Kendall County, Illinois: commercial real estate data.
Kendall County, Illinois has a population of 137,675 across 320 square miles, up 8.6 percent since the 2020 census base. County output reached $5.41 bn in 2024, 2,548 establishments operate here, and the SBA record carries 143 7(a) approvals worth $59.6 m.
129 sourced county values · tier FULL · 12 sections
Kendall County
How many people live in Kendall County
- Population137,675
- Households45,372
- Average household size3.03
- Median household income$111,601
- Median age36.3
- Median gross rent$1,781 per month
- Median owner-occupied home value$322,400
- Home value to household income2.9 times
- Annual rent as a share of median income19.2 percent
- Adults 25 and over with a bachelor degree or higher36.9 percent
- Adults 25 and over with a graduate degree12.7 percent
- Adults 25 and over88,608
- Population under 1837,238
- Share under 1827.0 percent
- Population 65 and over15,466
- Share 65 and over11.2 percent
- Working age population, 18 to 6484,971
- Civilian labor force76,164
- Unemployment rate4.3 percent
- Labor force participation, adults 18 and over75.8 percent
- Rank by population among Illinois counties15th of 102
- Rank by population among US county-equivalents483rd
Kendall County is the 15th largest of 102 Illinois counties by population. A median home costs 2.9 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 27.0 percent against 11.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Kendall County
Is Kendall County growing
- Population change since the 2020 census base8.58 percent
- Census 2020 base population131,863
- Births, 20241,507
- Deaths, 2024710
- Natural change, 2024797
- Net domestic migration, 20241,586
- Net international migration, 2024574
- Total net migration, 20242,160
- Cumulative net domestic migration, 2021 to 20246,446
- Rank by growth among US county-equivalents204th
The county has grown 8.58 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Kendall County
Where people moving to Kendall County come from
- Tax returns filed by households arriving5,242
- People arriving, from those returns9,985
- Adjusted gross income arriving$374.0 m
- Net adjusted gross income movement$0
- Average income of an arriving household$71,343
- Largest single originKendall County Non-migrants (48,977 households)
- Largest single destination (48,977 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Kendall County Non-migrants | 48,977 | 111,917 | $4.78 bn |
| Kane County | 1,135 | 2,174 | $65.2 m |
| Will County | 1,039 | 2,056 | $84.1 m |
| DuPage County | 980 | 1,880 | $73.9 m |
| Other flows - Different State | 797 | 1,454 | $58.4 m |
| Cook County | 767 | 1,513 | $53.2 m |
| Other flows - South | 313 | 569 | $22.6 m |
| Other flows - Midwest | 259 | 476 | $18.4 m |
The largest single source of arrivals is Kendall 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.
Kendall County
What the Kendall County economy runs on
- County GDP, 2024$5.41 bn
- County GDP, 2023$5.21 bn
- GDP change, 2023 to 20243.9 percent
- GDP change over five years41.5 percent
- Rank by GDP among Illinois counties21st
- Rank by GDP among US county-equivalents679th
- GDP per resident$39,283
Output grew 3.9 percent in the latest year and 41.5 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.
Kendall County
Who employs people in Kendall County
- Covered employment, annual average30,329
- Establishments reporting2,463
- Average annual pay$51,205
- Average weekly wage$985
- Sector 44-45, employment5,535
- Sector 44-45, average annual pay$33,949
- Sector 72, employment3,966
- Sector 72, average annual pay$21,990
- Sector 31-33, employment2,966
- Sector 31-33, average annual pay$90,487
- Sector 48-49, employment2,145
- Sector 48-49, average annual pay$58,151
- Sector 62, employment1,830
- Sector 23, employment1,564
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 5,535 | 240 | $33,949 |
| Sector 72 | 3,966 | 210 | $21,990 |
| Sector 31-33 | 2,966 | 105 | $90,487 |
| Sector 48-49 | 2,145 | 214 | $58,151 |
| Sector 62 | 1,830 | 212 | $45,902 |
| Sector 23 | 1,564 | 355 | $74,010 |
| Sector 81 | 1,329 | 233 | $34,766 |
| Sector 56 | 1,098 | 161 | $48,946 |
The largest sector is the biggest private employer group at 5,535 jobs, 18.2 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.
Kendall County
What businesses operate in Kendall County
- Establishments, all industries2,548
- Employment at those establishments25,500
- Annual payroll$1.11 bn
- Establishments per 1,000 residents18.5
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.
Kendall County
What is being built in Kendall County
- Housing units authorised by permit, 2024706
- Declared construction value permitted$136.9 m
- Single family units authorised441
- Multifamily units authorised265
- Multifamily share of units37.5 percent
- Average declared value per unit$193,870
- Units authorised per 1,000 households15.6
Multifamily is 37.5 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Kendall County
How much SBA lending happens in Kendall County
- 7(a) approvals recorded143
- 7(a) gross approval dollars$59.6 m
- Average 7(a) approval$416,911
- Median 7(a) approval$150,000
- 10th percentile approval$30,000
- 90th percentile approval$1,153,000
- Largest single approval$3,300,000
- Jobs reported supported, 7(a)1,359
- Jobs per approval9.5
- Distinct 7(a) lenders active44
- Distinct industries receiving approvals67
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer18.2 percent
- Loans on real estate terms26
- Loans on working capital terms, 120 months or shorter112
- Franchise loans20
- Franchise share of approvals14.0 percent
- Leading industry by approval countGeneral Freight Trucking, Long-Distance, Truckload (9)
- Most active lenderThe Huntington National Bank (29)
- 504 approvals recorded74
- 504 gross approval dollars$46.8 m
- Average 504 approval$631,919
- Median 504 approval$418,000
- Distinct CDCs active5
- 504 jobs per approval9.0
- 504 jobs per million dollars approved14.2
- Most active CDCSmall Business Growth Corporation (37)
- 7(a) share of SBA approvals65.9 percent
- Combined SBA approval dollars$106.4 m
The average approval of $416,911 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 18.2 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.
Kendall County
Do SBA loans in Kendall County get paid back
- Loans with a final outcome recorded22
- Paid in full21
- Charged off1
- Charge off rate on resolved loans4.5 percent
- Status: Paid in full21
- Status: Exempt from disclosure94
- Status: Cancelled21
- Status: Charged off1
- Status: Committed, not yet disbursed6
Of the 22 loans that have reached a final outcome, 4.5 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Kendall County
Which parts of Kendall County get the lending
- Places in the county with recorded lending12
- OSWEGO, approvals52
- YORKVILLE, approvals38
- PLAINFIELD, approvals22
- Montgomery, approvals13
- BRISTOL, approvals4
- NEWARK, approvals4
| Place | Approvals | Gross approval dollars |
|---|---|---|
| OSWEGO | 52 | $28,611,400 |
| YORKVILLE | 38 | $10,738,400 |
| PLAINFIELD | 22 | $7,161,600 |
| Montgomery | 13 | $5,575,900 |
| BRISTOL | 4 | $1,307,000 |
| NEWARK | 4 | $438,600 |
| PLANO | 3 | $735,000 |
| AURORA | 3 | $1,423,800 |
OSWEGO accounts for 52 approvals against 38 in YORKVILLE. 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.
Kendall County
How big is Kendall County
- Land area320 sq mi
- Rank by land area among Illinois counties89th of 102
- Width, east to west18.2 mi
- Height, north to south18.5 mi
- Geographies sharing a boundary6
- Residents per square mile of land430
- Establishments per square mile7.96
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.
Kendall County
What hazards affect Kendall County
- EPA radon zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
- Communities in the NFIP Community Status Book15
- Of those, participating in the NFIP15
- 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 class2
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 Kendall 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 Kendall County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population137,675
- Households45,372
- Average household size3.03
- Median household income$111,601
- Median age36.3
Common questions
Kendall County questions, answered from the record.
How many people live in Kendall County, Illinois?
137,675, in 45,372 households, ranking 15th of 102 Illinois counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Kendall County growing?
The population has grown 8.58 percent since the 2020 census base. In 2024 there were 1,507 births against 710 deaths, with net migration of 2,160. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Kendall County?
$111,601. The median owner-occupied home is valued at $322,400, which is 2.9 times income, and median gross rent is $1,781 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Kendall County?
2,548 establishments, employing 25,500 people with an annual payroll of $1.11 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 Kendall County?
Average annual pay is $51,205, or $985 a week, across 30,329 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Kendall County?
143 7(a) approvals totalling $59.6 m since FY2020, across 44 lenders, with a median approval of $150,000, plus 74 504 approvals worth $46.8 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Kendall County get paid back?
Of the 22 loans that have reached a final outcome, 21 were paid in full and 1 charged off, a charge off rate of 4.5 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Kendall County?
706 housing units were authorised by permit in 2024, with a declared construction value of $136.9 m. Multifamily was 37.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Kendall 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 Kendall County come from?
The largest single origin is Kendall County Non-migrants, with 48,977 households. Arriving households report an average income of $71,343 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 Kendall 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 Kendall 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.