HomeIllinoisChampaign CountyUrbana city
Urbana city, Illinois: commercial real estate data.
Urbana city is a Census city of 39,341 people across 11.84 square miles of land, in Champaign County. Median household income is $45,346, 37.3 percent of occupied homes are owned, and the SBA record carries 33 7(a) approvals to borrowers here worth $24.8 m.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Urbana
What Urbana is
- Census place typecity
- Land area11.84 sq mi
- Water area0.07 sq mi
- Population per square mile of land3,322
- County holding the largest share of its areaChampaign County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Urbana
How many people live in Urbana
- Population39,341
- Median age26.1
- Population under 185,179
- Share under 1813.2 percent
- Population 65 and over4,532
- Share 65 and over11.5 percent
- Households16,856
- Family households6,039
- Share of households that are families35.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Urbana
Income and work in Urbana
- Median household income$45,346
- Per capita income$32,592
- Civilian labor force20,316
- Employed19,358
- Unemployed958 plus or minus 336
- Unemployment rate4.7 percent plus or minus 1.6
- Adults 25 and over20,648
- Adults 25 and over with a high school diploma or higher94.1 percent
- Adults 25 and over with a bachelor degree or higher56.7 percent
- Adults 25 and over with a graduate degree36.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Urbana
Housing in Urbana
- Housing units19,228
- Occupied units16,856
- Vacant units2,372
- Vacancy rate12.3 percent
- Owner occupied6,287
- Renter occupied10,569
- Ownership rate37.3 percent
- Median owner-occupied home value$184,900
- Median gross rent, monthly$972
- Annual rent as a share of median income25.7 percent
- Single family units8,198
- Share single family42.6 percent
- Units in buildings of two or more10,954
- Share in buildings of two or more57.0 percent
- Mobile homes76 plus or minus 85
- Median year structure built1980
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Urbana
How Urbana gets to work
- Workers 16 and over who commute15,477
- Commuting under 15 minutes9,096
- Share commuting under 15 minutes58.8 percent
- Commuting 30 minutes or more1,309 plus or minus 277
- Share commuting 30 minutes or more8.5 percent
- Drove alone48.4 percent
- Carpooled7.9 percent plus or minus 1.9
- Public transport7.0 percent plus or minus 2.1
- Walked13.9 percent
- Worked from home18.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Urbana
SBA loans in Urbana (7(a))
- Approvals33
- Gross approval$24,793,300
- Average approval$751,312
- Median approval$249,600
- Ninetieth percentile approval$2,718,700
- Largest approval$5,000,000
- Jobs supported385
- Jobs per approval11.7
- Loans with a final outcome5
- Paid in full3
- Charged off2
- Median term120 months
- Share on real estate terms of 20 years or more27.3 percent
- Share to franchises27.3 percent
- Distinct lenders20
- Distinct industries by NAICS16
A charge-off rate is not published here. only 5 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Urbana
SBA loans in Urbana (504)
- Approvals14
- Gross approval$10,126,000
- Average approval$723,286
- Median approval$465,000
- Largest approval$2,628,000
- Jobs supported153
- Loans with a final outcome2
- Charged off0
- Median term240 months
- Distinct CDCs3
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Urbana
Flood risk in Urbana
- Listed NFIP communities1
- Of those, participating1
- NFIP community number170035
- Currently effective map date10/02/13
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Champaign County, not Urbana
Champaign County context, not Urbana figures
These are Champaign County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Urbana measurements.
- Establishments in Champaign County4,237
- Employment at those establishments, Champaign County73,261
- Covered employment, Champaign County94,777
- Average annual pay, Champaign County$64,216
- Average weekly wage, Champaign County$1,235
- Housing units permitted, Champaign County565
- Of those, single family, Champaign County196
- County product, 2024, Champaign County$15,449,512,000
- County product change over the prior year, Champaign County4.3 percent
- Average income of an arriving household, Champaign County$54,503
Every figure in this section is published for Champaign County as a whole and is not a measurement of Urbana. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
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.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Urbana questions, answered from the record.
How many people live in Urbana, Illinois?
39,341, in 16,856 households. Urbana city covers 11.84 square miles of land, which is 3,322 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Urbana in?
Champaign County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Urbana?
$45,346. The median owner-occupied home is valued at $184,900. Median gross rent is $972 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Urbana businesses?
33 7(a) approvals totalling $24.8 m, across 20 lenders, median approval $249,600, plus 14 504 approvals worth $10.1 m. These count approvals to borrowers whose address is in Urbana, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Urbana borrowers get paid back?
No rate is published for Urbana. only 5 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Urbana in the National Flood Insurance Program?
Yes. Urbana appears in the FEMA Community Status Book as community 170035, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Urbana figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Champaign County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Urbana.
Is zoning published for Urbana?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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