Macoupin County, Illinois: commercial real estate data.
Macoupin County, Illinois has a population of 44,350 across 863 square miles, down 2.5 percent since the 2020 census base. County output reached $1.53 bn in 2024, 813 establishments operate here, and the SBA record carries 28 7(a) approvals worth $12.2 m.
128 sourced county values · tier FULL · 12 sections
Macoupin County
How many people live in Macoupin County
- Population44,350
- Households17,576
- Average household size2.52
- Median household income$70,805
- Median age44.2
- Median gross rent$801 per month
- Median owner-occupied home value$138,200
- Home value to household income2.0 times
- Annual rent as a share of median income13.6 percent
- Adults 25 and over with a bachelor degree or higher20.3 percent
- Adults 25 and over with a graduate degree6.4 percent
- Adults 25 and over31,806
- Population under 189,136
- Share under 1820.6 percent
- Population 65 and over9,566
- Share 65 and over21.6 percent
- Working age population, 18 to 6425,648
- Civilian labor force20,790
- Unemployment rate3.7 percent
- Labor force participation, adults 18 and over59.0 percent
- Rank by population among Illinois counties32nd of 102
- Rank by population among US county-equivalents1113th
Macoupin County is the 32nd largest of 102 Illinois counties by population. A median home costs 2.0 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 21.6 percent against 20.6 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.
Macoupin County
Is Macoupin County growing
- Population change since the 2020 census base-2.54 percent
- Census 2020 base population45,039
- Births, 2024390
- Deaths, 2024692
- Natural change, 2024-302
- Net domestic migration, 202441
- Net international migration, 202430
- Total net migration, 202471
- Cumulative net domestic migration, 2021 to 2024-29
- Rank by growth among US county-equivalents2646th
The county has lost 2.54 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.
Macoupin County
Where people moving to Macoupin County come from
- Tax returns filed by households arriving1,038
- People arriving, from those returns1,874
- Adjusted gross income arriving$54.2 m
- Net adjusted gross income movement$0
- Average income of an arriving household$52,249
- Largest single originMacoupin County Non-migrants (17,009 households)
- Largest single destination (17,009 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Macoupin County Non-migrants | 17,009 | 34,260 | $1.21 bn |
| Madison County | 301 | 553 | $15.8 m |
| Other flows - Different State | 202 | 385 | $10.7 m |
| Sangamon County | 139 | 205 | $6.8 m |
| Other flows - Same State | 131 | 230 | $7.3 m |
| Montgomery County | 94 | 191 | $4.3 m |
| Other flows - Midwest | 77 | 138 | $4.4 m |
| Other flows - South | 77 | 163 | $3.6 m |
The largest single source of arrivals is Macoupin 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.
Macoupin County
What the Macoupin County economy runs on
- County GDP, 2024$1.53 bn
- County GDP, 2023$1.50 bn
- GDP change, 2023 to 20241.9 percent
- GDP change over five years26.0 percent
- Rank by GDP among Illinois counties48th
- Rank by GDP among US county-equivalents1502nd
- GDP per resident$34,392
Output grew 1.9 percent in the latest year and 26.0 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.
Macoupin County
Who employs people in Macoupin County
- Covered employment, annual average10,150
- Establishments reporting887
- Average annual pay$46,689
- Average weekly wage$898
- Sector 44-45, employment1,367
- Sector 44-45, average annual pay$32,693
- Sector 31-33, employment968
- Sector 31-33, average annual pay$62,541
- Sector 72, employment869
- Sector 72, average annual pay$19,120
- Sector 42, employment653
- Sector 42, average annual pay$69,824
- Sector 81, employment337
- Sector 52, employment306
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 1,367 | 122 | $32,693 |
| Sector 31-33 | 968 | 43 | $62,541 |
| Sector 72 | 869 | 79 | $19,120 |
| Sector 42 | 653 | 39 | $69,824 |
| Sector 81 | 337 | 79 | $34,995 |
| Sector 52 | 306 | 38 | $61,137 |
| Sector 56 | 235 | 35 | $49,810 |
| Sector 48-49 | 209 | 46 | $60,554 |
The largest sector is the biggest private employer group at 1,367 jobs, 13.5 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.
Macoupin County
What businesses operate in Macoupin County
- Establishments, all industries813
- Employment at those establishments7,626
- Annual payroll$335.8 m
- Establishments per 1,000 residents18.3
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.
Macoupin County
What is being built in Macoupin County
- Housing units authorised by permit, 202465
- Declared construction value permitted$13.8 m
- Single family units authorised59
- Multifamily units authorised6
- Multifamily share of units9.2 percent
- Average declared value per unit$212,476
- Units authorised per 1,000 households3.7
Multifamily is 9.2 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Macoupin County
How much SBA lending happens in Macoupin County
- 7(a) approvals recorded28
- 7(a) gross approval dollars$12.2 m
- Average 7(a) approval$436,318
- Median 7(a) approval$137,300
- 10th percentile approval$20,000
- 90th percentile approval$1,181,200
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)174
- Jobs per approval6.2
- Distinct 7(a) lenders active15
- Distinct industries receiving approvals22
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer7.1 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter21
- Franchise loans2
- Franchise share of approvals7.1 percent
- Leading industry by approval countLimited-Service Restaurants (3)
- Most active lenderBank of Springfield (8)
- 504 approvals recorded11
- 504 gross approval dollars$5.9 m
- Average 504 approval$540,364
- Median 504 approval$524,000
- Distinct CDCs active4
- 504 jobs per approval6.9
- 504 jobs per million dollars approved12.8
- Most active CDCSmall Business Growth Corporation (6)
- 7(a) share of SBA approvals71.8 percent
- Combined SBA approval dollars$18.2 m
The average approval of $436,318 sits well above the median of $137,300, 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 7.1 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.
Macoupin County
Do SBA loans in Macoupin County get paid back
- Loans with a final outcome recorded10
- Paid in full9
- Charged off1
- Charge off rate on resolved loans10.0 percent
- Status: Paid in full9
- Status: Exempt from disclosure15
- Status: Cancelled2
- Status: Charged off1
- Status: Committed, not yet disbursed1
Of the 10 loans that have reached a final outcome, 10.0 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.
Macoupin County
Which parts of Macoupin County get the lending
- Places in the county with recorded lending12
- Carlinville, approvals6
- Girard, approvals5
- STAUNTON, approvals4
- Virden, approvals3
- Mount Olive, approvals2
- Bunker Hill, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Carlinville | 6 | $1,926,400 |
| Girard | 5 | $671,500 |
| STAUNTON | 4 | $5,185,000 |
| Virden | 3 | $685,000 |
| Mount Olive | 2 | $110,000 |
| Bunker Hill | 2 | $1,660,200 |
| MT Olive | 1 | $1,181,200 |
| Brighton | 1 | $93,000 |
Carlinville accounts for 6 approvals against 5 in Girard. 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.
Macoupin County
How big is Macoupin County
- Land area863 sq mi
- Rank by land area among Illinois counties11th of 102
- Width, east to west24.4 mi
- Height, north to south36.3 mi
- Geographies sharing a boundary6
- Residents per square mile of land51
- Establishments per square mile0.94
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.
Macoupin County
What hazards affect Macoupin County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book7
- Of those, participating in the NFIP7
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
The EPA places the county in radon zone 2, a predicted average indoor radon screening level from 2 to 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 Macoupin 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 Macoupin County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population44,350
- Households17,576
- Average household size2.52
- Median household income$70,805
- Median age44.2
Common questions
Macoupin County questions, answered from the record.
How many people live in Macoupin County, Illinois?
44,350, in 17,576 households, ranking 32nd of 102 Illinois counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Macoupin County growing?
The population has fallen 2.54 percent since the 2020 census base. In 2024 there were 390 births against 692 deaths, with net migration of 71. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Macoupin County?
$70,805. The median owner-occupied home is valued at $138,200, which is 2.0 times income, and median gross rent is $801 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Macoupin County?
813 establishments, employing 7,626 people with an annual payroll of $335.8 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 Macoupin County?
Average annual pay is $46,689, or $898 a week, across 10,150 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Macoupin County?
28 7(a) approvals totalling $12.2 m since FY2020, across 15 lenders, with a median approval of $137,300, plus 11 504 approvals worth $5.9 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Macoupin County get paid back?
Of the 10 loans that have reached a final outcome, 9 were paid in full and 1 charged off, a charge off rate of 10.0 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Macoupin County?
65 housing units were authorised by permit in 2024, with a declared construction value of $13.8 m. Multifamily was 9.2 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Macoupin County?
Zone 2, a predicted average indoor radon screening level from 2 to 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 Macoupin County come from?
The largest single origin is Macoupin County Non-migrants, with 17,009 households. Arriving households report an average income of $52,249 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 Macoupin 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 Macoupin 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.