Kane County, Illinois: commercial real estate data.
Kane County, Illinois has a population of 517,255 across 520 square miles, up 0.8 percent since the 2020 census base. County output reached $37.06 bn in 2024, 13,537 establishments operate here, and the SBA record carries 692 7(a) approvals worth $404.7 m.
129 sourced county values · tier FULL · 12 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Kane County
How many people live in Kane County
- Population517,255
- Households184,706
- Average household size2.80
- Median household income$103,163
- Median age38.8
- Median gross rent$1,453 per month
- Median owner-occupied home value$327,000
- Home value to household income3.2 times
- Annual rent as a share of median income16.9 percent
- Adults 25 and over with a bachelor degree or higher38.1 percent
- Adults 25 and over with a graduate degree13.6 percent
- Adults 25 and over346,933
- Population under 18123,564
- Share under 1823.9 percent
- Population 65 and over80,391
- Share 65 and over15.5 percent
- Working age population, 18 to 64313,300
- Civilian labor force284,507
- Unemployment rate4.8 percent
- Labor force participation, adults 18 and over72.3 percent
- Rank by population among Illinois counties5th of 102
- Rank by population among US county-equivalents141st
Kane County is the 5th largest of 102 Illinois counties by population. A median home costs 3.2 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 23.9 percent against 15.5 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Kane County
Is Kane County's population growing?
- Population change since the 2020 census base0.83 percent
- Census 2020 base population516,722
- Births, 20245,472
- Deaths, 20243,662
- Natural change, 20241,810
- Net domestic migration, 2024-974
- Net international migration, 20242,902
- Total net migration, 20241,928
- Cumulative net domestic migration, 2021 to 2024-8,938
- Rank by growth among US county-equivalents1537th
The county has grown 0.83 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Kane County
Where are people moving to Kane County from?
- Tax returns filed by households arriving14,013
- People arriving, from those returns24,877
- Adjusted gross income arriving$1.20 bn
- Net adjusted gross income movement$0
- Average income of an arriving household$85,505
- Largest single originKane County Non-migrants (198,937 households)
- Largest single destination (198,937 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Kane County Non-migrants | 198,937 | 421,058 | $20.53 bn |
| Cook County | 4,449 | 8,239 | $388.8 m |
| DuPage County | 3,090 | 5,563 | $281.5 m |
| Other flows - Different State | 2,188 | 3,793 | $190.7 m |
| McHenry County | 982 | 1,729 | $75.0 m |
| Other flows - South | 871 | 1,530 | $73.7 m |
| Kendall County | 721 | 1,271 | $44.1 m |
| Other flows - Midwest | 707 | 1,174 | $48.6 m |
The largest single source of arrivals is Kane County Non-migrants, 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.
Kane County
What is the Kane County economy?
- County GDP, 2024$37.06 bn
- County GDP, 2023$35.45 bn
- GDP change, 2023 to 20244.5 percent
- GDP change over five years33.0 percent
- Rank by GDP among Illinois counties5th
- Rank by GDP among US county-equivalents163rd
- GDP per resident$71,644
Output grew 4.5 percent in the latest year and 33.0 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.
Kane County
Largest employers in Kane County
- Covered employment, annual average213,795
- Establishments reporting12,855
- Average annual pay$62,791
- Average weekly wage$1,208
- Sector 31-33, employment33,480
- Sector 31-33, average annual pay$72,281
- Sector 62, employment23,627
- Sector 62, average annual pay$63,630
- Sector 44-45, employment20,382
- Sector 44-45, average annual pay$38,428
- Sector 56, employment17,755
- Sector 56, average annual pay$40,894
- Sector 72, employment17,639
- Sector 42, employment13,716
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 33,480 | 885 | $72,281 |
| Sector 62 | 23,627 | 1,119 | $63,630 |
| Sector 44-45 | 20,382 | 1,198 | $38,428 |
| Sector 56 | 17,755 | 950 | $40,894 |
| Sector 72 | 17,639 | 989 | $26,012 |
| Sector 42 | 13,716 | 796 | $87,615 |
| Sector 23 | 11,703 | 1,650 | $89,438 |
| Sector 54 | 9,774 | 1,525 | $100,493 |
The largest sector is the biggest private employer group at 33,480 jobs, 15.7 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Kane County
How many businesses are in Kane County?
- Establishments, all industries13,537
- Employment at those establishments194,921
- Annual payroll$11.41 bn
- Establishments per 1,000 residents26.2
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Kane County
Building permits in Kane County
- Housing units authorised by permit, 20242,132
- Declared construction value permitted$582.7 m
- Single family units authorised1,741
- Multifamily units authorised391
- Multifamily share of units18.3 percent
- Average declared value per unit$273,329
- Units authorised per 1,000 households11.5
Multifamily is 18.3 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Kane County
SBA loans in Kane County (7(a) and 504)
- 7(a) approvals recorded692
- 7(a) gross approval dollars$404.7 m
- Average 7(a) approval$584,790
- Median 7(a) approval$262,200
- 10th percentile approval$40,000
- 90th percentile approval$1,713,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)9,448
- Jobs per approval13.7
- Distinct 7(a) lenders active96
- Distinct industries receiving approvals215
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer16.8 percent
- Loans on real estate terms116
- Loans on working capital terms, 120 months or shorter546
- Franchise loans131
- Franchise share of approvals18.9 percent
- Leading industry by approval countGeneral Freight Trucking, Long-Distance, Truckload (35)
- Most active lenderThe Huntington National Bank (151)
- 504 approvals recorded466
- 504 gross approval dollars$365.3 m
- Average 504 approval$783,845
- Median 504 approval$489,000
- Distinct CDCs active7
- 504 jobs per approval10.6
- 504 jobs per million dollars approved13.5
- Most active CDCSmall Business Growth Corporation (250)
- 7(a) share of SBA approvals59.8 percent
- Combined SBA approval dollars$769.9 m
The average approval of $584,790 sits well above the median of $262,200, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 16.8 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.
Kane County
SBA loan default and charge-off rates in Kane County
Do SBA loans in Kane County get paid back?
- Loans with a final outcome recorded141
- Paid in full135
- Charged off6
- Charge off rate on resolved loans4.3 percent
- Status: Paid in full135
- Status: Exempt from disclosure407
- Status: Cancelled92
- Status: Charged off6
- Status: Committed, not yet disbursed52
Of the 141 loans that have reached a final outcome, 4.3 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
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.
Kane County
SBA lending by place in Kane County
- Places in the county with recorded lending26
- Elgin, approvals137
- SAINT CHARLES, approvals104
- AURORA, approvals92
- Geneva, approvals70
- Batavia, approvals69
- SOUTH ELGIN, approvals49
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Elgin | 137 | $85,954,000 |
| SAINT CHARLES | 104 | $51,608,000 |
| AURORA | 92 | $54,654,100 |
| Geneva | 70 | $23,078,300 |
| Batavia | 69 | $59,712,900 |
| SOUTH ELGIN | 49 | $26,348,300 |
| Carpentersville | 31 | $17,832,300 |
| North Aurora | 27 | $15,117,700 |
Elgin accounts for 137 approvals against 104 in SAINT CHARLES. 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.
Kane County
How large is Kane County?
- Land area520 sq mi
- Rank by land area among Illinois counties50th of 102
- Width, east to west18.7 mi
- Height, north to south30 mi
- Geographies sharing a boundary5
- Residents per square mile of land995
- Establishments per square mile26.03
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.
Kane County
Flood risk in Kane County
- Communities in the NFIP Community Status Book29
- Of those, participating in the NFIP29
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 5
- Communities carrying a CRS class9
- Radon levels in Kane County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The EPA places Kane 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. The best Community Rating System class in Kane County is 5, which carries a flood insurance premium discount for policies written in that community. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
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.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Kane 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 Kane County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population517,255
- Households184,706
- Average household size2.80
- Median household income$103,163
- Median age38.8
Common questions
Kane County questions, answered from the record.
How many people live in Kane County, Illinois?
517,255, in 184,706 households, ranking 5th of 102 Illinois counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Kane County's population growing?
The population has grown 0.83 percent since the 2020 census base. In 2024 there were 5,472 births against 3,662 deaths, with net migration of 1,928. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Kane County?
$103,163. The median owner-occupied home is valued at $327,000, which is 3.2 times income, and median gross rent is $1,453 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Kane County?
13,537 establishments, employing 194,921 people with an annual payroll of $11.41 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Kane County?
Average annual pay is $62,791, or $1,208 a week, across 213,795 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Kane County?
692 7(a) approvals totalling $404.7 m since FY2020, across 96 lenders, with a median approval of $262,200, plus 466 504 approvals worth $365.3 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Kane County get paid back?
Of the 141 loans that have reached a final outcome, 135 were paid in full and 6 charged off, a charge off rate of 4.3 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Kane County?
2,132 housing units were authorised by permit in 2024, with a declared construction value of $582.7 m. Multifamily was 18.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Kane 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 Kane County come from?
The largest single origin is Kane County Non-migrants, with 198,937 households. Arriving households report an average income of $85,505 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Kane 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 Kane County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.
Kane County
Cities and places in Kane.
27 Census places lie wholly or partly in Kane County. 27 carry enough published place level data for a page of their own and are linked. The rest are named here and not linked, because the American Community Survey and the SBA record between them do not carry enough about them to write an honest page. A place existing is itself worth knowing, so nothing in the county is left out.
| Place | Type | Population | SBA approvals | Lies in |
|---|---|---|---|---|
| Elgin | city | 114,934 | 144 | 83.4 percent here, 16.6 percent Cook County |
| Carpentersville | village | 37,346 | 31 | Wholly in this county |
| St. Charles | city | 32,854 | 106 | 96.8 percent here, 3.2 percent DuPage County |
| Algonquin | village | 30,067 | 86 | 24.7 percent here, 75.3 percent McHenry County |
| Huntley | village | 28,005 | 23 | 42.6 percent here, 57.4 percent McHenry County |
| Batavia | city | 27,151 | 69 | Wholly in this county |
| South Elgin | village | 24,217 | 49 | Wholly in this county |
| Montgomery | village | 21,515 | 16 | 52.7 percent here, 47.3 percent Kendall County |
| Geneva | city | 21,258 | 70 | Wholly in this county |
| North Aurora | village | 18,696 | 27 | Wholly in this county |
| Pingree Grove | village | 10,914 | 5 | Wholly in this county |
| Campton Hills | village | 10,877 | None recorded | Wholly in this county |
| Sugar Grove | village | 9,240 | 10 | Wholly in this county |
| Gilberts | village | 8,606 | 15 | Wholly in this county |
| Hampshire | village | 8,524 | 10 | Wholly in this county |
| West Dundee | village | 7,906 | 10 | Wholly in this county |
| Elburn | village | 6,354 | 11 | Wholly in this county |
| Sleepy Hollow | village | 3,161 | None recorded | Wholly in this county |
| East Dundee | village | 3,146 | 17 | 95.3 percent here, 4.7 percent Cook County |
| Wayne | village | 2,562 | 2 | 47.9 percent here, 52.1 percent DuPage County |
| Prestbury | CDP | 2,045 | None recorded | Wholly in this county |
| Maple Park | village | 1,573 | 6 | 19.8 percent here, 80.2 percent DeKalb County |
| Big Rock | village | 1,548 | 1 | Wholly in this county |
| Lily Lake | village | 1,293 | None recorded | Wholly in this county |
| Kaneville | village | 523 | None recorded | Wholly in this county |
| Burlington | village | 425 | 1 | Wholly in this county |
| Virgil | village | 312 | None recorded | Wholly in this county |
A further 356 SBA approvals in Kane County are recorded against borrower cities that match no Census place, the largest being Aurora, Lemont, Dundee. Those are postal cities and unincorporated areas rather than incorporated places, so no page claims them, and their lending is counted in this county's totals above rather than under any city.