Boone County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.32, -88.82.
Assembled 2026-10-06. Read the brief.
- 66th pct · 1,028th of 3,063 US counties · median $234,566
- 90th pct · 11th of 102 Illinois counties · median $158,585
- 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.
- 83rd pct · 502nd of 3,063 US counties · median +2.9%
- 67th pct · 34th of 102 Illinois counties · median +5.2%
- 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.
- US counties: not published this period
- Illinois counties: not published this period
- 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.
- 56th pct · 1,392nd of 3,221 US counties · median 8,232
- 60th pct · 41st 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.
- 55th pct · 1,429th of 3,221 US counties · median $1,039
- 51st pct · 50th 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.
- 67th pct · 995th of 3,063 US counties · median 4.3
- 94th pct · 7th 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 $287,800 (Aug 2026), +6.5% over one year, +40.8% over five
- 66th pct · 1,028th of 3,063 US counties · median $234,566
- 90th pct · 11th of 102 Illinois counties · median $158,585
- 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 |
|---|---|---|
| Boone County, IL | $287,800 · +6.5% 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 #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- Illinois counties: not published this period
- 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.
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 $1,575 a month on $287,800 at 7.28%, against an average weekly wage worth $4,611 a month: 34.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $287,800 × 80% = $230,240, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,575/mo principal and interest
- wage share = payment / (avg weekly wage $1,064 × 52 / 12 = $4,611) = 34% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $287,800 / ($1,064 × 52) = 5.2
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 #
10,949 jobs at 891 employers (2026 Q1); -1.2% jobs and -0.7% average weekly wage over the year
- 56th pct · 1,392nd of 3,221 US counties · median 8,232
- 60th pct · 41st 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 |
|---|---|---|
| Boone County, IL | 10,949 jobs · $1,064/wk · -1.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,765 | $1,396 | 2.00 | -5.1% |
| Retail trade | 1,141 | $790 | 1.07 | -4.6% |
| Transportation and warehousing | 953 | $1,121 | 2.07 | -0.7% |
| Accommodation and food services | 720 | $445 | 0.73 | +3.4% |
| Administrative and waste services | 704 | $558 | 1.13 | -6.5% |
| Health care and social assistance | 584 | $932 | 0.35 | +7.6% |
| Other services | 426 | $738 | 1.30 | +7.0% |
| Finance and insurance | 109 | $1,352 | 0.24 | -0.9% |
| Arts, entertainment and recreation | 76 | $562 | 0.42 | -49.7% |
| Real estate and rental | 58 | $1,039 | 0.35 | +13.7% |
| Educational services | 24 | $298 | 0.10 | -50.0% |
| Agriculture, forestry, fishing | withheld |
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 #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
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 #
110 gauges · 0 flooding · 12 with quality panels averaging 70 % · 46 stale
Sites found: 110, 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.
| Site | Reading | Distance |
|---|---|---|
| USGS-422848088191001 | cond. 2,270 uS/cm · quality 0 % (1) · STALE | 45 km |
| USGS-421633088125801 | temp 12.2 °C · quality 50 % (2) · STALE | 50 km |
| USGS-422308088195601 | cond. 2,320 uS/cm · quality 0 % (1) · STALE | 41 km |
| USGS-05438500 | flow 736.0 ft³/s · no flooding | 8 km |
| USGS-421533088421801 | temp 8.00 °C · quality 75 % (2) · STALE | 12 km |
| USGS-05438170 | flow 188.0 ft³/s · no flooding | 19 km |
| USGS-05437610 | stage 6.09 ft · no flooding | 20 km |
| USGS-05440000 | flow 1,840 ft³/s · no flooding | 20 km |
| USGS-05437641 | stage 3.06 ft · no flooding | 20 km |
| USGS-421056088380801 | temp 11.6 °C · quality 75 % (2) · STALE | 22 km |
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 #
56 wells in 0 named aquifers:
Sites found: 56, 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.
| Site | Reading | Distance |
|---|---|---|
| USGS-421533088421801 | depth 4.74 ft · 2026-10-05 | 12 km |
| USGS-421653088370901 | depth 18.9 ft · 2026-10-05 | 17 km |
| USGS-421653088370902 | depth 27.8 ft · 2026-10-05 | 17 km |
| USGS-421653088370903 | depth 16.1 ft · 2016-04-12 | 17 km |
| USGS-422358088360201 | depth 31.6 ft · 2026-10-05 | 20 km |
| USGS-422704088385302 | depth 5.67 ft · 2017-04-09 | 21 km |
| USGS-422704088385301 | depth 6.17 ft · 2026-10-05 | 21 km |
| USGS-421056088380801 | depth 8.30 ft · 2026-10-04 | 22 km |
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 (0.11)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.30 / 0.55
Banks & federal dollars #
$835.0 m in deposits at 9 offices of 8 banks (SOD June 2026); HHI 1,718, moderately concentrated. $330.4 m federal obligations in FY2026 (direct payments $301.7 m, contracts $26.7 m), $30,175 per covered job
| Item | Value | Distance |
|---|---|---|
| Midland States Bank | $238.6 m · 28.6% share · 2 offices | |
| First Mid Bank & Trust, National Association | $167.7 m · 20.1% share · 1 office | |
| First National Bank of Omaha | $108.5 m · 13.0% share · 1 office | |
| Boone, IL | $330.4 m FY2026 · $30,175/job | |
| MULTIPLE RECIPIENTS | $286.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Midland States Bank | $238,596,000 | 28.6% | 2 |
| First Mid Bank & Trust, National Association | $167,651,000 | 20.1% | 1 |
| First National Bank of Omaha | $108,509,000 | 13.0% | 1 |
| Byron Bank | $93,799,000 | 11.2% | 1 |
| PNC Bank, National Association | $75,013,000 | 9.0% | 1 |
| Solutions Bank | $70,519,000 | 8.4% | 1 |
| BMO Bank National Association | $53,102,000 | 6.4% | 1 |
| Union Savings Bank | $27,766,000 | 3.3% | 1 |
Deposit concentration is 1,718 across 8 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 28.6² + 20.1² + 13.0² + … (5 more) = 1,718
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 | $264,212,191 |
| Department of Defense | $26,294,088 |
| Department of Veterans Affairs | $20,663,740 |
| Department of Agriculture | $8,953,441 |
| Department of Housing and Urban Development | $4,981,450 |
| Department of Transportation | $1,716,752 |
| Railroad Retirement Board | $1,584,667 |
| Federal Communications Commission | $1,541,426 |
| Department of Homeland Security | $324,000 |
| Environmental Protection Agency | $102,965 |
| Small Business Administration | $15,656 |
That is $30,175 per covered job, against 10,949 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $330.4 m / 10,949 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $30,175
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 | 12.28 | 2026-10-04 | -0.1% |
| 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 · % | 72.60 | 2026-10-05 | +0.1% |
| 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 | 6.00 | 2026-09-22 | -14.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 6,830.00 | 2026-08-01 | +7.4% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 96.16 | 2026-09-29 | -3.2% |
| 30-year fixed mortgage rate · % | 7.28 | 2026-10-01 | +3.6% |
| 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 | -88,576.00 | 2026-07-01 | -24.4% |
| Retail sales excluding food services, monthly · $ millions | 646,347.00 | 2026-08-01 | +1.1% |
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 #
Boone County, IL: 8 findings, 2 at a watch level and 6 noted
watchBoone County, IL's covered employment is -1.2% 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 = -1.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchBoone County, IL's average weekly wage is -0.7% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, 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.avgWeeklyWage = -0.7 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteBoone County, IL's covered employment was 1.2% lower 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
- -1.2 % = 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
noteBoone County, IL's average weekly wage was 0.7% lower 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
- -0.7 % = 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
noteBoone County, IL's typical home value rose 0.3% from $286,890 in July 2026 to $287,800 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (287799.64702212584 - 286890.1457345607) / 286890.1457345607 × 100
- 287799.64702212584 = Zillow ZHVI, 2026-08
- 286890.1457345607 = Zillow ZHVI, 2026-07
Read all 8 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.