Racine County, WI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.78, -87.77.
Assembled 2026-10-19. Read the brief.
- 73rd pct · 819th of 3,063 US counties · median $230,451
- 60th pct · 29th of 72 Wisconsin counties · median $298,510
- counties in the Racine-Mount Pleasant metro: Rank context is unavailable: the manifest lists 1 counties in the Racine-Mount Pleasant metro; fewer than 5 is too few to rank.
- 80th pct · 598th of 3,062 US counties · median +2.9%
- 45th pct · 40th of 72 Wisconsin counties · median +6.0%
- counties in the Racine-Mount Pleasant metro: Rank context is unavailable: the manifest lists 1 counties in the Racine-Mount Pleasant metro; fewer than 5 is too few to rank.
- 46th pct · 732nd of 1,358 US counties · median $1,506
- 78th pct · 9th of 38 Wisconsin counties · median $1,275
- counties in the Racine-Mount Pleasant metro: Rank context is unavailable: the manifest lists 1 counties in the Racine-Mount Pleasant metro; fewer than 5 is too few to rank.
- 88th pct · 379th of 3,221 US counties · median 8,232
- 90th pct · 8th of 72 Wisconsin counties · median 15,405
- counties in the Racine-Mount Pleasant metro: Rank context is unavailable: the manifest lists 1 counties in the Racine-Mount Pleasant metro; fewer than 5 is too few to rank.
- 79th pct · 646th of 3,221 US counties · median $1,039
- 84th pct · 12th of 72 Wisconsin counties · median $1,037
- counties in the Racine-Mount Pleasant metro: Rank context is unavailable: the manifest lists 1 counties in the Racine-Mount Pleasant metro; fewer than 5 is too few to rank.
- 64th pct · 1,102nd of 3,063 US counties · median 4.2
- 33rd pct · 48th of 72 Wisconsin counties · median 5.4
- counties in the Racine-Mount Pleasant metro: Rank context is unavailable: the manifest lists 1 counties in the Racine-Mount Pleasant 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 $315,015 (Sep 2026), +5.8% over one year, +32.1% over five
- 73rd pct · 819th of 3,063 US counties · median $230,451
- 60th pct · 29th of 72 Wisconsin counties · median $298,510
- counties in the Racine-Mount Pleasant metro: Rank context is unavailable: the manifest lists 1 counties in the Racine-Mount Pleasant metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Racine County, WI | $315,015 · +5.8% 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 $1,460/mo (Sep 2026), +7.1% over one year; price-to-rent 18.0
- 46th pct · 732nd of 1,358 US counties · median $1,506
- 78th pct · 9th of 38 Wisconsin counties · median $1,275
- counties in the Racine-Mount Pleasant metro: Rank context is unavailable: the manifest lists 1 counties in the Racine-Mount Pleasant metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Racine County, WI | $1,460/mo · +7.1% 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 $1,745 a month on $315,015 at 7.40%, against an average weekly wage worth $5,365 a month: 32.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $315,015 × 80% = $252,012, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,745/mo principal and interest
- wage share = payment / (avg weekly wage $1,238 × 52 / 12 = $5,365) = 33% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $315,015 / ($1,238 × 52) = 4.9
- price-to-rent = $315,015 / ($1,460 × 12) = 18.0
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 #
74,374 jobs at 5,250 employers (2026 Q1); -0.7% jobs and +3.8% average weekly wage over the year
- 88th pct · 379th of 3,221 US counties · median 8,232
- 90th pct · 8th of 72 Wisconsin counties · median 15,405
- counties in the Racine-Mount Pleasant metro: Rank context is unavailable: the manifest lists 1 counties in the Racine-Mount Pleasant metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Racine County, WI | 74,374 jobs · $1,238/wk · -0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 17,191 | $1,606 | 2.87 | +0.1% |
| Health care and social assistance | 10,983 | $1,197 | 0.98 | +0.0% |
| Retail trade | 8,419 | $698 | 1.16 | +1.9% |
| Accommodation and food services | 6,274 | $438 | 0.94 | -2.8% |
| Construction | 3,670 | $1,543 | 0.94 | -4.2% |
| Wholesale trade | 3,615 | $1,544 | 1.27 | +1.1% |
| Administrative and waste services | 3,220 | $868 | 0.76 | +3.5% |
| Finance and insurance | 2,231 | $2,632 | 0.74 | +0.9% |
| Other services | 1,908 | $778 | 0.86 | -2.3% |
| Professional and technical services | 1,697 | $1,467 | 0.33 | -1.1% |
| Arts, entertainment and recreation | 918 | $461 | 0.75 | -3.5% |
| Educational services | 565 | $858 | 0.35 | -2.2% |
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 #
$4.5 bn in deposits at 37 offices of 13 banks (SOD June 2026); HHI 1,740, moderately concentrated. $1.3 bn federal obligations in FY2026 (direct payments $1.2 bn, grants $42.5 m), $17,427 per covered job
| Item | Value | Distance |
|---|---|---|
| Johnson Bank | $1.6 bn · 36.0% share · 6 offices | |
| Community State Bank | $474.0 m · 10.4% share · 4 offices | |
| BMO Bank National Association | $450.8 m · 9.9% share · 6 offices | |
| Racine, WI | $1.3 bn FY2026 · $17,427/job | |
| MULTIPLE RECIPIENTS | $1.2 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Johnson Bank | $1,632,500,000 | 36.0% | 6 |
| Community State Bank | $474,036,000 | 10.4% | 4 |
| BMO Bank National Association | $450,769,000 | 9.9% | 6 |
| Town Bank, National Association | $372,770,000 | 8.2% | 3 |
| Associated Bank, National Association | $283,926,000 | 6.3% | 3 |
| JPMorgan Chase Bank, National Association | $278,083,000 | 6.1% | 2 |
| Tri City National Bank | $257,271,000 | 5.7% | 4 |
| Bank Cmg | $219,677,000 | 4.8% | 1 |
| North Shore Bank | $211,428,000 | 4.7% | 4 |
| U.S. Bank National Association | $134,803,000 | 3.0% | 1 |
Deposit concentration is 1,740 across 13 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 13 banks with deposits in the county = 36.0² + 10.4² + 9.9² + … (10 more) = 1,740
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 | $1,095,918,246 |
| Department of Veterans Affairs | $111,012,283 |
| Department of Transportation | $26,082,961 |
| General Services Administration | $20,784,718 |
| Department of Housing and Urban Development | $8,633,013 |
| Department of Defense | $7,376,253 |
| Department of Homeland Security | $6,307,767 |
| Department of Health and Human Services | $6,091,020 |
| Department of Justice | $5,341,635 |
| Railroad Retirement Board | $3,797,133 |
| Department of Agriculture | $3,093,458 |
| Federal Communications Commission | $925,270 |
That is $17,427 per covered job, against 74,374 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.3 bn / 74,374 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,427
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 #
Racine County, WI: 13 findings, 5 at a watch level and 8 noted
watchRacine County, WI's covered employment is -0.7% 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 = -0.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchRacine County, WI's price-to-rent ratio of 18.0 scores 58 on the 0-to-100 scale across US counties but 11 across Wisconsin counties, a gap of 47 points.
Period 2026-09.Show the arithmetic
- 47 = |58 across US counties - 11 across Wisconsin counties|
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
watchRacine County, WI's typical home value of +5.8% scores 80 on the 0-to-100 scale across US counties but 45 across Wisconsin counties, a gap of 35 points.
Period 2026-09.Show the arithmetic
- 35 = |80 across US counties - 45 across Wisconsin counties|
position among the entities that published this metric this period; not an official level
watchRacine County, WI's typical asking rent of $1,460 scores 46 on the 0-to-100 scale across US counties but 78 across Wisconsin counties, a gap of 32 points.
Period 2026-09.Show the arithmetic
- 32 = |46 across US counties - 78 across Wisconsin counties|
position among the entities that published this metric this period; not an official level
watchRacine County, WI's years of wages of 4.9 scores 64 on the 0-to-100 scale across US counties but 34 across Wisconsin counties, a gap of 30 points.
Period 2026-09.Show the arithmetic
- 30 = |64 across US counties - 34 across Wisconsin 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
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.