertainment and recreation, employment147
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 746 | 21 | $60,391 |
| Retail trade | 627 | 56 | $27,972 |
| Accommodation and food services | 440 | 38 | $16,691 |
| Construction | 405 | 96 | $56,349 |
| Administrative and support and waste management services | 163 | 39 | $35,818 |
| Arts, entertainment and recreation | 147 | 10 | $22,117 |
| Agriculture, forestry, fishing and hunting | 142 | 21 | $43,283 |
| Other services, except public administration | 122 | 38 | $36,871 |
Manufacturing is the largest private sector at 746 jobs, 13.5 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Morrow County
How many businesses are in Morrow County?
- Establishments, all industries456
- Employment at those establishments4,510
- Annual payroll$188.3 m
- Establishments per 1,000 residents12.9
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.
Morrow County
Building permits in Morrow County
- Housing units authorized by permit, 202499
- Declared construction value permitted$32.0 m
- Single family units authorized99
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$323,309
- Units authorized per 1,000 households7.4
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.
Morrow County
SBA loans in Morrow County (7(a) and 504)
- 7(a) approvals recorded27
- 7(a) gross approval dollars$1.8 m
- Average 7(a) approval$66,381
- Median 7(a) approval$53,800
- 10th percentile approval$20,080
- 90th percentile approval$119,200
- Largest single approval$225,000
- Jobs reported supported, 7(a)53
- Jobs per approval2.0
- Distinct 7(a) lenders active7
- Distinct industries receiving approvals17
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer3.7 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter26
- Franchise loans0
- Franchise share of approvals0.0 percent
- Most active lenderThe Huntington National Bank (17)
- 504 approvals recorded4
- 504 gross approval dollars$526,000
- Average 504 approval$131,500
- Median 504 approval$127,000
- Distinct CDCs active2
- 504 jobs per approval2.0
- 504 jobs per million dollars approved15.2
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$2.3 m
The average approval of $66,381 sits above the median of $53,800; the median is the better guide to what a typical borrower here gets. Only 3.7 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.
Morrow County
SBA loan default and charge-off rates in Morrow County
Do SBA loans in Morrow County get paid back?
- Loans with a final outcome recorded10
- Paid in full10
- Charged off0
- Status: Paid in full10
- Status: Exempt from disclosure13
- Status: Cancelled3
- Status: Committed, not yet disbursed1
Only 10 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.
Morrow County
SBA lending by place in Morrow County
- Borrower cities with recorded lending4
- Marengo, approvals16
- Mount Gilead, approvals6
- Cardington, approvals3
- 8985 E Liberty North Rd, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Marengo | 16 | $1,157,700 |
| Mount Gilead | 6 | $480,600 |
| Cardington | 3 | $111,000 |
| 8985 E Liberty North Rd | 2 | $43,000 |
Marengo accounts for 16 approvals against 6 in Mount Gilead. 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.
Morrow County
How large is Morrow County?
- Land area406 sq mi
- Rank by land area among Ohio counties72nd of 88
- Width, east to west20.9 mi
- Height, north to south25.3 mi
- Geographies sharing a boundary5
- Residents per square mile of land87
- Establishments per square mile1.12
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.
Morrow County
Flood risk in Morrow County
- Participation of the county's own NFIP community Morrow County, unincorporated areasParticipating, community 390868
- Communities in the county in the NFIP Community Status Book6
- Of those, participating in the NFIP3
- NFIP participation rate50.0 percent
- Communities carrying a CRS class0
- Radon levels in Morrow 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 Morrow County (community 390868), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Morrow 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. 50.0 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 Morrow 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 Morrow County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202435,404
- Households13,463
- Average household size2.63
- Median household income$75,283
- Median age43.2
Common questions
Morrow County questions, answered from the record.
How many people live in Morrow County, Ohio?
The Census Bureau estimates 35,927 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 35,404, in 13,463 households, ranking 69th of 88 Ohio counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Morrow County's population growing?
The population has grown 2.81 percent since the 2020 census base of 34,944, to 35,927 on July 1, 2024. In 2024 there were 358 births against 356 deaths, with net migration of 344. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Morrow County?
$75,283. The median owner-occupied home is valued at $222,300, which is 3.0 times income, and median gross rent is $937 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Morrow County?
456 establishments, employing 4,510 people with an annual payroll of $188.3 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 Morrow County?
Manufacturing is the largest private sector at 746 jobs, 13.5 percent of covered employment. Covered employment averages 5,513 jobs at an average annual pay of $44,743, or $860 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Morrow County?
27 7(a) approvals totaling $1.8 m since FY2020, across 7 lenders, with a median approval of $53,800, plus 4 504 approvals worth $526,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Morrow County?
99 housing units were authorized by permit in 2024, with a declared construction value of $32.0 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Morrow 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 Morrow County come from?
The largest single origin is Franklin County, with 231 households. Arriving households report an average income of $59,966 against $48,473 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Morrow 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 Morrow 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.
Morrow County
Cities and places in Morrow.
10 Census places lie wholly or partly in Morrow County. 9 carry enough published place level data for a page of their own and are linked. The rest are named here and not linked, because the American Community Survey and the SBA record between them do not carry enough about them to write an honest page. A place existing is itself worth knowing, so nothing in the county is left out.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Mount Gilead | village | 3,331 | 6 | Wholly in this county |
| Cardington | village | 1,928 | 3 | Wholly in this county |
| Candlewood Lake | CDP | 1,053 | None recorded | Wholly in this county |
| Iberia | CDP | 499 | None recorded | Wholly in this county |
| Fulton | village | 378 | None recorded | Wholly in this county |
| Edison | village | 351 | None recorded | Wholly in this county |
| Marengo | village | 220 | 16 | Wholly in this county |
| Chesterville | village | 184 | None recorded | Wholly in this county |
| Sparta | village | 139 | None recorded | Wholly in this county |
| Hidden Lakes | CDP | 0 | None recorded | Wholly in this county |
A further 2 of the county's 27 SBA 7(a) approvals are to borrowers in cities that match no Census place in Morrow County, the largest being 8985 E Liberty North Rd (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.
Nearby