Putnam County, Illinois: commercial real estate data.
Putnam County, Illinois has a population of 5,601 across 160 square miles, down 0.1 percent since the 2020 census base. County output reached $427.9 m in 2024, 133 establishments operate here, and the SBA record carries 1 7(a) approvals worth $700,000.
106 sourced county values · tier FULL · 11 sections
Putnam County
How many people live in Putnam County
- Population5,601
- Households2,465
- Average household size2.27
- Median household income$75,590
- Median age47.4
- Median gross rent$851 per month
- Median owner-occupied home value$172,700
- Home value to household income2.3 times
- Annual rent as a share of median income13.5 percent
- Adults 25 and over with a bachelor degree or higher22.9 percent
- Adults 25 and over with a graduate degree8.1 percent
- Adults 25 and over4,129
- Population under 181,103
- Share under 1819.7 percent
- Population 65 and over1,379
- Share 65 and over24.6 percent
- Working age population, 18 to 643,119
- Civilian labor force2,803
- Unemployment rate4.2 percent
- Labor force participation, adults 18 and over62.3 percent
- Rank by population among Illinois counties94th of 102
- Rank by population among US county-equivalents2845th
Putnam County is the 94th largest of 102 Illinois counties by population. A median home costs 2.3 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 24.6 percent against 19.7 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.
Putnam County
Is Putnam County growing
- Population change since the 2020 census base-0.07 percent
- Census 2020 base population5,637
- Births, 202447
- Deaths, 202451
- Natural change, 2024-4
- Net domestic migration, 202448
- Net international migration, 20240
- Total net migration, 202448
- Cumulative net domestic migration, 2021 to 202432
- Rank by growth among US county-equivalents1860th
The county has lost 0.07 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.
Putnam County
Where people moving to Putnam County come from
- Tax returns filed by households arriving146
- People arriving, from those returns259
- Adjusted gross income arriving$10.4 m
- Net adjusted gross income movement$0
- Average income of an arriving household$70,952
- Largest single originPutnam County Non-migrants (2,375 households)
- Largest single destination (2,375 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Putnam County Non-migrants | 2,375 | 4,705 | $186.5 m |
| Other flows - Same State | 61 | 100 | $4.1 m |
| LaSalle County | 52 | 92 | $3.4 m |
| Bureau County | 33 | 67 | $2.9 m |
The largest single source of arrivals is Putnam 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.
Putnam County
What the Putnam County economy runs on
- County GDP, 2024$427.9 m
- County GDP, 2023$406.9 m
- GDP change, 2023 to 20245.2 percent
- GDP change over five years46.6 percent
- Rank by GDP among Illinois counties89th
- Rank by GDP among US county-equivalents2504th
- GDP per resident$76,389
Output grew 5.2 percent in the latest year and 46.6 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.
Putnam County
Who employs people in Putnam County
- Covered employment, annual average2,012
- Establishments reporting165
- Average annual pay$69,607
- Average weekly wage$1,339
- Sector 31-33, employment554
- Sector 31-33, average annual pay$79,286
- Sector 48-49, employment174
- Sector 48-49, average annual pay$88,917
- Sector 52, employment52
- Sector 52, average annual pay$70,557
- Sector 72, employment47
- Sector 72, average annual pay$18,517
- Sector 54, employment38
- Sector 81, employment32
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 554 | 14 | $79,286 |
| Sector 48-49 | 174 | 14 | $88,917 |
| Sector 52 | 52 | 6 | $70,557 |
| Sector 72 | 47 | 11 | $18,517 |
| Sector 54 | 38 | 5 | $79,184 |
| Sector 81 | 32 | 8 | $38,263 |
| Sector 71 | 23 | 4 | $14,681 |
| Sector 53 | 10 | 4 | $27,424 |
The largest sector is the biggest private employer group at 554 jobs, 27.5 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.
Putnam County
What businesses operate in Putnam County
- Establishments, all industries133
- Employment at those establishments1,267
- Annual payroll$101.3 m
- Establishments per 1,000 residents23.7
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.
Putnam County
What is being built in Putnam County
- Housing units authorised by permit, 20249
- Declared construction value permitted$3.4 m
- Single family units authorised9
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$374,196
- Units authorised per 1,000 households3.7
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Putnam County
How much SBA lending happens in Putnam County
- 7(a) approvals recorded1
- 7(a) gross approval dollars$700,000
- Average 7(a) approval$700,000
- Median 7(a) approval$700,000
- 10th percentile approval$700,000
- 90th percentile approval$700,000
- Largest single approval$700,000
- Jobs reported supported, 7(a)8
- Jobs per approval8.0
- Distinct 7(a) lenders active1
- Distinct industries receiving approvals1
- Median 7(a) term266 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 loans1
- Franchise share of approvals100.0 percent
- Leading industry by approval countSupermarkets and Other Grocery (except Convenience) Stores (1)
- Most active lenderByline Bank (1)
The average approval of $700,000 sits close to the median of $700,000, 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.
Putnam County
Do SBA loans in Putnam County get paid back
- Loans with a final outcome recorded1
- Paid in full0
- Charged off1
- Status: Charged off1
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.
Putnam County
How big is Putnam County
- Land area160 sq mi
- Rank by land area among Illinois counties102nd of 102
- Width, east to west15.8 mi
- Height, north to south14.3 mi
- Geographies sharing a boundary3
- Residents per square mile of land35
- Establishments per square mile0.83
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.
Putnam County
What hazards affect Putnam 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.
- 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 Putnam 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 Putnam County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population5,601
- Households2,465
- Average household size2.27
- Median household income$75,590
- Median age47.4
Common questions
Putnam County questions, answered from the record.
How many people live in Putnam County, Illinois?
5,601, in 2,465 households, ranking 94th of 102 Illinois counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Putnam County growing?
The population has fallen 0.07 percent since the 2020 census base. In 2024 there were 47 births against 51 deaths, with net migration of 48. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Putnam County?
$75,590. The median owner-occupied home is valued at $172,700, which is 2.3 times income, and median gross rent is $851 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Putnam County?
133 establishments, employing 1,267 people with an annual payroll of $101.3 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 Putnam County?
Average annual pay is $69,607, or $1,339 a week, across 2,012 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Putnam County?
1 7(a) approvals totalling $700,000 since FY2020, across 1 lenders, with a median approval of $700,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Putnam County?
9 housing units were authorised by permit in 2024, with a declared construction value of $3.4 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Putnam 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 Putnam County come from?
The largest single origin is Putnam County Non-migrants, with 2,375 households. Arriving households report an average income of $70,952 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 Putnam 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 Putnam 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.