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Monroe County, IN — Restaurants Saturation

How many restaurants exist per person present — residents plus daytime workers — by ZIP code, compared with the U.S. average. Establishment data: Census ZBP 2023. Population: ACS 2024 5-year. 11 ZIP codes analyzed.

Includes: Sit-down restaurants with table service. Counted together because official statistics use one 722511 code.

Measured density: Above average — 1.18× the U.S. rate (between 1.18× and 1.28× once withheld ZIP cells are counted)

Why a range: Census does not publish a ZIP-by-industry count when that ZIP has 0–2 businesses. 7 ZIP cells in this county are withheld, 5 of them with residents. Each could hold 0, 1, or 2 businesses: counting them all as 0 gives the low end, counting them all as 2 gives the high end — the data cannot say where the truth sits. The density range uses only the populated cells, since ZIPs without residents are excluded from per-person rates. How ranges work

Above the U.S. rate   Monroe County restaurants — 118–128% of the U.S. rate

125 restaurants are counted in Monroe County — 7.6 per 10,000 people present (residents + daytime workers), 118% of the U.S. rate of 6.4.

On the comparable ZIP set (ZIPs with a published count in every year), the total has fallen 9% between 2015 and 2023 (137 → 125). That set is smaller than today's county total. 2020–2021 were pandemic-distorted, and Census rounds counts, so small moves are within noise.

Measured supply density is highest in 47408 (Bloomington), 47404 (Bloomington), 47401 (Bloomington) — well above the national rate. On measured density alone, the lowest-density residential ZIPs with a published count are 47403 (Bloomington), 47401 (Bloomington), 47404 (Bloomington).

BLS QCEW puts the latest county-wide count (2026 Q1) at 125 establishments, the freshest available signal.

Measured density: Monroe County sits at 118% of the U.S. rate for restaurants. 5 ZIPs with population have no published count (each 0–2 businesses), so the true per-capita rate is between 118% and 128% of the U.S. rate. Why. The highest measured density is in 47408 and 47404; the lowest measured density is in 47403 and 47401.

This is a supply-side read: it counts existing restaurants and the people present, not foot traffic, income, rent, or whether locals want more. Treat low density as a question to check, not an answer.

Restaurants
125–139
published count; upper bound counts each withheld ZIP cell as 2 (7 cells) (2023)
Per 10,000 present
7.6
residents + daytime workers
U.S. average
6.4
per 10,000 present
County index
1.18×
vs. U.S.
Latest quarter (QCEW)
125
2026 Q1 — county total
Residents
139,244
9 ZIPs with data
Workers
52,277
jobs located in county

Is the area growing?

Population
140,702
Census PEP, July 1 2024
Change since 2020
+0.0%
+57 people
Net migration 2024
−198
international +1,577, domestic −1,775
Jobs located here
65,088
LODES 2022, +0.8% since 2019

Monroe County had an estimated 140,702 residents on July 1, 2024 — 0.0% more than in 2020 (+57). In the latest year it lost 350 people: births minus deaths −159, international migration +1,577, domestic migration −1,775. Components are published separately and may not sum exactly.

65,088 jobs were located in the county in 2022 (+0.8% since 2019), and 51,497 employed residents lived there (−3.5% since 2019). LODES counts wage and salary jobs covered by unemployment insurance plus federal jobs; it excludes the self-employed and military, and counts jobs rather than unique people. 2019→2022 spans the pandemic, so read it as one change, not a trend.

Population and migration say whether the customer base is growing. They do not say whether people want another business of this type. Definitions and limits →  ·  Full county detail →

ZIP gaining residents
2015–19 → 2020–24
Change
47406 Bloomington
+108.1%
ZIP losing residents
2015–19 → 2020–24
Change
47429 Ellettsville
−20.2%
47408 Bloomington
−10.7%

ACS 5-year estimates for 2015–2019 and 2020–2024. Only ZIPs with at least 2,000 residents in both windows and a change larger than the survey margin of error (90%) are listed — small ZIPs move a lot on paper without a real signal.

Nonemployer businesses (no paid employees)

Nonemployer businesses
13
no paid employees (2024)
Receipts
$698K
published gross receipts
Receipts per business
$54K
gross, not profit

Census Nonemployer Statistics counts businesses with no paid employees — a separate universe from the employer establishments counted above; a business is in one or the other, never both. They are not storefronts by definition: many are home-based, mobile, or part-time.

We show them beside the density index, not inside it. In categories such as nail and beauty salons, child care, and pet care, one-person businesses can outnumber employer establishments, so the employer-only count understates how many businesses exist. That is not evidence of higher demand.

Receipts are gross revenue reported for these businesses — not profit, and not the size of the local market. Census publishes this only at county level, so it is not shown on the ZIP map. See methodology.

Saturation map

Each ZIP area is shaded by its density of this business type per person present (residents + workers) vs. the U.S. average. Click any ZIP to zoom to its boundary, see its numbers, and switch to aerial imagery. Individual mapped shops appear as dots at street level — Show locations zooms you in to them (scroll or double-click to zoom).

Basemap:
Under 50% 50–100% 100–150% 150–250% 250%+ 0–2 (not published) / no data ZIP total (dot size) Mapped shop (OpenStreetMap, street level)

Map data © OpenStreetMap contributors, tiles by OpenFreeMap.

White dots are ZIP totals from the official Census count — the bigger the dot, the more restaurants in that ZIP. They are aggregated, not individual shops. Turquoise dots are individual locations mapped in OpenStreetMap, shown only at street level; they are crowd-sourced and indicative, may be incomplete, and do not equal the official counts. Only the official ZIP totals feed the saturation index.

Market trend — down 9% since 2015

Number of restaurants in Monroe County across 2015–2023, on a consistent set of ZIP codes present in every year — so changes are real, not ZIP-boundary artifacts. 2015/2018 are pre-pandemic baselines; 2020/2021 are COVID-distorted.

137
2015
136
2018
133
2020
130
2021
125
2022
125
2023

Highest measured density

ZIP
vs. U.S. average
Index
47408 Bloomington
222%
47404 Bloomington
196%
47401 Bloomington
156%
47403 Bloomington
21%

Lowest measured density

ZIP
vs. U.S. average
Index
47403 Bloomington
21%
47401 Bloomington
156%
47404 Bloomington
196%
47408 Bloomington
222%
Low measured density is not evidence of opportunity. A ZIP with few restaurants may simply lack foot traffic, retail space, or demand. We rank only residential and mixed ZIPs here; employment hubs and visitor destinations are listed separately below. ZIPs where Census did not publish a count (0–2 businesses) are not ranked: they may be the least served of all, but the data cannot tell 0 from 1 or 2. Verify those locally.

All ZIP codes

Click a column header to sort. Index = restaurants per 10,000 people present (residents + 0.5×workers) ÷ the U.S. average. 100% = exactly average.

ZIPNeighborhood ResidentsWorkersRestaurants Per 10kIndexStatus
47408Bloomington 23,0533,327 35 14.2 222% High density
47404Bloomington 22,74413,536 37 12.5 196% High density
47401Bloomington 40,60712,927 47 10.0 156% High density
47403Bloomington 34,39620,469 6 1.3 21% Far below average
47402Bloomington —1,230 0–2 — — Not published
47405Bloomington 1,237104 0–2 — — Not published
47406Bloomington 8,208144 0–2 — — Not published
47407Bloomington —121 0–2 — — Not published
47429Ellettsville 7,3991,621 0–2 — — Not published
47464Stinesville 29742 0–2 — — Not published
47468Unionville 1,303107 0–2 — — Not published

Scroll the table sideways to see all columns.

Find an actual space in Bloomington

The numbers above tell you how the market looks. To find a specific storefront, these marketplaces list available retail space for lease.

LoopNet
Largest commercial marketplace
Browse Bloomington retail space →
Crexi
Free listings + market data
Browse Bloomington retail space →
CityFeet
Retail space for lease
Browse Bloomington retail space →

Open vacancy data (actual empty units) is only published by some cities; where it exists we show it directly. Listings above are third-party.

Census withholds some ZIP-by-industry cells to protect small businesses. 0–2 means the cell was not published (Census publishes industry counts only at 3+ per ZIP), so the ZIP is left unranked rather than counted as zero. ~ means the count is estimated from the broader industry group and can be off by a business or two.

Follow Monroe County and restaurants

When a data vintage changes or a section of this report is revised, we post it to a public update feed. No email address, no account, no tracking — and nothing is sent unless something actually changed.

Subscribe to updates (RSS) How these numbers are built →

Methodology & sources

Establishments. U.S. Census ZIP Code Business Patterns (ZBP 2023), NAICS 722511 — full-service restaurants. Counts establishments with paid employees. ZBP is published annually with a ~2-year lag.

Fresh county signal. BLS QCEW (quarterly) is newer than ZBP — 2026 Q1 shows 125 establishments county-wide for this industry. It cannot be broken down by ZIP.

Population. U.S. Census American Community Survey 2024 5-year ZCTA population (table B01003). Workers are the ZIP's total employment from the same 2023 ZBP file.

Demand ("people present"). Demand comes from residents and daytime workers: residents + 0.5 × workers. This is the single documented assumption in the model and can be tuned.

Index. index = (ZIP establishments ÷ ZIP demand × 10,000) ÷ the U.S. average for this industry (6.39 per 10,000 present). It is a supply-side density measure; it does not capture income, rent, tourism, or whether locals actually want more.

Read the full methodology →  ·  Data sources & vintages →

BizGapMap — free, no-login small-business saturation reports for major U.S. counties. Built entirely from public U.S. Census, BLS, and IRS data (ZBP 2023, ACS 2024 5-year, PEP 2024, LODES, QCEW, IRS SOI). No forecasts, no revenue guesses — withheld cells are marked, and the few derived counts are labelled as estimates.