HomeIllinoisLivingston CountyPontiac
Pontiac, Illinois: commercial real estate data.
Pontiac is a Census city of 11,294 people across 8.44 square miles of land, in Livingston County. Median household income is $61,279, 63.2 percent of occupied homes are owned, and the SBA record carries 2 7(a) approvals to borrowers here worth $755,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Pontiac
What Pontiac is
- Census place typecity
- Land area8.44 sq mi
- Water area0.25 sq mi
- Population per square mile of land1,337
- County holding the largest share of its areaLivingston 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.
Pontiac
How many people live in Pontiac
- Population11,294
- Median age42.8
- Population under 181,980
- Share under 1817.5 percent
- Population 65 and over2,404
- Share 65 and over21.3 percent
- Households4,457
- Family households2,528
- Share of households that are families56.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Pontiac
Income and work in Pontiac
- Median household income$61,279
- Per capita income$31,088
- Civilian labor force4,862
- Employed4,657
- Unemployed205 plus or minus 83
- Unemployment rate4.2 percent plus or minus 1.7
- Adults 25 and over8,384
- Adults 25 and over with a high school diploma or higher82.2 percent
- Adults 25 and over with a bachelor degree or higher16.2 percent
- Adults 25 and over with a graduate degree6.2 percent plus or minus 2.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Pontiac
Housing in Pontiac
- Housing units4,959
- Occupied units4,457
- Vacant units502 plus or minus 175
- Vacancy rate10.1 percent plus or minus 3.5
- Owner occupied2,819
- Renter occupied1,638
- Ownership rate63.2 percent
- Median owner-occupied home value$116,300
- Median gross rent, monthly$842
- Annual rent as a share of median income16.5 percent
- Single family units3,396
- Share single family68.5 percent
- Units in buildings of two or more1,266 plus or minus 265
- Share in buildings of two or more25.5 percent plus or minus 5.2
- Mobile homes297 plus or minus 111
- Median year structure built1965
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Pontiac
How Pontiac gets to work
- Workers 16 and over who commute4,332
- Commuting under 15 minutes2,833
- Share commuting under 15 minutes65.4 percent
- Commuting 30 minutes or more815 plus or minus 191
- Share commuting 30 minutes or more18.8 percent plus or minus 4.1
- Drove alone79.9 percent
- Carpooled8.5 percent plus or minus 2.9
- Public transport0.0 percent
- Walked3.6 percent plus or minus 2.6
- Worked from home5.5 percent plus or minus 2.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Pontiac
SBA loans in Pontiac (7(a))
- Approvals2
- Gross approval$755,000
- Average approval$377,500
- Median approval$377,500
- Largest approval$705,000
- Jobs supported9
- Jobs per approval4.5
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term156 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders1
- Distinct industries by NAICS1
Counted by borrower city: approvals to borrowers whose address is in Pontiac, in any county, FY2020 to FY2026. Only 2 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.
Pontiac
SBA loans in Pontiac (504)
- Approvals1
- Gross approval$812,000
- Average approval$812,000
- Median approval$812,000
- Largest approval$812,000
- Jobs supported1
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Pontiac, in any county, FY2010 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Pontiac
Flood risk in Pontiac
- NFIP communityCity of Pontiac
- NFIP community number170426
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date12/18/07
The City of Pontiac participates in the National Flood Insurance Program as community 170426 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.
Livingston County, not Pontiac
Livingston County context, not Pontiac figures
- Establishments in Livingston County826
- Covered employment, Livingston County13,762
- Average annual pay, Livingston County$56,455
- Housing units permitted, Livingston County53
Every figure in this section is published for Livingston County as a whole and is not a measurement of Pontiac.
All Livingston County figures →
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
Pontiac questions, answered from the record.
How many people live in Pontiac, Illinois?
11,294, in 4,457 households. Pontiac city covers 8.44 square miles of land, which is 1,337 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Pontiac in?
Livingston 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 Pontiac?
$61,279. The median owner-occupied home is valued at $116,300. Median gross rent is $842 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Pontiac businesses?
2 7(a) approvals totaling $755,000 since FY2020, across 1 lenders, median approval $377,500, plus 1 504 approvals worth $812,000 since FY2010. These count approvals to borrowers whose address is in Pontiac, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Pontiac borrowers get paid back?
No rate is published for Pontiac. Only 2 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 Pontiac in the National Flood Insurance Program?
Yes. Pontiac appears in the FEMA Community Status Book as Pontiac, city of, community 170426, 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 Pontiac figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Livingston 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 Pontiac.
Is zoning published for Pontiac?
No. Nothing on this page presents parcel level zoning.
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