HomeIllinoisLivingston CountyPontiac city
Pontiac city, Illinois: commercial real estate data.
Pontiac city 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.
80 sourced place values · tier FULL · 9 sections
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 7(a) lending to Pontiac borrowers
- Approvals2
- Gross approval$755,000
- Average approval$377,500
- Median approval$705,000
- Ninetieth percentile approval$705,000
- Largest approval$705,000
- Jobs supported9
- Jobs per approval4.5
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term192 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders1
- Distinct industries by NAICS1
A charge-off rate is not published here. only 2 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Pontiac
SBA 504 lending to Pontiac borrowers
- 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
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Pontiac
Flood programme status in Pontiac
- Listed NFIP communities1
- Of those, participating1
- NFIP community number170426
- Currently effective map date12/18/07
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Livingston County, not Pontiac
Livingston County context, not Pontiac figures
These are Livingston County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Pontiac measurements.
- Establishments in Livingston County826
- Employment at those establishments, Livingston County10,906
- Covered employment, Livingston County13,762
- Average annual pay, Livingston County$56,455
- Average weekly wage, Livingston County$1,086
- Housing units permitted, Livingston County53
- Of those, single family, Livingston County47
- County product, 2024, Livingston County$2,894,929,000
- County product change over the prior year, Livingston County7.3 percent
- Average income of an arriving household, Livingston County$46,851
Every figure in this section is published for Livingston County as a whole and is not a measurement of Pontiac. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $755,000, across 1 lenders, median approval $705,000, plus 1 504 approvals worth $812,000. 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 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Pontiac in the National Flood Insurance Program?
Yes. Pontiac appears in the FEMA Community Status Book as 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 labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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