Paulding County, Ohio: commercial real estate data.
Paulding County, Ohio has a population of 18,791 across 416 square miles, down 0.2 percent since the 2020 census base. County output reached $790.0 m in 2024, 309 establishments operate here, and the SBA record carries 4 7(a) approvals worth $180,000.
110 sourced county values · tier FULL · 12 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Paulding County
How many people live in Paulding County
- Population18,791
- Households7,624
- Average household size2.46
- Median household income$67,731
- Median age41.0
- Median gross rent$812 per month
- Median owner-occupied home value$140,800
- Home value to household income2.1 times
- Annual rent as a share of median income14.4 percent
- Adults 25 and over with a bachelor degree or higher16.9 percent
- Adults 25 and over with a graduate degree5.7 percent
- Adults 25 and over13,020
- Population under 184,437
- Share under 1823.6 percent
- Population 65 and over3,625
- Share 65 and over19.3 percent
- Working age population, 18 to 6410,729
- Civilian labor force9,370
- Unemployment rate3.6 percent
- Labor force participation, adults 18 and over65.3 percent
- Rank by population among Ohio counties83rd of 88
- Rank by population among US county-equivalents1946th
Paulding County is the 83rd largest of 88 Ohio counties by population. A median home costs 2.1 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 23.6 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.
Paulding County
Is Paulding County's population growing?
- Population change since the 2020 census base-0.24 percent
- Census 2020 base population18,801
- Births, 2024226
- Deaths, 2024255
- Natural change, 2024-29
- Net domestic migration, 202411
- Net international migration, 202445
- Total net migration, 202456
- Cumulative net domestic migration, 2021 to 2024-73
- Rank by growth among US county-equivalents1935th
The county has lost 0.24 percent of its population since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Paulding County
Where are people moving to Paulding County from?
- Tax returns filed by households arriving383
- People arriving, from those returns686
- Adjusted gross income arriving$18.3 m
- Net adjusted gross income movement$0
- Average income of an arriving household$47,859
- Largest single originPaulding County Non-migrants (7,455 households)
- Largest single destination (7,455 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Paulding County Non-migrants | 7,455 | 15,164 | $511.5 m |
| Defiance County | 99 | 176 | $4.3 m |
| Other flows - Same State | 93 | 156 | $4.2 m |
| Other flows - Different State | 82 | 146 | $3.4 m |
| Other flows - Midwest | 50 | 89 | $2.1 m |
| Allen County | 44 | 94 | $3.7 m |
| Van Wert County | 43 | 74 | $1.8 m |
| Other flows - South | 32 | 57 | $1.3 m |
The largest single source of arrivals is Paulding County Non-migrants, 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.
Paulding County
What is the Paulding County economy?
- County GDP, 2024$790.0 m
- County GDP, 2023$812.8 m
- GDP change, 2023 to 2024-2.8 percent
- GDP change over five years31.1 percent
- Rank by GDP among Ohio counties84th
- Rank by GDP among US county-equivalents2033rd
- GDP per resident$42,041
Output grew -2.8 percent in the latest year and 31.1 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.
Paulding County
Largest employers in Paulding County
- Covered employment, annual average4,982
- Establishments reporting420
- Average annual pay$50,035
- Average weekly wage$962
- Sector 31-33, employment1,123
- Sector 31-33, average annual pay$55,816
- Sector 44-45, employment360
- Sector 44-45, average annual pay$30,363
- Sector 48-49, employment302
- Sector 48-49, average annual pay$52,201
- Sector 42, employment155
- Sector 42, average annual pay$68,148
- Sector 56, employment136
- Sector 23, employment103
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 1,123 | 29 | $55,816 |
| Sector 44-45 | 360 | 46 | $30,363 |
| Sector 48-49 | 302 | 34 | $52,201 |
| Sector 42 | 155 | 20 | $68,148 |
| Sector 56 | 136 | 17 | $50,399 |
| Sector 23 | 103 | 30 | $55,306 |
| Sector 52 | 99 | 22 | $57,257 |
| Sector 81 | 93 | 24 | $30,870 |
The largest sector is the biggest private employer group at 1,123 jobs, 22.5 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Paulding County
How many businesses are in Paulding County?
- Establishments, all industries309
- Employment at those establishments4,033
- Annual payroll$172.7 m
- Establishments per 1,000 residents16.4
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Paulding County
Building permits in Paulding County
- Housing units authorised by permit, 202422
- Declared construction value permitted$5.8 m
- Single family units authorised18
- Multifamily units authorised4
- Multifamily share of units18.2 percent
- Average declared value per unit$264,201
- Units authorised per 1,000 households2.9
Multifamily is 18.2 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Paulding County
SBA loans in Paulding County (7(a) and 504)
- 7(a) approvals recorded4
- 7(a) gross approval dollars$180,000
- Average 7(a) approval$45,000
- Median 7(a) approval$25,000
- 10th percentile approval$5,000
- 90th percentile approval$140,000
- Largest single approval$140,000
- Jobs reported supported, 7(a)5
- Jobs per approval1.3
- Distinct 7(a) lenders active2
- Distinct industries receiving approvals3
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer25.0 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter3
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countAll Other Specialty Trade Contractors (2)
- Most active lenderThe Huntington National Bank (3)
The average approval of $45,000 sits well above the median of $25,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 25.0 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.
Paulding County
SBA loan default and charge-off rates in Paulding County
Do SBA loans in Paulding County get paid back?
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure4
Too few loans have reached a final outcome to publish a charge off rate. only 0 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
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.
Paulding County
SBA lending by place in Paulding County
- Places in the county with recorded lending3
- Paulding, approvals2
- ANTWERP, approvals1
- OAKWOOD, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Paulding | 2 | $165,000 |
| ANTWERP | 1 | $10,000 |
| OAKWOOD | 1 | $5,000 |
Paulding accounts for 2 approvals against 1 in ANTWERP. 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.
Paulding County
How large is Paulding County?
- Land area416 sq mi
- Rank by land area among Ohio counties55th of 88
- Width, east to west24.1 mi
- Height, north to south18.2 mi
- Geographies sharing a boundary3
- Residents per square mile of land45
- Establishments per square mile0.74
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.
Paulding County
Flood risk in Paulding County
- Communities in the NFIP Community Status Book7
- Of those, participating in the NFIP6
- NFIP participation rate85.7 percent
- Communities carrying a CRS class0
- Radon levels in Paulding County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The EPA places Paulding 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. 85.7 percent of the county's listed communities participate in the National Flood Insurance Program, per FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
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.
- No 504 approvals recorded in this county in the FOIA release covering FY2010 onward.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Paulding 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 Paulding County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population18,791
- Households7,624
- Average household size2.46
- Median household income$67,731
- Median age41.0
Common questions
Paulding County questions, answered from the record.
How many people live in Paulding County, Ohio?
18,791, in 7,624 households, ranking 83rd of 88 Ohio counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Paulding County's population growing?
The population has fallen 0.24 percent since the 2020 census base. In 2024 there were 226 births against 255 deaths, with net migration of 56. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Paulding County?
$67,731. The median owner-occupied home is valued at $140,800, which is 2.1 times income, and median gross rent is $812 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Paulding County?
309 establishments, employing 4,033 people with an annual payroll of $172.7 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Paulding County?
Average annual pay is $50,035, or $962 a week, across 4,982 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Paulding County?
4 7(a) approvals totalling $180,000 since FY2020, across 2 lenders, with a median approval of $25,000. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Paulding County?
22 housing units were authorised by permit in 2024, with a declared construction value of $5.8 m. Multifamily was 18.2 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Paulding 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 Paulding County come from?
The largest single origin is Paulding County Non-migrants, with 7,455 households. Arriving households report an average income of $47,859 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Paulding 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 Paulding County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.
Paulding County
Cities and places in Paulding.
11 Census places lie wholly or partly in Paulding County. 11 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 approvals | Lies in |
|---|---|---|---|---|
| Paulding | village | 3,230 | 2 | Wholly in this county |
| Antwerp | village | 1,916 | 1 | Wholly in this county |
| Payne | village | 1,418 | None recorded | Wholly in this county |
| Oakwood | village | 499 | 1 | Wholly in this county |
| Grover Hill | village | 435 | None recorded | Wholly in this county |
| Melrose | village | 404 | None recorded | Wholly in this county |
| Haviland | village | 186 | None recorded | Wholly in this county |
| Latty | village | 182 | None recorded | Wholly in this county |
| Scott | village | 160 | None recorded | 37.7 percent here, 62.3 percent Van Wert County |
| Cecil | village | 138 | None recorded | Wholly in this county |
| Broughton | village | 118 | None recorded | Wholly in this county |