HomeIllinoisStephenson CountyPearl City village
Pearl City village, Illinois: commercial real estate data.
Pearl City village 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.
70 sourced place values · tier FULL · 8 sections · 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
- Ninetieth percentile 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
A charge-off rate is not published here. only 0 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
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
- Listed NFIP communities2
- Of those, participating2
- NFIP community number170642
- Currently effective map date03/03/11
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.
Stephenson County, not Pearl City
Stephenson County context, not Pearl City figures
These are Stephenson County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Pearl City measurements.
- Establishments in Stephenson County1,003
- Employment at those establishments, Stephenson County15,626
- Covered employment, Stephenson County17,367
- Average annual pay, Stephenson County$55,932
- Average weekly wage, Stephenson County$1,076
- Housing units permitted, Stephenson County5
- Of those, single family, Stephenson County5
- County product, 2024, Stephenson County$2,485,213,000
- County product change over the prior year, Stephenson County6.2 percent
- Average income of an arriving household, Stephenson County$49,710
Every figure in this section is published for Stephenson County as a whole and is not a measurement of Pearl City. 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
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 totalling $500,000, 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 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. 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 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 labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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