Christian County, Illinois: commercial real estate data.
Christian County, Illinois had an estimated 33,247 residents on July 1, 2024, down 2.4 percent since the 2020 census base of 34,059, across 709 square miles. County output reached $1.97 bn in 2024, 709 establishments operate here, and the SBA record carries 28 7(a) approvals worth $8.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Christian County
How many people live in Christian County
- Population, American Community Survey 2020-202433,538
- Households13,586
- Average household size2.47
- Median household income$62,611
- Median age43.2
- Median gross rent$785 per month
- Median owner-occupied home value$115,500
- Home value to household income1.8 times
- Annual rent as a share of median income15.0 percent
- Adults 25 and over with a bachelor degree or higher17.1 percent
- Adults 25 and over with a graduate degree5.0 percent
- Adults 25 and over24,493
- Population under 186,482
- Share under 1819.3 percent
- Population 65 and over6,797
- Share 65 and over20.3 percent
- Working age population, 18 to 6420,259
- Civilian labor force15,805
- Unemployment rate4.6 percent
- Labor force participation, adults 18 and over58.4 percent
- Rank by population among Illinois counties43rd of 102
- Rank by population among US county-equivalents, Puerto Rico included1383rd of 3,222
Christian County is the 43rd largest of 102 Illinois counties by population. A median home costs 1.8 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 20.3 percent against 19.3 percent, which points demand at health care, services and single story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Christian County
Is Christian County's population growing?
- Population, July 1, 202433,247
- Census 2020 base population34,059
- Population change since the 2020 census base-2.38 percent
- Population change, 2023 to 2024-72
- Births, 2024329
- Deaths, 2024399
- Natural change, 2024-70
- Net domestic migration, 2024-6
- Net international migration, 20243
- Total net migration, 2024-3
- Cumulative net domestic migration, 2021 to 2024-185
- Rank by growth among US county-equivalents2592nd of 3,144
The county has lost 2.38 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.
Christian County
Where are people moving to Christian County from?
- Tax returns filed by households arriving627
- People arriving, from those returns1,043
- Tax returns filed by households leaving603
- Net household movement24
- Adjusted gross income arriving$38.8 m
- Net adjusted gross income movement$7.9 m
- Average income of an arriving household$61,955
- Average income of a leaving household$51,264
- Largest single originSangamon County (114 households)
- Largest single destinationSangamon County (123 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Sangamon County | 114 | 194 | $16.2 m |
| Shelby County | 62 | 108 | $3.3 m |
| Macon County | 60 | 100 | $3.1 m |
| Montgomery County | 46 | 87 | $2.0 m |
Households arriving report $10,691 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Sangamon 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.
Christian County
What is the Christian County economy?
- County GDP, 2024$1.97 bn
- County GDP, 2023$1.97 bn
- GDP change, 2023 to 2024-0.2 percent
- GDP change over five years37.5 percent
- Rank by GDP among the Illinois areas BEA publishes40th of 102
- Rank by GDP among the US county areas BEA publishes1299th of 3,127
- GDP per resident$58,733
Output grew -0.2 percent in the latest year and 37.5 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.
Christian County
Employment by industry in Christian County
- Covered employment, annual average9,353
- Establishments reporting706
- Average annual pay$51,042
- Average weekly wage$982
- Health care and social assistance, employment1,399
- Health care and social assistance, average annual pay$50,843
- Manufacturing, employment1,280
- Manufacturing, average annual pay$72,456
- Retail trade, employment1,207
- Retail trade, average annual pay$32,139
- Accommodation and food services, employment945
- Accommodation and food services, average annual pay$18,961
- Wholesale trade, employment588
- Construction, employment348
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 1,399 | 49 | $50,843 |
| Manufacturing | 1,280 | 21 | $72,456 |
| Retail trade | 1,207 | 99 | $32,139 |
| Accommodation and food services | 945 | 72 | $18,961 |
| Wholesale trade | 588 | 35 | $75,549 |
| Construction | 348 | 84 | $59,853 |
| Finance and insurance | 333 | 40 | $57,858 |
| Other services, except public administration | 220 | 52 | $31,676 |
Health care and social assistance is the largest private sector at 1,399 jobs, 15.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Christian County
How many businesses are in Christian County?
- Establishments, all industries709
- Employment at those establishments7,410
- Annual payroll$388.7 m
- Establishments per 1,000 residents21.1
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.
Christian County
Building permits in Christian County
- Housing units authorized by permit, 202463
- Declared construction value permitted$24.1 m
- Single family units authorized63
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$382,719
- Units authorized per 1,000 households4.6
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.
Christian County
SBA loans in Christian County (7(a) and 504)
- 7(a) approvals recorded28
- 7(a) gross approval dollars$8.3 m
- Average 7(a) approval$295,311
- Median 7(a) approval$104,000
- 10th percentile approval$27,210
- 90th percentile approval$868,000
- Largest single approval$1,791,500
- Jobs reported supported, 7(a)267
- Jobs per approval9.5
- Distinct 7(a) lenders active9
- Distinct industries receiving approvals19
- Median 7(a) term86 months
- Share of loans on real estate terms, 240 months or longer21.4 percent
- Loans on real estate terms6
- Loans on working capital terms, 120 months or shorter20
- Franchise loans3
- Franchise share of approvals10.7 percent
- Leading industry by approval countGeneral Freight Trucking, Local (6)
- Most active lenderPeoples Bank & Trust (12)
- 504 approvals recorded3
- 504 gross approval dollars$780,000
- Average 504 approval$260,000
- Median 504 approval$245,000
- Distinct CDCs active3
- 504 jobs per approval7.0
- 504 jobs per million dollars approved26.9
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$9.0 m
The average approval of $295,311 sits well above the median of $104,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 21.4 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.
Christian County
SBA loan default and charge-off rates in Christian County
Do SBA loans in Christian County get paid back?
- Loans with a final outcome recorded8
- Paid in full7
- Charged off1
- Status: Paid in full7
- Status: Exempt from disclosure14
- Status: Charged off1
- Status: Cancelled4
- Status: Committed, not yet disbursed2
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.
Christian County
SBA lending by place in Christian County
- Borrower cities with recorded lending4
- Taylorville, approvals20
- Pana, approvals6
- Moweaqua, approvals1
- Edinburg, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Taylorville | 20 | $4,704,700 |
| Pana | 6 | $3,477,000 |
| Moweaqua | 1 | $70,000 |
| Edinburg | 1 | $17,000 |
Taylorville accounts for 20 approvals against 6 in Pana. 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.
Christian County
How large is Christian County?
- Land area709 sq mi
- Rank by land area among Illinois counties24th of 102
- Width, east to west27.1 mi
- Height, north to south33.1 mi
- Geographies sharing a boundary4
- Residents per square mile of land47
- Establishments per square mile1.00
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.
Christian County
Flood risk in Christian County
- Participation of the county's own NFIP community Christian County, unincorporated areasParticipating, community 170926
- Communities in the county in the NFIP Community Status Book7
- Of those, participating in the NFIP5
- NFIP participation rate71.4 percent
- Communities carrying a CRS class0
- Radon levels in Christian County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The county's own community in the status book, unincorporated Christian County (community 170926), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Christian County in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 71.4 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 Christian 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 Christian County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202433,538
- Households13,586
- Average household size2.47
- Median household income$62,611
- Median age43.2
Common questions
Christian County questions, answered from the record.
How many people live in Christian County, Illinois?
The Census Bureau estimates 33,247 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 33,538, in 13,586 households, ranking 43rd of 102 Illinois counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Christian County's population growing?
The population has fallen 2.38 percent since the 2020 census base of 34,059, to 33,247 on July 1, 2024. In 2024 there were 329 births against 399 deaths, with net migration of -3. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Christian County?
$62,611. The median owner-occupied home is valued at $115,500, which is 1.8 times income, and median gross rent is $785 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Christian County?
709 establishments, employing 7,410 people with an annual payroll of $388.7 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 Christian County?
Health care and social assistance is the largest private sector at 1,399 jobs, 15.0 percent of covered employment. Covered employment averages 9,353 jobs at an average annual pay of $51,042, 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 Christian County?
28 7(a) approvals totaling $8.3 m since FY2020, across 9 lenders, with a median approval of $104,000, plus 3 504 approvals worth $780,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Christian County?
63 housing units were authorized by permit in 2024, with a declared construction value of $24.1 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Christian County?
Zone 2, a predicted average indoor radon screening level from 2 to 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 Christian County come from?
The largest single origin is Sangamon County, with 114 households. Arriving households report an average income of $61,955 against $51,264 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Christian 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 Christian 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.
Christian County
Cities and places in Christian.
16 Census places lie wholly or partly in Christian County. All 16 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 |
|---|---|---|---|---|
| Taylorville | city | 10,646 | 20 | Wholly in this county |
| Pana | city | 5,217 | 6 | 79.0 percent here, 21.0 percent Shelby County |
| Moweaqua | village | 1,915 | 1 | 21.5 percent here, 78.5 percent Shelby County |
| Kincaid | village | 1,278 | None recorded | Wholly in this county |
| Assumption | city | 1,205 | None recorded | Wholly in this county |
| Edinburg | village | 1,195 | 1 | Wholly in this county |
| Morrisonville | village | 926 | None recorded | Wholly in this county |
| Stonington | village | 655 | None recorded | Wholly in this county |
| Tovey | village | 629 | None recorded | Wholly in this county |
| Owaneco | village | 613 | None recorded | Wholly in this county |
| Mount Auburn | village | 399 | None recorded | Wholly in this county |
| Langleyville | CDP | 282 | None recorded | Wholly in this county |
| Palmer | village | 241 | None recorded | Wholly in this county |
| Harvel | village | 201 | None recorded | 38.4 percent here, 61.6 percent Montgomery County |
| Bulpitt | village | 185 | None recorded | Wholly in this county |
| Jeisyville | village | 90 | None recorded | Wholly in this county |
Nearby