Cass County, Illinois: commercial real estate data.
Cass County, Illinois had an estimated 12,713 residents on July 1, 2024, down 2.5 percent since the 2020 census base of 13,034, across 376 square miles. County output reached $883.5 m in 2024, 241 establishments operate here, and the SBA record carries 1 7(a) approvals worth $623,700 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Cass County
How many people live in Cass County
- Population, American Community Survey 2020-202412,784
- Households5,128
- Average household size2.49
- Median household income$68,125
- Median age38.3
- Median gross rent$723 per month
- Median owner-occupied home value$97,100
- Home value to household income1.4 times
- Annual rent as a share of median income12.7 percent
- Adults 25 and over with a bachelor degree or higher20.8 percent
- Adults 25 and over with a graduate degree6.0 percent
- Adults 25 and over8,657
- Population under 183,119
- Share under 1824.4 percent
- Population 65 and over2,307
- Share 65 and over18.0 percent
- Working age population, 18 to 647,358
- Civilian labor force5,869
- Unemployment rate4.2 percent
- Labor force participation, adults 18 and over60.7 percent
- Rank by population among Illinois counties81st of 102
- Rank by population among US county-equivalents, Puerto Rico included2298th of 3,222
Cass County is the 81st largest of 102 Illinois counties by population. A median home costs 1.4 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 24.4 percent against 18.0 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Cass County
Is Cass County's population growing?
- Population, July 1, 202412,713
- Census 2020 base population13,034
- Population change since the 2020 census base-2.46 percent
- Population change, 2023 to 2024-66
- Births, 2024163
- Deaths, 2024132
- Natural change, 202431
- Net domestic migration, 2024-339
- Net international migration, 2024243
- Total net migration, 2024-96
- Cumulative net domestic migration, 2021 to 2024-921
- Rank by growth among US county-equivalents2618th of 3,144
The county has lost 2.46 percent of its population since the 2020 census base. More people left than moved in during 2024 and births over deaths did not make up the difference, so the population fell.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Cass County
Where are people moving to Cass County from?
- Tax returns filed by households arriving282
- People arriving, from those returns500
- Tax returns filed by households leaving360
- Net household movement-78
- Adjusted gross income arriving$10.7 m
- Net adjusted gross income movement$-5.8 m
- Average income of an arriving household$37,915
- Average income of a leaving household$45,761
- Largest single originMorgan County (41 households)
- Largest single destinationSangamon County (57 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Morgan County | 41 | 78 | $1.6 m |
| Sangamon County | 38 | 58 | $1.7 m |
| Schuyler County | 21 | 42 | $682,000 |
Households arriving report $7,846 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Morgan 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.
Cass County
What is the Cass County economy?
- County GDP, 2024$883.5 m
- County GDP, 2023$886.0 m
- GDP change, 2023 to 2024-0.3 percent
- GDP change over five years30.2 percent
- Rank by GDP among the Illinois areas BEA publishes64th of 102
- Rank by GDP among the US county areas BEA publishes1943rd of 3,127
- GDP per resident$69,113
Output grew -0.3 percent in the latest year and 30.2 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.
Cass County
Employment by industry in Cass County
- Covered employment, annual average5,143
- Establishments reporting266
- Average annual pay$51,068
- Average weekly wage$982
- Retail trade, employment444
- Retail trade, average annual pay$29,662
- Health care and social assistance, employment289
- Health care and social assistance, average annual pay$37,895
- Finance and insurance, employment216
- Finance and insurance, average annual pay$60,162
- Construction, employment158
- Construction, average annual pay$51,424
- Real estate and rental and leasing, employment9
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 444 | 36 | $29,662 |
| Health care and social assistance | 289 | 19 | $37,895 |
| Finance and insurance | 216 | 16 | $60,162 |
| Construction | 158 | 31 | $51,424 |
| Real estate and rental and leasing | 9 | 4 | $67,147 |
Retail trade is the largest private sector at 444 jobs, 8.6 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Cass County
How many businesses are in Cass County?
- Establishments, all industries241
- Employment at those establishments4,319
- Annual payroll$241.5 m
- Establishments per 1,000 residents18.9
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.
Cass County
Building permits in Cass County
- Housing units authorized by permit, 20241
- Declared construction value permitted$90,000
- Single family units authorized1
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$90,000
- Units authorized per 1,000 households0.2
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Cass County
SBA loans in Cass County (7(a) and 504)
- 7(a) approvals recorded1
- 7(a) gross approval dollars$623,700
- Average 7(a) approval$623,700
- Median 7(a) approval$623,700
- Largest single approval$623,700
- Jobs reported supported, 7(a)6
- Jobs per approval6.0
- Distinct 7(a) lenders active1
- Distinct industries receiving approvals1
- Median 7(a) term300 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 loans0
- Franchise share of approvals0.0 percent
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cass County
SBA loan default and charge-off rates in Cass County
Do SBA loans in Cass County get paid back?
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Cancelled1
Only 0 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.
Cass County
How large is Cass County?
- Land area376 sq mi
- Rank by land area among Illinois counties79th of 102
- Width, east to west31.2 mi
- Height, north to south17.4 mi
- Geographies sharing a boundary6
- Residents per square mile of land34
- Establishments per square mile0.64
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.
Cass County
Flood risk in Cass County
- Participation of the county's own NFIP community Cass County, unincorporated areasParticipating, community 170810
- Communities in the county in the NFIP Community Status Book6
- Of those, participating in the NFIP6
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Cass 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 Cass County (community 170810), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Cass 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. 100.0 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 Cass 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 Cass County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202412,784
- Households5,128
- Average household size2.49
- Median household income$68,125
- Median age38.3
Common questions
Cass County questions, answered from the record.
How many people live in Cass County, Illinois?
The Census Bureau estimates 12,713 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 12,784, in 5,128 households, ranking 81st of 102 Illinois counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Cass County's population growing?
The population has fallen 2.46 percent since the 2020 census base of 13,034, to 12,713 on July 1, 2024. In 2024 there were 163 births against 132 deaths, with net migration of -96. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Cass County?
$68,125. The median owner-occupied home is valued at $97,100, which is 1.4 times income, and median gross rent is $723 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Cass County?
241 establishments, employing 4,319 people with an annual payroll of $241.5 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Cass County?
Retail trade is the largest private sector at 444 jobs, 8.6 percent of covered employment. Covered employment averages 5,143 jobs at an average annual pay of $51,068, or $982 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Cass County?
1 7(a) approvals totaling $623,700 since FY2020, across 1 lenders, with a median approval of $623,700. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Cass County?
1 housing units were authorized by permit in 2024, with a declared construction value of $90,000. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Cass 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 Cass County come from?
The largest single origin is Morgan County, with 41 households. Arriving households report an average income of $37,915 against $45,761 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Cass 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 Cass 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.
Cass County
Cities and places in Cass.
5 Census places lie wholly or partly in Cass County. All 5 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Beardstown | city | 6,169 | 1 | Wholly in this county |
| Virginia | city | 1,543 | None recorded | Wholly in this county |
| Ashland | village | 999 | None recorded | Wholly in this county |
| Chandlerville | village | 534 | None recorded | Wholly in this county |
| Arenzville | village | 342 | None recorded | Wholly in this county |
Nearby