Kendall County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.59, -88.43.
Assembled 2026-10-06. Read the brief.
- 85th pct · 443rd of 3,063 US counties · median $234,566
- 98th pct · 3rd of 102 Illinois counties · median $158,585
- 83rd pct · 3rd of 13 counties in the Chicago-Naperville-Elgin metro · median $341,570
- 50th pct · 1,513th of 3,063 US counties · median +2.9%
- 26th pct · 75th of 102 Illinois counties · median +5.2%
- 25th pct · 10th of 13 counties in the Chicago-Naperville-Elgin metro · median +3.8%
- 92nd pct · 101st of 1,399 US counties · median $1,496
- 100th pct · 1st of 34 Illinois counties · median $1,181
- 100th pct · 1st of 11 counties in the Chicago-Naperville-Elgin metro · median $2,122
- 77th pct · 711th of 3,221 US counties · median 8,232
- 80th pct · 21st of 102 Illinois counties · median 7,611
- 25th pct · 10th of 13 counties in the Chicago-Naperville-Elgin metro · median 94,945
- 55th pct · 1,442nd of 3,221 US counties · median $1,039
- 50th pct · 51st of 102 Illinois counties · median $1,061
- 16th pct · 11th of 13 counties in the Chicago-Naperville-Elgin metro · median $1,235
- 89th pct · 321st of 3,063 US counties · median 4.3
- 100th pct · 1st of 102 Illinois counties · median 2.8
- 100th pct · 1st of 13 counties in the Chicago-Naperville-Elgin metro · median 5.0
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 $396,573 (Aug 2026), +3.0% over one year, +39.7% over five
- 85th pct · 443rd of 3,063 US counties · median $234,566
- 98th pct · 3rd of 102 Illinois counties · median $158,585
- 83rd pct · 3rd of 13 counties in the Chicago-Naperville-Elgin metro · median $341,570
| Item | Value | Distance |
|---|---|---|
| Kendall County, IL | $396,573 · +3.0% 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 $2,384/mo (Aug 2026), +3.8% over one year; price-to-rent 13.9
- 92nd pct · 101st of 1,399 US counties · median $1,496
- 100th pct · 1st of 34 Illinois counties · median $1,181
- 100th pct · 1st of 11 counties in the Chicago-Naperville-Elgin metro · median $2,122
| Item | Value | Distance |
|---|---|---|
| Kendall County, IL | $2,384/mo · +3.8% 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 $2,171 a month on $396,573 at 7.28%, against an average weekly wage worth $4,602 a month: 47.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $396,573 × 80% = $317,258, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,171/mo principal and interest
- wage share = payment / (avg weekly wage $1,062 × 52 / 12 = $4,602) = 47% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $396,573 / ($1,062 × 52) = 7.2
- price-to-rent = $396,573 / ($2,384 × 12) = 13.9
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 #
31,005 jobs at 2,564 employers (2026 Q1); +3.4% jobs and -0.3% average weekly wage over the year
- 77th pct · 711th of 3,221 US counties · median 8,232
- 80th pct · 21st of 102 Illinois counties · median 7,611
- 25th pct · 10th of 13 counties in the Chicago-Naperville-Elgin metro · median 94,945
| Item | Value | Distance |
|---|---|---|
| Kendall County, IL | 31,005 jobs · $1,062/wk · +3.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 5,336 | $703 | 1.77 | -0.1% |
| Accommodation and food services | 3,925 | $453 | 1.41 | +3.5% |
| Manufacturing | 2,705 | $1,971 | 1.08 | -6.7% |
| Transportation and warehousing | 2,448 | $1,355 | 1.87 | +5.4% |
| Health care and social assistance | 2,014 | $920 | 0.43 | +4.9% |
| Other services | 1,421 | $643 | 1.53 | +5.5% |
| Professional and technical services | 940 | $1,259 | 0.44 | +5.5% |
| Administrative and waste services | 863 | $819 | 0.49 | +3.1% |
| Finance and insurance | 667 | $1,770 | 0.53 | +11.0% |
| Educational services | 409 | $483 | 0.61 | +0.5% |
| Arts, entertainment and recreation | 301 | $482 | 0.59 | -17.1% |
| Real estate and rental | 292 | $1,213 | 0.61 | +0.0% |
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 #
116 gauges · 0 flooding · 28 with quality panels averaging 90 % · 33 stale
Sites found: 116, 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-414042088003201 | DO 0.00 mg/l · quality 33 % (3) · STALE | 36 km |
| USGS-414037088003201 | DO 0.10 mg/l · quality 33 % (3) · STALE | 36 km |
| USGS-414040088004201 | turb. 7.50 FNU · quality 67 % (3) · STALE | 36 km |
| USGS-05551580 | flow 3,330 ft³/s · quality 50 % (1) | 6 km |
| USGS-05551581 | stage 8.83 ft | 6 km |
| USGS-05551582 | stage 10.2 ft | 6 km |
| USGS-05551700 | flow 159.0 ft³/s | 9 km |
| USGS-05551545 | flow 50.7 ft³/s | 15 km |
| USGS-05551675 | flow 112.0 ft³/s | 17 km |
| USGS-05551540 | flow 3,110 ft³/s | 18 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 #
36 wells in 0 named aquifers:
Sites found: 36, 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-413520088043902 | depth 30.6 ft · 2013-09-16 | 29 km |
| USGS-413520088043901 | depth 27.0 ft · 2014-08-16 | 29 km |
| USGS-413516088043401 | depth 2.33 ft · 2012-03-26 | 29 km |
| USGS-413516088043402 | depth 2.15 ft · 2014-02-25 | 29 km |
| USGS-412053088101801 | depth 1.42 ft · 2016-12-03 | 34 km |
| USGS-414040088004201 | depth 9.48 ft · 2011-11-13 | 36 km |
| USGS-414037088003201 | depth 11.9 ft · 2011-11-13 | 36 km |
| USGS-414042088003201 | depth 0.75 ft · 2011-05-05 | 36 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 (0.04)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.10 / 0.55
Banks & federal dollars #
$2.8 bn in deposits at 26 offices of 13 banks (SOD June 2026); HHI 1,294, moderately concentrated. $603.4 m federal obligations in FY2026 (direct payments $556.4 m, contracts $34.2 m), $19,461 per covered job
| Item | Value | Distance |
|---|---|---|
| Servbank, National Association | $520.7 m · 18.5% share · 1 office | |
| First National Bank of Omaha | $471.4 m · 16.8% share · 4 offices | |
| JPMorgan Chase Bank, National Association | $471.4 m · 16.8% share · 2 offices | |
| Kendall, IL | $603.4 m FY2026 · $19,461/job | |
| MULTIPLE RECIPIENTS | $548.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Servbank, National Association | $520,684,000 | 18.5% | 1 |
| First National Bank of Omaha | $471,378,000 | 16.8% | 4 |
| JPMorgan Chase Bank, National Association | $471,356,000 | 16.8% | 2 |
| Old Second National Bank | $400,834,000 | 14.2% | 4 |
| Byline Bank | $205,025,000 | 7.3% | 2 |
| BMO Bank National Association | $184,718,000 | 6.6% | 2 |
| Fifth Third Bank, National Association | $184,647,000 | 6.6% | 2 |
| Midland States Bank | $133,887,000 | 4.8% | 2 |
| Heartland Bank and Trust Company | $116,510,000 | 4.1% | 3 |
| Old National Bank | $69,441,000 | 2.5% | 1 |
Deposit concentration is 1,294 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 = 18.5² + 16.8² + 16.8² + … (10 more) = 1,294
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 | $490,443,470 |
| Department of Veterans Affairs | $53,198,133 |
| Department of Defense | $18,404,690 |
| General Services Administration | $14,114,531 |
| Department of Transportation | $12,707,652 |
| Railroad Retirement Board | $5,095,516 |
| Federal Communications Commission | $2,547,651 |
| Department of Education | $2,476,107 |
| Department of Agriculture | $1,932,534 |
| Department of Housing and Urban Development | $663,723 |
| Department of Homeland Security | $658,361 |
| Department of Health and Human Services | $555,300 |
That is $19,461 per covered job, against 31,005 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $603.4 m / 31,005 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,461
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 | 12.69 | 2026-10-05 | +3.3% |
| 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 | 2026-10-06 | +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 | 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 #
Kendall County, IL: 15 findings, 1 at a watch level and 14 noted
watchKendall County, IL's average weekly wage is -0.3% 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 = -0.3 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteKendall County, IL's covered employment was 3.4% 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
- +3.4 % = 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
noteKendall County, IL's typical asking rent rose 0.5% from $2,373 in July 2026 to $2,384 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.5% = (2383.979744816587 - 2373.1697017256774) / 2373.1697017256774 × 100
- 2383.979744816587 = Zillow ZORI, 2026-08
- 2373.1697017256774 = Zillow ZORI, 2026-07
noteKendall County, IL's typical home value rose 0.3% from $395,266 in July 2026 to $396,573 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (396573.0186216769 - 395265.6064018179) / 395265.6064018179 × 100
- 396573.0186216769 = Zillow ZHVI, 2026-08
- 395265.6064018179 = Zillow ZHVI, 2026-07
noteKendall County, IL's average weekly wage was 0.3% 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
- -0.3 % = 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.