Saline County, Illinois: commercial real estate data.
Saline County, Illinois had an estimated 22,826 residents on July 1, 2024, down 4.2 percent since the 2020 census base of 23,821, across 380 square miles. County output reached $1.12 bn in 2024, 538 establishments operate here, and the SBA record carries 20 7(a) approvals worth $11.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Saline County
How many people live in Saline County
- Population, American Community Survey 2020-202423,213
- Households10,024
- Average household size2.32
- Median household income$53,117
- Median age43.8
- Median gross rent$726 per month
- Median owner-occupied home value$94,300
- Home value to household income1.8 times
- Annual rent as a share of median income16.4 percent
- Adults 25 and over with a bachelor degree or higher19.6 percent
- Adults 25 and over with a graduate degree5.7 percent
- Adults 25 and over16,931
- Population under 184,799
- Share under 1820.7 percent
- Population 65 and over4,996
- Share 65 and over21.5 percent
- Working age population, 18 to 6413,418
- Civilian labor force10,364
- Unemployment rate7.7 percent
- Labor force participation, adults 18 and over56.3 percent
- Rank by population among Illinois counties52nd of 102
- Rank by population among US county-equivalents, Puerto Rico included1725th of 3,222
Saline County is the 52nd largest of 102 Illinois counties by population. A median home costs 1.8 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 21.5 percent against 20.7 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.
Saline County
Is Saline County's population growing?
- Population, July 1, 202422,826
- Census 2020 base population23,821
- Population change since the 2020 census base-4.18 percent
- Population change, 2023 to 2024-162
- Births, 2024221
- Deaths, 2024387
- Natural change, 2024-166
- Net domestic migration, 2024-9
- Net international migration, 202413
- Total net migration, 20244
- Cumulative net domestic migration, 2021 to 2024-323
- Rank by growth among US county-equivalents2922nd of 3,144
The county has lost 4.18 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.
Saline County
Where are people moving to Saline County from?
- Tax returns filed by households arriving396
- People arriving, from those returns705
- Tax returns filed by households leaving405
- Net household movement-9
- Adjusted gross income arriving$15.9 m
- Net adjusted gross income movement$-1.9 m
- Average income of an arriving household$40,040
- Average income of a leaving household$43,886
- Largest single originWilliamson County (66 households)
- Largest single destinationWilliamson County (72 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Williamson County | 66 | 120 | $2.6 m |
| Gallatin County | 28 | 46 | $971,000 |
| Franklin County | 24 | 32 | $869,000 |
| Hardin County | 21 | 39 | $659,000 |
Households arriving report $3,846 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Williamson 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.
Saline County
What is the Saline County economy?
- County GDP, 2024$1.12 bn
- County GDP, 2023$1.05 bn
- GDP change, 2023 to 20247.4 percent
- GDP change over five years45.4 percent
- Rank by GDP among the Illinois areas BEA publishes58th of 102
- Rank by GDP among the US county areas BEA publishes1748th of 3,127
- GDP per resident$48,363
Output grew 7.4 percent in the latest year and 45.4 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.
Saline County
Employment by industry in Saline County
- Covered employment, annual average8,307
- Establishments reporting503
- Average annual pay$46,586
- Average weekly wage$896
- Retail trade, employment1,131
- Retail trade, average annual pay$35,699
- Accommodation and food services, employment500
- Accommodation and food services, average annual pay$19,440
- Transportation and warehousing, employment484
- Transportation and warehousing, average annual pay$40,775
- Finance and insurance, employment432
- Finance and insurance, average annual pay$57,894
- Construction, employment419
- Manufacturing, employment277
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 1,131 | 80 | $35,699 |
| Accommodation and food services | 500 | 36 | $19,440 |
| Transportation and warehousing | 484 | 18 | $40,775 |
| Finance and insurance | 432 | 34 | $57,894 |
| Construction | 419 | 52 | $72,098 |
| Manufacturing | 277 | 19 | $54,915 |
| Information | 225 | 10 | $59,516 |
| Other services, except public administration | 170 | 52 | $42,518 |
Retail trade is the largest private sector at 1,131 jobs, 13.6 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Saline County
How many businesses are in Saline County?
- Establishments, all industries538
- Employment at those establishments5,502
- Annual payroll$249.4 m
- Establishments per 1,000 residents23.2
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.
Saline County
Building permits in Saline County
- Housing units authorized by permit, 20240
- Declared construction value permitted$0
- Single family units authorized0
- Multifamily units authorized0
No residential units were authorized by permit in 2024. In a small county this is common and is not by itself a sign of distress, but it does mean there is no recent residential pipeline to read demand from.
US Census Bureau, Building Permits Survey, 2024 annual.
Saline County
SBA loans in Saline County (7(a) and 504)
- 7(a) approvals recorded20
- 7(a) gross approval dollars$11.2 m
- Average 7(a) approval$561,435
- Median 7(a) approval$146,650
- 10th percentile approval$72,250
- 90th percentile approval$1,106,800
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)380
- Jobs per approval19.0
- Distinct 7(a) lenders active6
- Distinct industries receiving approvals14
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer10.0 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter15
- Franchise loans1
- Franchise share of approvals5.0 percent
- Leading industry by approval countChild Day Care Services (4)
- Most active lenderPeoples National Bank National Association (8)
- 504 approvals recorded2
- 504 gross approval dollars$716,000
- Average 504 approval$358,000
- Median 504 approval$358,000
- Distinct CDCs active2
- 504 jobs per approval3.0
- 504 jobs per million dollars approved8.4
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$11.9 m
The average approval of $561,435 sits well above the median of $146,650, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 10.0 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.
Saline County
SBA loan default and charge-off rates in Saline County
Do SBA loans in Saline County get paid back?
- Loans with a final outcome recorded9
- Paid in full9
- Charged off0
- Status: Cancelled5
- Status: Paid in full9
- Status: Exempt from disclosure5
- Status: Committed, not yet disbursed1
Only 9 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.
Saline County
SBA lending by place in Saline County
- Borrower cities with recorded lending3
- Eldorado, approvals9
- Harrisburg, approvals8
- Raleigh, approvals3
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Eldorado | 9 | $3,862,700 |
| Harrisburg | 8 | $6,891,000 |
| Raleigh | 3 | $475,000 |
Eldorado accounts for 9 approvals against 8 in Harrisburg. 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.
Saline County
How large is Saline County?
- Land area380 sq mi
- Rank by land area among Illinois counties77th of 102
- Width, east to west18.3 mi
- Height, north to south21.3 mi
- Geographies sharing a boundary6
- Residents per square mile of land61
- Establishments per square mile1.42
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.
Saline County
Flood risk in Saline County
- Participation of the county's own NFIP community Saline County, unincorporated areasParticipating, community 170988
- Communities in the county in the NFIP Community Status Book6
- Of those, participating in the NFIP6
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Saline 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 Saline County (community 170988), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Saline 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 Saline 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 Saline County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202423,213
- Households10,024
- Average household size2.32
- Median household income$53,117
- Median age43.8
Common questions
Saline County questions, answered from the record.
How many people live in Saline County, Illinois?
The Census Bureau estimates 22,826 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 23,213, in 10,024 households, ranking 52nd of 102 Illinois counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Saline County's population growing?
The population has fallen 4.18 percent since the 2020 census base of 23,821, to 22,826 on July 1, 2024. In 2024 there were 221 births against 387 deaths, with net migration of 4. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Saline County?
$53,117. The median owner-occupied home is valued at $94,300, which is 1.8 times income, and median gross rent is $726 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Saline County?
538 establishments, employing 5,502 people with an annual payroll of $249.4 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 Saline County?
Retail trade is the largest private sector at 1,131 jobs, 13.6 percent of covered employment. Covered employment averages 8,307 jobs at an average annual pay of $46,586, or $896 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Saline County?
20 7(a) approvals totaling $11.2 m since FY2020, across 6 lenders, with a median approval of $146,650, plus 2 504 approvals worth $716,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Saline County?
No residential units were authorized by permit in 2024. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Saline 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 Saline County come from?
The largest single origin is Williamson County, with 66 households. Arriving households report an average income of $40,040 against $43,886 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Saline 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 Saline 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.
Saline County
Cities and places in Saline.
7 Census places lie wholly or partly in Saline County. All 7 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 |
|---|---|---|---|---|
| Harrisburg | city | 8,372 | 8 | Wholly in this county |
| Eldorado | city | 3,771 | 9 | Wholly in this county |
| Carrier Mills | village | 1,634 | None recorded | Wholly in this county |
| Galatia | village | 913 | None recorded | Wholly in this county |
| Stonefort | village | 422 | None recorded | 60.4 percent here, 39.6 percent Williamson County |
| Raleigh | village | 235 | 3 | Wholly in this county |
| Muddy | village | 67 | None recorded | Wholly in this county |
Nearby