HomeIllinoisClay CountyFlora city
Flora city, Illinois: commercial real estate data.
Flora city is a Census city of 4,475 people across 4.69 square miles of land, in Clay County. Median household income is $47,148, 76.2 percent of occupied homes are owned, and the SBA record carries 1 7(a) approvals to borrowers here worth $500,000.
70 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Flora
What Flora is
- Census place typecity
- Land area4.69 sq mi
- Water area0 sq mi
- Population per square mile of land954
- County holding the largest share of its areaClay 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.
Flora
How many people live in Flora
- Population4,475
- Median age39.3
- Population under 18940 plus or minus 235
- Share under 1821.0 percent plus or minus 4.9
- Population 65 and over997 plus or minus 240
- Share 65 and over22.3 percent plus or minus 5.0
- Households1,957
- Family households991
- Share of households that are families50.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Flora
Income and work in Flora
- Median household income$47,148 plus or minus $15,588
- Per capita income$27,418
- Civilian labor force2,007
- Employed1,926
- Unemployed81 plus or minus 87
- Unemployment rate4.0 percent plus or minus 4.3
- Adults 25 and over3,214
- Adults 25 and over with a high school diploma or higher91.3 percent
- Adults 25 and over with a bachelor degree or higher12.3 percent plus or minus 5.3
- Adults 25 and over with a graduate degree3.7 percent plus or minus 2.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Flora
Housing in Flora
- Housing units2,370
- Occupied units1,957
- Vacant units413 plus or minus 211
- Vacancy rate17.4 percent plus or minus 8.7
- Owner occupied1,491
- Renter occupied466 plus or minus 183
- Ownership rate76.2 percent
- Median owner-occupied home value$77,300
- Median gross rent, monthly$745
- Annual rent as a share of median income19.0 percent plus or minus 6.4
- Single family units1,996
- Share single family84.2 percent
- Units in buildings of two or more238 plus or minus 125
- Share in buildings of two or more10.0 percent plus or minus 5.2
- Mobile homes136 plus or minus 83
- Median year structure built1958
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Flora
How Flora gets to work
- Workers 16 and over who commute1,861
- Commuting under 15 minutes1,144 plus or minus 280
- Share commuting under 15 minutes61.5 percent
- Commuting 30 minutes or more537 plus or minus 194
- Share commuting 30 minutes or more28.9 percent plus or minus 9.2
- Drove alone89.8 percent plus or minus 20.9
- Carpooled6.2 percent plus or minus 6.9
- Public transport0.7 percent plus or minus 1.4
- Walked0.7 percent plus or minus 1.4
- Worked from home2.5 percent plus or minus 3.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Flora
SBA loans in Flora (7(a))
- Approvals1
- Gross approval$500,000
- Average approval$500,000
- Median approval$500,000
- Ninetieth percentile approval$500,000
- Largest approval$500,000
- Jobs supported9
- Jobs per approval9.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term84 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders1
- Distinct industries by NAICS1
A charge-off rate is not published here. only 0 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.
Flora
Flood risk in Flora
- Listed NFIP communities1
- Of those, participating1
- NFIP community number170043
- Currently effective map date01/17/25
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.
Clay County, not Flora
Clay County context, not Flora figures
These are Clay County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Flora measurements.
- Establishments in Clay County322
- Employment at those establishments, Clay County4,623
- Covered employment, Clay County4,625
- Average annual pay, Clay County$50,797
- Average weekly wage, Clay County$977
- Housing units permitted, Clay County3
- Of those, single family, Clay County3
- County product, 2024, Clay County$699,379,000
- County product change over the prior year, Clay County-2.0 percent
- Average income of an arriving household, Clay County$40,668
Every figure in this section is published for Clay County as a whole and is not a measurement of Flora. 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
Flora questions, answered from the record.
How many people live in Flora, Illinois?
4,475, in 1,957 households. Flora city covers 4.69 square miles of land, which is 954 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Flora in?
Clay 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 Flora?
$47,148. The median owner-occupied home is valued at $77,300. Median gross rent is $745 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Flora businesses?
1 7(a) approvals totalling $500,000, across 1 lenders, median approval $500,000. These count approvals to borrowers whose address is in Flora, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Flora borrowers get paid back?
No rate is published for Flora. only 0 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 Flora in the National Flood Insurance Program?
Yes. Flora appears in the FEMA Community Status Book as community 170043, 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 Flora figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Clay 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 Flora.
Is zoning published for Flora?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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