HomeIllinoisWinnebago CountyRockford city
Rockford city, Illinois: commercial real estate data.
Rockford city is a Census city of 147,521 people across 65.31 square miles of land, in Winnebago County. Median household income is $54,752, 54.9 percent of occupied homes are owned, and the SBA record carries 142 7(a) approvals to borrowers here worth $91.4 m.
83 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Rockford
What Rockford is
- Census place typecity
- Land area65.31 sq mi
- Water area1.01 sq mi
- Population per square mile of land2,259
- County holding the largest share of its areaWinnebago County, 99.1 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.
Rockford
How many people live in Rockford
- Population147,521
- Median age37.7
- Population under 1835,677
- Share under 1824.2 percent
- Population 65 and over26,200
- Share 65 and over17.8 percent
- Households61,324
- Family households35,175
- Share of households that are families57.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Rockford
Income and work in Rockford
- Median household income$54,752
- Per capita income$31,263
- Civilian labor force68,998
- Employed63,139
- Unemployed5,859
- Unemployment rate8.5 percent
- Adults 25 and over98,585
- Adults 25 and over with a high school diploma or higher84.9 percent
- Adults 25 and over with a bachelor degree or higher23.5 percent
- Adults 25 and over with a graduate degree9.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Rockford
Housing in Rockford
- Housing units67,423
- Occupied units61,324
- Vacant units6,099
- Vacancy rate9.0 percent
- Owner occupied33,697
- Renter occupied27,627
- Ownership rate54.9 percent
- Median owner-occupied home value$129,000
- Median gross rent, monthly$985
- Annual rent as a share of median income21.6 percent
- Single family units44,544
- Share single family66.1 percent
- Units in buildings of two or more22,487
- Share in buildings of two or more33.4 percent
- Mobile homes375 plus or minus 201
- Median year structure built1963
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Rockford
How Rockford gets to work
- Workers 16 and over who commute55,285
- Commuting under 15 minutes19,231
- Share commuting under 15 minutes34.8 percent
- Commuting 30 minutes or more11,837
- Share commuting 30 minutes or more21.4 percent
- Drove alone74.3 percent
- Carpooled11.7 percent
- Public transport1.0 percent plus or minus 0.3
- Walked1.3 percent plus or minus 0.4
- Worked from home10.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Rockford
SBA loans in Rockford (7(a))
- Approvals142
- Gross approval$91,360,500
- Average approval$643,384
- Median approval$200,000
- Ninetieth percentile approval$1,550,000
- Largest approval$5,000,000
- Jobs supported2,454
- Jobs per approval17.3
- Loans with a final outcome33
- Paid in full32
- Charged off1
- Charge-off rate over resolved loans3.0 percent
- Median term120 months
- Share on real estate terms of 20 years or more13.4 percent
- Share to franchises20.4 percent
- Distinct lenders32
- Distinct industries by NAICS62
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Rockford
SBA loans in Rockford (504)
- Approvals97
- Gross approval$56,250,000
- Average approval$579,897
- Median approval$352,000
- Largest approval$3,948,000
- Jobs supported1,004
- Loans with a final outcome39
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term240 months
- Distinct CDCs4
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Rockford
Flood risk in Rockford
- Listed NFIP communities1
- Of those, participating1
- Best Community Rating System classClass 7
- NFIP community number170723
- Currently effective map date02/17/16
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Winnebago County, not Rockford
Winnebago County context, not Rockford figures
These are Winnebago County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Rockford measurements.
- Establishments in Winnebago County6,286
- Employment at those establishments, Winnebago County117,137
- Covered employment, Winnebago County126,415
- Average annual pay, Winnebago County$59,400
- Average weekly wage, Winnebago County$1,142
- Housing units permitted, Winnebago County284
- Of those, single family, Winnebago County248
- County product, 2024, Winnebago County$18,797,963,000
- County product change over the prior year, Winnebago County4.1 percent
- Average income of an arriving household, Winnebago County$50,453
Every figure in this section is published for Winnebago County as a whole and is not a measurement of Rockford. 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
Rockford questions, answered from the record.
How many people live in Rockford, Illinois?
147,521, in 61,324 households. Rockford city covers 65.31 square miles of land, which is 2,259 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Rockford in?
Winnebago County, which holds 99.1 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Rockford?
$54,752. The median owner-occupied home is valued at $129,000. Median gross rent is $985 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Rockford businesses?
142 7(a) approvals totalling $91.4 m, across 32 lenders, median approval $200,000, plus 97 504 approvals worth $56.3 m. These count approvals to borrowers whose address is in Rockford, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Rockford borrowers get paid back?
Of the 33 loans that have reached a final outcome, 32 were paid in full and 1 charged off, a charge off rate of 3.0 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Rockford in the National Flood Insurance Program?
Yes. Rockford appears in the FEMA Community Status Book as community 170723, carrying Community Rating System class 7, which is a premium discount for exceeding the programme minimum. 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 Rockford figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Winnebago 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 Rockford.
Is zoning published for Rockford?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.