Kane County, Illinois: commercial real estate data.
Kane County, Illinois had an estimated 520,997 residents on July 1, 2024, up 0.8 percent since the 2020 census base of 516,722, across 520 square miles. 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 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Kane County
How many people live in Kane County
- Population, American Community Survey 2020-2024517,255
- 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-equivalents, Puerto Rico included141st of 3,222
Kane County is the 5th largest of 102 Illinois counties by population. A median home costs 3.2 times median household income, which is moderately unaffordable 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, July 1, 2024520,997
- Census 2020 base population516,722
- Population change since the 2020 census base0.83 percent
- Population change, 2023 to 20243,756
- 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 of 3,144
The county has grown 0.83 percent since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
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
- Tax returns filed by households leaving14,863
- Net household movement-850
- Adjusted gross income arriving$1.20 bn
- Net adjusted gross income movement$-46.6 m
- Average income of an arriving household$85,505
- Average income of a leaving household$83,747
- Largest single originCook County (4,449 households)
- Largest single destinationCook County (2,766 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Cook County | 4,449 | 8,239 | $388.8 m |
| DuPage County | 3,090 | 5,563 | $281.5 m |
| McHenry County | 982 | 1,729 | $75.0 m |
| Kendall County | 721 | 1,271 | $44.1 m |
| Will County | 485 | 816 | $39.5 m |
| DeKalb County | 406 | 666 | $50.5 m |
| Lake County | 263 | 445 | $24.4 m |
| Winnebago County | 148 | 264 | $8.1 m |
Households arriving report $1,758 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 Cook 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.
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 the Illinois areas BEA publishes5th of 102
- Rank by GDP among the US county areas BEA publishes163rd of 3,127
- 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
Employment by industry in Kane County
- Covered employment, annual average213,795
- Establishments reporting12,855
- Average annual pay$62,791
- Average weekly wage$1,208
- Manufacturing, employment33,480
- Manufacturing, average annual pay$72,281
- Health care and social assistance, employment23,627
- Health care and social assistance, average annual pay$63,630
- Retail trade, employment20,382
- Retail trade, average annual pay$38,428
- Administrative and support and waste management services, employment17,755
- Administrative and support and waste management services, average annual pay$40,894
- Accommodation and food services, employment17,639
- Wholesale trade, employment13,716
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 33,480 | 885 | $72,281 |
| Health care and social assistance | 23,627 | 1,119 | $63,630 |
| Retail trade | 20,382 | 1,198 | $38,428 |
| Administrative and support and waste management services | 17,755 | 950 | $40,894 |
| Accommodation and food services | 17,639 | 989 | $26,012 |
| Wholesale trade | 13,716 | 796 | $87,615 |
| Construction | 11,703 | 1,650 | $89,438 |
| Professional, scientific and technical services | 9,774 | 1,525 | $100,493 |
Manufacturing is the largest private sector at 33,480 jobs, 15.7 percent of covered employment.
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. 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.
Kane County
Building permits in Kane County
- Housing units authorized by permit, 20242,132
- Declared construction value permitted$582.7 m
- Single family units authorized1,741
- Multifamily units authorized391
- Multifamily share of units18.3 percent
- Average declared value per unit$273,329
- Units authorized per 1,000 households11.5
Single-family homes are 81.7 percent of units authorized, so the pipeline is predominantly single-family.
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$261,100
- 10th percentile approval$40,000
- 90th percentile approval$1,704,380
- 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$487,000
- Distinct CDCs active7
- 504 jobs per approval10.6
- 504 jobs per million dollars approved13.5
- Most active CDCSmall Business Growth Corporation (250)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$769.9 m
The average approval of $584,790 sits well above the median of $261,100, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here 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
- Borrower cities with recorded lending26
- Elgin, approvals137
- St. Charles, approvals104
- Aurora, approvals92
- Geneva, approvals70
- Batavia, approvals69
- South Elgin, approvals49
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Elgin | 137 | $85,954,000 |
| St. 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 |
| 18 other borrower cities | 113 | $70,369,400 |
Elgin accounts for 137 approvals against 104 in St. 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
- Participation of the county's own NFIP community Kane County, unincorporated areasParticipating, community 170896
- Communities in the county 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 county's own community in the status book, unincorporated Kane County (community 170896), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. 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 among the county's communities 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 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 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.
- Population, American Community Survey 2020-2024517,255
- 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?
The Census Bureau estimates 520,997 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 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 of 516,722, to 520,997 on July 1, 2024. 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 employment by industry in Kane County?
Manufacturing is the largest private sector at 33,480 jobs, 15.7 percent of covered employment. Covered employment averages 213,795 jobs at an average annual pay of $62,791, or $1,208 a week. 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 totaling $404.7 m since FY2020, across 96 lenders, with a median approval of $261,100, plus 466 504 approvals worth $365.3 m since FY2010. 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 authorized 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 Cook County, with 4,449 households. Arriving households report an average income of $85,505 against $83,747 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?
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.
Kane County
Cities and places in Kane.
30 Census places lie wholly or partly in Kane County. All 30 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 |
|---|---|---|---|---|
| Aurora | city | 179,898 | 92 | 60.1 percent here, 31.4 percent DuPage County, 6.4 percent Will County, 2.1 percent Kendall County |
| Elgin | city | 114,934 | 137 | 83.4 percent here, 16.6 percent Cook County |
| Bartlett | village | 40,501 | None recorded | 3.7 percent here, 61.5 percent DuPage County, 34.8 percent Cook County |
| Carpentersville | village | 37,346 | 31 | Wholly in this county |
| St. Charles | city | 32,854 | 104 | 96.8 percent here, 3.2 percent DuPage County |
| Algonquin | village | 30,067 | 2 | 24.7 percent here, 75.3 percent McHenry County |
| Huntley | village | 28,005 | 3 | 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 | 3 | 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 |
| Barrington Hills | village | 3,879 | None recorded | 5.9 percent here, 63.9 percent Cook County, 18.6 percent McHenry County, 11.6 percent Lake 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 | None recorded | 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 | None recorded | Wholly in this county |
| Virgil | village | 312 | None recorded | Wholly in this county |
A further 20 of the county's 692 SBA 7(a) approvals are to borrowers in cities that match no Census place in Kane County, the largest being Dundee (12), Schaumburg (4), Dundee Township (1). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby