Cass County, Illinois: commercial real estate data.
Cass County, Illinois has a population of 12,784 across 376 square miles, down 2.5 percent since the 2020 census base. County output reached $883.5 m in 2024, 241 establishments operate here, and the SBA record carries 1 7(a) approvals worth $623,700.
105 sourced county values · tier FULL · 11 sections
Cass County
How many people live in Cass County
- Population12,784
- Households5,128
- Average household size2.49
- Median household income$68,125
- Median age38.3
- Median gross rent$723 per month
- Median owner-occupied home value$97,100
- Home value to household income1.4 times
- Annual rent as a share of median income12.7 percent
- Adults 25 and over with a bachelor degree or higher20.8 percent
- Adults 25 and over with a graduate degree6.0 percent
- Adults 25 and over8,657
- Population under 183,119
- Share under 1824.4 percent
- Population 65 and over2,307
- Share 65 and over18.0 percent
- Working age population, 18 to 647,358
- Civilian labor force5,869
- Unemployment rate4.2 percent
- Labor force participation, adults 18 and over60.7 percent
- Rank by population among Illinois counties81st of 102
- Rank by population among US county-equivalents2298th
Cass County is the 81st largest of 102 Illinois counties by population. A median home costs 1.4 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 24.4 percent against 18.0 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Cass County
Is Cass County growing
- Population change since the 2020 census base-2.46 percent
- Census 2020 base population13,034
- Births, 2024163
- Deaths, 2024132
- Natural change, 202431
- Net domestic migration, 2024-339
- Net international migration, 2024243
- Total net migration, 2024-96
- Cumulative net domestic migration, 2021 to 2024-921
- Rank by growth among US county-equivalents2618th
The county has lost 2.46 percent of its population since the 2020 census base. Births exceeded deaths in 2024 but more people left than arrived, so the population is being sustained internally rather than attracting.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Cass County
Where people moving to Cass County come from
- Tax returns filed by households arriving282
- People arriving, from those returns500
- Adjusted gross income arriving$10.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$37,915
- Largest single originCass County Non-migrants (4,903 households)
- Largest single destination (4,903 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Cass County Non-migrants | 4,903 | 10,031 | $314.2 m |
| Other flows - Same State | 103 | 171 | $3.9 m |
| Other flows - Different State | 79 | 151 | $2.8 m |
| Other flows - South | 49 | 92 | $1.7 m |
| Morgan County | 41 | 78 | $1.6 m |
| Sangamon County | 38 | 58 | $1.7 m |
| Other flows - Midwest | 30 | 59 | $1.0 m |
| Schuyler County | 21 | 42 | $682,000 |
The largest single source of arrivals is Cass 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.
Cass County
What the Cass County economy runs on
- County GDP, 2024$883.5 m
- County GDP, 2023$886.0 m
- GDP change, 2023 to 2024-0.3 percent
- GDP change over five years30.2 percent
- Rank by GDP among Illinois counties64th
- Rank by GDP among US county-equivalents1943rd
- GDP per resident$69,113
Output grew -0.3 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.
Cass County
Who employs people in Cass County
- Covered employment, annual average5,143
- Establishments reporting266
- Average annual pay$51,068
- Average weekly wage$982
- Sector 44-45, employment444
- Sector 44-45, average annual pay$29,662
- Sector 62, employment289
- Sector 62, average annual pay$37,895
- Sector 52, employment216
- Sector 52, average annual pay$60,162
- Sector 23, employment158
- Sector 23, average annual pay$51,424
- Sector 53, employment9
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 444 | 36 | $29,662 |
| Sector 62 | 289 | 19 | $37,895 |
| Sector 52 | 216 | 16 | $60,162 |
| Sector 23 | 158 | 31 | $51,424 |
| Sector 53 | 9 | 4 | $67,147 |
The largest sector is the biggest private employer group at 444 jobs, 8.6 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.
Cass County
What businesses operate in Cass County
- Establishments, all industries241
- Employment at those establishments4,319
- Annual payroll$241.5 m
- Establishments per 1,000 residents18.9
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.
Cass County
What is being built in Cass County
- Housing units authorised by permit, 20241
- Declared construction value permitted$90,000
- Single family units authorised1
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$90,000
- Units authorised per 1,000 households0.2
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Cass County
How much SBA lending happens in Cass County
- 7(a) approvals recorded1
- 7(a) gross approval dollars$623,700
- Average 7(a) approval$623,700
- Median 7(a) approval$623,700
- 10th percentile approval$623,700
- 90th percentile approval$623,700
- Largest single approval$623,700
- Jobs reported supported, 7(a)6
- Jobs per approval6.0
- Distinct 7(a) lenders active1
- Distinct industries receiving approvals1
- Median 7(a) term300 months
- Share of loans on real estate terms, 240 months or longer100.0 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter0
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (1)
- Most active lenderMillennium Bank (1)
The average approval of $623,700 sits close to the median of $623,700, so lending here is fairly evenly sized rather than driven by a few large deals. 100.0 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cass County
Do SBA loans in Cass County get paid back
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Cancelled1
Too few loans have reached a final outcome to publish a charge off rate. only 0 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.
Cass County
How big is Cass County
- Land area376 sq mi
- Rank by land area among Illinois counties79th of 102
- Width, east to west31.2 mi
- Height, north to south17.4 mi
- Geographies sharing a boundary6
- Residents per square mile of land34
- Establishments per square mile0.64
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.
Cass County
What hazards affect Cass County
- EPA radon zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
- Communities in the NFIP Community Status Book6
- Of those, participating in the NFIP6
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
The EPA places the county in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L.
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.
- No 504 approvals recorded in this county in the FOIA release covering FY2010 onward.
- 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 Cass 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 Cass County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population12,784
- Households5,128
- Average household size2.49
- Median household income$68,125
- Median age38.3
Common questions
Cass County questions, answered from the record.
How many people live in Cass County, Illinois?
12,784, in 5,128 households, ranking 81st of 102 Illinois counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Cass County growing?
The population has fallen 2.46 percent since the 2020 census base. In 2024 there were 163 births against 132 deaths, with net migration of -96. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Cass County?
$68,125. The median owner-occupied home is valued at $97,100, which is 1.4 times income, and median gross rent is $723 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Cass County?
241 establishments, employing 4,319 people with an annual payroll of $241.5 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Cass County?
Average annual pay is $51,068, or $982 a week, across 5,143 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Cass County?
1 7(a) approvals totalling $623,700 since FY2020, across 1 lenders, with a median approval of $623,700. These are approvals recorded in the release, not loans disbursed.
What is being built in Cass County?
1 housing units were authorised by permit in 2024, with a declared construction value of $90,000. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Cass 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 Cass County come from?
The largest single origin is Cass County Non-migrants, with 4,903 households. Arriving households report an average income of $37,915 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 Cass 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 Cass 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.