HomeIllinoisLake CountyWinthrop Harbor
Winthrop Harbor, Illinois: commercial real estate data.
Winthrop Harbor is a Census village of 6,559 people across 4.65 square miles of land, in Lake County. Median household income is $95,690, 87.3 percent of occupied homes are owned, and the SBA record carries 5 7(a) approvals to borrowers here worth $2.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Winthrop Harbor
What Winthrop Harbor is
- Census place typevillage
- Land area4.65 sq mi
- Water area0.16 sq mi
- Population per square mile of land1,410
- County holding the largest share of its areaLake 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.
Winthrop Harbor
How many people live in Winthrop Harbor
- Population6,559
- Median age53.4
- Population under 18981 plus or minus 257
- Share under 1815.0 percent plus or minus 3.9
- Population 65 and over1,493
- Share 65 and over22.8 percent
- Households2,865
- Family households1,904
- Share of households that are families66.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Winthrop Harbor
Income and work in Winthrop Harbor
- Median household income$95,690
- Per capita income$48,491
- Civilian labor force3,498
- Employed3,152
- Unemployed346 plus or minus 209
- Unemployment rate9.9 percent plus or minus 5.9
- Adults 25 and over4,946
- Adults 25 and over with a high school diploma or higher96.8 percent
- Adults 25 and over with a bachelor degree or higher22.2 percent
- Adults 25 and over with a graduate degree8.9 percent plus or minus 2.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Winthrop Harbor
Housing in Winthrop Harbor
- Housing units2,979
- Occupied units2,865
- Vacant units114 plus or minus 71
- Vacancy rate3.8 percent plus or minus 2.4
- Owner occupied2,500
- Renter occupied365 plus or minus 116
- Ownership rate87.3 percent
- Median owner-occupied home value$250,800
- Median gross rent, monthly$1,313
- Annual rent as a share of median income16.5 percent
- Single family units2,758
- Share single family92.6 percent
- Units in buildings of two or more221 plus or minus 95
- Share in buildings of two or more7.4 percent plus or minus 3.1
- Mobile homes0
- Median year structure built1981
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Winthrop Harbor
How Winthrop Harbor gets to work
- Workers 16 and over who commute2,778
- Commuting under 15 minutes544 plus or minus 170
- Share commuting under 15 minutes19.6 percent plus or minus 5.4
- Commuting 30 minutes or more1,391 plus or minus 348
- Share commuting 30 minutes or more50.1 percent plus or minus 10.3
- Drove alone76.6 percent
- Carpooled10.5 percent plus or minus 6.4
- Public transport0.0 percent
- Walked0.4 percent plus or minus 0.6
- Worked from home11.2 percent plus or minus 4.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Winthrop Harbor
SBA loans in Winthrop Harbor (7(a))
- Approvals5
- Gross approval$2,907,000
- Average approval$581,400
- Median approval$580,000
- Largest approval$1,355,000
- Jobs supported25
- Jobs per approval5.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term300 months
- Share on real estate terms of 20 years or more60.0 percent
- Share to franchises60.0 percent
- Distinct lenders4
- Distinct industries by NAICS3
Counted by borrower city: approvals to borrowers whose address is in Winthrop Harbor, in any county, FY2020 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Winthrop Harbor
Flood risk in Winthrop Harbor
- NFIP communityVillage of Winthrop Harbor
- NFIP community number170398
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date10/05/23
The Village of Winthrop Harbor participates in the National Flood Insurance Program as community 170398 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Lake County, not Winthrop Harbor
Lake County context, not Winthrop Harbor figures
- Establishments in Lake County20,076
- Covered employment, Lake County329,354
- Average annual pay, Lake County$91,042
- Housing units permitted, Lake County1,042
Every figure in this section is published for Lake County as a whole and is not a measurement of Winthrop Harbor.
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.
Coverage
What this page does not hold.
Parcel detail, 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 →
Common questions
Winthrop Harbor questions, answered from the record.
How many people live in Winthrop Harbor, Illinois?
6,559, in 2,865 households. Winthrop Harbor village covers 4.65 square miles of land, which is 1,410 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Winthrop Harbor in?
Lake 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 Winthrop Harbor?
$95,690. The median owner-occupied home is valued at $250,800. Median gross rent is $1,313 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Winthrop Harbor businesses?
5 7(a) approvals totaling $2.9 m since FY2020, across 4 lenders, median approval $580,000. These count approvals to borrowers whose address is in Winthrop Harbor, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Winthrop Harbor borrowers get paid back?
No rate is published for Winthrop Harbor. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Winthrop Harbor in the National Flood Insurance Program?
Yes. Winthrop Harbor appears in the FEMA Community Status Book as Winthrop Harbor, village of, community 170398, 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 Winthrop Harbor figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Lake 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 Winthrop Harbor.
Is zoning published for Winthrop Harbor?
No. Nothing on this page presents parcel level zoning.