White County, Illinois: commercial real estate data.
White County, Illinois had an estimated 13,395 residents on July 1, 2024, down 3.5 percent since the 2020 census base of 13,876, across 495 square miles. County output reached $724.4 m in 2024, 340 establishments operate here, and the SBA record carries 11 7(a) approvals worth $4.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
White County
How many people live in White County
- Population, American Community Survey 2020-202413,619
- Households5,672
- Average household size2.40
- Median household income$54,813
- Median age44.3
- Median gross rent$719 per month
- Median owner-occupied home value$108,100
- Home value to household income2.0 times
- Annual rent as a share of median income15.7 percent
- Adults 25 and over with a bachelor degree or higher18.3 percent
- Adults 25 and over with a graduate degree6.4 percent
- Adults 25 and over9,813
- Population under 182,957
- Share under 1821.7 percent
- Population 65 and over3,191
- Share 65 and over23.4 percent
- Working age population, 18 to 647,471
- Civilian labor force5,962
- Unemployment rate4.0 percent
- Labor force participation, adults 18 and over55.9 percent
- Rank by population among Illinois counties77th of 102
- Rank by population among US county-equivalents, Puerto Rico included2253rd of 3,222
White County is the 77th largest of 102 Illinois counties by population. A median home costs 2.0 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 23.4 percent against 21.7 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.
White County
Is White County's population growing?
- Population, July 1, 202413,395
- Census 2020 base population13,876
- Population change since the 2020 census base-3.47 percent
- Population change, 2023 to 2024-87
- Births, 202497
- Deaths, 2024229
- Natural change, 2024-132
- Net domestic migration, 202436
- Net international migration, 20249
- Total net migration, 202445
- Cumulative net domestic migration, 2021 to 202472
- Rank by growth among US county-equivalents2816th of 3,144
The county has lost 3.47 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.
White County
Where are people moving to White County from?
- Tax returns filed by households arriving249
- People arriving, from those returns439
- Tax returns filed by households leaving246
- Net household movement3
- Adjusted gross income arriving$11.1 m
- Net adjusted gross income movement$959,000
- Average income of an arriving household$44,671
- Average income of a leaving household$41,317
- Largest single originVanderburgh County (22 households)
- Largest single destinationVanderburgh County (26 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Vanderburgh County | 22 | 42 | $995,000 |
| Edwards County | 20 | 35 | $902,000 |
Households arriving report $3,354 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Vanderburgh 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.
White County
What is the White County economy?
- County GDP, 2024$724.4 m
- County GDP, 2023$702.4 m
- GDP change, 2023 to 20243.1 percent
- GDP change over five years61.6 percent
- Rank by GDP among the Illinois areas BEA publishes72nd of 102
- Rank by GDP among the US county areas BEA publishes2113th of 3,127
- GDP per resident$53,188
Output grew 3.1 percent in the latest year and 61.6 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.
White County
Employment by industry in White County
- Covered employment, annual average4,205
- Establishments reporting343
- Average annual pay$49,671
- Average weekly wage$955
- Retail trade, employment736
- Retail trade, average annual pay$55,586
- Mining, quarrying, and oil and gas extraction, employment350
- Mining, quarrying, and oil and gas extraction, average annual pay$64,723
- Accommodation and food services, employment261
- Accommodation and food services, average annual pay$18,405
- Wholesale trade, employment199
- Wholesale trade, average annual pay$65,457
- Finance and insurance, employment185
- Agriculture, forestry, fishing and hunting, employment129
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 736 | 60 | $55,586 |
| Mining, quarrying, and oil and gas extraction | 350 | 27 | $64,723 |
| Accommodation and food services | 261 | 24 | $18,405 |
| Wholesale trade | 199 | 17 | $65,457 |
| Finance and insurance | 185 | 17 | $64,326 |
| Agriculture, forestry, fishing and hunting | 129 | 26 | $52,752 |
| Administrative and support and waste management services | 120 | 11 | $65,483 |
| Arts, entertainment and recreation | 39 | 3 | $21,564 |
Retail trade is the largest private sector at 736 jobs, 17.5 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
White County
How many businesses are in White County?
- Establishments, all industries340
- Employment at those establishments3,219
- Annual payroll$148.7 m
- Establishments per 1,000 residents25.0
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.
White County
Building permits in White 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.
White County
SBA loans in White County (7(a) and 504)
- 7(a) approvals recorded11
- 7(a) gross approval dollars$4.9 m
- Average 7(a) approval$446,245
- Median 7(a) approval$250,000
- Largest single approval$1,377,500
- Jobs reported supported, 7(a)88
- Jobs per approval8.0
- Distinct 7(a) lenders active5
- Distinct industries receiving approvals9
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer27.3 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter7
- Franchise loans0
- Franchise share of approvals0.0 percent
- Most active lenderPeoples National Bank National Association (7)
- 504 approvals recorded1
- 504 gross approval dollars$2.1 m
- Average 504 approval$2,127,000
- Median 504 approval$2,127,000
- Distinct CDCs active1
- 504 jobs per approval5.0
- 504 jobs per million dollars approved2.4
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$7.0 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.
White County
SBA loan default and charge-off rates in White County
Do SBA loans in White County get paid back?
- Loans with a final outcome recorded6
- Paid in full6
- Charged off0
- Status: Paid in full6
- Status: Exempt from disclosure4
- Status: Cancelled1
Only 6 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.
White County
SBA lending by place in White County
- Borrower cities with recorded lending4
- Carmi, approvals8
- Grayville, approvals1
- Burnt Prairie, approvals1
- Norris City, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Carmi | 8 | $2,481,200 |
| Grayville | 1 | $1,377,500 |
| Burnt Prairie | 1 | $1,000,000 |
| Norris City | 1 | $50,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
White County
How large is White County?
- Land area495 sq mi
- Rank by land area among Illinois counties55th of 102
- Width, east to west25.2 mi
- Height, north to south25.7 mi
- Geographies sharing a boundary7
- Residents per square mile of land28
- Establishments per square mile0.69
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.
White County
Flood risk in White County
- Participation of the county's own NFIP community White County, unincorporated areasParticipating, community 170906
- Communities in the county in the NFIP Community Status Book7
- Of those, participating in the NFIP5
- NFIP participation rate71.4 percent
- Communities carrying a CRS class0
- Radon levels in White 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 White County (community 170906), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places White 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. 71.4 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 White 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 White County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202413,619
- Households5,672
- Average household size2.40
- Median household income$54,813
- Median age44.3
Common questions
White County questions, answered from the record.
How many people live in White County, Illinois?
The Census Bureau estimates 13,395 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 13,619, in 5,672 households, ranking 77th of 102 Illinois counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is White County's population growing?
The population has fallen 3.47 percent since the 2020 census base of 13,876, to 13,395 on July 1, 2024. In 2024 there were 97 births against 229 deaths, with net migration of 45. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in White County?
$54,813. The median owner-occupied home is valued at $108,100, which is 2.0 times income, and median gross rent is $719 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in White County?
340 establishments, employing 3,219 people with an annual payroll of $148.7 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 White County?
Retail trade is the largest private sector at 736 jobs, 17.5 percent of covered employment. Covered employment averages 4,205 jobs at an average annual pay of $49,671, or $955 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in White County?
11 7(a) approvals totaling $4.9 m since FY2020, across 5 lenders, with a median approval of $250,000, plus 1 504 approvals worth $2.1 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in White 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 White 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 White County come from?
The largest single origin is Vanderburgh County, with 22 households. Arriving households report an average income of $44,671 against $41,317 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for White 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 White 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.
White County
Cities and places in White.
10 Census places lie wholly or partly in White County. All 10 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 |
|---|---|---|---|---|
| Carmi | city | 4,845 | 8 | Wholly in this county |
| Norris City | village | 1,624 | 1 | Wholly in this county |
| Grayville | city | 1,590 | 1 | 63.6 percent here, 36.4 percent Edwards County |
| Crossville | village | 679 | None recorded | Wholly in this county |
| Enfield | village | 546 | None recorded | Wholly in this county |
| Mill Shoals | village | 126 | None recorded | 82.3 percent here, 17.7 percent Wayne County |
| Springerton | village | 89 | None recorded | Wholly in this county |
| Maunie | village | 57 | None recorded | Wholly in this county |
| Phillipstown | village | 54 | None recorded | Wholly in this county |
| Burnt Prairie | village | 43 | 1 | Wholly in this county |