Loveland: Economy & Jobs
Loveland's typical household earns $94,323 (1.3× higher than Hamilton County median $72,470; 1.3× higher than Ohio median $71,389), with homes at a median value of $321,300. The surrounding county supports 62,149 jobs (avg $57,779).
- $82,154 avg taxable income per return — similar than the median household income (vs Ohio $78,408).
Income & Affordability
Median household income $94,323 — above the Ohio median ($66,082). Poverty rate 7.8% (U.S. average ~12.5%). 33% of renters spend more than half their income on rent ("severely cost-burdened" by HUD definition; U.S. ~24%).
| Affordability · Home Price To Income | 3.4× |
|---|---|
| Affordability · Home Affordability | moderate |
| Affordability · Rent Pct Income | 14.9% |
| Affordability · Rent Affordability | affordable |
| Affordability · Pct Severely Rent Burdened | 33.3% |
| Affordability · Poverty Rate | 7.8% |
| Affordability · Property Tax Pct Income | 5.1% |
| Irs Income · IRS tax returns filed | $102,930 |
| Irs Income · Total Adjusted Gross Income (thousands) | $8,456,072 |
| Irs Income · Average AGI per return | $82,154 (vs Ohio $78,408) |
| Irs Income · Year | 2022 |
| Income Estimate | $98,902 |
| Median Household Income | $94,323 (vs Ohio $66,082) |
| Poverty Rate | 7.8% |
Sources: IRS SOI 2022 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Economic Character
Qualitative classification derived from Census occupation, industry, and income data — workforce composition (white-collar/blue-collar), top employing sector, and income tier.
| Economic Character · Workforce | white_collar |
|---|---|
| Economic Character · Top Industry | Education Healthcare |
| Economic Character · Income Level | upper-middle |
| Economic Character · Median Income | $94,323 |
Employment & Workforce
Employment + workforce stats. The county-level employment count covers all jobs within the county, not just town residents. Unemployment rate 2.0% — below the U.S. average of ~4%. 17% work from home (U.S. average ~15%).
| Commuter Profile · Mean Commute Min | 26.00 |
|---|---|
| Commuter Profile · Work From Home Pct | 17.2% |
| Commuter Profile · Profile | moderate commute |
| Employment · Avg annual employment (county) | 62,149 |
| Employment · Total annual wages (county) | $3,590,901,360 |
| Employment · Average annual pay | $57,779 |
| Employment · Year | 2024 |
| State Occupation Wages · Year | 2023 |
| State Occupation Wages · All Occupations · Soc Code | 00-0000 |
| State Occupation Wages · All Occupations · Title | All Occupations |
| State Occupation Wages · All Occupations · Employment | 5,469,160 |
| Unemployment Rate | 2.0% (vs Ohio 3.4%) |
Sources: BLS QCEW 2023 · BLS Occupational Employment and Wage Statistics (OES) · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Industry Sectors
Major industries by establishment count from Census County Business Patterns (2022). Sectors are NAICS-coded; counts are county-wide employer establishments.
| Agriculture · Total Farms | 132 |
|---|---|
| Agriculture · Land In Farms Acres | 3,233 |
| Agriculture · Avg Farm Size Acres | 24.50 |
| Agriculture · Top Commodities | Crop Totals, Grain, Soybeans, Corn, Equine |
| Agriculture · Year | 2022 |
| Business Patterns · Establishments (employer count) | 3,712 |
| Business Patterns · Total Employees | 52,223 |
| Business Patterns · Annual Payroll Thousands | 2,558,993 |
| Business Patterns · Year | 2022 |
Sources: USDA NASS Census 2022 — county FIPS matched · Census CBP API — county FIPS match
Local Business Mix
Retail and service businesses by category (Census CBP NAICS-coded). Counts cover the surrounding county, not just the town. Reflects the everyday commercial mix residents can access.
| Local Businesses · Grocery Stores | 24 |
|---|---|
| Local Businesses · Convenience Stores | 17 |
| Local Businesses · Liquor Stores | 5 |
| Local Businesses · Gas Stations | 62 |
| Local Businesses · Department Stores | 4 |
| Local Businesses · General Merchandise | 38 |
| Local Businesses · Clothing Stores | 11 |
| Local Businesses · Pet Stores | 6 |
Sources: Census CBP — NAICS detail codes
Dining Scene
Eating + drinking establishments by NAICS category (Census CBP 2022) — full-service restaurants, fast-food, bars, coffee shops. County-level counts.
| Dining Scene · Full Service Restaurants | 120 |
|---|---|
| Dining Scene · Fast Food | 160 |
| Dining Scene · Bars | 15 |
| Dining Scene · Coffee Snacks | 29 |
Sources: Census CBP NAICS 722
Banking
FDIC-insured bank branches with addresses. Branch density correlates with population — fewer branches per resident in lower-density areas.
Branches (12)
SNAP & Food Access
USDA-authorized SNAP retailers — supermarkets, super stores, convenience stores, and other locations where SNAP benefits can be redeemed. Per-1K density tracks food access.
Sample (5)
| Nearest Snap · Name | United Dairy Farmers 136 |
|---|---|
| Nearest Snap · Total In Area | 26 |
Chamber of Commerce
IRS-registered chamber of commerce organizations matched to this town. Reflects the IRS Exempt Organizations BMF; some chambers operate informally and may not appear here.
| Chamber Of Commerce · Name | LOVELAND CHAMBER OF COMMERCE |
|---|
Sources: IRS EO BMF · Refreshed 2026-04-12
Spending & Tax
Federal spending flowing to the surrounding county — direct payments, grants, contracts, loans (USAspending.gov).
| Federal Spending · Federal Spending Fy2024 | $1,413,690,602 |
|---|---|
| Federal Spending · Per Capita | 6,777.01 (at Ohio median) |
| Federal Spending · Population | 208,601 people (vs Ohio 29,269) |
Sources: USAspending API
Other
| Pct Drove Alone | 74.5% |
|---|---|
| Pct Public Transit | 1.9% |
| Pct Walked | 17.2% |
| Retirement Score · Median age | 39.7 years (vs Ohio 38.1y) |
| Retirement Score · Ss Household Pct | 27.4% |
| Retirement Score · Hospitals Nearby | 1 |
| Retirement Score · Va Access | Yes |
| Retirement Score · Factors | hospital access, VA nearby |
| Retirement Score · Rating | fair |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12