Winnebago County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.34, -89.16.
Assembled 2026-10-19. Read the brief.
- 42nd pct · 1,761st of 3,063 US counties · median $230,451
- 80th pct · 21st of 102 Illinois counties · median $158,551
- counties in the Rockford metro: Rank context is unavailable: the manifest lists 2 counties in the Rockford metro; fewer than 5 is too few to rank.
- 94th pct · 176th of 3,062 US counties · median +2.9%
- 88th pct · 13th of 102 Illinois counties · median +5.0%
- counties in the Rockford metro: Rank context is unavailable: the manifest lists 2 counties in the Rockford metro; fewer than 5 is too few to rank.
- 30th pct · 943rd of 1,358 US counties · median $1,506
- 61st pct · 13th of 32 Illinois counties · median $1,198
- counties in the Rockford metro: Rank context is unavailable: the manifest lists 2 counties in the Rockford metro; fewer than 5 is too few to rank.
- 91st pct · 260th of 3,221 US counties · median 8,232
- 94th pct · 7th of 102 Illinois counties · median 7,611
- counties in the Rockford metro: Rank context is unavailable: the manifest lists 2 counties in the Rockford metro; fewer than 5 is too few to rank.
- 78th pct · 681st of 3,221 US counties · median $1,039
- 84th pct · 17th of 102 Illinois counties · median $1,061
- counties in the Rockford metro: Rank context is unavailable: the manifest lists 2 counties in the Rockford metro; fewer than 5 is too few to rank.
- 28th pct · 2,180th of 3,063 US counties · median 4.2
- 72nd pct · 29th of 102 Illinois counties · median 2.8
- counties in the Rockford metro: Rank context is unavailable: the manifest lists 2 counties in the Rockford metro; fewer than 5 is too few to rank.
Typical home value divided by the average annual wage of one covered job.
A percentile here is a min-max scaling of average rank: the smallest published value in the cohort is 0 and the largest is 100, and tied values share the average of the ranks they span. It is not the share of entities below the value, so 0 means smallest, not none below. Entities that did not publish the metric are outside the cohort entirely and are counted in neither the rank nor its denominator.
Home values #
Typical home $211,111 (Sep 2026), +8.9% over one year, +55.4% over five
- 42nd pct · 1,761st of 3,063 US counties · median $230,451
- 80th pct · 21st of 102 Illinois counties · median $158,551
- counties in the Rockford metro: Rank context is unavailable: the manifest lists 2 counties in the Rockford metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Winnebago County, IL | $211,111 · +8.9% 1-yr |
Zillow Home Value Index (ZHVI), typical value of homes in the 35th to 65th percentile, smoothed and seasonally adjusted; a model estimate of value, not a sale price. Data through Zillow Research.
Rents #
Typical rent $1,293/mo (Sep 2026), +7.0% over one year; price-to-rent 13.6
- 30th pct · 943rd of 1,358 US counties · median $1,506
- 61st pct · 13th of 32 Illinois counties · median $1,198
- counties in the Rockford metro: Rank context is unavailable: the manifest lists 2 counties in the Rockford metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Winnebago County, IL | $1,293/mo · +7.0% 1-yr |
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
What the typical home costs to carry #
Principal and interest of $1,169 a month on $211,111 at 7.40%, against an average weekly wage worth $5,317 a month: 22.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $211,111 × 80% = $168,889, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,169/mo principal and interest
- wage share = payment / (avg weekly wage $1,227 × 52 / 12 = $5,317) = 22% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $211,111 / ($1,227 × 52) = 3.3
- price-to-rent = $211,111 / ($1,293 × 12) = 13.6
The wage is one covered job’s average, not a household’s income, so this is the share of a single paycheque and not a mortgage underwriting ratio.
Estimate. Principal and interest on the typical home with 20% down over 30 years at this week's Freddie Mac average rate; compared with the average weekly wage of all jobs covered by unemployment insurance in the area (BLS QCEW), which is pay per job, not household income.
Jobs & wages #
122,117 jobs at 5,810 employers (2026 Q1); -2.3% jobs and +5.0% average weekly wage over the year
- 91st pct · 260th of 3,221 US counties · median 8,232
- 94th pct · 7th of 102 Illinois counties · median 7,611
- counties in the Rockford metro: Rank context is unavailable: the manifest lists 2 counties in the Rockford metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Winnebago County, IL | 122,117 jobs · $1,227/wk · -2.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 23,094 | $1,356 | 1.26 | -3.4% |
| Manufacturing | 21,911 | $1,676 | 2.23 | -1.5% |
| Retail trade | 13,198 | $744 | 1.11 | -4.6% |
| Accommodation and food services | 10,316 | $461 | 0.94 | -1.8% |
| Administrative and waste services | 7,670 | $832 | 1.11 | -6.6% |
| Transportation and warehousing | 7,181 | $942 | 1.40 | -1.4% |
| Wholesale trade | 4,293 | $1,692 | 0.92 | +2.5% |
| Arts, entertainment and recreation | 3,366 | $542 | 1.67 | +15.4% |
| Other services | 3,112 | $846 | 0.85 | -11.8% |
| Professional and technical services | 2,976 | $2,019 | 0.35 | -9.7% |
| Finance and insurance | 2,532 | $2,118 | 0.51 | -4.2% |
| Educational services | 1,613 | $684 | 0.61 | -0.9% |
BLS Quarterly Census of Employment and Wages, all ownerships, total covered employment in the quarter's third month; over-the-year changes as published. Suppressed cells stay blank.
Drought #
No drought class at this point (USDM covers the United States only)
Sites found: 5, searched within 0 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 0 km away are not.
US Drought Monitor current week; the highest class of any polygon containing the point.
Reservoirs #
Surface water layer not loaded
Sites found: 0, searched within 150 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 150 km away are not.
Σ(capacity × percent full) / Σ capacity over TWDB reservoirs within 150 km. Texas only; elsewhere USGS reservoir elevation/storage is listed without a capacity to normalise by.
Stream gauges #
Surface water layer not loaded
Sites found: 0, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
USGS latest readings screened against EPA freshwater criteria (DO ≥ 5 mg/L, pH 6.5–9, conductance, turbidity, temperature); NWS flood categories where a NWPS gauge is co-located.
Groundwater #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
USGS latest daily water levels. A single latest reading says where the table is, not which way it is moving; select a well for its 365-day trace.
Water stress #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$8.2 bn in deposits at 62 offices of 18 banks (SOD June 2026); HHI 1,034, moderately concentrated. $2.5 bn federal obligations in FY2026 (direct payments $1.6 bn, contracts $748.9 m), $20,600 per covered job
| Item | Value | Distance |
|---|---|---|
| UMB Bank, National Association | $1.6 bn · 19.8% share · 4 offices | |
| JPMorgan Chase Bank, National Association | $955.2 m · 11.6% share · 4 offices | |
| Midland States Bank | $953.6 m · 11.6% share · 8 offices | |
| Winnebago, IL | $2.5 bn FY2026 · $20,600/job | |
| MULTIPLE RECIPIENTS | $1.6 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| UMB Bank, National Association | $1,627,153,000 | 19.8% | 4 |
| JPMorgan Chase Bank, National Association | $955,157,000 | 11.6% | 4 |
| Midland States Bank | $953,571,000 | 11.6% | 8 |
| St. Charles Bank & Trust Company, National Association | $773,412,000 | 9.4% | 3 |
| Associated Bank, National Association | $733,779,000 | 8.9% | 5 |
| Foresight Bank | $675,023,000 | 8.2% | 6 |
| BMO Bank National Association | $623,084,000 | 7.6% | 6 |
| First Mid Bank & Trust, National Association | $373,676,000 | 4.6% | 4 |
| U.S. Bank National Association | $326,937,000 | 4.0% | 5 |
| PNC Bank, National Association | $317,959,000 | 3.9% | 4 |
Deposit concentration is 1,034 across 18 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 18 banks with deposits in the county = 19.8² + 11.6² + 11.6² + … (15 more) = 1,034
FDIC Summary of Deposits: deposits at every insured office as of June 30, annual; HHI is the sum of squared county deposit shares (DOJ 1995 bank merger screen: 1000 / 1800). USAspending: obligations by place of performance for the latest complete federal fiscal year (Oct 1 to Sep 30), what agencies committed, not what they paid out; recipients are legal entities. Per-job divides obligations by BLS QCEW covered employment.
Federal obligations #
USAspending place-of-performance obligations for FY2026, by awarding agency.
| Awarding agency | Obligations |
|---|---|
| Social Security Administration | $1,487,609,937 |
| Department of Defense | $724,960,865 |
| Department of Veterans Affairs | $112,842,102 |
| Department of Transportation | $106,247,770 |
| General Services Administration | $21,059,811 |
| Department of Health and Human Services | $18,137,621 |
| Department of Housing and Urban Development | $17,840,737 |
| Department of Education | $12,189,484 |
| Department of Agriculture | $5,596,371 |
| Federal Communications Commission | $4,095,794 |
| Railroad Retirement Board | $2,772,264 |
| Department of Justice | $1,033,857 |
That is $20,600 per covered job, against 122,117 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $2.5 bn / 122,117 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,600
USAspending obligations are recorded where the work is performed, so a prime award performed here is counted here even when the recipient is headquartered elsewhere. Recipients are legal entities, never people.
National context, not this county #
These are United States, single-gauge, single-state and port series. None of them is keyed to this county.
| Series | Latest | As of | Change |
|---|---|---|---|
| Mississippi River at Memphis, stage · ft | not published | not published | |
| Mississippi River at St. Louis, stage · ft | not published | not published | |
| Ohio River at Louisville, stage · ft | 17.95 | 2026-10-18 | -2.6% |
| Missouri River at St. Joseph, stage · ft | not published | not published | |
| Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s | 5,170.00 | 2026-02-05 | -25.3% |
| Texas reservoirs, statewide percent full · % | 72.20 | 2026-10-19 | +0.0% |
| Laredo truck crossings, monthly · trucks | 258,700.00 | 2026-08-01 | -0.4% |
| Los Angeles + Long Beach container volume, annual · TEU | 10,513,167.00 | 2023-01-01 | -13.5% |
| Containerships waiting for a berth, all US ports · ships | 7.00 | 2026-10-13 | +133.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 101.91 | 2026-10-14 | +1.0% |
| 30-year fixed mortgage rate · % | 7.40 | 2026-10-15 | +0.0% |
| Housing starts, annual rate · thousands of units | 1,275.00 | 2026-08-01 | -2.6% |
| Building permits, annual rate · thousands of units | 1,403.00 | 2026-08-01 | -2.1% |
| Case-Shiller US home price index · index, Jan 2000 = 100 | 337.31 | 2026-07-01 | +0.1% |
| Unemployment rate · % | 4.20 | 2026-09-01 | +2.4% |
| US goods and services trade balance, monthly · $ millions | -105,572.00 | 2026-08-01 | -13.7% |
| Retail sales excluding food services, monthly · $ millions | 652,115.00 | 2026-09-01 | +0.7% |
The indicator registry has no county-keyed series and no geographic selection: every entry is national, a named gauge, a single state or a port. They are here as the backdrop the county's own numbers move against, and they are never this county's readings.
What changed #
Winnebago County, IL: 13 findings, 4 at a watch level and 9 noted
watchWinnebago County, IL's covered employment is -2.3% against a year earlier, a watch level here: covered employment below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026 Q1.Show the arithmetic
- test: jobs.yoy.emp = -2.3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchWinnebago County, IL's years of wages of 3.3 scores 29 on the 0-to-100 scale across US counties but 72 across Illinois counties, a gap of 43 points.
Period 2026-09.Show the arithmetic
- 43 = |29 across US counties - 72 across Illinois counties|
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
watchWinnebago County, IL's typical home value of $211,111 scores 43 on the 0-to-100 scale across US counties but 80 across Illinois counties, a gap of 38 points.
Period 2026-09.Show the arithmetic
- 38 = |43 across US counties - 80 across Illinois counties|
position among the entities that published this metric this period; not an official level
watchWinnebago County, IL's typical asking rent of $1,293 scores 31 on the 0-to-100 scale across US counties but 61 across Illinois counties, a gap of 31 points.
Period 2026-09.Show the arithmetic
- 31 = |31 across US counties - 61 across Illinois counties|
position among the entities that published this metric this period; not an official level
noteWinnebago County, IL's average weekly wage was 5.0% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +5 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
Read all 12 findings in the full brief
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.