White County, Indiana: commercial real estate data.
White County, Indiana has a population of 24,717 across 505 square miles, up 0.6 percent since the 2020 census base. County output reached $1.51 bn in 2024, 589 establishments operate here, and the SBA record carries 11 7(a) approvals worth $5.5 m.
119 sourced county values · tier FULL · 11 sections
White County
How many people live in White County
- Population24,717
- Households10,254
- Average household size2.41
- Median household income$67,303
- Median age42.8
- Median gross rent$901 per month
- Median owner-occupied home value$175,900
- Home value to household income2.6 times
- Annual rent as a share of median income16.1 percent
- Adults 25 and over with a bachelor degree or higher19.2 percent
- Adults 25 and over with a graduate degree5.1 percent
- Adults 25 and over17,152
- Population under 185,705
- Share under 1823.1 percent
- Population 65 and over5,232
- Share 65 and over21.2 percent
- Working age population, 18 to 6413,780
- Civilian labor force12,037
- Unemployment rate3.5 percent
- Labor force participation, adults 18 and over63.3 percent
- Rank by population among Indiana counties62nd of 92
- Rank by population among US county-equivalents1673rd
White County is the 62nd largest of 92 Indiana counties by population. A median home costs 2.6 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 23.1 percent against 21.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
White County
Is White County growing
- Population change since the 2020 census base0.55 percent
- Census 2020 base population24,698
- Births, 2024254
- Deaths, 2024249
- Natural change, 20245
- Net domestic migration, 2024-88
- Net international migration, 2024141
- Total net migration, 202453
- Cumulative net domestic migration, 2021 to 2024-56
- Rank by growth among US county-equivalents1632nd
The county has grown 0.55 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.
White County
Where people moving to White County come from
- Tax returns filed by households arriving732
- People arriving, from those returns1,314
- Adjusted gross income arriving$41.9 m
- Net adjusted gross income movement$0
- Average income of an arriving household$57,270
- Largest single originWhite County Non-migrants (9,572 households)
- Largest single destination (9,572 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| White County Non-migrants | 9,572 | 19,661 | $671.6 m |
| Tippecanoe County | 176 | 314 | $7.8 m |
| Other flows - Different State | 156 | 284 | $10.8 m |
| Other flows - Same State | 143 | 256 | $8.5 m |
| Carroll County | 95 | 171 | $5.4 m |
| Other flows - South | 68 | 126 | $3.1 m |
| Other flows - Midwest | 60 | 111 | $5.5 m |
| Jasper County | 34 | 70 | $2.5 m |
The largest single source of arrivals is White 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.
White County
What the White County economy runs on
- County GDP, 2024$1.51 bn
- County GDP, 2023$1.52 bn
- GDP change, 2023 to 2024-0.5 percent
- GDP change over five years39.2 percent
- Rank by GDP among Indiana counties57th
- Rank by GDP among US county-equivalents1511th
- GDP per resident$61,267
Output grew -0.5 percent in the latest year and 39.2 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.
White County
Who employs people in White County
- Covered employment, annual average8,815
- Establishments reporting706
- Average annual pay$48,614
- Average weekly wage$935
- Sector 31-33, employment2,496
- Sector 31-33, average annual pay$60,471
- Sector 44-45, employment1,043
- Sector 44-45, average annual pay$35,455
- Sector 62, employment727
- Sector 62, average annual pay$44,906
- Sector 72, employment639
- Sector 72, average annual pay$18,412
- Sector 23, employment300
- Sector 42, employment295
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 2,496 | 42 | $60,471 |
| Sector 44-45 | 1,043 | 92 | $35,455 |
| Sector 62 | 727 | 38 | $44,906 |
| Sector 72 | 639 | 52 | $18,412 |
| Sector 23 | 300 | 82 | $51,641 |
| Sector 42 | 295 | 43 | $63,946 |
| Sector 48-49 | 263 | 46 | $62,284 |
| Sector 56 | 251 | 37 | $39,522 |
The largest sector is the biggest private employer group at 2,496 jobs, 28.3 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.
White County
What businesses operate in White County
- Establishments, all industries589
- Employment at those establishments8,057
- Annual payroll$383.9 m
- Establishments per 1,000 residents23.8
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.
White County
What is being built in White County
- Housing units authorised by permit, 202447
- Declared construction value permitted$17.2 m
- Single family units authorised47
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$365,134
- Units authorised per 1,000 households4.6
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
White County
How much SBA lending happens in White County
- 7(a) approvals recorded11
- 7(a) gross approval dollars$5.5 m
- Average 7(a) approval$498,855
- Median 7(a) approval$200,000
- 10th percentile approval$50,000
- 90th percentile approval$1,150,000
- Largest single approval$1,175,000
- Jobs reported supported, 7(a)53
- Jobs per approval4.8
- Distinct 7(a) lenders active9
- Distinct industries receiving approvals10
- Median 7(a) term179 months
- Share of loans on real estate terms, 240 months or longer27.3 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter5
- Franchise loans3
- Franchise share of approvals27.3 percent
- Leading industry by approval countAll Other General Merchandise Retailers (2)
- Most active lenderByline Bank (2)
- 504 approvals recorded10
- 504 gross approval dollars$5.1 m
- Average 504 approval$512,600
- Median 504 approval$259,000
- Distinct CDCs active4
- 504 jobs per approval4.7
- 504 jobs per million dollars approved9.2
- Most active CDCPremier Capital Corporation (4)
- 7(a) share of SBA approvals52.4 percent
- Combined SBA approval dollars$10.6 m
The average approval of $498,855 sits well above the median of $200,000, 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 27.3 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.
White County
Do SBA loans in White County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Exempt from disclosure9
- Status: Committed, not yet disbursed1
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.
White County
Which parts of White County get the lending
- Places in the county with recorded lending5
- Monticello, approvals5
- BROOKSTON, approvals3
- WOLCOTT, approvals1
- Burnettsville, approvals1
- REYNOLDS, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Monticello | 5 | $1,616,600 |
| BROOKSTON | 3 | $1,457,000 |
| WOLCOTT | 1 | $1,175,000 |
| Burnettsville | 1 | $88,800 |
| REYNOLDS | 1 | $1,150,000 |
Monticello accounts for 5 approvals against 3 in BROOKSTON. 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.
White County
How big is White County
- Land area505 sq mi
- Rank by land area among Indiana counties9th of 92
- Width, east to west27.2 mi
- Height, north to south24.2 mi
- Geographies sharing a boundary6
- Residents per square mile of land49
- Establishments per square mile1.17
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.
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 NFIP communities are listed for this county in the FEMA Community Status Book.
- 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 White 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 White County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population24,717
- Households10,254
- Average household size2.41
- Median household income$67,303
- Median age42.8
Common questions
White County questions, answered from the record.
How many people live in White County, Indiana?
24,717, in 10,254 households, ranking 62nd of 92 Indiana counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is White County growing?
The population has grown 0.55 percent since the 2020 census base. In 2024 there were 254 births against 249 deaths, with net migration of 53. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in White County?
$67,303. The median owner-occupied home is valued at $175,900, which is 2.6 times income, and median gross rent is $901 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in White County?
589 establishments, employing 8,057 people with an annual payroll of $383.9 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 White County?
Average annual pay is $48,614, or $935 a week, across 8,815 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in White County?
11 7(a) approvals totalling $5.5 m since FY2020, across 9 lenders, with a median approval of $200,000, plus 10 504 approvals worth $5.1 m. These are approvals recorded in the release, not loans disbursed.
What is being built in White County?
47 housing units were authorised by permit in 2024, with a declared construction value of $17.2 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for White 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 White County come from?
The largest single origin is White County Non-migrants, with 9,572 households. Arriving households report an average income of $57,270 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 White 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 White 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.