Kendall County, Illinois: commercial real estate data.
Kendall County, Illinois had an estimated 143,171 residents on July 1, 2024, up 8.6 percent since the 2020 census base of 131,863, across 320 square miles. County output reached $5.41 bn in 2024, 2,548 establishments operate here, and the SBA record carries 143 7(a) approvals worth $59.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Kendall County
How many people live in Kendall County
- Population, American Community Survey 2020-2024137,675
- Households45,372
- Average household size3.03
- Median household income$111,601
- Median age36.3
- Median gross rent$1,781 per month
- Median owner-occupied home value$322,400
- Home value to household income2.9 times
- Annual rent as a share of median income19.2 percent
- Adults 25 and over with a bachelor degree or higher36.9 percent
- Adults 25 and over with a graduate degree12.7 percent
- Adults 25 and over88,608
- Population under 1837,238
- Share under 1827.0 percent
- Population 65 and over15,466
- Share 65 and over11.2 percent
- Working age population, 18 to 6484,971
- Civilian labor force76,164
- Unemployment rate4.3 percent
- Labor force participation, adults 18 and over75.8 percent
- Rank by population among Illinois counties15th of 102
- Rank by population among US county-equivalents, Puerto Rico included483rd of 3,222
Kendall County is the 15th largest of 102 Illinois counties by population. A median home costs 2.9 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 27.0 percent against 11.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Kendall County
Is Kendall County's population growing?
- Population, July 1, 2024143,171
- Census 2020 base population131,863
- Population change since the 2020 census base8.58 percent
- Population change, 2023 to 20242,942
- Births, 20241,507
- Deaths, 2024710
- Natural change, 2024797
- Net domestic migration, 20241,586
- Net international migration, 2024574
- Total net migration, 20242,160
- Cumulative net domestic migration, 2021 to 20246,446
- Rank by growth among US county-equivalents204th of 3,144
The county has grown 8.58 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.
Kendall County
Where are people moving to Kendall County from?
- Tax returns filed by households arriving5,242
- People arriving, from those returns9,985
- Tax returns filed by households leaving4,409
- Net household movement833
- Adjusted gross income arriving$374.0 m
- Net adjusted gross income movement$41.7 m
- Average income of an arriving household$71,343
- Average income of a leaving household$75,356
- Largest single originKane County (1,135 households)
- Largest single destinationKane County (721 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Kane County | 1,135 | 2,174 | $65.2 m |
| Will County | 1,039 | 2,056 | $84.1 m |
| DuPage County | 980 | 1,880 | $73.9 m |
| Cook County | 767 | 1,513 | $53.2 m |
| DeKalb County | 151 | 247 | $8.0 m |
| LaSalle County | 123 | 218 | $12.6 m |
| Grundy County | 50 | 84 | $4.5 m |
| Maricopa County | 29 | 51 | $1.9 m |
Households arriving report $4,013 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Kane 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.
Kendall County
What is the Kendall County economy?
- County GDP, 2024$5.41 bn
- County GDP, 2023$5.21 bn
- GDP change, 2023 to 20243.9 percent
- GDP change over five years41.5 percent
- Rank by GDP among the Illinois areas BEA publishes21st of 102
- Rank by GDP among the US county areas BEA publishes679th of 3,127
- GDP per resident$39,283
Output grew 3.9 percent in the latest year and 41.5 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.
Kendall County
Employment by industry in Kendall County
- Covered employment, annual average30,329
- Establishments reporting2,463
- Average annual pay$51,205
- Average weekly wage$985
- Retail trade, employment5,535
- Retail trade, average annual pay$33,949
- Accommodation and food services, employment3,966
- Accommodation and food services, average annual pay$21,990
- Manufacturing, employment2,966
- Manufacturing, average annual pay$90,487
- Transportation and warehousing, employment2,145
- Transportation and warehousing, average annual pay$58,151
- Health care and social assistance, employment1,830
- Construction, employment1,564
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 5,535 | 240 | $33,949 |
| Accommodation and food services | 3,966 | 210 | $21,990 |
| Manufacturing | 2,966 | 105 | $90,487 |
| Transportation and warehousing | 2,145 | 214 | $58,151 |
| Health care and social assistance | 1,830 | 212 | $45,902 |
| Construction | 1,564 | 355 | $74,010 |
| Other services, except public administration | 1,329 | 233 | $34,766 |
| Administrative and support and waste management services | 1,098 | 161 | $48,946 |
Retail trade is the largest private sector at 5,535 jobs, 18.2 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Kendall County
How many businesses are in Kendall County?
- Establishments, all industries2,548
- Employment at those establishments25,500
- Annual payroll$1.11 bn
- Establishments per 1,000 residents18.5
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.
Kendall County
Building permits in Kendall County
- Housing units authorized by permit, 2024706
- Declared construction value permitted$136.9 m
- Single family units authorized441
- Multifamily units authorized265
- Multifamily share of units37.5 percent
- Average declared value per unit$193,870
- Units authorized per 1,000 households15.6
Single-family homes are 62.5 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Kendall County
SBA loans in Kendall County (7(a) and 504)
- 7(a) approvals recorded143
- 7(a) gross approval dollars$59.6 m
- Average 7(a) approval$416,911
- Median 7(a) approval$150,000
- 10th percentile approval$31,000
- 90th percentile approval$1,147,400
- Largest single approval$3,300,000
- Jobs reported supported, 7(a)1,359
- Jobs per approval9.5
- Distinct 7(a) lenders active44
- Distinct industries receiving approvals67
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer18.2 percent
- Loans on real estate terms26
- Loans on working capital terms, 120 months or shorter112
- Franchise loans20
- Franchise share of approvals14.0 percent
- Leading industry by approval countGeneral Freight Trucking, Long-Distance, Truckload (9)
- Most active lenderThe Huntington National Bank (29)
- 504 approvals recorded74
- 504 gross approval dollars$46.8 m
- Average 504 approval$631,919
- Median 504 approval$412,000
- Distinct CDCs active5
- 504 jobs per approval9.0
- 504 jobs per million dollars approved14.2
- Most active CDCSmall Business Growth Corporation (37)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$106.4 m
The average approval of $416,911 sits well above the median of $150,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 18.2 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.
Kendall County
SBA loan default and charge-off rates in Kendall County
Do SBA loans in Kendall County get paid back?
- Loans with a final outcome recorded22
- Paid in full21
- Charged off1
- Status: Paid in full21
- Status: Exempt from disclosure94
- Status: Cancelled21
- Status: Charged off1
- Status: Committed, not yet disbursed6
Only 22 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.
Kendall County
SBA lending by place in Kendall County
- Borrower cities with recorded lending12
- Oswego, approvals52
- Yorkville, approvals38
- Plainfield, approvals22
- Montgomery, approvals13
- Bristol, approvals4
- Newark, approvals4
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Oswego | 52 | $28,611,400 |
| Yorkville | 38 | $10,738,400 |
| Plainfield | 22 | $7,161,600 |
| Montgomery | 13 | $5,575,900 |
| Bristol | 4 | $1,307,000 |
| Newark | 4 | $438,600 |
| Aurora | 3 | $1,423,800 |
| Plano | 3 | $735,000 |
| 4 other borrower cities | 4 | $3,626,600 |
Oswego accounts for 52 approvals against 38 in Yorkville. 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.
Kendall County
How large is Kendall County?
- Land area320 sq mi
- Rank by land area among Illinois counties89th of 102
- Width, east to west18.2 mi
- Height, north to south18.5 mi
- Geographies sharing a boundary6
- Residents per square mile of land430
- Establishments per square mile7.96
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.
Kendall County
Flood risk in Kendall County
- Participation of the county's own NFIP community Kendall County, unincorporated areasParticipating, community 170341
- Communities in the county in the NFIP Community Status Book15
- Of those, participating in the NFIP15
- 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 class2
- Radon levels in Kendall 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 Kendall County (community 170341), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Kendall 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 Kendall 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 Kendall County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024137,675
- Households45,372
- Average household size3.03
- Median household income$111,601
- Median age36.3
Common questions
Kendall County questions, answered from the record.
How many people live in Kendall County, Illinois?
The Census Bureau estimates 143,171 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 137,675, in 45,372 households, ranking 15th of 102 Illinois counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Kendall County's population growing?
The population has grown 8.58 percent since the 2020 census base of 131,863, to 143,171 on July 1, 2024. In 2024 there were 1,507 births against 710 deaths, with net migration of 2,160. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Kendall County?
$111,601. The median owner-occupied home is valued at $322,400, which is 2.9 times income, and median gross rent is $1,781 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Kendall County?
2,548 establishments, employing 25,500 people with an annual payroll of $1.11 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 Kendall County?
Retail trade is the largest private sector at 5,535 jobs, 18.2 percent of covered employment. Covered employment averages 30,329 jobs at an average annual pay of $51,205, or $985 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Kendall County?
143 7(a) approvals totaling $59.6 m since FY2020, across 44 lenders, with a median approval of $150,000, plus 74 504 approvals worth $46.8 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Kendall County?
706 housing units were authorized by permit in 2024, with a declared construction value of $136.9 m. Multifamily was 37.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Kendall 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 Kendall County come from?
The largest single origin is Kane County, with 1,135 households. Arriving households report an average income of $71,343 against $75,356 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Kendall 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 Kendall 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.
Kendall County
Cities and places in Kendall.
15 Census places lie wholly or partly in Kendall County. All 15 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 | 3 | 2.1 percent here, 60.1 percent Kane County, 31.4 percent DuPage County, 6.4 percent Will County |
| Joliet | city | 150,445 | 1 | 14.9 percent here, 85.1 percent Will County |
| Plainfield | village | 46,708 | 22 | 19.3 percent here, 80.7 percent Will County |
| Oswego | village | 36,375 | 52 | Wholly in this county |
| Yorkville | city | 23,617 | 38 | Wholly in this county |
| Montgomery | village | 21,515 | 13 | 47.3 percent here, 52.7 percent Kane County |
| Minooka | village | 12,891 | 1 | 22.8 percent here, 66.8 percent Grundy County, 10.5 percent Will County |
| Plano | city | 12,203 | 3 | Wholly in this county |
| Boulder Hill | CDP | 8,989 | None recorded | Wholly in this county |
| Sandwich | city | 7,219 | 1 | 22.5 percent here, 77.5 percent DeKalb County |
| Newark | village | 1,138 | 4 | Wholly in this county |
| Millington | village | 729 | None recorded | 32.1 percent here, 67.9 percent LaSalle County |
| Lisbon | village | 373 | None recorded | Wholly in this county |
| Millbrook | village | 243 | None recorded | Wholly in this county |
| Plattville | village | 225 | None recorded | Wholly in this county |
A further 5 of the county's 143 SBA 7(a) approvals are to borrowers in cities that match no Census place in Kendall County, the largest being Bristol (4), Oak Lawn (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