Macoupin County, Illinois: commercial real estate data.
Macoupin County, Illinois had an estimated 43,895 residents on July 1, 2024, down 2.5 percent since the 2020 census base of 45,039, across 863 square miles. County output reached $1.53 bn in 2024, 813 establishments operate here, and the SBA record carries 28 7(a) approvals worth $12.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Macoupin County
How many people live in Macoupin County
- Population, American Community Survey 2020-202444,350
- Households17,576
- Average household size2.52
- Median household income$70,805
- Median age44.2
- Median gross rent$801 per month
- Median owner-occupied home value$138,200
- Home value to household income2.0 times
- Annual rent as a share of median income13.6 percent
- Adults 25 and over with a bachelor degree or higher20.3 percent
- Adults 25 and over with a graduate degree6.4 percent
- Adults 25 and over31,806
- Population under 189,136
- Share under 1820.6 percent
- Population 65 and over9,566
- Share 65 and over21.6 percent
- Working age population, 18 to 6425,648
- Civilian labor force20,790
- Unemployment rate3.7 percent
- Labor force participation, adults 18 and over59.0 percent
- Rank by population among Illinois counties32nd of 102
- Rank by population among US county-equivalents, Puerto Rico included1113th of 3,222
Macoupin County is the 32nd largest of 102 Illinois counties by population. A median home costs 2.0 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 21.6 percent against 20.6 percent, which points demand at health care, services and single story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Macoupin County
Is Macoupin County's population growing?
- Population, July 1, 202443,895
- Census 2020 base population45,039
- Population change since the 2020 census base-2.54 percent
- Population change, 2023 to 2024-232
- Births, 2024390
- Deaths, 2024692
- Natural change, 2024-302
- Net domestic migration, 202441
- Net international migration, 202430
- Total net migration, 202471
- Cumulative net domestic migration, 2021 to 2024-29
- Rank by growth among US county-equivalents2646th of 3,144
The county has lost 2.54 percent of its population since the 2020 census base. Deaths exceeded births in 2024 by more than net migration added, so the population fell even though more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Macoupin County
Where are people moving to Macoupin County from?
- Tax returns filed by households arriving1,038
- People arriving, from those returns1,874
- Tax returns filed by households leaving1,049
- Net household movement-11
- Adjusted gross income arriving$54.2 m
- Net adjusted gross income movement$-1.8 m
- Average income of an arriving household$52,249
- Average income of a leaving household$53,441
- Largest single originMadison County (301 households)
- Largest single destinationMadison County (276 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Madison County | 301 | 553 | $15.8 m |
| Sangamon County | 139 | 205 | $6.8 m |
| Montgomery County | 94 | 191 | $4.3 m |
| Jersey County | 70 | 121 | $4.3 m |
| St. Clair County | 33 | 66 | $1.7 m |
| Morgan County | 23 | 37 | $698,000 |
| St. Louis County | 23 | 38 | $1.4 m |
| Greene County | 22 | 48 | $1.1 m |
Households arriving report $1,192 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Madison 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.
Macoupin County
What is the Macoupin County economy?
- County GDP, 2024$1.53 bn
- County GDP, 2023$1.50 bn
- GDP change, 2023 to 20241.9 percent
- GDP change over five years26.0 percent
- Rank by GDP among the Illinois areas BEA publishes48th of 102
- Rank by GDP among the US county areas BEA publishes1502nd of 3,127
- GDP per resident$34,392
Output grew 1.9 percent in the latest year and 26.0 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.
Macoupin County
Employment by industry in Macoupin County
- Covered employment, annual average10,150
- Establishments reporting887
- Average annual pay$46,689
- Average weekly wage$898
- Retail trade, employment1,367
- Retail trade, average annual pay$32,693
- Manufacturing, employment968
- Manufacturing, average annual pay$62,541
- Accommodation and food services, employment869
- Accommodation and food services, average annual pay$19,120
- Wholesale trade, employment653
- Wholesale trade, average annual pay$69,824
- Other services, except public administration, employment337
- Finance and insurance, employment306
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 1,367 | 122 | $32,693 |
| Manufacturing | 968 | 43 | $62,541 |
| Accommodation and food services | 869 | 79 | $19,120 |
| Wholesale trade | 653 | 39 | $69,824 |
| Other services, except public administration | 337 | 79 | $34,995 |
| Finance and insurance | 306 | 38 | $61,137 |
| Administrative and support and waste management services | 235 | 35 | $49,810 |
| Transportation and warehousing | 209 | 46 | $60,554 |
Retail trade is the largest private sector at 1,367 jobs, 13.5 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Macoupin County
How many businesses are in Macoupin County?
- Establishments, all industries813
- Employment at those establishments7,626
- Annual payroll$335.8 m
- Establishments per 1,000 residents18.3
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.
Macoupin County
Building permits in Macoupin County
- Housing units authorized by permit, 202465
- Declared construction value permitted$13.8 m
- Single family units authorized59
- Multifamily units authorized6
- Multifamily share of units9.2 percent
- Average declared value per unit$212,476
- Units authorized per 1,000 households3.7
Single-family homes are 90.8 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Macoupin County
SBA loans in Macoupin County (7(a) and 504)
- 7(a) approvals recorded28
- 7(a) gross approval dollars$12.2 m
- Average 7(a) approval$436,318
- Median 7(a) approval$136,500
- 10th percentile approval$20,000
- 90th percentile approval$812,860
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)174
- Jobs per approval6.2
- Distinct 7(a) lenders active15
- Distinct industries receiving approvals22
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer7.1 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter21
- Franchise loans2
- Franchise share of approvals7.1 percent
- Most active lenderBank of Springfield (8)
- 504 approvals recorded11
- 504 gross approval dollars$5.9 m
- Average 504 approval$540,364
- Median 504 approval$524,000
- Distinct CDCs active4
- 504 jobs per approval6.9
- 504 jobs per million dollars approved12.8
- Most active CDCSmall Business Growth Corporation (6)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$18.2 m
The average approval of $436,318 sits well above the median of $136,500, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 7.1 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.
Macoupin County
SBA loan default and charge-off rates in Macoupin County
Do SBA loans in Macoupin County get paid back?
- Loans with a final outcome recorded10
- Paid in full9
- Charged off1
- Status: Paid in full9
- Status: Exempt from disclosure15
- Status: Cancelled2
- Status: Charged off1
- Status: Committed, not yet disbursed1
Only 10 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.
Macoupin County
SBA lending by place in Macoupin County
- Borrower cities with recorded lending11
- Carlinville, approvals6
- Girard, approvals5
- Staunton, approvals4
- Mount Olive, approvals3
- Virden, approvals3
- Bunker Hill, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Carlinville | 6 | $1,926,400 |
| Girard | 5 | $671,500 |
| Staunton | 4 | $5,185,000 |
| Mount Olive | 3 | $1,291,200 |
| Virden | 3 | $685,000 |
| Bunker Hill | 2 | $1,660,200 |
| Gillespie | 1 | $472,000 |
| Palmyra | 1 | $112,800 |
| 3 other borrower cities | 3 | $212,800 |
Carlinville accounts for 6 approvals against 5 in Girard. 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.
Macoupin County
How large is Macoupin County?
- Land area863 sq mi
- Rank by land area among Illinois counties11th of 102
- Width, east to west24.4 mi
- Height, north to south36.3 mi
- Geographies sharing a boundary6
- Residents per square mile of land51
- Establishments per square mile0.94
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.
Macoupin County
Flood risk in Macoupin County
- Participation of the county's own NFIP community Macoupin County, unincorporated areasParticipating, community 170930
- Communities in the county in the NFIP Community Status Book7
- Of those, participating in the NFIP7
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Macoupin County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The county's own community in the status book, unincorporated Macoupin County (community 170930), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Macoupin County in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 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 Macoupin 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 Macoupin County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202444,350
- Households17,576
- Average household size2.52
- Median household income$70,805
- Median age44.2
Common questions
Macoupin County questions, answered from the record.
How many people live in Macoupin County, Illinois?
The Census Bureau estimates 43,895 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 44,350, in 17,576 households, ranking 32nd of 102 Illinois counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Macoupin County's population growing?
The population has fallen 2.54 percent since the 2020 census base of 45,039, to 43,895 on July 1, 2024. In 2024 there were 390 births against 692 deaths, with net migration of 71. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Macoupin County?
$70,805. The median owner-occupied home is valued at $138,200, which is 2.0 times income, and median gross rent is $801 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Macoupin County?
813 establishments, employing 7,626 people with an annual payroll of $335.8 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 Macoupin County?
Retail trade is the largest private sector at 1,367 jobs, 13.5 percent of covered employment. Covered employment averages 10,150 jobs at an average annual pay of $46,689, or $898 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Macoupin County?
28 7(a) approvals totaling $12.2 m since FY2020, across 15 lenders, with a median approval of $136,500, plus 11 504 approvals worth $5.9 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Macoupin County?
65 housing units were authorized by permit in 2024, with a declared construction value of $13.8 m. Multifamily was 9.2 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Macoupin County?
Zone 2, a predicted average indoor radon screening level from 2 to 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 Macoupin County come from?
The largest single origin is Madison County, with 301 households. Arriving households report an average income of $52,249 against $53,441 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Macoupin 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 Macoupin 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.
Macoupin County
Cities and places in Macoupin.
27 Census places lie wholly or partly in Macoupin County. All 27 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 |
|---|---|---|---|---|
| Carlinville | city | 5,480 | 6 | Wholly in this county |
| Staunton | city | 4,298 | 4 | Wholly in this county |
| Virden | city | 3,171 | 3 | 91.7 percent here, 8.3 percent Sangamon County |
| Gillespie | city | 2,815 | 1 | Wholly in this county |
| Brighton | village | 2,306 | 1 | 69.4 percent here, 30.6 percent Jersey County |
| Mount Olive | city | 1,872 | 3 | Wholly in this county |
| Girard | city | 1,743 | 5 | Wholly in this county |
| Benld | city | 1,495 | None recorded | Wholly in this county |
| Bunker Hill | city | 1,178 | 2 | Wholly in this county |
| Shipman | town | 618 | None recorded | Wholly in this county |
| Wilsonville | village | 505 | 1 | Wholly in this county |
| Palmyra | village | 486 | 1 | Wholly in this county |
| East Gillespie | village | 367 | None recorded | Wholly in this county |
| Medora | village | 316 | None recorded | Wholly in this county |
| Royal Lakes | village | 301 | None recorded | Wholly in this county |
| Mount Clare | village | 292 | None recorded | Wholly in this county |
| White City | village | 244 | None recorded | Wholly in this county |
| Lake Ka-Ho | village | 235 | None recorded | Wholly in this county |
| Chesterfield | village | 201 | None recorded | Wholly in this county |
| Sawyerville | village | 200 | None recorded | Wholly in this county |
| Dorchester | village | 182 | None recorded | Wholly in this county |
| Standard City | village | 182 | None recorded | Wholly in this county |
| Eagarville | village | 155 | None recorded | Wholly in this county |
| Hettick | village | 153 | 1 | Wholly in this county |
| Nilwood | town | 151 | None recorded | Wholly in this county |
| Modesto | village | 145 | None recorded | Wholly in this county |
| Scottville | village | 94 | None recorded | Wholly in this county |
Nearby