Ogle County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.04, -89.32.
Assembled 2026-10-06. Read the brief.
- 48th pct · 1,576th of 3,063 US counties · median $234,566
- 84th pct · 17th of 102 Illinois counties · median $158,585
- 92nd pct · 240th of 3,063 US counties · median +2.9%
- 84th pct · 17th of 102 Illinois counties · median +5.2%
- 12th pct · 1,230th of 1,399 US counties · median $1,496
- 33rd pct · 23rd of 34 Illinois counties · median $1,181
- 63rd pct · 1,174th of 3,221 US counties · median 8,232
- 69th pct · 32nd of 102 Illinois counties · median 7,611
- 86th pct · 439th of 3,221 US counties · median $1,039
- 89th pct · 12th of 102 Illinois counties · median $1,061
- 28th pct · 2,192nd of 3,063 US counties · median 4.3
- 71st pct · 30th of 102 Illinois counties · median 2.8
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 $230,289 (Aug 2026), +8.4% over one year, +32.8% over five
- 48th pct · 1,576th of 3,063 US counties · median $234,566
- 84th pct · 17th of 102 Illinois counties · median $158,585
| Item | Value | Distance |
|---|---|---|
| Ogle County, IL | $230,289 · +8.4% 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 $1,063/mo (Aug 2026), n/a over one year; price-to-rent 18.1
- 12th pct · 1,230th of 1,399 US counties · median $1,496
- 33rd pct · 23rd of 34 Illinois counties · median $1,181
| Item | Value | Distance |
|---|---|---|
| Ogle County, IL | $1,063/mo · n/a 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 $1,261 a month on $230,289 at 7.28%, against an average weekly wage worth $5,729 a month: 22.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $230,289 × 80% = $184,232, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,261/mo principal and interest
- wage share = payment / (avg weekly wage $1,322 × 52 / 12 = $5,729) = 22% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $230,289 / ($1,322 × 52) = 3.3
- price-to-rent = $230,289 / ($1,063 × 12) = 18.1
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 #
14,312 jobs at 1,047 employers (2026 Q1); -1.0% jobs and +1.6% average weekly wage over the year
- 63rd pct · 1,174th of 3,221 US counties · median 8,232
- 69th pct · 32nd of 102 Illinois counties · median 7,611
| Item | Value | Distance |
|---|---|---|
| Ogle County, IL | 14,312 jobs · $1,322/wk · -1.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,387 | $1,219 | 2.07 | -4.4% |
| Retail trade | 1,427 | $707 | 1.02 | -1.3% |
| Health care and social assistance | 1,224 | $956 | 0.57 | +0.0% |
| Accommodation and food services | 1,117 | $367 | 0.87 | -0.7% |
| Construction | 1,088 | $2,116 | 1.45 | +38.6% |
| Transportation and warehousing | 770 | $1,235 | 1.28 | -25.1% |
| Administrative and waste services | 517 | $1,455 | 0.64 | +18.3% |
| Finance and insurance | 435 | $1,420 | 0.75 | -4.6% |
| Other services | 434 | $659 | 1.01 | -5.4% |
| Information | 80 | $1,045 | 0.30 | -13.0% |
| Arts, entertainment and recreation | 80 | $391 | 0.34 | -4.8% |
| Real estate and rental | 76 | $902 | 0.35 | +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 #
34 gauges · 0 flooding · 5 with quality panels averaging 88 % · 13 stale
Sites found: 34, 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-05440700 | flow 10,500 ft³/s · quality 100 % (1) | 10 km |
| USGS-05442300 | flow 10,700 ft³/s | 26 km |
| USGS-05437645 | stage 2.62 ft | 31 km |
| USGS-05437695 | flow 4.10 ft³/s · STALE | 31 km |
| USGS-05440000 | flow 1,840 ft³/s | 31 km |
| USGS-05437641 | stage 3.06 ft | 35 km |
| USGS-05444000 | flow 176.0 ft³/s | 35 km |
| USGS-05439500 | flow 765.0 ft³/s | 35 km |
| USGS-05435500 | flow 1,590 ft³/s | 38 km |
| USGS-05443000 | stage 6.59 ft | 41 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 #
20 wells in 0 named aquifers:
Sites found: 20, 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-413743089310102 | depth 25.5 ft · 2022-02-08 | 49 km |
| USGS-413743089310101 | depth 0.63 ft · 2026-10-05 | 49 km |
| USGS-421533088421801 | depth 4.74 ft · 2026-10-05 | 56 km |
| USGS-421056088380801 | depth 8.30 ft · 2026-10-04 | 59 km |
| USGS-421653088370901 | depth 18.9 ft · 2026-10-05 | 64 km |
| USGS-421653088370902 | depth 27.8 ft · 2026-10-05 | 64 km |
| USGS-421653088370903 | depth 16.1 ft · 2016-04-12 | 64 km |
| USGS-421321088341101 | depth 74.0 ft · 2026-10-05 | 65 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 + 0.2×0.12 / 0.55
Banks & federal dollars #
$1.4 bn in deposits at 19 offices of 11 banks (SOD June 2026); HHI 1,487, moderately concentrated. $367.4 m federal obligations in FY2026 (direct payments $337.2 m, grants $30.1 m), $25,672 per covered job
| Item | Value | Distance |
|---|---|---|
| Stillman BancCorp N.A. | $301.6 m · 21.1% share · 4 offices | |
| Central Bank Illinois | $298.8 m · 20.9% share · 2 offices | |
| Byron Bank | $244.3 m · 17.1% share · 2 offices | |
| Ogle, IL | $367.4 m FY2026 · $25,672/job | |
| MULTIPLE RECIPIENTS | $304.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Stillman BancCorp N.A. | $301,551,000 | 21.1% | 4 |
| Central Bank Illinois | $298,751,000 | 20.9% | 2 |
| Byron Bank | $244,324,000 | 17.1% | 2 |
| Holcomb Bank | $190,943,000 | 13.4% | 3 |
| Solutions Bank | $99,838,000 | 7.0% | 1 |
| First State Bank Shannon-Polo | $73,467,000 | 5.1% | 1 |
| First State Bank | $68,323,000 | 4.8% | 1 |
| The Harvard State Bank | $63,357,000 | 4.4% | 1 |
| Union Savings Bank | $36,216,000 | 2.5% | 1 |
| Sterling Federal Bank, F.S.B. | $27,121,000 | 1.9% | 2 |
Deposit concentration is 1,487 across 11 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 21.1² + 20.9² + 17.1² + … (8 more) = 1,487
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 | $278,210,718 |
| Department of Housing and Urban Development | $37,802,180 |
| Department of Veterans Affairs | $24,090,006 |
| Department of Transportation | $16,342,454 |
| Department of Agriculture | $8,437,150 |
| Railroad Retirement Board | $1,931,676 |
| Federal Communications Commission | $535,340 |
| Department of Education | $67,828 |
| Small Business Administration | -$6,666 |
That is $25,672 per covered job, against 14,312 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $367.4 m / 14,312 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $25,672
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 #
Ogle County, IL: 12 findings, 5 at a watch level and 7 noted
watchOgle County, IL's covered employment is -1.0% 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 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchOgle County, IL's typical asking rent rose 3.7% from $1,025 in July 2026 to $1,063 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +3.7% = (1062.5 - 1024.7935668523278) / 1024.7935668523278 × 100
- 1062.5 = Zillow ZORI, 2026-08
- 1024.7935668523278 = Zillow ZORI, 2026-07
watchOgle County, IL's years of wages of 3.3 scores 28 on the 0-to-100 scale across US counties but 71 across Illinois counties, a gap of 43 points.
Period 2026-08.Show the arithmetic
- 43 = |28 across US counties - 71 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
watchOgle County, IL's typical home value of $230,289 scores 49 on the 0-to-100 scale across US counties but 84 across Illinois counties, a gap of 36 points.
Period 2026-08.Show the arithmetic
- 36 = |49 across US counties - 84 across Illinois counties|
position among the entities that published this metric this period; not an official level
watchOgle County, IL's price-to-rent ratio of 18.1 scores 59 on the 0-to-100 scale across US counties but 94 across Illinois counties, a gap of 35 points.
Period 2026-08.Show the arithmetic
- 35 = |59 across US counties - 94 across Illinois 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
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.