HomeIllinoisWhiteside CountyRock Falls
Rock Falls, Illinois: commercial real estate data.
Rock Falls is a Census city of 8,587 people across 3.98 square miles of land, in Whiteside County. Median household income is $49,600, 67.4 percent of occupied homes are owned, and the SBA record carries 3 7(a) approvals to borrowers here worth $635,800 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Rock Falls
What Rock Falls is
- Census place typecity
- Land area3.98 sq mi
- Water area0.14 sq mi
- Population per square mile of land2,156
- County holding the largest share of its areaWhiteside 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.
Rock Falls
How many people live in Rock Falls
- Population8,587
- Median age37.7
- Population under 182,040
- Share under 1823.8 percent
- Population 65 and over1,675
- Share 65 and over19.5 percent
- Households3,797
- Family households2,039
- Share of households that are families53.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Rock Falls
Income and work in Rock Falls
- Median household income$49,600
- Per capita income$33,035
- Civilian labor force4,231
- Employed3,953
- Unemployed278 plus or minus 129
- Unemployment rate6.6 percent plus or minus 3.0
- Adults 25 and over5,948
- Adults 25 and over with a high school diploma or higher87.5 percent
- Adults 25 and over with a bachelor degree or higher13.4 percent plus or minus 3.5
- Adults 25 and over with a graduate degree3.7 percent plus or minus 1.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Rock Falls
Housing in Rock Falls
- Housing units4,362
- Occupied units3,797
- Vacant units565 plus or minus 179
- Vacancy rate13.0 percent plus or minus 4.0
- Owner occupied2,560
- Renter occupied1,237
- Ownership rate67.4 percent
- Median owner-occupied home value$83,900
- Median gross rent, monthly$754
- Annual rent as a share of median income18.2 percent
- Single family units3,419
- Share single family78.4 percent
- Units in buildings of two or more909 plus or minus 221
- Share in buildings of two or more20.8 percent plus or minus 4.9
- Mobile homes34 plus or minus 44
- Median year structure built1961
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Rock Falls
How Rock Falls gets to work
- Workers 16 and over who commute3,431
- Commuting under 15 minutes1,889
- Share commuting under 15 minutes55.1 percent
- Commuting 30 minutes or more401 plus or minus 134
- Share commuting 30 minutes or more11.7 percent plus or minus 3.7
- Drove alone78.1 percent
- Carpooled9.8 percent plus or minus 3.4
- Public transport1.1 percent plus or minus 1.5
- Walked1.9 percent plus or minus 1.3
- Worked from home6.8 percent plus or minus 3.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Rock Falls
SBA loans in Rock Falls (7(a))
- Approvals3
- Gross approval$635,800
- Average approval$211,933
- Median approval$150,000
- Largest approval$410,800
- Jobs supported32
- Jobs per approval10.7
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more33.3 percent
- Share to franchises33.3 percent
- Distinct lenders3
- Distinct industries by NAICS3
Counted by borrower city: approvals to borrowers whose address is in Rock Falls, 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.
Rock Falls
SBA loans in Rock Falls (504)
- Approvals3
- Gross approval$563,000
- Average approval$187,667
- Median approval$210,000
- Largest approval$241,000
- Jobs supported11
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Rock Falls, in any county, FY2010 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Rock Falls
Flood risk in Rock Falls
- NFIP communityCity of Rock Falls
- NFIP community number170694
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date02/18/11
The City of Rock Falls participates in the National Flood Insurance Program as community 170694 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.
Whiteside County, not Rock Falls
Whiteside County context, not Rock Falls figures
- Establishments in Whiteside County1,158
- Covered employment, Whiteside County21,197
- Average annual pay, Whiteside County$54,164
- Housing units permitted, Whiteside County25
Every figure in this section is published for Whiteside County as a whole and is not a measurement of Rock Falls.
All Whiteside 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
Rock Falls questions, answered from the record.
How many people live in Rock Falls, Illinois?
8,587, in 3,797 households. Rock Falls city covers 3.98 square miles of land, which is 2,156 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Rock Falls in?
Whiteside 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 Rock Falls?
$49,600. The median owner-occupied home is valued at $83,900. Median gross rent is $754 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Rock Falls businesses?
3 7(a) approvals totaling $635,800 since FY2020, across 3 lenders, median approval $150,000, plus 3 504 approvals worth $563,000 since FY2010. These count approvals to borrowers whose address is in Rock Falls, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Rock Falls borrowers get paid back?
No rate is published for Rock Falls. 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 Rock Falls in the National Flood Insurance Program?
Yes. Rock Falls appears in the FEMA Community Status Book as Rock Falls, city of, community 170694, 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 Rock Falls figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Whiteside 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 Rock Falls.
Is zoning published for Rock Falls?
No. Nothing on this page presents parcel level zoning.
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