Jersey County, Illinois: commercial real estate data.
Jersey County, Illinois has a population of 21,274 across 369 square miles, down 1.7 percent since the 2020 census base. County output reached $672.9 m in 2024, 404 establishments operate here, and the SBA record carries 15 7(a) approvals worth $3.2 m.
123 sourced county values · tier FULL · 12 sections
Jersey County
How many people live in Jersey County
- Population21,274
- Households7,965
- Average household size2.67
- Median household income$80,361
- Median age43.7
- Median gross rent$846 per month
- Median owner-occupied home value$171,900
- Home value to household income2.1 times
- Annual rent as a share of median income12.6 percent
- Adults 25 and over with a bachelor degree or higher22.6 percent
- Adults 25 and over with a graduate degree7.8 percent
- Adults 25 and over14,966
- Population under 184,207
- Share under 1819.8 percent
- Population 65 and over4,391
- Share 65 and over20.6 percent
- Working age population, 18 to 6412,676
- Civilian labor force10,707
- Unemployment rate3.4 percent
- Labor force participation, adults 18 and over62.7 percent
- Rank by population among Illinois counties55th of 102
- Rank by population among US county-equivalents1808th
Jersey County is the 55th largest of 102 Illinois counties by population. A median home costs 2.1 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 20.6 percent against 19.8 percent, which points demand at health care, services and single storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Jersey County
Is Jersey County growing
- Population change since the 2020 census base-1.69 percent
- Census 2020 base population21,513
- Births, 2024155
- Deaths, 2024286
- Natural change, 2024-131
- Net domestic migration, 202485
- Net international migration, 202438
- Total net migration, 2024123
- Cumulative net domestic migration, 2021 to 202480
- Rank by growth among US county-equivalents2414th
The county has lost 1.69 percent of its population since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Jersey County
Where people moving to Jersey County come from
- Tax returns filed by households arriving489
- People arriving, from those returns875
- Adjusted gross income arriving$30.0 m
- Net adjusted gross income movement$0
- Average income of an arriving household$61,290
- Largest single originJersey County Non-migrants (8,220 households)
- Largest single destination (8,220 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Jersey County Non-migrants | 8,220 | 16,710 | $616.9 m |
| Madison County | 193 | 338 | $12.2 m |
| Other flows - Different State | 123 | 230 | $7.9 m |
| Other flows - Same State | 67 | 110 | $4.3 m |
| Macoupin County | 63 | 123 | $3.5 m |
| Other flows - Midwest | 60 | 104 | $4.4 m |
| Greene County | 43 | 74 | $2.1 m |
| Other flows - South | 37 | 69 | $1.9 m |
The largest single source of arrivals is Jersey 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.
Jersey County
What the Jersey County economy runs on
- County GDP, 2024$672.9 m
- County GDP, 2023$665.3 m
- GDP change, 2023 to 20241.2 percent
- GDP change over five years28.3 percent
- Rank by GDP among Illinois counties78th
- Rank by GDP among US county-equivalents2182nd
- GDP per resident$31,632
Output grew 1.2 percent in the latest year and 28.3 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.
Jersey County
Who employs people in Jersey County
- Covered employment, annual average5,218
- Establishments reporting389
- Average annual pay$45,258
- Average weekly wage$870
- Sector 44-45, employment786
- Sector 44-45, average annual pay$32,735
- Sector 72, employment627
- Sector 72, average annual pay$22,190
- Sector 23, employment393
- Sector 23, average annual pay$60,745
- Sector 31-33, employment322
- Sector 31-33, average annual pay$58,710
- Sector 54, employment216
- Sector 52, employment158
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 786 | 47 | $32,735 |
| Sector 72 | 627 | 51 | $22,190 |
| Sector 23 | 393 | 51 | $60,745 |
| Sector 31-33 | 322 | 22 | $58,710 |
| Sector 54 | 216 | 24 | $75,397 |
| Sector 52 | 158 | 19 | $65,315 |
| Sector 71 | 149 | 7 | $14,175 |
| Sector 42 | 106 | 12 | $54,116 |
The largest sector is the biggest private employer group at 786 jobs, 15.1 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.
Jersey County
What businesses operate in Jersey County
- Establishments, all industries404
- Employment at those establishments4,403
- Annual payroll$186.0 m
- Establishments per 1,000 residents19.0
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.
Jersey County
What is being built in Jersey County
- Housing units authorised by permit, 2024101
- Declared construction value permitted$19.7 m
- Single family units authorised33
- Multifamily units authorised68
- Multifamily share of units67.3 percent
- Average declared value per unit$195,106
- Units authorised per 1,000 households12.7
Multifamily is 67.3 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Jersey County
How much SBA lending happens in Jersey County
- 7(a) approvals recorded15
- 7(a) gross approval dollars$3.2 m
- Average 7(a) approval$215,847
- Median 7(a) approval$150,000
- 10th percentile approval$50,000
- 90th percentile approval$395,500
- Largest single approval$1,002,500
- Jobs reported supported, 7(a)141
- Jobs per approval9.4
- Distinct 7(a) lenders active11
- Distinct industries receiving approvals9
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer13.3 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter12
- Franchise loans1
- Franchise share of approvals6.7 percent
- Leading industry by approval countLandscaping Services (3)
- Most active lenderINB, National Association (2)
- 504 approvals recorded3
- 504 gross approval dollars$2.8 m
- Average 504 approval$945,000
- Median 504 approval$927,000
- Distinct CDCs active1
- 504 jobs per approval2.3
- 504 jobs per million dollars approved2.5
- Most active CDCSmall Business Growth Corporation (3)
- 7(a) share of SBA approvals83.3 percent
- Combined SBA approval dollars$6.1 m
The average approval of $215,847 sits well above the median of $150,000, 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 13.3 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.
Jersey County
Do SBA loans in Jersey County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Exempt from disclosure13
- Status: Cancelled1
Too few loans have reached a final outcome to publish a charge off rate. only 1 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.
Jersey County
Which parts of Jersey County get the lending
- Places in the county with recorded lending3
- Jerseyville, approvals10
- Grafton, approvals4
- BRIGHTON, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Jerseyville | 10 | $1,760,200 |
| Grafton | 4 | $1,327,500 |
| BRIGHTON | 1 | $150,000 |
Jerseyville accounts for 10 approvals against 4 in Grafton. 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.
Jersey County
How big is Jersey County
- Land area369 sq mi
- Rank by land area among Illinois counties82nd of 102
- Width, east to west24.6 mi
- Height, north to south23.2 mi
- Geographies sharing a boundary4
- Residents per square mile of land58
- Establishments per square mile1.09
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.
Jersey County
What hazards affect Jersey County
- EPA radon zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
- Communities in the NFIP Community Status Book5
- Of those, participating in the NFIP5
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 5
- 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 5, 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 Jersey 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 Jersey County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population21,274
- Households7,965
- Average household size2.67
- Median household income$80,361
- Median age43.7
Common questions
Jersey County questions, answered from the record.
How many people live in Jersey County, Illinois?
21,274, in 7,965 households, ranking 55th of 102 Illinois counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Jersey County growing?
The population has fallen 1.69 percent since the 2020 census base. In 2024 there were 155 births against 286 deaths, with net migration of 123. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Jersey County?
$80,361. The median owner-occupied home is valued at $171,900, which is 2.1 times income, and median gross rent is $846 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Jersey County?
404 establishments, employing 4,403 people with an annual payroll of $186.0 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 Jersey County?
Average annual pay is $45,258, or $870 a week, across 5,218 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Jersey County?
15 7(a) approvals totalling $3.2 m since FY2020, across 11 lenders, with a median approval of $150,000, plus 3 504 approvals worth $2.8 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Jersey County?
101 housing units were authorised by permit in 2024, with a declared construction value of $19.7 m. Multifamily was 67.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Jersey 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 Jersey County come from?
The largest single origin is Jersey County Non-migrants, with 8,220 households. Arriving households report an average income of $61,290 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 Jersey 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 Jersey 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.