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Ogle County, Illinois: commercial real estate data.

Ogle County, Illinois had an estimated 51,345 residents on July 1, 2024, down 1.0 percent since the 2020 census base of 51,847, across 759 square miles. County output reached $3.85 bn in 2024, 1,053 establishments operate here, and the SBA record carries 19 7(a) approvals worth $15.9 m since FY2020.

Underlined figures are computed by MMCG Analytics, not published by the agency.

Ogle County

How many people live in Ogle County

  • Population, American Community Survey 2020-202451,495
  • Households20,821
  • Average household size2.47
  • Median household income$82,132
  • Median age42.2
  • Median gross rent$936 per month
  • Median owner-occupied home value$189,200
  • Home value to household income2.3 times
  • Annual rent as a share of median income13.7 percent
  • Adults 25 and over with a bachelor degree or higher24.3 percent
  • Adults 25 and over with a graduate degree8.1 percent
  • Adults 25 and over36,064
  • Population under 1811,430
  • Share under 1822.2 percent
  • Population 65 and over10,274
  • Share 65 and over20.0 percent
  • Working age population, 18 to 6429,791
  • Civilian labor force25,493
  • Unemployment rate5.0 percent
  • Labor force participation, adults 18 and over63.6 percent
  • Rank by population among Illinois counties28th of 102
  • Rank by population among US county-equivalents, Puerto Rico included996th of 3,222

Ogle County is the 28th largest of 102 Illinois counties by population. A median home costs 2.3 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 22.2 percent against 20.0 percent, a household formation profile rather than a retirement one.

US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.

Ogle County

Is Ogle County's population growing?

  • Population, July 1, 202451,345
  • Census 2020 base population51,847
  • Population change since the 2020 census base-0.97 percent
  • Population change, 2023 to 2024-46
  • Births, 2024514
  • Deaths, 2024529
  • Natural change, 2024-15
  • Net domestic migration, 2024-108
  • Net international migration, 202477
  • Total net migration, 2024-31
  • Cumulative net domestic migration, 2021 to 2024-346
  • Rank by growth among US county-equivalents2175th of 3,144

The county has lost 0.97 percent of its population since the 2020 census base. The population fell in 2024 from both sources: deaths exceeded births and more people left than moved in.

US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.

Ogle County

Where are people moving to Ogle County from?

  • Tax returns filed by households arriving1,327
  • People arriving, from those returns2,348
  • Tax returns filed by households leaving1,320
  • Net household movement7
  • Adjusted gross income arriving$74.7 m
  • Net adjusted gross income movement$-6.4 m
  • Average income of an arriving household$56,288
  • Average income of a leaving household$61,400
  • Largest single originWinnebago County (254 households)
  • Largest single destinationWinnebago County (215 households)
Largest origins of households moving into Ogle County
OriginHouseholdsPeopleAdjusted gross income
Winnebago County254455$14.5 m
DeKalb County162274$8.2 m
Lee County142267$8.0 m
Cook County78133$4.6 m
Kane County5291$3.7 m
Stephenson County5195$1.8 m
DuPage County4480$2.4 m
Whiteside County4472$2.4 m

Households arriving report $5,112 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Winnebago 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.

Ogle County

What is the Ogle County economy?

  • County GDP, 2024$3.85 bn
  • County GDP, 2023$3.86 bn
  • GDP change, 2023 to 2024-0.2 percent
  • GDP change over five years31.7 percent
  • Rank by GDP among the Illinois areas BEA publishes25th of 102
  • Rank by GDP among the US county areas BEA publishes829th of 3,127
  • GDP per resident$74,831

Output grew -0.2 percent in the latest year and 31.7 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.

Ogle County

Employment by industry in Ogle County

  • Covered employment, annual average14,934
  • Establishments reporting1,030
  • Average annual pay$58,187
  • Average weekly wage$1,119
  • Manufacturing, employment2,572
  • Manufacturing, average annual pay$64,398
  • Retail trade, employment1,468
  • Retail trade, average annual pay$34,561
  • Accommodation and food services, employment1,179
  • Accommodation and food services, average annual pay$19,150
  • Transportation and warehousing, employment949
  • Transportation and warehousing, average annual pay$65,567
  • Construction, employment723
  • Other services, except public administration, employment518
Private sector employment and pay by industry, Ogle County
SectorEmploymentEstablishmentsAverage annual pay
Manufacturing2,57258$64,398
Retail trade1,468116$34,561
Accommodation and food services1,179106$19,150
Transportation and warehousing94972$65,567
Construction723132$80,292
Other services, except public administration518102$33,865
Finance and insurance45044$64,116
Administrative and support and waste management services44546$64,566

Manufacturing is the largest private sector at 2,572 jobs, 17.2 percent of covered employment.

US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.

Ogle County

How many businesses are in Ogle County?

  • Establishments, all industries1,053
  • Employment at those establishments13,596
  • Annual payroll$720.1 m
  • Establishments per 1,000 residents20.4

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.

Ogle County

Building permits in Ogle County

  • Housing units authorized by permit, 202450
  • Declared construction value permitted$13.2 m
  • Single family units authorized50
  • Multifamily units authorized0
  • Multifamily share of units0.0 percent
  • Average declared value per unit$263,160
  • Units authorized per 1,000 households2.4

Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.

US Census Bureau, Building Permits Survey, 2024 annual.

Ogle County

SBA loans in Ogle County (7(a) and 504)

  • 7(a) approvals recorded19
  • 7(a) gross approval dollars$15.9 m
  • Average 7(a) approval$838,516
  • Median 7(a) approval$307,000
  • Largest single approval$5,000,000
  • Jobs reported supported, 7(a)314
  • Jobs per approval16.5
  • Distinct 7(a) lenders active11
  • Distinct industries receiving approvals15
  • Median 7(a) term120 months
  • Share of loans on real estate terms, 240 months or longer21.1 percent
  • Loans on real estate terms4
  • Loans on working capital terms, 120 months or shorter14
  • Franchise loans0
  • Franchise share of approvals0.0 percent
  • Most active lenderU.S. Bank, National Association (4)
  • 504 approvals recorded18
  • 504 gross approval dollars$8.6 m
  • Average 504 approval$476,500
  • Median 504 approval$395,000
  • Distinct CDCs active4
  • 504 jobs per approval7.6
  • 504 jobs per million dollars approved15.9
  • Most active CDCRockford Local Development Corporation (10)
  • Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$24.5 m

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.

Ogle County

SBA loan default and charge-off rates in Ogle County

Do SBA loans in Ogle County get paid back?

  • Loans with a final outcome recorded4
  • Paid in full4
  • Charged off0
  • Status: Paid in full4
  • Status: Exempt from disclosure13
  • Status: Committed, not yet disbursed1
  • Status: Cancelled1

Only 4 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.

Ogle County

SBA lending by place in Ogle County

  • Borrower cities with recorded lending9
  • Rochelle, approvals5
  • Byron, approvals3
  • Forreston, approvals2
  • Oregon, approvals2
  • Dixon, approvals2
  • Polo, approvals2
SBA 7(a) approvals by borrower city, loans with a project in Ogle County, FY2020 to FY2026
Borrower cityApprovalsGross approval dollars
Rochelle5$7,005,700
Byron3$1,235,000
Forreston2$4,357,000
Oregon2$1,000,000
Dixon2$347,400
Polo2$223,000
Stillman Valley1$1,527,000
Leaf River1$226,700
1 other borrower city1$10,000

US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.

Ogle County

How large is Ogle County?

  • Land area759 sq mi
  • Rank by land area among Illinois counties17th of 102
  • Width, east to west38.5 mi
  • Height, north to south21.8 mi
  • Geographies sharing a boundary6
  • Residents per square mile of land68
  • Establishments per square mile1.39

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.

Ogle County

Flood risk in Ogle County

  • Participation of the county's own NFIP community Ogle County, unincorporated areasParticipating, community 170525
  • Community Rating System class of the county's own communityClass 7
  • Communities in the county in the NFIP Community Status Book11
  • Of those, participating in the NFIP10
  • NFIP participation rate90.9 percent
  • Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 7
  • Communities carrying a CRS class1
  • Radon levels in Ogle County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1

The county's own community in the status book, unincorporated Ogle County (community 170525), participates in the National Flood Insurance Program and carries Community Rating System class 7, a flood insurance premium discount for policies written there. The EPA places Ogle County in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. The best Community Rating System class among the county's communities is 7, which carries a flood insurance premium discount for policies written in that community. 90.9 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 Ogle 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 Ogle County site starts with the figures you are reading, carrying the same source and period into the credit file.

  • Population, American Community Survey 2020-202451,495
  • Households20,821
  • Average household size2.47
  • Median household income$82,132
  • Median age42.2

How a feasibility study works →

Common questions

Ogle County questions, answered from the record.

How many people live in Ogle County, Illinois?

The Census Bureau estimates 51,345 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 51,495, in 20,821 households, ranking 28th of 102 Illinois counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.

Is Ogle County's population growing?

The population has fallen 0.97 percent since the 2020 census base of 51,847, to 51,345 on July 1, 2024. In 2024 there were 514 births against 529 deaths, with net migration of -31. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.

What is the median household income in Ogle County?

$82,132. The median owner-occupied home is valued at $189,200, which is 2.3 times income, and median gross rent is $936 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.

How many businesses are in Ogle County?

1,053 establishments, employing 13,596 people with an annual payroll of $720.1 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 Ogle County?

Manufacturing is the largest private sector at 2,572 jobs, 17.2 percent of covered employment. Covered employment averages 14,934 jobs at an average annual pay of $58,187, or $1,119 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.

How much SBA lending happens in Ogle County?

19 7(a) approvals totaling $15.9 m since FY2020, across 11 lenders, with a median approval of $307,000, plus 18 504 approvals worth $8.6 m since FY2010. These are approvals recorded in the release, not loans disbursed.

How many building permits were issued in Ogle County?

50 housing units were authorized by permit in 2024, with a declared construction value of $13.2 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.

What is the radon zone for Ogle County?

Zone 1, a predicted average indoor radon screening level greater than 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 Ogle County come from?

The largest single origin is Winnebago County, with 254 households. Arriving households report an average income of $56,288 against $61,400 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.

Are traffic counts available for Ogle 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 Ogle 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.

Ogle County

Cities and places in Ogle.

18 Census places lie wholly or partly in Ogle County. All 18 carry enough published place level data for a page of their own and are linked.

Census places in Ogle County, by population, with SBA 7(a) approvals to borrowers in each place for projects in Ogle County
PlaceTypePopulationSBA 7(a) approvals, projects in this countyLies in
Rochellecity9,5295Wholly in this county
Oregoncity3,8512Wholly in this county
Byroncity3,7433Wholly in this county
Davis Junctionvillage2,757None recordedWholly in this county
Mount Morrisvillage2,7261Wholly in this county
Polocity2,4952Wholly in this county
Hillcrestvillage1,824None recordedWholly in this county
Forrestonvillage1,3602Wholly in this county
Stillman Valleyvillage1,2601Wholly in this county
Lost NationCDP714None recordedWholly in this county
Crestonvillage550None recordedWholly in this county
Leaf Rivervillage4771Wholly in this county
Monroe Centervillage369None recordedWholly in this county
KingsCDP332None recordedWholly in this county
Grand DetourCDP297None recordedWholly in this county
HolcombCDP152None recordedWholly in this county
BaileyvilleCDP99None recorded74.0 percent here, 26.0 percent Stephenson County
Adelinevillage82None recordedWholly in this county

A further 2 of the county's 19 SBA 7(a) approvals are to borrowers in cities that match no Census place in Ogle County, the largest being Dixon (2). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.