Jo Daviess County, Illinois: commercial real estate data.
Jo Daviess County, Illinois had an estimated 21,528 residents on July 1, 2024, down 2.5 percent since the 2020 census base of 22,082, across 601 square miles. County output reached $1.14 bn in 2024, 673 establishments operate here, and the SBA record carries 5 7(a) approvals worth $2.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Jo Daviess County
How many people live in Jo Daviess County
- Population, American Community Survey 2020-202421,851
- Households10,391
- Average household size2.10
- Median household income$73,993
- Median age51.5
- Median gross rent$825 per month
- Median owner-occupied home value$209,900
- Home value to household income2.8 times
- Annual rent as a share of median income13.4 percent
- Adults 25 and over with a bachelor degree or higher28.9 percent
- Adults 25 and over with a graduate degree9.0 percent
- Adults 25 and over16,604
- Population under 183,972
- Share under 1818.2 percent
- Population 65 and over6,541
- Share 65 and over29.9 percent
- Working age population, 18 to 6411,338
- Civilian labor force10,892
- Unemployment rate3.6 percent
- Labor force participation, adults 18 and over60.9 percent
- Rank by population among Illinois counties53rd of 102
- Rank by population among US county-equivalents, Puerto Rico included1781st of 3,222
Jo Daviess County is the 53rd largest of 102 Illinois counties by population. A median home costs 2.8 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 29.9 percent against 18.2 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.
Jo Daviess County
Is Jo Daviess County's population growing?
- Population, July 1, 202421,528
- Census 2020 base population22,082
- Population change since the 2020 census base-2.51 percent
- Population change, 2023 to 2024-221
- Births, 2024130
- Deaths, 2024293
- Natural change, 2024-163
- Net domestic migration, 2024-62
- Net international migration, 20247
- Total net migration, 2024-55
- Cumulative net domestic migration, 2021 to 202410
- Rank by growth among US county-equivalents2633rd of 3,144
The county has lost 2.51 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.
Jo Daviess County
Where are people moving to Jo Daviess County from?
- Tax returns filed by households arriving606
- People arriving, from those returns1,046
- Tax returns filed by households leaving587
- Net household movement19
- Adjusted gross income arriving$56.6 m
- Net adjusted gross income movement$16.6 m
- Average income of an arriving household$93,327
- Average income of a leaving household$67,998
- Largest single originDubuque County (106 households)
- Largest single destinationDubuque County (128 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Dubuque County | 106 | 185 | $10.6 m |
| Cook County | 51 | 86 | $9.7 m |
| Stephenson County | 36 | 50 | $1.7 m |
| Grant County | 22 | 38 | $955,000 |
| Lafayette County | 20 | 40 | $1.4 m |
Households arriving report $25,329 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 Dubuque 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.
Jo Daviess County
What is the Jo Daviess County economy?
- County GDP, 2024$1.14 bn
- County GDP, 2023$1.10 bn
- GDP change, 2023 to 20243.8 percent
- GDP change over five years40.3 percent
- Rank by GDP among the Illinois areas BEA publishes56th of 102
- Rank by GDP among the US county areas BEA publishes1738th of 3,127
- GDP per resident$52,101
Output grew 3.8 percent in the latest year and 40.3 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.
Jo Daviess County
Employment by industry in Jo Daviess County
- Covered employment, annual average7,485
- Establishments reporting742
- Average annual pay$46,804
- Average weekly wage$900
- Accommodation and food services, employment1,467
- Accommodation and food services, average annual pay$25,441
- Retail trade, employment1,050
- Retail trade, average annual pay$31,874
- Manufacturing, employment707
- Manufacturing, average annual pay$69,352
- Construction, employment548
- Construction, average annual pay$67,914
- Other services, except public administration, employment391
- Arts, entertainment and recreation, employment236
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Accommodation and food services | 1,467 | 100 | $25,441 |
| Retail trade | 1,050 | 105 | $31,874 |
| Manufacturing | 707 | 40 | $69,352 |
| Construction | 548 | 88 | $67,914 |
| Other services, except public administration | 391 | 70 | $35,981 |
| Arts, entertainment and recreation | 236 | 21 | $21,322 |
| Finance and insurance | 142 | 25 | $61,433 |
| Real estate and rental and leasing | 62 | 23 | $72,480 |
Accommodation and food services is the largest private sector at 1,467 jobs, 19.6 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Jo Daviess County
How many businesses are in Jo Daviess County?
- Establishments, all industries673
- Employment at those establishments6,609
- Annual payroll$320.9 m
- Establishments per 1,000 residents30.8
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.
Jo Daviess County
Building permits in Jo Daviess County
- Housing units authorized by permit, 202459
- Declared construction value permitted$23.7 m
- Single family units authorized57
- Multifamily units authorized2
- Multifamily share of units3.4 percent
- Average declared value per unit$400,958
- Units authorized per 1,000 households5.7
Single-family homes are 96.6 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Jo Daviess County
SBA loans in Jo Daviess County (7(a) and 504)
- 7(a) approvals recorded5
- 7(a) gross approval dollars$2.9 m
- Average 7(a) approval$574,600
- Median 7(a) approval$50,000
- Largest single approval$1,832,000
- Jobs reported supported, 7(a)43
- Jobs per approval8.6
- Distinct 7(a) lenders active3
- Distinct industries receiving approvals5
- Median 7(a) term84 months
- Share of loans on real estate terms, 240 months or longer40.0 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter3
- Franchise loans1
- Franchise share of approvals20.0 percent
- Most active lenderU.S. Bank, National Association (3)
- 504 approvals recorded9
- 504 gross approval dollars$4.0 m
- Average 504 approval$449,333
- Median 504 approval$275,000
- Distinct CDCs active3
- 504 jobs per approval7.8
- 504 jobs per million dollars approved17.3
- Most active CDCSmall Business Growth Corporation (6)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$6.9 m
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.
Jo Daviess County
SBA loan default and charge-off rates in Jo Daviess County
Do SBA loans in Jo Daviess County get paid back?
- Loans with a final outcome recorded2
- Paid in full1
- Charged off1
- Status: Charged off1
- Status: Exempt from disclosure2
- Status: Paid in full1
- Status: Cancelled1
Only 2 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.
Jo Daviess County
SBA lending by place in Jo Daviess County
- Borrower cities with recorded lending2
- Galena, approvals4
- Stockton, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Galena | 4 | $1,041,000 |
| Stockton | 1 | $1,832,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Jo Daviess County
How large is Jo Daviess County?
- Land area601 sq mi
- Rank by land area among Illinois counties35th of 102
- Width, east to west37.6 mi
- Height, north to south21.7 mi
- Geographies sharing a boundary6
- Residents per square mile of land36
- Establishments per square mile1.12
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.
Jo Daviess County
Flood risk in Jo Daviess County
- Participation of the county's own NFIP community Jo Daviess County, unincorporated areasParticipating, community 170902
- Communities in the county in the NFIP Community Status Book6
- Of those, participating in the NFIP5
- NFIP participation rate83.3 percent
- Communities carrying a CRS class0
- Radon levels in Jo Daviess 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 Jo Daviess County (community 170902), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Jo Daviess 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. 83.3 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 Jo Daviess 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 Jo Daviess County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202421,851
- Households10,391
- Average household size2.10
- Median household income$73,993
- Median age51.5
Common questions
Jo Daviess County questions, answered from the record.
How many people live in Jo Daviess County, Illinois?
The Census Bureau estimates 21,528 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 21,851, in 10,391 households, ranking 53rd of 102 Illinois counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Jo Daviess County's population growing?
The population has fallen 2.51 percent since the 2020 census base of 22,082, to 21,528 on July 1, 2024. In 2024 there were 130 births against 293 deaths, with net migration of -55. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Jo Daviess County?
$73,993. The median owner-occupied home is valued at $209,900, which is 2.8 times income, and median gross rent is $825 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Jo Daviess County?
673 establishments, employing 6,609 people with an annual payroll of $320.9 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 Jo Daviess County?
Accommodation and food services is the largest private sector at 1,467 jobs, 19.6 percent of covered employment. Covered employment averages 7,485 jobs at an average annual pay of $46,804, or $900 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Jo Daviess County?
5 7(a) approvals totaling $2.9 m since FY2020, across 3 lenders, with a median approval of $50,000, plus 9 504 approvals worth $4.0 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Jo Daviess County?
59 housing units were authorized by permit in 2024, with a declared construction value of $23.7 m. Multifamily was 3.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Jo Daviess 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 Jo Daviess County come from?
The largest single origin is Dubuque County, with 106 households. Arriving households report an average income of $93,327 against $67,998 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Jo Daviess 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 Jo Daviess 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.
Jo Daviess County
Cities and places in Jo Daviess.
12 Census places lie wholly or partly in Jo Daviess County. All 12 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 |
|---|---|---|---|---|
| Galena | city | 2,931 | 4 | Wholly in this county |
| Stockton | village | 1,873 | 1 | Wholly in this county |
| The Galena Territory | CDP | 1,735 | None recorded | Wholly in this county |
| East Dubuque | city | 1,470 | None recorded | Wholly in this county |
| Warren | village | 1,396 | None recorded | Wholly in this county |
| Hanover | village | 829 | None recorded | Wholly in this county |
| Elizabeth | village | 775 | None recorded | Wholly in this county |
| Apple Canyon Lake | CDP | 741 | None recorded | Wholly in this county |
| Scales Mound | village | 463 | None recorded | Wholly in this county |
| Menominee | village | 345 | None recorded | Wholly in this county |
| Apple River | village | 290 | None recorded | Wholly in this county |
| Nora | village | 180 | None recorded | Wholly in this county |