Adams County, Illinois: commercial real estate data.
Adams County, Illinois has a population of 64,754 across 855 square miles, down 2.5 percent since the 2020 census base. County output reached $4.66 bn in 2024, 1,787 establishments operate here, and the SBA record carries 30 7(a) approvals worth $12.2 m.
125 sourced county values · tier FULL · 12 sections
Adams County
How many people live in Adams County
- Population64,754
- Households27,915
- Average household size2.32
- Median household income$66,220
- Median age41.4
- Median gross rent$828 per month
- Median owner-occupied home value$162,600
- Home value to household income2.5 times
- Annual rent as a share of median income15.0 percent
- Adults 25 and over with a bachelor degree or higher27.5 percent
- Adults 25 and over with a graduate degree8.8 percent
- Adults 25 and over45,024
- Population under 1814,578
- Share under 1822.5 percent
- Population 65 and over13,317
- Share 65 and over20.6 percent
- Working age population, 18 to 6436,859
- Civilian labor force33,880
- Unemployment rate3.9 percent
- Labor force participation, adults 18 and over67.5 percent
- Rank by population among Illinois counties23rd of 102
- Rank by population among US county-equivalents854th
Adams County is the 23rd largest of 102 Illinois counties by population. A median home costs 2.5 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 22.5 percent against 20.6 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Adams County
Is Adams County growing
- Population change since the 2020 census base-2.48 percent
- Census 2020 base population65,736
- Births, 2024668
- Deaths, 2024764
- Natural change, 2024-96
- Net domestic migration, 2024-277
- Net international migration, 202447
- Total net migration, 2024-230
- Cumulative net domestic migration, 2021 to 2024-953
- Rank by growth among US county-equivalents2625th
The county has lost 2.48 percent of its population since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Adams County
Where people moving to Adams County come from
- Tax returns filed by households arriving1,038
- People arriving, from those returns1,844
- Adjusted gross income arriving$61.9 m
- Net adjusted gross income movement$0
- Average income of an arriving household$59,602
- Largest single originAdams County Non-migrants (25,838 households)
- Largest single destination (25,838 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Adams County Non-migrants | 25,838 | 51,699 | $2.22 bn |
| Other flows - Different State | 562 | 994 | $36.8 m |
| Other flows - Midwest | 279 | 478 | $15.9 m |
| Other flows - South | 164 | 302 | $11.8 m |
| Other flows - Same State | 156 | 275 | $10.4 m |
| Marion County | 87 | 148 | $4.0 m |
| Other flows - West | 84 | 151 | $5.6 m |
| Pike County | 57 | 104 | $2.7 m |
The largest single source of arrivals is Adams County Non-migrants, 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.
Adams County
What the Adams County economy runs on
- County GDP, 2024$4.66 bn
- County GDP, 2023$4.52 bn
- GDP change, 2023 to 20243.1 percent
- GDP change over five years34.1 percent
- Rank by GDP among Illinois counties22nd
- Rank by GDP among US county-equivalents744th
- GDP per resident$71,982
Output grew 3.1 percent in the latest year and 34.1 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.
Adams County
Who employs people in Adams County
- Covered employment, annual average32,154
- Establishments reporting1,747
- Average annual pay$54,986
- Average weekly wage$1,057
- Sector 62, employment6,705
- Sector 62, average annual pay$71,854
- Sector 31-33, employment4,466
- Sector 31-33, average annual pay$69,555
- Sector 44-45, employment4,040
- Sector 44-45, average annual pay$35,220
- Sector 72, employment2,636
- Sector 72, average annual pay$21,593
- Sector 42, employment1,869
- Sector 52, employment1,511
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 6,705 | 146 | $71,854 |
| Sector 31-33 | 4,466 | 88 | $69,555 |
| Sector 44-45 | 4,040 | 223 | $35,220 |
| Sector 72 | 2,636 | 148 | $21,593 |
| Sector 42 | 1,869 | 100 | $61,758 |
| Sector 52 | 1,511 | 97 | $67,831 |
| Sector 23 | 1,256 | 220 | $62,774 |
| Sector 81 | 1,135 | 174 | $39,594 |
The largest sector is the biggest private employer group at 6,705 jobs, 20.9 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Adams County
What businesses operate in Adams County
- Establishments, all industries1,787
- Employment at those establishments31,699
- Annual payroll$1.76 bn
- Establishments per 1,000 residents27.6
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Adams County
What is being built in Adams County
- Housing units authorised by permit, 202469
- Declared construction value permitted$14.4 m
- Single family units authorised33
- Multifamily units authorised36
- Multifamily share of units52.2 percent
- Average declared value per unit$208,529
- Units authorised per 1,000 households2.5
Multifamily is 52.2 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Adams County
How much SBA lending happens in Adams County
- 7(a) approvals recorded30
- 7(a) gross approval dollars$12.2 m
- Average 7(a) approval$405,053
- Median 7(a) approval$198,000
- 10th percentile approval$27,000
- 90th percentile approval$744,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)341
- Jobs per approval11.4
- Distinct 7(a) lenders active11
- Distinct industries receiving approvals18
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer10.0 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter23
- Franchise loans3
- Franchise share of approvals10.0 percent
- Leading industry by approval countOther Miscellaneous Durable Goods Merchant Wholesalers (5)
- Most active lenderFirst Mid Bank & Trust, National Association (14)
- 504 approvals recorded15
- 504 gross approval dollars$10.9 m
- Average 504 approval$727,467
- Median 504 approval$332,000
- Distinct CDCs active3
- 504 jobs per approval7.0
- 504 jobs per million dollars approved9.6
- Most active CDCSomerCor 504, Inc. (9)
- 7(a) share of SBA approvals66.7 percent
- Combined SBA approval dollars$23.1 m
The average approval of $405,053 sits well above the median of $198,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 10.0 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.
Adams County
Do SBA loans in Adams County get paid back
- Loans with a final outcome recorded8
- Paid in full8
- Charged off0
- Status: Exempt from disclosure20
- Status: Cancelled2
- Status: Paid in full8
Too few loans have reached a final outcome to publish a charge off rate. only 8 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Adams County
Which parts of Adams County get the lending
- Places in the county with recorded lending5
- QUINCY, approvals24
- COATSBURG, approvals2
- CAMP POINT, approvals2
- Ursa, approvals1
- HULL, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| QUINCY | 24 | $11,350,100 |
| COATSBURG | 2 | $106,000 |
| CAMP POINT | 2 | $210,000 |
| Ursa | 1 | $210,500 |
| HULL | 1 | $275,000 |
QUINCY accounts for 24 approvals against 2 in COATSBURG. 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.
Adams County
How big is Adams County
- Land area855 sq mi
- Rank by land area among Illinois counties12th of 102
- Width, east to west31.9 mi
- Height, north to south30.7 mi
- Geographies sharing a boundary4
- Residents per square mile of land76
- Establishments per square mile2.09
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.
Adams County
What hazards affect Adams County
- EPA radon zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
- Communities in the NFIP Community Status Book3
- Of those, participating in the NFIP2
- NFIP participation rate66.7 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 8
- Communities carrying a CRS class1
The EPA places the county in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. The best Community Rating System class in the county is 8, which carries a flood insurance premium discount for properties in the participating community.
US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001. FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Adams 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 Adams County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population64,754
- Households27,915
- Average household size2.32
- Median household income$66,220
- Median age41.4
Common questions
Adams County questions, answered from the record.
How many people live in Adams County, Illinois?
64,754, in 27,915 households, ranking 23rd of 102 Illinois counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Adams County growing?
The population has fallen 2.48 percent since the 2020 census base. In 2024 there were 668 births against 764 deaths, with net migration of -230. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Adams County?
$66,220. The median owner-occupied home is valued at $162,600, which is 2.5 times income, and median gross rent is $828 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Adams County?
1,787 establishments, employing 31,699 people with an annual payroll of $1.76 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Adams County?
Average annual pay is $54,986, or $1,057 a week, across 32,154 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Adams County?
30 7(a) approvals totalling $12.2 m since FY2020, across 11 lenders, with a median approval of $198,000, plus 15 504 approvals worth $10.9 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Adams County?
69 housing units were authorised by permit in 2024, with a declared construction value of $14.4 m. Multifamily was 52.2 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Adams 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 Adams County come from?
The largest single origin is Adams County Non-migrants, with 25,838 households. Arriving households report an average income of $59,602 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Adams 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 Adams County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.