Sangamon County, Illinois: commercial real estate data.
Sangamon County, Illinois had an estimated 194,345 residents on July 1, 2024, down 1.1 percent since the 2020 census base of 196,412, across 868 square miles. County output reached $15.67 bn in 2024, 4,925 establishments operate here, and the SBA record carries 228 7(a) approvals worth $83.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Sangamon County
How many people live in Sangamon County
- Population, American Community Survey 2020-2024194,947
- Households84,762
- Average household size2.30
- Median household income$75,357
- Median age41.0
- Median gross rent$983 per month
- Median owner-occupied home value$176,300
- Home value to household income2.3 times
- Annual rent as a share of median income15.7 percent
- Adults 25 and over with a bachelor degree or higher36.6 percent
- Adults 25 and over with a graduate degree14.8 percent
- Adults 25 and over136,639
- Population under 1842,640
- Share under 1821.9 percent
- Population 65 and over37,849
- Share 65 and over19.4 percent
- Working age population, 18 to 64114,458
- Civilian labor force95,828
- Unemployment rate5.4 percent
- Labor force participation, adults 18 and over62.9 percent
- Rank by population among Illinois counties11th of 102
- Rank by population among US county-equivalents, Puerto Rico included360th of 3,222
Sangamon County is the 11th 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 21.9 percent against 19.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Sangamon County
Is Sangamon County's population growing?
- Population, July 1, 2024194,345
- Census 2020 base population196,412
- Population change since the 2020 census base-1.05 percent
- Population change, 2023 to 2024129
- Births, 20241,969
- Deaths, 20242,108
- Natural change, 2024-139
- Net domestic migration, 2024-555
- Net international migration, 2024821
- Total net migration, 2024266
- Cumulative net domestic migration, 2021 to 2024-3,366
- Rank by growth among US county-equivalents2201st of 3,144
The county has lost 1.05 percent of its population since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Sangamon County
Where are people moving to Sangamon County from?
- Tax returns filed by households arriving3,529
- People arriving, from those returns5,943
- Tax returns filed by households leaving4,040
- Net household movement-511
- Adjusted gross income arriving$207.0 m
- Net adjusted gross income movement$-93.2 m
- Average income of an arriving household$58,644
- Average income of a leaving household$74,307
- Largest single originCook County (285 households)
- Largest single destinationCook County (246 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Cook County | 285 | 493 | $15.0 m |
| Macon County | 148 | 264 | $7.4 m |
| Menard County | 143 | 253 | $7.3 m |
| Macoupin County | 139 | 227 | $7.5 m |
| Morgan County | 138 | 236 | $7.6 m |
| Christian County | 123 | 199 | $5.8 m |
| McLean County | 91 | 146 | $4.6 m |
| Logan County | 88 | 148 | $6.0 m |
Households arriving report $15,663 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Cook 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.
Sangamon County
What is the Sangamon County economy?
- County GDP, 2024$15.67 bn
- County GDP, 2023$14.64 bn
- GDP change, 2023 to 20247.0 percent
- GDP change over five years37.6 percent
- Rank by GDP among the Illinois areas BEA publishes12th of 102
- Rank by GDP among the US county areas BEA publishes318th of 3,127
- GDP per resident$80,374
Output grew 7.0 percent in the latest year and 37.6 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.
Sangamon County
Employment by industry in Sangamon County
- Covered employment, annual average134,376
- Establishments reporting4,970
- Average annual pay$69,350
- Average weekly wage$1,334
- Health care and social assistance, employment19,916
- Health care and social assistance, average annual pay$76,395
- Retail trade, employment11,178
- Retail trade, average annual pay$36,532
- Accommodation and food services, employment8,624
- Accommodation and food services, average annual pay$25,720
- Administrative and support and waste management services, employment5,224
- Administrative and support and waste management services, average annual pay$47,731
- Professional, scientific and technical services, employment4,670
- Other services, except public administration, employment4,399
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 19,916 | 454 | $76,395 |
| Retail trade | 11,178 | 624 | $36,532 |
| Accommodation and food services | 8,624 | 501 | $25,720 |
| Administrative and support and waste management services | 5,224 | 290 | $47,731 |
| Professional, scientific and technical services | 4,670 | 580 | $85,998 |
| Other services, except public administration | 4,399 | 549 | $53,389 |
| Finance and insurance | 4,232 | 276 | $88,756 |
| Manufacturing | 3,631 | 114 | $57,480 |
Health care and social assistance is the largest private sector at 19,916 jobs, 14.8 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Sangamon County
How many businesses are in Sangamon County?
- Establishments, all industries4,925
- Employment at those establishments80,005
- Annual payroll$4.30 bn
- Establishments per 1,000 residents25.3
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.
Sangamon County
Building permits in Sangamon County
- Housing units authorized by permit, 2024191
- Declared construction value permitted$51.8 m
- Single family units authorized123
- Multifamily units authorized68
- Multifamily share of units35.6 percent
- Average declared value per unit$270,949
- Units authorized per 1,000 households2.3
Single-family homes are 64.4 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Sangamon County
SBA loans in Sangamon County (7(a) and 504)
- 7(a) approvals recorded228
- 7(a) gross approval dollars$83.1 m
- Average 7(a) approval$364,289
- Median 7(a) approval$146,500
- 10th percentile approval$23,880
- 90th percentile approval$791,600
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)2,769
- Jobs per approval12.1
- Distinct 7(a) lenders active36
- Distinct industries receiving approvals98
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer14.5 percent
- Loans on real estate terms33
- Loans on working capital terms, 120 months or shorter171
- Franchise loans18
- Franchise share of approvals7.9 percent
- Leading industry by approval countFull-Service Restaurants (22)
- Most active lenderBank of Springfield (86)
- 504 approvals recorded115
- 504 gross approval dollars$55.9 m
- Average 504 approval$485,852
- Median 504 approval$320,000
- Distinct CDCs active5
- 504 jobs per approval10.1
- 504 jobs per million dollars approved20.8
- Most active CDCSmall Business Growth Corporation (77)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$138.9 m
The average approval of $364,289 sits well above the median of $146,500, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 14.5 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.
Sangamon County
SBA loan default and charge-off rates in Sangamon County
Do SBA loans in Sangamon County get paid back?
- Loans with a final outcome recorded45
- Paid in full42
- Charged off3
- Charge-off rate on resolved loans6.7 percent
- Status: Charged off3
- Status: Paid in full42
- Status: Exempt from disclosure144
- Status: Cancelled22
- Status: Committed, not yet disbursed17
Of the 45 loans that have reached a final outcome, 6.7 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
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.
Sangamon County
SBA lending by place in Sangamon County
- Borrower cities with recorded lending16
- Springfield, approvals184
- Rochester, approvals13
- Chatham, approvals7
- Auburn, approvals5
- Buffalo, approvals3
- Riverton, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Springfield | 184 | $69,895,400 |
| Rochester | 13 | $2,923,900 |
| Chatham | 7 | $1,421,300 |
| Auburn | 5 | $271,100 |
| Buffalo | 3 | $167,500 |
| Riverton | 2 | $3,645,000 |
| Divernon | 2 | $686,000 |
| Glenarm | 2 | $542,800 |
| 8 other borrower cities | 10 | $3,505,000 |
Springfield accounts for 184 approvals against 13 in Rochester. 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.
Sangamon County
How large is Sangamon County?
- Land area868 sq mi
- Rank by land area among Illinois counties9th of 102
- Width, east to west41.3 mi
- Height, north to south31.4 mi
- Geographies sharing a boundary8
- Residents per square mile of land225
- Establishments per square mile5.67
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.
Sangamon County
Flood risk in Sangamon County
- Participation of the county's own NFIP community Sangamon County, unincorporated areasParticipating, community 170912
- Community Rating System class of the county's own communityClass 7
- Communities in the county in the NFIP Community Status Book19
- Of those, participating in the NFIP19
- NFIP participation rate100.0 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 Sangamon 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 Sangamon County (community 170912), 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 Sangamon 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. 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 Sangamon 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 Sangamon County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024194,947
- Households84,762
- Average household size2.30
- Median household income$75,357
- Median age41.0
Common questions
Sangamon County questions, answered from the record.
How many people live in Sangamon County, Illinois?
The Census Bureau estimates 194,345 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 194,947, in 84,762 households, ranking 11th of 102 Illinois counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Sangamon County's population growing?
The population has fallen 1.05 percent since the 2020 census base of 196,412, to 194,345 on July 1, 2024. In 2024 there were 1,969 births against 2,108 deaths, with net migration of 266. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Sangamon County?
$75,357. The median owner-occupied home is valued at $176,300, which is 2.3 times income, and median gross rent is $983 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Sangamon County?
4,925 establishments, employing 80,005 people with an annual payroll of $4.30 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Sangamon County?
Health care and social assistance is the largest private sector at 19,916 jobs, 14.8 percent of covered employment. Covered employment averages 134,376 jobs at an average annual pay of $69,350, or $1,334 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Sangamon County?
228 7(a) approvals totaling $83.1 m since FY2020, across 36 lenders, with a median approval of $146,500, plus 115 504 approvals worth $55.9 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Sangamon County get paid back?
Of the 45 loans that have reached a final outcome, 42 were paid in full and 3 charged off, a charge-off rate of 6.7 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Sangamon County?
191 housing units were authorized by permit in 2024, with a declared construction value of $51.8 m. Multifamily was 35.6 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Sangamon 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 Sangamon County come from?
The largest single origin is Cook County, with 285 households. Arriving households report an average income of $58,644 against $74,307 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Sangamon 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 Sangamon 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.
Sangamon County
Cities and places in Sangamon.
26 Census places lie wholly or partly in Sangamon County. All 26 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 |
|---|---|---|---|---|
| Springfield | city | 113,330 | 184 | Wholly in this county |
| Chatham | village | 14,639 | 7 | Wholly in this county |
| Sherman | village | 4,386 | 1 | Wholly in this county |
| Auburn | city | 4,306 | 5 | Wholly in this county |
| Rochester | village | 3,766 | 13 | Wholly in this county |
| Riverton | village | 3,513 | 2 | Wholly in this county |
| Virden | city | 3,171 | None recorded | 8.3 percent here, 91.7 percent Macoupin County |
| Pawnee | village | 2,738 | 2 | Wholly in this county |
| Jerome | village | 1,807 | None recorded | Wholly in this county |
| Southern View | village | 1,751 | None recorded | Wholly in this county |
| Leland Grove | city | 1,517 | None recorded | Wholly in this county |
| New Berlin | village | 1,442 | 1 | Wholly in this county |
| Williamsville | village | 1,314 | None recorded | Wholly in this county |
| Grandview | village | 1,243 | None recorded | Wholly in this county |
| Divernon | village | 1,164 | 2 | Wholly in this county |
| Illiopolis | village | 890 | 1 | Wholly in this county |
| Pleasant Plains | village | 886 | 2 | Wholly in this county |
| Spaulding | village | 879 | None recorded | Wholly in this county |
| Loami | village | 782 | 1 | Wholly in this county |
| Mechanicsburg | village | 728 | 1 | Wholly in this county |
| Dawson | village | 536 | None recorded | Wholly in this county |
| Thayer | village | 531 | None recorded | Wholly in this county |
| Buffalo | village | 482 | 3 | Wholly in this county |
| Cantrall | village | 142 | None recorded | Wholly in this county |
| Curran | village | 115 | None recorded | Wholly in this county |
| Berlin | village | 103 | None recorded | Wholly in this county |
A further 3 of the county's 228 SBA 7(a) approvals are to borrowers in cities that match no Census place in Sangamon County, the largest being Glenarm (2), West Harrison (1). 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.