HomeIllinoisMcHenry CountyMcHenry city
McHenry city, Illinois: commercial real estate data.
McHenry city is a Census city of 28,074 people across 14.83 square miles of land, in McHenry County. Median household income is $86,315, 74.4 percent of occupied homes are owned, and the SBA record carries 58 7(a) approvals to borrowers here worth $34.8 m.
82 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
McHenry
What McHenry is
- Census place typecity
- Land area14.83 sq mi
- Water area0.42 sq mi
- Population per square mile of land1,893
- 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.
McHenry
How many people live in McHenry
- Population28,074
- Median age43.9
- Population under 185,569
- Share under 1819.8 percent
- Population 65 and over5,406
- Share 65 and over19.3 percent
- Households11,897
- Family households7,462
- Share of households that are families62.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
McHenry
Income and work in McHenry
- Median household income$86,315
- Per capita income$45,734
- Civilian labor force15,950
- Employed15,376
- Unemployed574 plus or minus 237
- Unemployment rate3.6 percent plus or minus 1.5
- Adults 25 and over20,808
- Adults 25 and over with a high school diploma or higher91.6 percent
- Adults 25 and over with a bachelor degree or higher25.7 percent
- Adults 25 and over with a graduate degree7.7 percent plus or minus 1.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
McHenry
Housing in McHenry
- Housing units12,095
- Occupied units11,897
- Vacant units198 plus or minus 144
- Vacancy rate1.6 percent plus or minus 1.2
- Owner occupied8,847
- Renter occupied3,050
- Ownership rate74.4 percent
- Median owner-occupied home value$266,500
- Median gross rent, monthly$1,553
- Annual rent as a share of median income21.6 percent
- Single family units9,655
- Share single family79.8 percent
- Units in buildings of two or more2,401
- Share in buildings of two or more19.9 percent
- Mobile homes14 plus or minus 23
- Median year structure built1988
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
McHenry
How McHenry gets to work
- Workers 16 and over who commute12,990
- Commuting under 15 minutes3,761
- Share commuting under 15 minutes29.0 percent
- Commuting 30 minutes or more5,488
- Share commuting 30 minutes or more42.2 percent
- Drove alone74.9 percent
- Carpooled8.1 percent plus or minus 2.3
- Public transport0.9 percent plus or minus 0.5
- Walked1.1 percent plus or minus 0.8
- Worked from home14.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
McHenry
SBA loans in McHenry (7(a))
- Approvals58
- Gross approval$34,814,600
- Average approval$600,252
- Median approval$350,000
- Ninetieth percentile approval$1,785,000
- Largest approval$3,000,000
- Jobs supported627
- Jobs per approval10.8
- Loans with a final outcome16
- Paid in full13
- Charged off3
- Charge-off rate over resolved loans18.8 percent
- Median term120 months
- Share on real estate terms of 20 years or more24.1 percent
- Share to franchises17.2 percent
- Distinct lenders26
- Distinct industries by NAICS32
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
McHenry
SBA loans in McHenry (504)
- Approvals25
- Gross approval$18,289,000
- Average approval$731,560
- Median approval$417,000
- Largest approval$2,468,000
- Jobs supported389
- Loans with a final outcome11
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term240 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
McHenry
Flood risk in McHenry
- Listed NFIP communities1
- Of those, participating1
- NFIP community number170483
- Currently effective map date11/16/06
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.
McHenry County, not McHenry
McHenry County context, not McHenry figures
These are McHenry County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as McHenry measurements.
- Establishments in McHenry County8,140
- Employment at those establishments, McHenry County87,684
- Covered employment, McHenry County96,922
- Average annual pay, McHenry County$55,107
- Average weekly wage, McHenry County$1,060
- Housing units permitted, McHenry County1,565
- Of those, single family, McHenry County887
- County product, 2024, McHenry County$15,982,773,000
- County product change over the prior year, McHenry County4.6 percent
- Average income of an arriving household, McHenry County$80,258
Every figure in this section is published for McHenry County as a whole and is not a measurement of McHenry. 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
McHenry questions, answered from the record.
How many people live in McHenry, Illinois?
28,074, in 11,897 households. McHenry city covers 14.83 square miles of land, which is 1,893 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is McHenry 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 McHenry?
$86,315. The median owner-occupied home is valued at $266,500. Median gross rent is $1,553 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to McHenry businesses?
58 7(a) approvals totalling $34.8 m, across 26 lenders, median approval $350,000, plus 25 504 approvals worth $18.3 m. These count approvals to borrowers whose address is in McHenry, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to McHenry borrowers get paid back?
Of the 16 loans that have reached a final outcome, 13 were paid in full and 3 charged off, a charge off rate of 18.8 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is McHenry in the National Flood Insurance Program?
Yes. McHenry appears in the FEMA Community Status Book as community 170483, 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 McHenry figures?
No, and they are labelled 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 McHenry.
Is zoning published for McHenry?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.