Warren County, Ohio: commercial real estate data.
Warren County, Ohio had an estimated 256,059 residents on July 1, 2024, up 5.7 percent since the 2020 census base of 242,348, across 401 square miles. County output reached $18.76 bn in 2024, 4,826 establishments operate here, and the SBA record carries 475 7(a) approvals worth $192.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Warren County
How many people live in Warren County
- Population, American Community Survey 2020-2024250,008
- Households92,052
- Average household size2.72
- Median household income$110,132
- Median age40.1
- Median gross rent$1,361 per month
- Median owner-occupied home value$349,400
- Home value to household income3.2 times
- Annual rent as a share of median income14.8 percent
- Adults 25 and over with a bachelor degree or higher45.6 percent
- Adults 25 and over with a graduate degree18.4 percent
- Adults 25 and over170,768
- Population under 1859,471
- Share under 1823.8 percent
- Population 65 and over39,428
- Share 65 and over15.8 percent
- Working age population, 18 to 64151,109
- Civilian labor force130,908
- Unemployment rate3.1 percent
- Labor force participation, adults 18 and over68.7 percent
- Rank by population among Ohio counties10th of 88
- Rank by population among US county-equivalents, Puerto Rico included288th of 3,222
Warren County is the 10th largest of 88 Ohio counties by population. A median home costs 3.2 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 23.8 percent against 15.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Warren County
Is Warren County's population growing?
- Population, July 1, 2024256,059
- Census 2020 base population242,348
- Population change since the 2020 census base5.66 percent
- Population change, 2023 to 20242,480
- Births, 20242,424
- Deaths, 20242,097
- Natural change, 2024327
- Net domestic migration, 202414
- Net international migration, 20242,142
- Total net migration, 20242,156
- Cumulative net domestic migration, 2021 to 20246,680
- Rank by growth among US county-equivalents449th of 3,144
The county has grown 5.66 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.
Warren County
Where are people moving to Warren County from?
- Tax returns filed by households arriving8,239
- People arriving, from those returns15,615
- Tax returns filed by households leaving7,664
- Net household movement575
- Adjusted gross income arriving$803.8 m
- Net adjusted gross income movement$82.4 m
- Average income of an arriving household$97,565
- Average income of a leaving household$94,131
- Largest single originButler County (1,580 households)
- Largest single destinationButler County (1,264 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Butler County | 1,580 | 2,989 | $118.1 m |
| Hamilton County | 1,546 | 2,871 | $136.9 m |
| Montgomery County | 1,099 | 2,006 | $88.9 m |
| Clermont County | 490 | 899 | $38.0 m |
| Greene County | 219 | 371 | $18.6 m |
| Franklin County | 175 | 273 | $14.3 m |
| Clinton County | 157 | 285 | $7.3 m |
| Kings County | 92 | 292 | $4.5 m |
Households arriving report $3,434 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 Butler 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.
Warren County
What is the Warren County economy?
- County GDP, 2024$18.76 bn
- County GDP, 2023$17.59 bn
- GDP change, 2023 to 20246.7 percent
- GDP change over five years45.1 percent
- Rank by GDP among the Ohio areas BEA publishes10th of 88
- Rank by GDP among the US county areas BEA publishes275th of 3,127
- GDP per resident$75,045
Output grew 6.7 percent in the latest year and 45.1 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.
Warren County
Employment by industry in Warren County
- Covered employment, annual average100,746
- Establishments reporting6,527
- Average annual pay$69,570
- Average weekly wage$1,338
- Manufacturing, employment13,218
- Manufacturing, average annual pay$75,713
- Health care and social assistance, employment12,776
- Health care and social assistance, average annual pay$57,343
- Retail trade, employment11,200
- Retail trade, average annual pay$39,249
- Accommodation and food services, employment9,708
- Accommodation and food services, average annual pay$23,056
- Management of companies and enterprises, employment7,547
- Professional, scientific and technical services, employment5,392
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 13,218 | 284 | $75,713 |
| Health care and social assistance | 12,776 | 712 | $57,343 |
| Retail trade | 11,200 | 619 | $39,249 |
| Accommodation and food services | 9,708 | 472 | $23,056 |
| Management of companies and enterprises | 7,547 | 53 | $175,707 |
| Professional, scientific and technical services | 5,392 | 1,096 | $91,922 |
| Arts, entertainment and recreation | 4,503 | 79 | $24,073 |
| Construction | 4,464 | 449 | $81,693 |
Manufacturing is the largest private sector at 13,218 jobs, 13.1 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Warren County
How many businesses are in Warren County?
- Establishments, all industries4,826
- Employment at those establishments82,752
- Annual payroll$5.10 bn
- Establishments per 1,000 residents19.3
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.
Warren County
Building permits in Warren County
- Housing units authorized by permit, 20241,232
- Declared construction value permitted$246.1 m
- Single family units authorized693
- Multifamily units authorized539
- Multifamily share of units43.8 percent
- Average declared value per unit$199,770
- Units authorized per 1,000 households13.4
Multifamily is 43.8 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Warren County
SBA loans in Warren County (7(a) and 504)
- 7(a) approvals recorded475
- 7(a) gross approval dollars$192.3 m
- Average 7(a) approval$404,793
- Median 7(a) approval$130,000
- 10th percentile approval$25,000
- 90th percentile approval$1,116,180
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)4,088
- Jobs per approval8.6
- Distinct 7(a) lenders active61
- Distinct industries receiving approvals137
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer7.4 percent
- Loans on real estate terms35
- Loans on working capital terms, 120 months or shorter418
- Franchise loans76
- Franchise share of approvals16.0 percent
- Leading industry by approval countGeneral Freight Trucking, Long-Distance, Truckload (79)
- Most active lenderThe Huntington National Bank (255)
- 504 approvals recorded95
- 504 gross approval dollars$66.4 m
- Average 504 approval$698,495
- Median 504 approval$363,000
- Distinct CDCs active6
- 504 jobs per approval10.2
- 504 jobs per million dollars approved14.6
- Most active CDCAlloy Development Co., Inc. (73)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$258.6 m
The average approval of $404,793 sits well above the median of $130,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 7.4 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.
Warren County
SBA loan default and charge-off rates in Warren County
Do SBA loans in Warren County get paid back?
- Loans with a final outcome recorded113
- Paid in full106
- Charged off7
- Charge-off rate on resolved loans6.2 percent
- Status: Paid in full106
- Status: Exempt from disclosure289
- Status: Cancelled43
- Status: Charged off7
- Status: Committed, not yet disbursed30
Of the 113 loans that have reached a final outcome, 6.2 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.
Warren County
SBA lending by place in Warren County
- Borrower cities with recorded lending26
- Mason, approvals160
- Lebanon, approvals80
- Maineville, approvals63
- Springboro, approvals50
- Franklin, approvals38
- Morrow, approvals21
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Mason | 160 | $85,344,900 |
| Lebanon | 80 | $22,816,800 |
| Maineville | 63 | $17,482,000 |
| Springboro | 50 | $21,501,200 |
| Franklin | 38 | $20,052,600 |
| Morrow | 21 | $4,757,300 |
| Waynesville | 19 | $3,640,200 |
| Middletown | 7 | $3,928,300 |
| 18 other borrower cities | 37 | $12,753,600 |
Mason accounts for 160 approvals against 80 in Lebanon. 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.
Warren County
How large is Warren County?
- Land area401 sq mi
- Rank by land area among Ohio counties80th of 88
- Width, east to west20.7 mi
- Height, north to south23.1 mi
- Geographies sharing a boundary6
- Residents per square mile of land623
- Establishments per square mile12.03
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.
Warren County
Flood risk in Warren County
- Participation of the county's own NFIP community Warren County, unincorporated areasParticipating, community 390757
- Communities in the county in the NFIP Community Status Book16
- Of those, participating in the NFIP12
- NFIP participation rate75.0 percent
- Communities carrying a CRS class0
- Radon levels in Warren 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 Warren County (community 390757), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Warren 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. 75.0 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 Warren 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 Warren County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024250,008
- Households92,052
- Average household size2.72
- Median household income$110,132
- Median age40.1
Common questions
Warren County questions, answered from the record.
How many people live in Warren County, Ohio?
The Census Bureau estimates 256,059 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 250,008, in 92,052 households, ranking 10th of 88 Ohio counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Warren County's population growing?
The population has grown 5.66 percent since the 2020 census base of 242,348, to 256,059 on July 1, 2024. In 2024 there were 2,424 births against 2,097 deaths, with net migration of 2,156. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Warren County?
$110,132. The median owner-occupied home is valued at $349,400, which is 3.2 times income, and median gross rent is $1,361 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Warren County?
4,826 establishments, employing 82,752 people with an annual payroll of $5.10 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 Warren County?
Manufacturing is the largest private sector at 13,218 jobs, 13.1 percent of covered employment. Covered employment averages 100,746 jobs at an average annual pay of $69,570, or $1,338 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Warren County?
475 7(a) approvals totaling $192.3 m since FY2020, across 61 lenders, with a median approval of $130,000, plus 95 504 approvals worth $66.4 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Warren County get paid back?
Of the 113 loans that have reached a final outcome, 106 were paid in full and 7 charged off, a charge-off rate of 6.2 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Warren County?
1,232 housing units were authorized by permit in 2024, with a declared construction value of $246.1 m. Multifamily was 43.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Warren 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 Warren County come from?
The largest single origin is Butler County, with 1,580 households. Arriving households report an average income of $97,565 against $94,131 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Warren 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 Warren 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.
Warren County
Cities and places in Warren.
22 Census places lie wholly or partly in Warren County. All 22 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 |
|---|---|---|---|---|
| Middletown | city | 51,617 | 7 | 15.4 percent here, 84.6 percent Butler County |
| Mason | city | 35,509 | 160 | Wholly in this county |
| Lebanon | city | 21,501 | 80 | Wholly in this county |
| Springboro | city | 19,980 | 50 | 94.1 percent here, 5.9 percent Montgomery County |
| Monroe | city | 15,401 | None recorded | 28.4 percent here, 71.6 percent Butler County |
| Loveland | city | 13,197 | 3 | 10.1 percent here, 61.7 percent Hamilton County, 28.2 percent Clermont County |
| Franklin | city | 11,712 | 38 | Wholly in this county |
| Landen | CDP | 7,499 | None recorded | Wholly in this county |
| South Lebanon | village | 6,712 | 7 | Wholly in this county |
| Carlisle | city | 5,543 | 1 | 84.1 percent here, 15.9 percent Montgomery County |
| Hunter | CDP | 3,551 | None recorded | Wholly in this county |
| Waynesville | village | 2,777 | 19 | Wholly in this county |
| Morrow | village | 2,523 | 21 | Wholly in this county |
| Maineville | village | 2,070 | 63 | Wholly in this county |
| Five Points | CDP | 2,031 | None recorded | Wholly in this county |
| Loveland Park | CDP | 1,700 | None recorded | 69.2 percent here, 30.8 percent Hamilton County |
| Kings Mills | CDP | 1,175 | None recorded | Wholly in this county |
| Harveysburg | village | 837 | 3 | Wholly in this county |
| Corwin | village | 753 | None recorded | Wholly in this county |
| Roachester | CDP | 351 | None recorded | Wholly in this county |
| Pleasant Plain | village | 190 | 2 | Wholly in this county |
| Butlerville | village | 178 | None recorded | Wholly in this county |
A further 21 of the county's 475 SBA 7(a) approvals are to borrowers in cities that match no Census place in Warren County, the largest being Dayton (4), Mainville (3), Amelia (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