Adams County, Illinois: commercial real estate data.
Adams County, Illinois had an estimated 64,109 residents on July 1, 2024, down 2.5 percent since the 2020 census base of 65,736, across 855 square miles. County output reached $4.66 bn in 2024, 1,787 establishments operate here, and the SBA record carries 30 7(a) approvals worth $12.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Adams County
How many people live in Adams County
- Population, American Community Survey 2020-202464,754
- Households27,915
- Average household size2.32
- Median household income$66,220
- Median age41.4
- Median gross rent$828 per month
- Median owner-occupied home value$162,600
- Home value to household income2.5 times
- Annual rent as a share of median income15.0 percent
- Adults 25 and over with a bachelor degree or higher27.5 percent
- Adults 25 and over with a graduate degree8.8 percent
- Adults 25 and over45,024
- Population under 1814,578
- Share under 1822.5 percent
- Population 65 and over13,317
- Share 65 and over20.6 percent
- Working age population, 18 to 6436,859
- Civilian labor force33,880
- Unemployment rate3.9 percent
- Labor force participation, adults 18 and over67.5 percent
- Rank by population among Illinois counties23rd of 102
- Rank by population among US county-equivalents, Puerto Rico included854th of 3,222
Adams County is the 23rd largest of 102 Illinois counties by population. A median home costs 2.5 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 22.5 percent against 20.6 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Adams County
Is Adams County's population growing?
- Population, July 1, 202464,109
- Census 2020 base population65,736
- Population change since the 2020 census base-2.48 percent
- Population change, 2023 to 2024-326
- Births, 2024668
- Deaths, 2024764
- Natural change, 2024-96
- Net domestic migration, 2024-277
- Net international migration, 202447
- Total net migration, 2024-230
- Cumulative net domestic migration, 2021 to 2024-953
- Rank by growth among US county-equivalents2625th of 3,144
The county has lost 2.48 percent of its population since the 2020 census base. The population fell in 2024 from both sources: deaths exceeded births and more people left than moved in.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Adams County
Where are people moving to Adams County from?
- Tax returns filed by households arriving1,038
- People arriving, from those returns1,844
- Tax returns filed by households leaving1,169
- Net household movement-131
- Adjusted gross income arriving$61.9 m
- Net adjusted gross income movement$-43.3 m
- Average income of an arriving household$59,602
- Average income of a leaving household$89,938
- Largest single originMarion County (87 households)
- Largest single destinationMarion County (102 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Marion County | 87 | 148 | $4.0 m |
| Pike County | 57 | 104 | $2.7 m |
| Lewis County | 50 | 93 | $1.9 m |
| Hancock County | 44 | 84 | $1.9 m |
| Sangamon County | 37 | 64 | $2.3 m |
| McDonough County | 23 | 37 | $852,000 |
| Brown County | 22 | 45 | $981,000 |
Households arriving report $30,336 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Marion County, 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.
Adams County
What is the Adams County economy?
- County GDP, 2024$4.66 bn
- County GDP, 2023$4.52 bn
- GDP change, 2023 to 20243.1 percent
- GDP change over five years34.1 percent
- Rank by GDP among the Illinois areas BEA publishes22nd of 102
- Rank by GDP among the US county areas BEA publishes744th of 3,127
- GDP per resident$71,982
Output grew 3.1 percent in the latest year and 34.1 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.
Adams County
Employment by industry in Adams County
- Covered employment, annual average32,154
- Establishments reporting1,747
- Average annual pay$54,986
- Average weekly wage$1,057
- Health care and social assistance, employment6,705
- Health care and social assistance, average annual pay$71,854
- Manufacturing, employment4,466
- Manufacturing, average annual pay$69,555
- Retail trade, employment4,040
- Retail trade, average annual pay$35,220
- Accommodation and food services, employment2,636
- Accommodation and food services, average annual pay$21,593
- Wholesale trade, employment1,869
- Finance and insurance, employment1,511
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 6,705 | 146 | $71,854 |
| Manufacturing | 4,466 | 88 | $69,555 |
| Retail trade | 4,040 | 223 | $35,220 |
| Accommodation and food services | 2,636 | 148 | $21,593 |
| Wholesale trade | 1,869 | 100 | $61,758 |
| Finance and insurance | 1,511 | 97 | $67,831 |
| Construction | 1,256 | 220 | $62,774 |
| Other services, except public administration | 1,135 | 174 | $39,594 |
Health care and social assistance is the largest private sector at 6,705 jobs, 20.9 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Adams County
How many businesses are in Adams County?
- Establishments, all industries1,787
- Employment at those establishments31,699
- Annual payroll$1.76 bn
- Establishments per 1,000 residents27.6
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Adams County
Building permits in Adams County
- Housing units authorized by permit, 202469
- Declared construction value permitted$14.4 m
- Single family units authorized33
- Multifamily units authorized36
- Multifamily share of units52.2 percent
- Average declared value per unit$208,529
- Units authorized per 1,000 households2.5
Multifamily is 52.2 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Adams County
SBA loans in Adams County (7(a) and 504)
- 7(a) approvals recorded30
- 7(a) gross approval dollars$12.2 m
- Average 7(a) approval$405,053
- Median 7(a) approval$174,000
- 10th percentile approval$26,800
- 90th percentile approval$671,100
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)341
- Jobs per approval11.4
- Distinct 7(a) lenders active11
- Distinct industries receiving approvals18
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer10.0 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter23
- Franchise loans3
- Franchise share of approvals10.0 percent
- Most active lenderFirst Mid Bank & Trust, National Association (14)
- 504 approvals recorded15
- 504 gross approval dollars$10.9 m
- Average 504 approval$727,467
- Median 504 approval$332,000
- Distinct CDCs active3
- 504 jobs per approval7.0
- 504 jobs per million dollars approved9.6
- Most active CDCSomerCor 504, Inc. (9)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$23.1 m
The average approval of $405,053 sits well above the median of $174,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 10.0 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.
Adams County
SBA loan default and charge-off rates in Adams County
Do SBA loans in Adams County get paid back?
- Loans with a final outcome recorded8
- Paid in full8
- Charged off0
- Status: Exempt from disclosure20
- Status: Cancelled2
- Status: Paid in full8
Only 8 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Adams County
SBA lending by place in Adams County
- Borrower cities with recorded lending5
- Quincy, approvals24
- Camp Point, approvals2
- Coatsburg, approvals2
- Hull, approvals1
- Ursa, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Quincy | 24 | $11,350,100 |
| Camp Point | 2 | $210,000 |
| Coatsburg | 2 | $106,000 |
| Hull | 1 | $275,000 |
| Ursa | 1 | $210,500 |
Quincy accounts for 24 approvals against 2 in Camp Point. 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.
Adams County
How large is Adams County?
- Land area855 sq mi
- Rank by land area among Illinois counties12th of 102
- Width, east to west31.9 mi
- Height, north to south30.7 mi
- Geographies sharing a boundary6
- Residents per square mile of land76
- Establishments per square mile2.09
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.
Adams County
Flood risk in Adams County
- Participation of the county's own NFIP community Adams County, unincorporated areasParticipating, community 170001
- Community Rating System class of the county's own communityClass 8
- Communities in the county in the NFIP Community Status Book3
- Of those, participating in the NFIP2
- NFIP participation rate66.7 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 8
- Communities carrying a CRS class1
- Radon levels in Adams County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The county's own community in the status book, unincorporated Adams County (community 170001), participates in the National Flood Insurance Program and carries Community Rating System class 8, a flood insurance premium discount for policies written there. The EPA places Adams County in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. The best Community Rating System class among the county's communities is 8, which carries a flood insurance premium discount for policies written in that community. 66.7 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Feasibility studies
When a Adams 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 Adams County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202464,754
- Households27,915
- Average household size2.32
- Median household income$66,220
- Median age41.4
Common questions
Adams County questions, answered from the record.
How many people live in Adams County, Illinois?
The Census Bureau estimates 64,109 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 64,754, in 27,915 households, ranking 23rd of 102 Illinois counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Adams County's population growing?
The population has fallen 2.48 percent since the 2020 census base of 65,736, to 64,109 on July 1, 2024. In 2024 there were 668 births against 764 deaths, with net migration of -230. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Adams County?
$66,220. The median owner-occupied home is valued at $162,600, which is 2.5 times income, and median gross rent is $828 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Adams County?
1,787 establishments, employing 31,699 people with an annual payroll of $1.76 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Adams County?
Health care and social assistance is the largest private sector at 6,705 jobs, 20.9 percent of covered employment. Covered employment averages 32,154 jobs at an average annual pay of $54,986, or $1,057 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Adams County?
30 7(a) approvals totaling $12.2 m since FY2020, across 11 lenders, with a median approval of $174,000, plus 15 504 approvals worth $10.9 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Adams County?
69 housing units were authorized by permit in 2024, with a declared construction value of $14.4 m. Multifamily was 52.2 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Adams 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 Adams County come from?
The largest single origin is Marion County, with 87 households. Arriving households report an average income of $59,602 against $89,938 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Adams 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 Adams County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Adams County
Cities and places in Adams.
25 Census places lie wholly or partly in Adams County. 21 carry enough published place level data for a page of their own and are linked. The rest are named here and not linked, because the American Community Survey and the SBA record between them do not carry enough about them to write an honest page. A place existing is itself worth knowing, so nothing in the county is left out.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Quincy | city | 39,109 | 24 | Wholly in this county |
| Camp Point | village | 1,230 | 2 | Wholly in this county |
| Mendon | village | 1,167 | None recorded | Wholly in this county |
| Payson | village | 1,100 | None recorded | Wholly in this county |
| Ursa | village | 726 | 1 | Wholly in this county |
| Golden | village | 693 | None recorded | Wholly in this county |
| Clayton | village | 602 | None recorded | Wholly in this county |
| Liberty | village | 409 | None recorded | Wholly in this county |
| Loraine | village | 341 | None recorded | Wholly in this county |
| Lima | village | 224 | None recorded | Wholly in this county |
| Coatsburg | village | 209 | 2 | Wholly in this county |
| Plainville | village | 183 | None recorded | Wholly in this county |
| Paloma | CDP | 161 | None recorded | Wholly in this county |
| Burton | CDP | 149 | None recorded | Wholly in this county |
| Kingston | CDP | 132 | None recorded | Wholly in this county |
| Adams | CDP | 106 | None recorded | Wholly in this county |
| Columbus | village | 106 | None recorded | Wholly in this county |
| La Prairie | village | 48 | None recorded | Wholly in this county |
| Marcelline | CDP | 33 | None recorded | Wholly in this county |
| Fowler | CDP | 32 | None recorded | Wholly in this county |
| Meyer | CDP | 22 | None recorded | Wholly in this county |
| Beverly | CDP | 0 | None recorded | Wholly in this county |
| Bloomfield | CDP | 0 | None recorded | Wholly in this county |
| Fall Creek | CDP | 0 | None recorded | Wholly in this county |
| Richfield | CDP | 0 | None recorded | Wholly in this county |
A further 1 of the county's 30 SBA 7(a) approvals are to borrowers in cities that match no Census place in Adams County, the largest being Hull (1). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.