Sangamon County, Illinois: commercial real estate data.
Sangamon County, Illinois has a population of 194,947 across 868 square miles, down 1.1 percent since the 2020 census base. County output reached $15.67 bn in 2024, 4,925 establishments operate here, and the SBA record carries 228 7(a) approvals worth $83.1 m.
129 sourced county values · tier FULL · 12 sections
Sangamon County
How many people live in Sangamon County
- Population194,947
- Households84,762
- Average household size2.30
- Median household income$75,357
- Median age41.0
- Median gross rent$983 per month
- Median owner-occupied home value$176,300
- Home value to household income2.3 times
- Annual rent as a share of median income15.7 percent
- Adults 25 and over with a bachelor degree or higher36.6 percent
- Adults 25 and over with a graduate degree14.8 percent
- Adults 25 and over136,639
- Population under 1842,640
- Share under 1821.9 percent
- Population 65 and over37,849
- Share 65 and over19.4 percent
- Working age population, 18 to 64114,458
- Civilian labor force95,828
- Unemployment rate5.4 percent
- Labor force participation, adults 18 and over62.9 percent
- Rank by population among Illinois counties11th of 102
- Rank by population among US county-equivalents360th
Sangamon County is the 11th 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 under 18 outnumber those 65 and over, at 21.9 percent against 19.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Sangamon County
Is Sangamon County growing
- Population change since the 2020 census base-1.05 percent
- Census 2020 base population196,412
- Births, 20241,969
- Deaths, 20242,108
- Natural change, 2024-139
- Net domestic migration, 2024-555
- Net international migration, 2024821
- Total net migration, 2024266
- Cumulative net domestic migration, 2021 to 2024-3,366
- Rank by growth among US county-equivalents2201st
The county has lost 1.05 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.
Sangamon County
Where people moving to Sangamon County come from
- Tax returns filed by households arriving3,529
- People arriving, from those returns5,943
- Adjusted gross income arriving$207.0 m
- Net adjusted gross income movement$0
- Average income of an arriving household$58,644
- Largest single originSangamon County Non-migrants (80,551 households)
- Largest single destination (80,551 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Sangamon County Non-migrants | 80,551 | 155,516 | $7.21 bn |
| Other flows - Different State | 1,304 | 2,266 | $85.8 m |
| Other flows - South | 611 | 1,064 | $39.6 m |
| Other flows - Same State | 385 | 652 | $20.8 m |
| Other flows - Midwest | 378 | 652 | $25.2 m |
| Cook County | 285 | 493 | $15.0 m |
| Other flows - West | 214 | 368 | $14.0 m |
| Macon County | 148 | 264 | $7.4 m |
The largest single source of arrivals is Sangamon 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.
Sangamon County
What the Sangamon County economy runs on
- County GDP, 2024$15.67 bn
- County GDP, 2023$14.64 bn
- GDP change, 2023 to 20247.0 percent
- GDP change over five years37.6 percent
- Rank by GDP among Illinois counties12th
- Rank by GDP among US county-equivalents318th
- GDP per resident$80,374
Output grew 7.0 percent in the latest year and 37.6 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.
Sangamon County
Who employs people in Sangamon County
- Covered employment, annual average134,376
- Establishments reporting4,970
- Average annual pay$69,350
- Average weekly wage$1,334
- Sector 62, employment19,916
- Sector 62, average annual pay$76,395
- Sector 44-45, employment11,178
- Sector 44-45, average annual pay$36,532
- Sector 72, employment8,624
- Sector 72, average annual pay$25,720
- Sector 56, employment5,224
- Sector 56, average annual pay$47,731
- Sector 54, employment4,670
- Sector 81, employment4,399
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 19,916 | 454 | $76,395 |
| Sector 44-45 | 11,178 | 624 | $36,532 |
| Sector 72 | 8,624 | 501 | $25,720 |
| Sector 56 | 5,224 | 290 | $47,731 |
| Sector 54 | 4,670 | 580 | $85,998 |
| Sector 81 | 4,399 | 549 | $53,389 |
| Sector 52 | 4,232 | 276 | $88,756 |
| Sector 31-33 | 3,631 | 114 | $57,480 |
The largest sector is the biggest private employer group at 19,916 jobs, 14.8 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.
Sangamon County
What businesses operate in Sangamon County
- Establishments, all industries4,925
- Employment at those establishments80,005
- Annual payroll$4.30 bn
- Establishments per 1,000 residents25.3
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.
Sangamon County
What is being built in Sangamon County
- Housing units authorised by permit, 2024191
- Declared construction value permitted$51.8 m
- Single family units authorised123
- Multifamily units authorised68
- Multifamily share of units35.6 percent
- Average declared value per unit$270,949
- Units authorised per 1,000 households2.3
Multifamily is 35.6 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Sangamon County
How much SBA lending happens in Sangamon County
- 7(a) approvals recorded228
- 7(a) gross approval dollars$83.1 m
- Average 7(a) approval$364,289
- Median 7(a) approval$146,500
- 10th percentile approval$23,600
- 90th percentile approval$800,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)2,769
- Jobs per approval12.1
- Distinct 7(a) lenders active36
- Distinct industries receiving approvals98
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer14.5 percent
- Loans on real estate terms33
- Loans on working capital terms, 120 months or shorter171
- Franchise loans18
- Franchise share of approvals7.9 percent
- Leading industry by approval countFull-Service Restaurants (22)
- Most active lenderBank of Springfield (86)
- 504 approvals recorded115
- 504 gross approval dollars$55.9 m
- Average 504 approval$485,852
- Median 504 approval$320,000
- Distinct CDCs active5
- 504 jobs per approval10.1
- 504 jobs per million dollars approved20.8
- Most active CDCSmall Business Growth Corporation (77)
- 7(a) share of SBA approvals66.5 percent
- Combined SBA approval dollars$138.9 m
The average approval of $364,289 sits well above the median of $146,500, 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 14.5 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.
Sangamon County
Do SBA loans in Sangamon County get paid back
- Loans with a final outcome recorded45
- Paid in full42
- Charged off3
- Charge off rate on resolved loans6.7 percent
- Status: Charged off3
- Status: Paid in full42
- Status: Exempt from disclosure144
- Status: Cancelled22
- Status: Committed, not yet disbursed17
Of the 45 loans that have reached a final outcome, 6.7 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.
Sangamon County
Which parts of Sangamon County get the lending
- Places in the county with recorded lending16
- SPRINGFIELD, approvals184
- ROCHESTER, approvals13
- CHATHAM, approvals7
- AUBURN, approvals5
- BUFFALO, approvals3
- GLENARM, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| SPRINGFIELD | 184 | $69,895,400 |
| ROCHESTER | 13 | $2,923,900 |
| CHATHAM | 7 | $1,421,300 |
| AUBURN | 5 | $271,100 |
| BUFFALO | 3 | $167,500 |
| GLENARM | 2 | $542,800 |
| PLEASANT PLAINS | 2 | $117,400 |
| PAWNEE | 2 | $125,100 |
SPRINGFIELD accounts for 184 approvals against 13 in ROCHESTER. 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.
Sangamon County
How big is Sangamon County
- Land area868 sq mi
- Rank by land area among Illinois counties9th of 102
- Width, east to west41.3 mi
- Height, north to south31.4 mi
- Geographies sharing a boundary8
- Residents per square mile of land225
- Establishments per square mile5.67
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.
Sangamon County
What hazards affect Sangamon County
- EPA radon zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
- Communities in the NFIP Community Status Book19
- Of those, participating in the NFIP19
- 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 7
- 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 7, 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 Sangamon 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 Sangamon County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population194,947
- Households84,762
- Average household size2.30
- Median household income$75,357
- Median age41.0
Common questions
Sangamon County questions, answered from the record.
How many people live in Sangamon County, Illinois?
194,947, in 84,762 households, ranking 11th of 102 Illinois counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Sangamon County growing?
The population has fallen 1.05 percent since the 2020 census base. In 2024 there were 1,969 births against 2,108 deaths, with net migration of 266. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Sangamon County?
$75,357. The median owner-occupied home is valued at $176,300, which is 2.3 times income, and median gross rent is $983 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Sangamon County?
4,925 establishments, employing 80,005 people with an annual payroll of $4.30 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 Sangamon County?
Average annual pay is $69,350, or $1,334 a week, across 134,376 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Sangamon County?
228 7(a) approvals totalling $83.1 m since FY2020, across 36 lenders, with a median approval of $146,500, plus 115 504 approvals worth $55.9 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Sangamon County get paid back?
Of the 45 loans that have reached a final outcome, 42 were paid in full and 3 charged off, a charge off rate of 6.7 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Sangamon County?
191 housing units were authorised by permit in 2024, with a declared construction value of $51.8 m. Multifamily was 35.6 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Sangamon 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 Sangamon County come from?
The largest single origin is Sangamon County Non-migrants, with 80,551 households. Arriving households report an average income of $58,644 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 Sangamon 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 Sangamon 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.