Richland County, Ohio: commercial real estate data.
Richland County, Ohio had an estimated 124,853 residents on July 1, 2024, down 0.1 percent since the 2020 census base of 124,944, across 495 square miles. County output reached $6.00 bn in 2024, 2,616 establishments operate here, and the SBA record carries 144 7(a) approvals worth $54.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Richland County
How many people live in Richland County
- Population, American Community Survey 2020-2024125,099
- Households50,111
- Average household size2.50
- Median household income$59,509
- Median age40.9
- Median gross rent$824 per month
- Median owner-occupied home value$164,800
- Home value to household income2.8 times
- Annual rent as a share of median income16.6 percent
- Adults 25 and over with a bachelor degree or higher17.9 percent
- Adults 25 and over with a graduate degree6.4 percent
- Adults 25 and over87,570
- Population under 1827,226
- Share under 1821.8 percent
- Population 65 and over25,199
- Share 65 and over20.1 percent
- Working age population, 18 to 6472,674
- Civilian labor force56,957
- Unemployment rate5.4 percent
- Labor force participation, adults 18 and over58.2 percent
- Rank by population among Ohio counties23rd of 88
- Rank by population among US county-equivalents, Puerto Rico included522nd of 3,222
Richland County is the 23rd largest of 88 Ohio counties by population. A median home costs 2.8 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 21.8 percent against 20.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Richland County
Is Richland County's population growing?
- Population, July 1, 2024124,853
- Census 2020 base population124,944
- Population change since the 2020 census base-0.07 percent
- Population change, 2023 to 2024-150
- Births, 20241,298
- Deaths, 20241,600
- Natural change, 2024-302
- Net domestic migration, 20249
- Net international migration, 2024147
- Total net migration, 2024156
- Cumulative net domestic migration, 2021 to 20241,142
- Rank by growth among US county-equivalents1865th of 3,144
The county has lost 0.07 percent of its population since the 2020 census base. Deaths exceeded births in 2024 by more than net migration added, so the population fell even though more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Richland County
Where are people moving to Richland County from?
- Tax returns filed by households arriving2,531
- People arriving, from those returns4,346
- Tax returns filed by households leaving2,543
- Net household movement-12
- Adjusted gross income arriving$118.6 m
- Net adjusted gross income movement$-340,000
- Average income of an arriving household$46,866
- Average income of a leaving household$46,778
- Largest single originCrawford County (282 households)
- Largest single destinationAshland County (283 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Crawford County | 282 | 498 | $10.9 m |
| Ashland County | 247 | 447 | $10.5 m |
| Franklin County | 246 | 401 | $11.7 m |
| Huron County | 135 | 233 | $6.3 m |
| Morrow County | 131 | 259 | $6.1 m |
| Knox County | 116 | 213 | $5.4 m |
| Cuyahoga County | 70 | 100 | $3.1 m |
| Delaware County | 67 | 104 | $5.1 m |
Households arriving report $88 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 Crawford 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.
Richland County
What is the Richland County economy?
- County GDP, 2024$6.00 bn
- County GDP, 2023$5.83 bn
- GDP change, 2023 to 20243.0 percent
- GDP change over five years28.6 percent
- Rank by GDP among the Ohio areas BEA publishes29th of 88
- Rank by GDP among the US county areas BEA publishes651st of 3,127
- GDP per resident$47,998
Output grew 3.0 percent in the latest year and 28.6 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.
Richland County
Employment by industry in Richland County
- Covered employment, annual average48,954
- Establishments reporting2,896
- Average annual pay$50,804
- Average weekly wage$977
- Manufacturing, employment9,428
- Manufacturing, average annual pay$63,491
- Health care and social assistance, employment7,944
- Health care and social assistance, average annual pay$56,976
- Retail trade, employment6,068
- Retail trade, average annual pay$31,653
- Accommodation and food services, employment4,809
- Accommodation and food services, average annual pay$19,826
- Administrative and support and waste management services, employment2,533
- Construction, employment2,171
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 9,428 | 186 | $63,491 |
| Health care and social assistance | 7,944 | 351 | $56,976 |
| Retail trade | 6,068 | 400 | $31,653 |
| Accommodation and food services | 4,809 | 248 | $19,826 |
| Administrative and support and waste management services | 2,533 | 162 | $37,779 |
| Construction | 2,171 | 283 | $67,700 |
| Wholesale trade | 1,626 | 139 | $65,785 |
| Transportation and warehousing | 1,544 | 94 | $69,920 |
Manufacturing is the largest private sector at 9,428 jobs, 19.3 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Richland County
How many businesses are in Richland County?
- Establishments, all industries2,616
- Employment at those establishments39,131
- Annual payroll$1.79 bn
- Establishments per 1,000 residents20.9
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.
Richland County
Building permits in Richland County
- Housing units authorized by permit, 2024143
- Declared construction value permitted$46.7 m
- Single family units authorized122
- Multifamily units authorized21
- Multifamily share of units14.7 percent
- Average declared value per unit$326,293
- Units authorized per 1,000 households2.9
Single-family homes are 85.3 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Richland County
SBA loans in Richland County (7(a) and 504)
- 7(a) approvals recorded144
- 7(a) gross approval dollars$54.9 m
- Average 7(a) approval$381,499
- Median 7(a) approval$100,000
- 10th percentile approval$24,930
- 90th percentile approval$865,020
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)1,010
- Jobs per approval7.0
- Distinct 7(a) lenders active26
- Distinct industries receiving approvals67
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer16.0 percent
- Loans on real estate terms23
- Loans on working capital terms, 120 months or shorter118
- Franchise loans14
- Franchise share of approvals9.7 percent
- Leading industry by approval countAll Other Specialty Trade Contractors (11)
- Most active lenderThe Huntington National Bank (72)
- 504 approvals recorded20
- 504 gross approval dollars$8.8 m
- Average 504 approval$441,750
- Median 504 approval$421,000
- Distinct CDCs active4
- 504 jobs per approval6.5
- 504 jobs per million dollars approved14.7
- Most active CDCOhio Statewide Development Corporation (12)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$63.8 m
The average approval of $381,499 sits well above the median of $100,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 16.0 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. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Richland County
SBA loan default and charge-off rates in Richland County
Do SBA loans in Richland County get paid back?
- Loans with a final outcome recorded41
- Paid in full40
- Charged off1
- Charge-off rate on resolved loans2.4 percent
- Status: Paid in full40
- Status: Exempt from disclosure85
- Status: Cancelled9
- Status: Charged off1
- Status: Committed, not yet disbursed9
Of the 41 loans that have reached a final outcome, 2.4 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.
Richland County
SBA lending by place in Richland County
- Borrower cities with recorded lending11
- Mansfield, approvals103
- Ontario, approvals11
- Bellville, approvals9
- Shelby, approvals8
- Lexington, approvals4
- Butler, approvals3
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Mansfield | 103 | $40,094,400 |
| Ontario | 11 | $2,084,800 |
| Bellville | 9 | $5,981,400 |
| Shelby | 8 | $5,151,300 |
| Lexington | 4 | $238,800 |
| Butler | 3 | $717,000 |
| Galion | 2 | $189,300 |
| Perrysville | 1 | $400,000 |
| 3 other borrower cities | 3 | $78,900 |
Mansfield accounts for 103 approvals against 11 in Ontario. 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.
Richland County
How large is Richland County?
- Land area495 sq mi
- Rank by land area among Ohio counties26th of 88
- Width, east to west20.4 mi
- Height, north to south30.8 mi
- Geographies sharing a boundary5
- Residents per square mile of land253
- Establishments per square mile5.28
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.
Richland County
Flood risk in Richland County
- Participation of the county's own NFIP community Richland County, unincorporated areasParticipating, community 390476
- Communities in the county in the NFIP Community Status Book10
- Of those, participating in the NFIP10
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 7
- Communities carrying a CRS class1
- Radon levels in Richland 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 Richland County (community 390476), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Richland 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. The best Community Rating System class among the county's communities is 7, which carries a flood insurance premium discount for policies written in that community. 100.0 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 Richland 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 Richland County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024125,099
- Households50,111
- Average household size2.50
- Median household income$59,509
- Median age40.9
Common questions
Richland County questions, answered from the record.
How many people live in Richland County, Ohio?
The Census Bureau estimates 124,853 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 125,099, in 50,111 households, ranking 23rd of 88 Ohio counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Richland County's population growing?
The population has fallen 0.07 percent since the 2020 census base of 124,944, to 124,853 on July 1, 2024. In 2024 there were 1,298 births against 1,600 deaths, with net migration of 156. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Richland County?
$59,509. The median owner-occupied home is valued at $164,800, which is 2.8 times income, and median gross rent is $824 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Richland County?
2,616 establishments, employing 39,131 people with an annual payroll of $1.79 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 Richland County?
Manufacturing is the largest private sector at 9,428 jobs, 19.3 percent of covered employment. Covered employment averages 48,954 jobs at an average annual pay of $50,804, or $977 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Richland County?
144 7(a) approvals totaling $54.9 m since FY2020, across 26 lenders, with a median approval of $100,000, plus 20 504 approvals worth $8.8 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Richland County get paid back?
Of the 41 loans that have reached a final outcome, 40 were paid in full and 1 charged off, a charge-off rate of 2.4 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Richland County?
143 housing units were authorized by permit in 2024, with a declared construction value of $46.7 m. Multifamily was 14.7 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Richland 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 Richland County come from?
The largest single origin is Crawford County, with 282 households. Arriving households report an average income of $46,866 against $46,778 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Richland 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 Richland 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.
Richland County
Cities and places in Richland.
12 Census places lie wholly or partly in Richland County. All 12 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 |
|---|---|---|---|---|
| Mansfield | city | 47,663 | 103 | Wholly in this county |
| Galion | city | 10,339 | 2 | 2.6 percent here, 96.4 percent Crawford County |
| Shelby | city | 8,865 | 8 | Wholly in this county |
| Ontario | city | 6,667 | 11 | Wholly in this county |
| Lexington | village | 4,774 | 4 | Wholly in this county |
| Bellville | village | 2,086 | 9 | Wholly in this county |
| Roseland | CDP | 1,827 | None recorded | Wholly in this county |
| Plymouth | village | 1,804 | 1 | 47.2 percent here, 52.8 percent Huron County |
| Butler | village | 1,146 | 3 | Wholly in this county |
| Lincoln Heights | CDP | 685 | None recorded | Wholly in this county |
| Lucas | village | 593 | 1 | Wholly in this county |
| Shiloh | village | 526 | 1 | Wholly in this county |
A further 1 of the county's 144 SBA 7(a) approvals are to borrowers in cities that match no Census place in Richland County, the largest being Perrysville (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