HomeIllinoisStephenson CountyPearl City
Pearl City, Illinois: commercial real estate data.
Pearl City is a Census village of 745 people across 0.65 square miles of land, in Stephenson County. Median household income is $63,295, 69.6 percent of occupied homes are owned, and the SBA record carries 1 7(a) approvals to borrowers here worth $500,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Pearl City
What Pearl City is
- Census place typevillage
- Land area0.65 sq mi
- Water area0.01 sq mi
- Population per square mile of land1,154 plus or minus 297
- County holding the largest share of its areaStephenson 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.
Pearl City
How many people live in Pearl City
- Population745 plus or minus 192
- Median age32.3 plus or minus 8.1
- Population under 18277 plus or minus 78
- Share under 1837.2 percent
- Population 65 and over90 plus or minus 29
- Share 65 and over12.1 percent
- Households283 plus or minus 61
- Family households186 plus or minus 45
- Share of households that are families65.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Pearl City
Income and work in Pearl City
- Median household income$63,295 plus or minus $14,788
- Per capita income$32,415
- Civilian labor force341 plus or minus 88
- Employed336 plus or minus 88
- Unemployed5 plus or minus 6
- Unemployment rate1.5 percent plus or minus 1.7
- Adults 25 and over417
- Adults 25 and over with a high school diploma or higher95.7 percent plus or minus 25.8
- Adults 25 and over with a bachelor degree or higher18.7 percent plus or minus 6.0
- Adults 25 and over with a graduate degree5.3 percent plus or minus 4.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Pearl City
Housing in Pearl City
- Housing units291 plus or minus 61
- Occupied units283 plus or minus 61
- Vacant units8 plus or minus 9
- Vacancy rate2.7 percent plus or minus 3.0
- Owner occupied197 plus or minus 46
- Renter occupied86 plus or minus 31
- Ownership rate69.6 percent
- Median owner-occupied home value$128,200
- Median gross rent, monthly$744
- Annual rent as a share of median income14.1 percent plus or minus 3.5
- Single family units234 plus or minus 48
- Share single family80.4 percent plus or minus 23.6
- Units in buildings of two or more57 plus or minus 30
- Share in buildings of two or more19.6 percent plus or minus 9.5
- Mobile homes0
- Median year structure built1974
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Pearl City
How Pearl City gets to work
- Workers 16 and over who commute292 plus or minus 75
- Commuting under 15 minutes71 plus or minus 28
- Share commuting under 15 minutes24.3 percent plus or minus 7.2
- Commuting 30 minutes or more75 plus or minus 28
- Share commuting 30 minutes or more25.7 percent plus or minus 7.2
- Drove alone86.4 percent
- Carpooled3.1 percent plus or minus 2.7
- Public transport0.0 percent
- Walked0.6 percent plus or minus 0.9
- Worked from home9.6 percent plus or minus 4.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Pearl City
SBA loans in Pearl City (7(a))
- Approvals1
- Gross approval$500,000
- Average approval$500,000
- Median approval$500,000
- Largest approval$500,000
- Jobs supported20
- Jobs per approval20.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders1
- Distinct industries by NAICS1
Counted by borrower city: approvals to borrowers whose address is in Pearl City, in any county, FY2020 to FY2026. Only 0 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.
Pearl City
Flood risk in Pearl City
- NFIP communityVillage of Pearl City
- NFIP community number170642
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date03/03/11
The Village of Pearl City participates in the National Flood Insurance Program as community 170642 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Stephenson County, not Pearl City
Stephenson County context, not Pearl City figures
- Establishments in Stephenson County1,003
- Covered employment, Stephenson County17,367
- Average annual pay, Stephenson County$55,932
- Housing units permitted, Stephenson County5
Every figure in this section is published for Stephenson County as a whole and is not a measurement of Pearl City.
All Stephenson County figures →
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
Pearl City questions, answered from the record.
How many people live in Pearl City, Illinois?
745, in 283 households. Pearl City village covers 0.65 square miles of land, which is 1,154 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Pearl City in?
Stephenson 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 Pearl City?
$63,295. The median owner-occupied home is valued at $128,200. Median gross rent is $744 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Pearl City businesses?
1 7(a) approvals totaling $500,000 since FY2020, across 1 lenders, median approval $500,000. These count approvals to borrowers whose address is in Pearl City, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Pearl City borrowers get paid back?
No rate is published for Pearl City. Only 0 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 Pearl City in the National Flood Insurance Program?
Yes. Pearl City appears in the FEMA Community Status Book as Pearl City, village of, community 170642, 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 Pearl City figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Stephenson 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 Pearl City.
Is zoning published for Pearl City?
No. Nothing on this page presents parcel level zoning.
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