1st Advantage MortgageMedian rent in Vermilion County is $838 a month against a median household income of $56,877, about 18% of income (ACS 2020-24). Borrow only what the expense needs, pick the shortest affordable term, and walk away from any lender asking a Vermilion County applicant for an upfront fee.
On this page
- Vermilion County, IL: the basics
- Vermilion County industries and commutes
- Vermilion County's most unusual numbers
- Renting and owning in Vermilion County
- Household income in Vermilion County
- Nearby counties: income, rent, ownership
- Places inside Vermilion County
- What a median Vermilion County budget can carry
- Vermilion County residents: age, schooling, coverage
- Reading the Vermilion County data as a borrower
- Lender oversight for Vermilion County
- A Vermilion County borrower's checklist
- More guides for Vermilion County
- Frequently asked questions
Vermilion County, IL: the basics
The latest five-year Census estimate puts Vermilion County's population at 72,386; only 20 of Illinois's 102 county-level areas are larger. Vermilion County spans 898 square miles; with 72,386 people, that is 80.6 per square mile. No metropolitan area includes Vermilion County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Of the 22 Census places inside Vermilion County, Danville leads by population with about 28,595; 20 of the 22 are incorporated.
Vermilion County industries and commutes
The biggest employer of Vermilion County residents, by industry, is education and health care at 22% of workers, followed by manufacturing (15%). Vermilion County over-indexes on manufacturing: 15% versus 11% in Illinois. 6.1% of Vermilion County's labor force reported being unemployed, averaged across 2020 to 2024. 8% of commuters travel 45 minutes or more each way, and 10% work from home.
| Industry (employed residents 16+) | Vermilion County | Gap to Illinois |
|---|---|---|
| Education and health care | 22.0% | -1.6 pts |
| Manufacturing | 14.5% | +3.0 pts |
| Retail trade | 10.9% | +0.6 pts |
| Finance, insurance and real estate | 7.9% | +0.5 pts |
| Transportation, warehousing and utilities | 6.7% | -0.3 pts |
| Professional and administrative services | 6.5% | -6.3 pts |
Seasonal work is common in many Vermilion County industries; if that is you, show a full year of income rather than one strong month.
Vermilion County's most unusual numbers
Out of every Illinois county, Vermilion County is most unusual on these measures.
- On the poverty rate, Vermilion County sits near the top of Illinois at 17.7%, 9th highest of 102. Nonprofit credit counseling is free or low cost and worth a call first.
- Vermilion County ranks 9th lowest of 102 Illinois counties for median home value: $97,200, against $263,300 statewide. Lower values mean less equity to tap, so unsecured loans are the usual route.
- Vermilion County ranks 13th lowest of 102 Illinois counties for the share of commutes over 45 minutes: 8%, against 20% statewide. Less driving means fewer surprise repair bills.
Renting and owning in Vermilion County
Vermilion County rent at the median: $838 a month, utilities in ($1,274 in Illinois). Rent takes 30% or more of income for 46% of renter households here. The median owner-occupied home is valued at $97,200, about 1.7 times the median household income. Owners occupy 70% of homes. Nationally, Vermilion County's $838 rent is 4% below the middle county.
| Vermilion County | Illinois | Difference | |
|---|---|---|---|
| Median home value | $97,200 | $263,300 | 63% lower |
| Burdened owners | 21% | 27% | -6.1 pts |
| Vacant units | 12% | 8% | +4.6 pts |
| Median gross rent | $838/mo | $1,274/mo | 34% lower |
| Owners | 70% | 67% | +3.1 pts |
| Mobile homes | 5.3% | 2.3% | +3.0 pts |
| Rent-burdened renters | 46% | 48% | -1.7 pts |
Household income in Vermilion County
The median household income in Vermilion County is $56,877; statewide it is $83,390, so Vermilion County runs 32% below Illinois as a whole. In the state ranking that is 90th of 102.
| Band | Vermilion County | Compared with Illinois |
|---|---|---|
| Under $35,000 | 30.9% | +10.0 pts |
| $35,000 to $99,999 | 42.9% | +5.8 pts |
| $100,000 to $199,999 | 22.3% | -5.8 pts |
| $200,000 or more | 3.8% | -10.0 pts |
About 31% of households earn under $35,000, while 26% clear $100,000. Poverty rate, Vermilion County: 17.7%; Illinois: 11.8%. Vermilion County scores 0.442 on the Gini index, where higher means more unequal incomes. If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Vermilion County median.
Nearby counties: income, rent, ownership
Nearest neighbors first, measured between county centers (22 to 36 miles). All of the six report a higher median household income than Vermilion County; Warren County is highest at $82,425 and Edgar County lowest at $59,941. Some neighbors are in Indiana. Lender licensing is state by state, so a loan for a Vermilion County resident follows Illinois rules.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Vermilion County | - | $56,877 | $838/mo | 70% |
| Warren County, IN | 22 mi | $82,425 | $830/mo | 82% |
| Champaign County, IL | 25 mi | $63,683 | $1,051/mo | 54% |
| Fountain County, IN | 26 mi | $62,542 | $843/mo | 75% |
| Vermillion County, IN | 27 mi | $60,200 | $750/mo | 75% |
| Edgar County, IL | 35 mi | $59,941 | $775/mo | 73% |
| Benton County, IN | 36 mi | $65,875 | $774/mo | 80% |
Places inside Vermilion County
The table lists the 14 largest of 22 Census places in Vermilion County, by population. Together all 22 hold about 53,163 people, so roughly 27% of residents live outside any named place. Incomes vary by place: $80,500 at the median in Fithian, $41,250 in Rankin. No Vermilion County place has a separate guide yet; this county page serves all 22.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Danville | city | 28,595 | $45,957 | $846 | 7 mi |
| Hoopeston | city | 5,034 | $60,861 | $882 | 19 mi |
| Westville | village | 3,419 | $54,912 | $805 | 11 mi |
| Georgetown | city | 3,069 | $58,182 | $757 | 15 mi |
| Tilton | village | 2,453 | $55,697 | $877 | 8 mi |
| Catlin | village | 2,160 | $72,277 | $931 | 8 mi |
| Oakwood | village | 1,380 | $46,293 | $695 | 6 mi |
| Rossville | village | 1,332 | $62,417 | $782 | 14 mi |
| Ridge Farm | village | 827 | $50,313 | $690 | 20 mi |
| Potomac | village | 605 | $53,194 | $780 | 9 mi |
| Rankin | village | 601 | $41,250 | $767 | 21 mi |
| Fithian | village | 578 | $80,500 | $1,039 | 9 mi |
| Fairmount | village | 555 | $60,500 | $783 | 11 mi |
| Bismarck | village | 507 | $79,583 | $856 | 8 mi |
What a median Vermilion County budget can carry
How much room does a median Vermilion County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- $4,740 a month: gross income for a household at the Vermilion County median
- Median rent: $838, or 18 cents of every gross dollar
- $868: what a 36% ratio leaves once rent is paid
- Under a 43% cap, $2,038 total minus rent leaves $1,200
A household below the $56,877 median has less room than this, often none.
Vermilion County residents: age, schooling, coverage
Bachelor's degree or higher: 19% of Vermilion County adults. 4.9% of residents have no health coverage.
| Indicator | Vermilion County | +/- Illinois | +/- U.S. county |
|---|---|---|---|
| Median age | 41.3 | +2.3 yrs | -0.2 yrs |
| Bachelor's or higher | 19.2% | -18.6 pts | -2.9 pts |
| No high school diploma | 9.0% | -0.5 pts | n/a |
| No health insurance | 4.9% | -2.0 pts | -3.0 pts |
| No vehicle | 9.1% | -1.8 pts | +3.7 pts |
| Work from home | 9.9% | -5.9 pts | +1.3 pts |
| Poverty rate | 17.7% | +5.9 pts | +4.5 pts |
| Unemployment (ACS) | 6.1% | +0.3 pts | +1.7 pts |
| Minutes to work | Vermilion County workers |
|---|---|
| Under 15 min | 42.9% |
| 15 to 29 min | 31.7% |
| 30 to 44 min | 17.2% |
| 45 to 59 min | 4.6% |
| 60+ min | 3.6% |
Reading the Vermilion County data as a borrower
A few patterns in the Vermilion County data, and the practical point behind each:
- Rent at $838. With 46% burdened, a short term and small amount keep risk down.
- Know your credit. Review all three bureau reports for free (AnnualCreditReport.com).
- Combining balances. It helps when total cost falls and the cards stay paid down (consolidation).
Lender oversight for Vermilion County
No county office licenses personal lenders. For Vermilion County, check the Illinois Department of Financial and Professional Regulation. Problems with a lender can also go to the CFPB. State-level detail for Vermilion County borrowers is in the Illinois guide.
A Vermilion County borrower's checklist
A short checklist for Vermilion County borrowers:
- Write down what the expense costs; a smaller loan costs less.
- Ask each lender for the APR and all fees in writing.
- Verify the Illinois license before giving out your Social Security number.
- Ask a Vermilion County credit union about member loans.
More guides for Vermilion County
The Illinois guide covers the whole state.
Frequently asked questions
What is the median household income in Vermilion County?
$56,877 a year in the 2020 to 2024 Census survey, versus $83,390 for Illinois. It ranks 90th of 102 in the state.
Can a Vermilion County renter afford a loan payment?
At the $838 median rent and $4,740 median monthly income, rent alone uses 18%; add other debts before a new payment.
Does this page cover Danville?
Yes, along with the other 21 Census places in Vermilion County, such as Hoopeston, Westville, Georgetown.
Are Vermilion County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.
Where can someone in Vermilion County check a lender's license?
With the Illinois Department of Financial and Professional Regulation. If a lender is unlicensed or asks for a fee before funding, walk away.