Livingston County, Illinois: commercial real estate data.
Livingston County, Illinois had an estimated 35,375 residents on July 1, 2024, down 1.3 percent since the 2020 census base of 35,848, across 1,044 square miles. County output reached $2.89 bn in 2024, 826 establishments operate here, and the SBA record carries 6 7(a) approvals worth $4.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Livingston County
How many people live in Livingston County
- Population, American Community Survey 2020-202435,565
- Households14,615
- Average household size2.43
- Median household income$73,790
- Median age41.8
- Median gross rent$880 per month
- Median owner-occupied home value$142,200
- Home value to household income1.9 times
- Annual rent as a share of median income14.3 percent
- Adults 25 and over with a bachelor degree or higher19.0 percent
- Adults 25 and over with a graduate degree6.0 percent
- Adults 25 and over25,134
- Population under 187,802
- Share under 1821.9 percent
- Population 65 and over7,164
- Share 65 and over20.1 percent
- Working age population, 18 to 6420,599
- Civilian labor force17,313
- Unemployment rate3.5 percent
- Labor force participation, adults 18 and over62.4 percent
- Rank by population among Illinois counties39th of 102
- Rank by population among US county-equivalents, Puerto Rico included1325th of 3,222
Livingston County is the 39th largest of 102 Illinois counties by population. A median home costs 1.9 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 21.9 percent against 20.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Livingston County
Is Livingston County's population growing?
- Population, July 1, 202435,375
- Census 2020 base population35,848
- Population change since the 2020 census base-1.32 percent
- Population change, 2023 to 202454
- Births, 2024365
- Deaths, 2024467
- Natural change, 2024-102
- Net domestic migration, 202490
- Net international migration, 202470
- Total net migration, 2024160
- Cumulative net domestic migration, 2021 to 2024-158
- Rank by growth among US county-equivalents2296th of 3,144
The county has lost 1.32 percent of its population since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Livingston County
Where are people moving to Livingston County from?
- Tax returns filed by households arriving781
- People arriving, from those returns1,389
- Tax returns filed by households leaving854
- Net household movement-73
- Adjusted gross income arriving$36.6 m
- Net adjusted gross income movement$-11.9 m
- Average income of an arriving household$46,851
- Average income of a leaving household$56,800
- Largest single originMcLean County (129 households)
- Largest single destinationMcLean County (174 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| McLean County | 129 | 243 | $6.6 m |
| LaSalle County | 121 | 209 | $5.2 m |
| Grundy County | 70 | 118 | $3.0 m |
| Will County | 65 | 110 | $3.1 m |
| Cook County | 41 | 80 | $2.0 m |
| Ford County | 30 | 62 | $1.2 m |
| Woodford County | 26 | 58 | $1.6 m |
| Kankakee County | 23 | 40 | $757,000 |
Households arriving report $9,949 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is McLean 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.
Livingston County
What is the Livingston County economy?
- County GDP, 2024$2.89 bn
- County GDP, 2023$2.70 bn
- GDP change, 2023 to 20247.3 percent
- GDP change over five years47.0 percent
- Rank by GDP among the Illinois areas BEA publishes30th of 102
- Rank by GDP among the US county areas BEA publishes1004th of 3,127
- GDP per resident$81,398
Output grew 7.3 percent in the latest year and 47.0 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.
Livingston County
Employment by industry in Livingston County
- Covered employment, annual average13,762
- Establishments reporting865
- Average annual pay$56,455
- Average weekly wage$1,086
- Manufacturing, employment2,791
- Manufacturing, average annual pay$76,790
- Retail trade, employment1,593
- Retail trade, average annual pay$33,861
- Health care and social assistance, employment1,383
- Health care and social assistance, average annual pay$53,687
- Transportation and warehousing, employment1,137
- Transportation and warehousing, average annual pay$46,906
- Wholesale trade, employment756
- Accommodation and food services, employment700
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 2,791 | 52 | $76,790 |
| Retail trade | 1,593 | 114 | $33,861 |
| Health care and social assistance | 1,383 | 55 | $53,687 |
| Transportation and warehousing | 1,137 | 59 | $46,906 |
| Wholesale trade | 756 | 50 | $75,772 |
| Accommodation and food services | 700 | 74 | $17,362 |
| Construction | 643 | 90 | $75,207 |
| Finance and insurance | 506 | 45 | $58,092 |
Manufacturing is the largest private sector at 2,791 jobs, 20.3 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Livingston County
How many businesses are in Livingston County?
- Establishments, all industries826
- Employment at those establishments10,906
- Annual payroll$569.4 m
- Establishments per 1,000 residents23.2
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.
Livingston County
Building permits in Livingston County
- Housing units authorized by permit, 202453
- Declared construction value permitted$20.4 m
- Single family units authorized47
- Multifamily units authorized6
- Multifamily share of units11.3 percent
- Average declared value per unit$384,449
- Units authorized per 1,000 households3.6
Single-family homes are 88.7 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Livingston County
SBA loans in Livingston County (7(a) and 504)
- 7(a) approvals recorded6
- 7(a) gross approval dollars$4.8 m
- Average 7(a) approval$796,167
- Median 7(a) approval$125,000
- Largest single approval$3,757,000
- Jobs reported supported, 7(a)33
- Jobs per approval5.5
- Distinct 7(a) lenders active4
- Distinct industries receiving approvals5
- Median 7(a) term126 months
- Share of loans on real estate terms, 240 months or longer0.0 percent
- Loans on real estate terms0
- Loans on working capital terms, 120 months or shorter3
- Franchise loans1
- Franchise share of approvals16.7 percent
- Most active lenderThe Huntington National Bank (3)
- 504 approvals recorded5
- 504 gross approval dollars$12.1 m
- Average 504 approval$2,429,600
- Median 504 approval$1,748,000
- Distinct CDCs active3
- 504 jobs per approval10.4
- 504 jobs per million dollars approved4.3
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$16.9 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.
Livingston County
SBA loan default and charge-off rates in Livingston County
Do SBA loans in Livingston County get paid back?
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Paid in full3
- Status: Exempt from disclosure2
- Status: Cancelled1
Only 3 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.
Livingston County
SBA lending by place in Livingston County
- Borrower cities with recorded lending3
- Dwight, approvals3
- Pontiac, approvals2
- Fairbury, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Dwight | 3 | $3,982,000 |
| Pontiac | 2 | $755,000 |
| Fairbury | 1 | $40,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Livingston County
How large is Livingston County?
- Land area1,044 sq mi
- Rank by land area among Illinois counties4th of 102
- Width, east to west36.4 mi
- Height, north to south34.4 mi
- Geographies sharing a boundary6
- Residents per square mile of land34
- Establishments per square mile0.79
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.
Livingston County
Flood risk in Livingston County
- Participation of the county's own NFIP community Livingston County, unincorporated areasParticipating, community 170929
- Communities in the county in the NFIP Community Status Book11
- Of those, participating in the NFIP9
- NFIP participation rate81.8 percent
- Communities carrying a CRS class0
- Radon levels in Livingston 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 Livingston County (community 170929), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Livingston 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. 81.8 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 Livingston 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 Livingston County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202435,565
- Households14,615
- Average household size2.43
- Median household income$73,790
- Median age41.8
Common questions
Livingston County questions, answered from the record.
How many people live in Livingston County, Illinois?
The Census Bureau estimates 35,375 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 35,565, in 14,615 households, ranking 39th of 102 Illinois counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Livingston County's population growing?
The population has fallen 1.32 percent since the 2020 census base of 35,848, to 35,375 on July 1, 2024. In 2024 there were 365 births against 467 deaths, with net migration of 160. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Livingston County?
$73,790. The median owner-occupied home is valued at $142,200, which is 1.9 times income, and median gross rent is $880 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Livingston County?
826 establishments, employing 10,906 people with an annual payroll of $569.4 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 Livingston County?
Manufacturing is the largest private sector at 2,791 jobs, 20.3 percent of covered employment. Covered employment averages 13,762 jobs at an average annual pay of $56,455, or $1,086 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Livingston County?
6 7(a) approvals totaling $4.8 m since FY2020, across 4 lenders, with a median approval of $125,000, plus 5 504 approvals worth $12.1 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Livingston County?
53 housing units were authorized by permit in 2024, with a declared construction value of $20.4 m. Multifamily was 11.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Livingston 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 Livingston County come from?
The largest single origin is McLean County, with 129 households. Arriving households report an average income of $46,851 against $56,800 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Livingston 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 Livingston 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.
Livingston County
Cities and places in Livingston.
16 Census places lie wholly or partly in Livingston County. All 16 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 |
|---|---|---|---|---|
| Streator | city | 12,330 | None recorded | 12.1 percent here, 87.9 percent LaSalle County |
| Pontiac | city | 11,294 | 2 | Wholly in this county |
| Dwight | village | 3,872 | 3 | 84.9 percent here, 15.1 percent Grundy County |
| Fairbury | city | 3,713 | 1 | Wholly in this county |
| Chatsworth | town | 1,172 | None recorded | Wholly in this county |
| Forrest | village | 994 | None recorded | Wholly in this county |
| Odell | village | 890 | None recorded | Wholly in this county |
| Flanagan | village | 849 | None recorded | Wholly in this county |
| Cullom | village | 471 | None recorded | Wholly in this county |
| Cornell | village | 389 | None recorded | Wholly in this county |
| Saunemin | village | 352 | None recorded | Wholly in this county |
| Long Point | village | 245 | None recorded | Wholly in this county |
| Reddick | village | 202 | None recorded | 15.9 percent here, 84.1 percent Kankakee County |
| Campus | village | 172 | None recorded | Wholly in this county |
| Emington | village | 131 | None recorded | Wholly in this county |
| Strawn | village | 94 | None recorded | Wholly in this county |
Nearby