HomeIllinoisWhite CountyCarmi city
Carmi city, Illinois: commercial real estate data.
Carmi city 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.
70 sourced place values · tier FULL · 8 sections
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 7(a) lending to Carmi borrowers
- Approvals8
- Gross approval$2,481,200
- Average approval$310,150
- Median approval$250,000
- Ninetieth percentile approval$860,000
- Largest approval$860,000
- Jobs supported33
- Jobs per approval4.1
- Loans with a final outcome4
- Paid in full4
- Charged off0
- Median term147 months
- Share on real estate terms of 20 years or more37.5 percent
- Share to franchises0.0 percent
- Distinct lenders3
- Distinct industries by NAICS7
A charge-off rate is not published here. only 4 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.
Carmi
Flood programme status in Carmi
- Listed NFIP communities1
- Of those, participating1
- NFIP community number170681
- Currently effective map date02/16/12
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.
White County, not Carmi
White County context, not Carmi figures
These are White County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Carmi measurements.
- Establishments in White County340
- Employment at those establishments, White County3,219
- Covered employment, White County4,205
- Average annual pay, White County$49,671
- Average weekly wage, White County$955
- Housing units permitted, White County0
- Of those, single family, White County0
- County product, 2024, White County$724,369,000
- County product change over the prior year, White County3.1 percent
- Average income of an arriving household, White County$44,671
Every figure in this section is published for White County as a whole and is not a measurement of Carmi. 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
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 totalling $2.5 m, 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 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 Carmi in the National Flood Insurance Program?
Yes. Carmi appears in the FEMA Community Status Book as 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 labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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