Seneca County, Ohio: commercial real estate data.
Seneca County, Ohio had an estimated 54,730 residents on July 1, 2024, down 0.6 percent since the 2020 census base of 55,076, across 551 square miles. County output reached $2.75 bn in 2024, 1,053 establishments operate here, and the SBA record carries 67 7(a) approvals worth $17.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Seneca County
How many people live in Seneca County
- Population, American Community Survey 2020-202454,770
- Households22,279
- Average household size2.46
- Median household income$66,025
- Median age40.2
- Median gross rent$856 per month
- Median owner-occupied home value$154,700
- Home value to household income2.3 times
- Annual rent as a share of median income15.6 percent
- Adults 25 and over with a bachelor degree or higher20.6 percent
- Adults 25 and over with a graduate degree7.6 percent
- Adults 25 and over37,157
- Population under 1811,728
- Share under 1821.4 percent
- Population 65 and over10,538
- Share 65 and over19.2 percent
- Working age population, 18 to 6432,504
- Civilian labor force27,536
- Unemployment rate3.6 percent
- Labor force participation, adults 18 and over64.0 percent
- Rank by population among Ohio counties47th of 88
- Rank by population among US county-equivalents, Puerto Rico included950th of 3,222
Seneca County is the 47th largest of 88 Ohio counties by population. A median home costs 2.3 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 21.4 percent against 19.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Seneca County
Is Seneca County's population growing?
- Population, July 1, 202454,730
- Census 2020 base population55,076
- Population change since the 2020 census base-0.63 percent
- Population change, 2023 to 2024102
- Births, 2024593
- Deaths, 2024612
- Natural change, 2024-19
- Net domestic migration, 2024-11
- Net international migration, 2024134
- Total net migration, 2024123
- Cumulative net domestic migration, 2021 to 2024-264
- Rank by growth among US county-equivalents2066th of 3,144
The county has lost 0.63 percent of its population since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration 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.
Seneca County
Where are people moving to Seneca County from?
- Tax returns filed by households arriving1,073
- People arriving, from those returns1,847
- Tax returns filed by households leaving1,318
- Net household movement-245
- Adjusted gross income arriving$51.2 m
- Net adjusted gross income movement$-7.0 m
- Average income of an arriving household$47,698
- Average income of a leaving household$44,125
- Largest single originHancock County (193 households)
- Largest single destinationHancock County (261 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Hancock County | 193 | 369 | $9.8 m |
| Sandusky County | 170 | 306 | $6.3 m |
| Wood County | 104 | 179 | $4.2 m |
| Wyandot County | 65 | 99 | $2.7 m |
| Huron County | 58 | 100 | $4.0 m |
| Franklin County | 45 | 70 | $2.3 m |
| Lucas County | 43 | 67 | $1.2 m |
| Ottawa County | 26 | 44 | $1.2 m |
Households arriving report $3,573 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 Hancock 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.
Seneca County
What is the Seneca County economy?
- County GDP, 2024$2.75 bn
- County GDP, 2023$2.71 bn
- GDP change, 2023 to 20241.5 percent
- GDP change over five years30.2 percent
- Rank by GDP among the Ohio areas BEA publishes53rd of 88
- Rank by GDP among the US county areas BEA publishes1042nd of 3,127
- GDP per resident$50,271
Output grew 1.5 percent in the latest year and 30.2 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.
Seneca County
Employment by industry in Seneca County
- Covered employment, annual average19,092
- Establishments reporting1,256
- Average annual pay$49,201
- Average weekly wage$946
- Manufacturing, employment4,507
- Manufacturing, average annual pay$65,620
- Health care and social assistance, employment2,310
- Health care and social assistance, average annual pay$47,888
- Retail trade, employment2,228
- Retail trade, average annual pay$33,098
- Accommodation and food services, employment2,078
- Accommodation and food services, average annual pay$17,207
- Construction, employment845
- Educational services, employment750
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 4,507 | 76 | $65,620 |
| Health care and social assistance | 2,310 | 170 | $47,888 |
| Retail trade | 2,228 | 153 | $33,098 |
| Accommodation and food services | 2,078 | 112 | $17,207 |
| Construction | 845 | 106 | $69,588 |
| Educational services | 750 | 14 | $43,224 |
| Wholesale trade | 620 | 57 | $61,033 |
| Other services, except public administration | 608 | 106 | $27,382 |
Manufacturing is the largest private sector at 4,507 jobs, 23.6 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Seneca County
How many businesses are in Seneca County?
- Establishments, all industries1,053
- Employment at those establishments16,258
- Annual payroll$724.8 m
- Establishments per 1,000 residents19.2
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.
Seneca County
Building permits in Seneca County
- Housing units authorized by permit, 202443
- Declared construction value permitted$11.3 m
- Single family units authorized39
- Multifamily units authorized4
- Multifamily share of units9.3 percent
- Average declared value per unit$263,301
- Units authorized per 1,000 households1.9
Single-family homes are 90.7 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Seneca County
SBA loans in Seneca County (7(a) and 504)
- 7(a) approvals recorded67
- 7(a) gross approval dollars$17.4 m
- Average 7(a) approval$259,709
- Median 7(a) approval$100,000
- 10th percentile approval$24,280
- 90th percentile approval$613,000
- Largest single approval$2,135,400
- Jobs reported supported, 7(a)485
- Jobs per approval7.2
- Distinct 7(a) lenders active20
- Distinct industries receiving approvals38
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer14.9 percent
- Loans on real estate terms10
- Loans on working capital terms, 120 months or shorter56
- Franchise loans6
- Franchise share of approvals9.0 percent
- Leading industry by approval countGeneral Freight Trucking, Long-Distance, Truckload (8)
- Most active lenderThe Huntington National Bank (22)
- 504 approvals recorded17
- 504 gross approval dollars$7.3 m
- Average 504 approval$429,706
- Median 504 approval$279,000
- Distinct CDCs active4
- 504 jobs per approval6.3
- 504 jobs per million dollars approved14.6
- Most active CDCNorthwest Ohio Development Assistance Corporation (6)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$24.7 m
The average approval of $259,709 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 14.9 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.
Seneca County
SBA loan default and charge-off rates in Seneca County
Do SBA loans in Seneca County get paid back?
- Loans with a final outcome recorded20
- Paid in full20
- Charged off0
- Status: Exempt from disclosure40
- Status: Cancelled5
- Status: Paid in full20
- Status: Committed, not yet disbursed2
Only 20 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.
Seneca County
SBA lending by place in Seneca County
- Borrower cities with recorded lending9
- Tiffin, approvals39
- Fostoria, approvals18
- Kansas, approvals2
- Attica, approvals2
- Green Springs, approvals2
- New Riegel, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Tiffin | 39 | $9,995,300 |
| Fostoria | 18 | $5,653,100 |
| Kansas | 2 | $655,000 |
| Attica | 2 | $498,000 |
| Green Springs | 2 | $123,900 |
| New Riegel | 1 | $250,000 |
| Clyde | 1 | $113,200 |
| Bloomville | 1 | $77,000 |
| 1 other borrower city | 1 | $35,000 |
Tiffin accounts for 39 approvals against 18 in Fostoria. 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.
Seneca County
How large is Seneca County?
- Land area551 sq mi
- Rank by land area among Ohio counties16th of 88
- Width, east to west30.8 mi
- Height, north to south18.2 mi
- Geographies sharing a boundary6
- Residents per square mile of land99
- Establishments per square mile1.91
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.
Seneca County
Flood risk in Seneca County
- Participation of the county's own NFIP community Seneca County, unincorporated areasParticipating, community 390779
- Communities in the county in the NFIP Community Status Book6
- Of those, participating in the NFIP5
- NFIP participation rate83.3 percent
- Communities carrying a CRS class0
- Radon levels in Seneca 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 Seneca County (community 390779), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Seneca 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. 83.3 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 Seneca 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 Seneca County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202454,770
- Households22,279
- Average household size2.46
- Median household income$66,025
- Median age40.2
Common questions
Seneca County questions, answered from the record.
How many people live in Seneca County, Ohio?
The Census Bureau estimates 54,730 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 54,770, in 22,279 households, ranking 47th of 88 Ohio counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Seneca County's population growing?
The population has fallen 0.63 percent since the 2020 census base of 55,076, to 54,730 on July 1, 2024. In 2024 there were 593 births against 612 deaths, with net migration of 123. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Seneca County?
$66,025. The median owner-occupied home is valued at $154,700, which is 2.3 times income, and median gross rent is $856 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Seneca County?
1,053 establishments, employing 16,258 people with an annual payroll of $724.8 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 Seneca County?
Manufacturing is the largest private sector at 4,507 jobs, 23.6 percent of covered employment. Covered employment averages 19,092 jobs at an average annual pay of $49,201, or $946 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Seneca County?
67 7(a) approvals totaling $17.4 m since FY2020, across 20 lenders, with a median approval of $100,000, plus 17 504 approvals worth $7.3 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Seneca County?
43 housing units were authorized by permit in 2024, with a declared construction value of $11.3 m. Multifamily was 9.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Seneca 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 Seneca County come from?
The largest single origin is Hancock County, with 193 households. Arriving households report an average income of $47,698 against $44,125 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Seneca 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 Seneca 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.
Seneca County
Cities and places in Seneca.
15 Census places lie wholly or partly in Seneca County. All 15 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 |
|---|---|---|---|---|
| Tiffin | city | 17,818 | 39 | Wholly in this county |
| Fostoria | city | 12,344 | 18 | 66.5 percent here, 23.3 percent Hancock County, 10.2 percent Wood County |
| Green Springs | village | 1,170 | 2 | 50.0 percent here, 50.0 percent Sandusky County |
| Attica | village | 755 | 2 | Wholly in this county |
| Bloomville | village | 721 | 1 | Wholly in this county |
| Bettsville | village | 562 | None recorded | Wholly in this county |
| Republic | village | 456 | None recorded | Wholly in this county |
| McCutchenville | CDP | 346 | None recorded | 59.2 percent here, 40.8 percent Wyandot County |
| Flat Rock | CDP | 340 | None recorded | Wholly in this county |
| New Riegel | village | 316 | 1 | Wholly in this county |
| Bascom | CDP | 298 | None recorded | Wholly in this county |
| Kansas | CDP | 200 | 2 | Wholly in this county |
| Fort Seneca | CDP | 113 | None recorded | Wholly in this county |
| Melmore | CDP | 112 | None recorded | Wholly in this county |
| Old Fort | CDP | 81 | None recorded | Wholly in this county |
A further 2 of the county's 67 SBA 7(a) approvals are to borrowers in cities that match no Census place in Seneca County, the largest being Clyde (1), Carey (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