HomeIllinoisMacoupin CountyGirard city
Girard city, Illinois: commercial real estate data.
Girard city is a Census city of 1,743 people across 0.93 square miles of land, in Macoupin County. Median household income is $50,300, 54.7 percent of occupied homes are owned, and the SBA record carries 5 7(a) approvals to borrowers here worth $671,500.
66 sourced place values · tier FULL · 7 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Girard
What Girard is
- Census place typecity
- Land area0.93 sq mi
- Water area0 sq mi
- Population per square mile of land1,866
- County holding the largest share of its areaMacoupin 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.
Girard
How many people live in Girard
- Population1,743
- Median age40.9
- Population under 18374 plus or minus 133
- Share under 1821.5 percent plus or minus 6.8
- Population 65 and over306 plus or minus 82
- Share 65 and over17.6 percent plus or minus 3.9
- Households662
- Family households426 plus or minus 96
- Share of households that are families64.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Girard
Income and work in Girard
- Median household income$50,300 plus or minus $15,566
- Per capita income$26,002
- Civilian labor force799 plus or minus 173
- Employed780 plus or minus 168
- Unemployed19 plus or minus 24
- Unemployment rate2.4 percent plus or minus 3.0
- Adults 25 and over1,262
- Adults 25 and over with a high school diploma or higher85.7 percent
- Adults 25 and over with a bachelor degree or higher11.3 percent plus or minus 4.1
- Adults 25 and over with a graduate degree2.1 percent plus or minus 1.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Girard
Housing in Girard
- Housing units880
- Occupied units662
- Vacant units218 plus or minus 70
- Vacancy rate24.8 percent plus or minus 7.3
- Owner occupied362 plus or minus 75
- Renter occupied300 plus or minus 101
- Ownership rate54.7 percent
- Median owner-occupied home value$98,100
- Median gross rent, monthly$808
- Annual rent as a share of median income19.3 percent plus or minus 6.9
- Single family units671
- Share single family76.3 percent
- Units in buildings of two or more165 plus or minus 69
- Share in buildings of two or more18.8 percent plus or minus 7.4
- Mobile homes44 plus or minus 39
- Median year structure built1956
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Girard
How Girard gets to work
- Workers 16 and over who commute675 plus or minus 147
- Commuting under 15 minutes264 plus or minus 90
- Share commuting under 15 minutes39.1 percent plus or minus 10.4
- Commuting 30 minutes or more318 plus or minus 128
- Share commuting 30 minutes or more47.1 percent plus or minus 15.9
- Drove alone75.4 percent
- Carpooled6.2 percent plus or minus 3.4
- Public transport0.0 percent
- Walked4.4 percent plus or minus 5.1
- Worked from home12.5 percent plus or minus 5.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Girard
SBA loans in Girard (7(a))
- Approvals5
- Gross approval$671,500
- Average approval$134,300
- Median approval$50,000
- Ninetieth percentile approval$350,000
- Largest approval$350,000
- Jobs supported29
- Jobs per approval5.8
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term84 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders2
- Distinct industries by NAICS3
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.
Macoupin County, not Girard
Macoupin County context, not Girard figures
These are Macoupin County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Girard measurements.
- Establishments in Macoupin County813
- Employment at those establishments, Macoupin County7,626
- Covered employment, Macoupin County10,150
- Average annual pay, Macoupin County$46,689
- Average weekly wage, Macoupin County$898
- Housing units permitted, Macoupin County65
- Of those, single family, Macoupin County59
- County product, 2024, Macoupin County$1,525,271,000
- County product change over the prior year, Macoupin County1.9 percent
- Average income of an arriving household, Macoupin County$52,249
Every figure in this section is published for Macoupin County as a whole and is not a measurement of Girard. 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.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- 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
Girard questions, answered from the record.
How many people live in Girard, Illinois?
1,743, in 662 households. Girard city covers 0.93 square miles of land, which is 1,866 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Girard in?
Macoupin 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 Girard?
$50,300. The median owner-occupied home is valued at $98,100. Median gross rent is $808 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Girard businesses?
5 7(a) approvals totalling $671,500, across 2 lenders, median approval $50,000. These count approvals to borrowers whose address is in Girard, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Girard borrowers get paid back?
No rate is published for Girard. 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.
Are the county figures on this page Girard figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Macoupin 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 Girard.
Is zoning published for Girard?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.