Carmi, Illinois: commercial real estate data.
Carmi is a Census city of 4,845 people across 2.59 square miles of land, in White County. Median household income is $47,827, 69.1 percent of occupied homes are owned, and the SBA record carries 8 7(a) approvals to borrowers here worth $2.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Carmi
What Carmi is
- Census place typecity
- Land area2.59 sq mi
- Water area0.03 sq mi
- Population per square mile of land1,871
- County holding the largest share of its areaWhite 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.
Carmi
How many people live in Carmi
- Population4,845
- Median age44.2
- Population under 181,062
- Share under 1821.9 percent
- Population 65 and over1,187
- Share 65 and over24.5 percent
- Households2,163
- Family households1,121
- Share of households that are families51.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Carmi
Income and work in Carmi
- Median household income$47,827 plus or minus $13,005
- Per capita income$28,869
- Civilian labor force1,988
- Employed1,934
- Unemployed54 plus or minus 44
- Unemployment rate2.7 percent plus or minus 2.2
- Adults 25 and over3,573
- Adults 25 and over with a high school diploma or higher88.2 percent
- Adults 25 and over with a bachelor degree or higher15.8 percent plus or minus 4.7
- Adults 25 and over with a graduate degree6.0 percent plus or minus 2.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Carmi
Housing in Carmi
- Housing units2,622
- Occupied units2,163
- Vacant units459 plus or minus 177
- Vacancy rate17.5 percent plus or minus 6.6
- Owner occupied1,494
- Renter occupied669 plus or minus 164
- Ownership rate69.1 percent
- Median owner-occupied home value$114,800
- Median gross rent, monthly$839 plus or minus $270
- Annual rent as a share of median income21.1 percent plus or minus 8.9
- Single family units2,149
- Share single family82.0 percent
- Units in buildings of two or more245 plus or minus 102
- Share in buildings of two or more9.3 percent plus or minus 3.8
- Mobile homes228 plus or minus 114
- Median year structure built1956
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Carmi
How Carmi gets to work
- Workers 16 and over who commute1,757
- Commuting under 15 minutes959 plus or minus 211
- Share commuting under 15 minutes54.6 percent
- Commuting 30 minutes or more542 plus or minus 162
- Share commuting 30 minutes or more30.8 percent plus or minus 8.6
- Drove alone80.5 percent
- Carpooled11.6 percent plus or minus 6.3
- Public transport0.0 percent
- Walked0.9 percent plus or minus 1.0
- Worked from home4.9 percent plus or minus 3.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Carmi
SBA loans in Carmi (7(a))
- Approvals8
- Gross approval$2,481,200
- Average approval$310,150
- Median approval$250,000
- Largest approval$860,000
- Jobs supported33
- Jobs per approval4.1
- Loans with a final outcome4
- Paid in full4
- Charged off0
- Median term134 months
- Share on real estate terms of 20 years or more37.5 percent
- Share to franchises0.0 percent
- Distinct lenders3
- Distinct industries by NAICS7
Counted by borrower city: approvals to borrowers whose address is in Carmi, in any county, FY2020 to FY2026. Only 4 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.
Carmi
Flood risk in Carmi
- NFIP communityCity of Carmi
- NFIP community number170681
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date02/16/12
The City of Carmi participates in the National Flood Insurance Program as community 170681 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.
White County, not Carmi
White County context, not Carmi figures
- Establishments in White County340
- Covered employment, White County4,205
- Average annual pay, White County$49,671
- Housing units permitted, White County0
Every figure in this section is published for White County as a whole and is not a measurement of Carmi.
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
Carmi questions, answered from the record.
How many people live in Carmi, Illinois?
4,845, in 2,163 households. Carmi city covers 2.59 square miles of land, which is 1,871 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Carmi in?
White 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 Carmi?
$47,827. The median owner-occupied home is valued at $114,800. Median gross rent is $839 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Carmi businesses?
8 7(a) approvals totaling $2.5 m since FY2020, across 3 lenders, median approval $250,000. These count approvals to borrowers whose address is in Carmi, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Carmi borrowers get paid back?
No rate is published for Carmi. Only 4 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 Carmi in the National Flood Insurance Program?
Yes. Carmi appears in the FEMA Community Status Book as Carmi, city of, community 170681, 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 Carmi figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for White 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 Carmi.
Is zoning published for Carmi?
No. Nothing on this page presents parcel level zoning.
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