HomeIllinoisMcHenry CountyCrystal Lake
Crystal Lake, Illinois: commercial real estate data.
Crystal Lake is a Census city of 40,579 people across 18.99 square miles of land, in McHenry County. Median household income is $108,418, 77.6 percent of occupied homes are owned, and the SBA record carries 81 7(a) approvals to borrowers here worth $44.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Crystal Lake
What Crystal Lake is
- Census place typecity
- Land area18.99 sq mi
- Water area0.61 sq mi
- Population per square mile of land2,137
- County holding the largest share of its areaMcHenry 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.
Crystal Lake
How many people live in Crystal Lake
- Population40,579
- Median age39.3
- Population under 189,493
- Share under 1823.4 percent
- Population 65 and over6,053
- Share 65 and over14.9 percent
- Households14,806
- Family households10,678
- Share of households that are families72.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Crystal Lake
Income and work in Crystal Lake
- Median household income$108,418
- Per capita income$46,472
- Civilian labor force23,231
- Employed22,246
- Unemployed985 plus or minus 247
- Unemployment rate4.2 percent plus or minus 1.1
- Adults 25 and over27,245
- Adults 25 and over with a high school diploma or higher93.3 percent
- Adults 25 and over with a bachelor degree or higher42.0 percent
- Adults 25 and over with a graduate degree13.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Crystal Lake
Housing in Crystal Lake
- Housing units15,256
- Occupied units14,806
- Vacant units450 plus or minus 200
- Vacancy rate2.9 percent plus or minus 1.3
- Owner occupied11,491
- Renter occupied3,315
- Ownership rate77.6 percent
- Median owner-occupied home value$311,400
- Median gross rent, monthly$1,468
- Annual rent as a share of median income16.2 percent
- Single family units11,701
- Share single family76.7 percent
- Units in buildings of two or more3,249
- Share in buildings of two or more21.3 percent
- Mobile homes293 plus or minus 112
- Median year structure built1986
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Crystal Lake
How Crystal Lake gets to work
- Workers 16 and over who commute18,623
- Commuting under 15 minutes5,573
- Share commuting under 15 minutes29.9 percent
- Commuting 30 minutes or more7,907
- Share commuting 30 minutes or more42.5 percent
- Drove alone71.8 percent
- Carpooled9.8 percent plus or minus 2.7
- Public transport1.2 percent plus or minus 0.4
- Walked1.4 percent plus or minus 0.8
- Worked from home15.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Crystal Lake
SBA loans in Crystal Lake (7(a))
- Approvals81
- Gross approval$44,816,900
- Average approval$553,295
- Median approval$250,000
- Ninetieth percentile approval$1,517,500
- Largest approval$4,500,000
- Jobs supported1,363
- Jobs per approval16.8
- Loans with a final outcome17
- Paid in full15
- Charged off2
- Median term120 months
- Share on real estate terms of 20 years or more17.3 percent
- Share to franchises7.4 percent
- Distinct lenders29
- Distinct industries by NAICS47
Counted by borrower city: approvals to borrowers whose address is in Crystal Lake, in any county, FY2020 to FY2026. Only 17 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.
Crystal Lake
SBA loans in Crystal Lake (504)
- Approvals62
- Gross approval$39,972,000
- Average approval$644,710
- Median approval$378,500
- Largest approval$4,212,000
- Jobs supported465
- Loans with a final outcome16
- Charged off0
- Median term240 months
- Distinct CDCs5
Counted by borrower city: approvals to borrowers whose address is in Crystal Lake, in any county, FY2010 to FY2026. Only 16 loans have 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.
Crystal Lake
Flood risk in Crystal Lake
- NFIP communityCity of Crystal Lake
- NFIP community number170476
- Participating in the NFIPYes
- Community Rating System classClass 6
- Currently effective map date11/16/06
The City of Crystal Lake participates in the National Flood Insurance Program as community 170476 and carries Community Rating System class 6, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
McHenry County, not Crystal Lake
McHenry County context, not Crystal Lake figures
- Establishments in McHenry County8,140
- Covered employment, McHenry County96,922
- Average annual pay, McHenry County$55,107
- Housing units permitted, McHenry County1,565
Every figure in this section is published for McHenry County as a whole and is not a measurement of Crystal Lake.
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
Crystal Lake questions, answered from the record.
How many people live in Crystal Lake, Illinois?
40,579, in 14,806 households. Crystal Lake city covers 18.99 square miles of land, which is 2,137 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Crystal Lake in?
McHenry 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 Crystal Lake?
$108,418. The median owner-occupied home is valued at $311,400. Median gross rent is $1,468 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Crystal Lake businesses?
81 7(a) approvals totaling $44.8 m since FY2020, across 29 lenders, median approval $250,000, plus 62 504 approvals worth $40.0 m since FY2010. These count approvals to borrowers whose address is in Crystal Lake, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Crystal Lake borrowers get paid back?
No rate is published for Crystal Lake. Only 17 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 Crystal Lake in the National Flood Insurance Program?
Yes. Crystal Lake appears in the FEMA Community Status Book as Crystal Lake, city of, community 170476, carrying Community Rating System class 6, which is a premium discount for exceeding the program minimum. 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 Crystal Lake figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for McHenry 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 Crystal Lake.
Is zoning published for Crystal Lake?
No. Nothing on this page presents parcel level zoning.