Jo Daviess County, Illinois: commercial real estate data.
Jo Daviess County, Illinois has a population of 21,851 across 601 square miles, down 2.5 percent since the 2020 census base. County output reached $1.14 bn in 2024, 673 establishments operate here, and the SBA record carries 5 7(a) approvals worth $2.9 m.
122 sourced county values · tier FULL · 12 sections
Jo Daviess County
How many people live in Jo Daviess County
- Population21,851
- Households10,391
- Average household size2.10
- Median household income$73,993
- Median age51.5
- Median gross rent$825 per month
- Median owner-occupied home value$209,900
- Home value to household income2.8 times
- Annual rent as a share of median income13.4 percent
- Adults 25 and over with a bachelor degree or higher28.9 percent
- Adults 25 and over with a graduate degree9.0 percent
- Adults 25 and over16,604
- Population under 183,972
- Share under 1818.2 percent
- Population 65 and over6,541
- Share 65 and over29.9 percent
- Working age population, 18 to 6411,338
- Civilian labor force10,892
- Unemployment rate3.6 percent
- Labor force participation, adults 18 and over60.9 percent
- Rank by population among Illinois counties53rd of 102
- Rank by population among US county-equivalents1781st
Jo Daviess County is the 53rd largest of 102 Illinois counties by population. A median home costs 2.8 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 29.9 percent against 18.2 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.
Jo Daviess County
Is Jo Daviess County growing
- Population change since the 2020 census base-2.51 percent
- Census 2020 base population22,082
- Births, 2024130
- Deaths, 2024293
- Natural change, 2024-163
- Net domestic migration, 2024-62
- Net international migration, 20247
- Total net migration, 2024-55
- Cumulative net domestic migration, 2021 to 202410
- Rank by growth among US county-equivalents2633rd
The county has lost 2.51 percent of its population since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Jo Daviess County
Where people moving to Jo Daviess County come from
- Tax returns filed by households arriving606
- People arriving, from those returns1,046
- Adjusted gross income arriving$56.6 m
- Net adjusted gross income movement$0
- Average income of an arriving household$93,327
- Largest single originJo Daviess County Non-migrants (9,343 households)
- Largest single destination (9,343 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Jo Daviess County Non-migrants | 9,343 | 18,062 | $758.5 m |
| Other flows - Different State | 209 | 347 | $15.9 m |
| Other flows - Same State | 162 | 300 | $16.3 m |
| Dubuque County | 106 | 185 | $10.6 m |
| Other flows - Midwest | 101 | 160 | $6.0 m |
| Other flows - West | 60 | 110 | $7.3 m |
| Cook County | 51 | 86 | $9.7 m |
| Other flows - South | 48 | 77 | $2.7 m |
The largest single source of arrivals is Jo Daviess 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.
Jo Daviess County
What the Jo Daviess County economy runs on
- County GDP, 2024$1.14 bn
- County GDP, 2023$1.10 bn
- GDP change, 2023 to 20243.8 percent
- GDP change over five years40.3 percent
- Rank by GDP among Illinois counties56th
- Rank by GDP among US county-equivalents1738th
- GDP per resident$52,101
Output grew 3.8 percent in the latest year and 40.3 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.
Jo Daviess County
Who employs people in Jo Daviess County
- Covered employment, annual average7,485
- Establishments reporting742
- Average annual pay$46,804
- Average weekly wage$900
- Sector 72, employment1,467
- Sector 72, average annual pay$25,441
- Sector 44-45, employment1,050
- Sector 44-45, average annual pay$31,874
- Sector 31-33, employment707
- Sector 31-33, average annual pay$69,352
- Sector 23, employment548
- Sector 23, average annual pay$67,914
- Sector 81, employment391
- Sector 71, employment236
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 72 | 1,467 | 100 | $25,441 |
| Sector 44-45 | 1,050 | 105 | $31,874 |
| Sector 31-33 | 707 | 40 | $69,352 |
| Sector 23 | 548 | 88 | $67,914 |
| Sector 81 | 391 | 70 | $35,981 |
| Sector 71 | 236 | 21 | $21,322 |
| Sector 52 | 142 | 25 | $61,433 |
| Sector 53 | 62 | 23 | $72,480 |
The largest sector is the biggest private employer group at 1,467 jobs, 19.6 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.
Jo Daviess County
What businesses operate in Jo Daviess County
- Establishments, all industries673
- Employment at those establishments6,609
- Annual payroll$320.9 m
- Establishments per 1,000 residents30.8
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.
Jo Daviess County
What is being built in Jo Daviess County
- Housing units authorised by permit, 202459
- Declared construction value permitted$23.7 m
- Single family units authorised57
- Multifamily units authorised2
- Multifamily share of units3.4 percent
- Average declared value per unit$400,958
- Units authorised per 1,000 households5.7
Multifamily is 3.4 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Jo Daviess County
How much SBA lending happens in Jo Daviess County
- 7(a) approvals recorded5
- 7(a) gross approval dollars$2.9 m
- Average 7(a) approval$574,600
- Median 7(a) approval$50,000
- 10th percentile approval$21,000
- 90th percentile approval$1,832,000
- Largest single approval$1,832,000
- Jobs reported supported, 7(a)43
- Jobs per approval8.6
- Distinct 7(a) lenders active3
- Distinct industries receiving approvals5
- Median 7(a) term84 months
- Share of loans on real estate terms, 240 months or longer40.0 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter3
- Franchise loans1
- Franchise share of approvals20.0 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (1)
- Most active lenderU.S. Bank, National Association (3)
- 504 approvals recorded9
- 504 gross approval dollars$4.0 m
- Average 504 approval$449,333
- Median 504 approval$275,000
- Distinct CDCs active3
- 504 jobs per approval7.8
- 504 jobs per million dollars approved17.3
- Most active CDCSmall Business Growth Corporation (6)
- 7(a) share of SBA approvals35.7 percent
- Combined SBA approval dollars$6.9 m
The average approval of $574,600 sits well above the median of $50,000, 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. 40.0 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. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Jo Daviess County
Do SBA loans in Jo Daviess County get paid back
- Loans with a final outcome recorded2
- Paid in full1
- Charged off1
- Status: Charged off1
- Status: Exempt from disclosure2
- Status: Paid in full1
- Status: Cancelled1
Too few loans have reached a final outcome to publish a charge off rate. only 2 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.
Jo Daviess County
Which parts of Jo Daviess County get the lending
- Places in the county with recorded lending2
- GALENA, approvals4
- Stockton, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| GALENA | 4 | $1,041,000 |
| Stockton | 1 | $1,832,000 |
GALENA accounts for 4 approvals against 1 in Stockton. 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.
Jo Daviess County
How big is Jo Daviess County
- Land area601 sq mi
- Rank by land area among Illinois counties35th of 102
- Width, east to west37.6 mi
- Height, north to south21.7 mi
- Geographies sharing a boundary2
- Residents per square mile of land36
- Establishments per square mile1.12
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.
Jo Daviess County
What hazards affect Jo Daviess 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 NFIP5
- NFIP participation rate83.3 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.
- 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 Jo Daviess 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 Jo Daviess County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population21,851
- Households10,391
- Average household size2.10
- Median household income$73,993
- Median age51.5
Common questions
Jo Daviess County questions, answered from the record.
How many people live in Jo Daviess County, Illinois?
21,851, in 10,391 households, ranking 53rd of 102 Illinois counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Jo Daviess County growing?
The population has fallen 2.51 percent since the 2020 census base. In 2024 there were 130 births against 293 deaths, with net migration of -55. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Jo Daviess County?
$73,993. The median owner-occupied home is valued at $209,900, which is 2.8 times income, and median gross rent is $825 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Jo Daviess County?
673 establishments, employing 6,609 people with an annual payroll of $320.9 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 Jo Daviess County?
Average annual pay is $46,804, or $900 a week, across 7,485 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Jo Daviess County?
5 7(a) approvals totalling $2.9 m since FY2020, across 3 lenders, with a median approval of $50,000, plus 9 504 approvals worth $4.0 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Jo Daviess County?
59 housing units were authorised by permit in 2024, with a declared construction value of $23.7 m. Multifamily was 3.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Jo Daviess 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 Jo Daviess County come from?
The largest single origin is Jo Daviess County Non-migrants, with 9,343 households. Arriving households report an average income of $93,327 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 Jo Daviess 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 Jo Daviess 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.