Winnebago County, IA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.38, -93.74.
Assembled 2026-10-06. Read the brief.
- 19th pct · 2,476th of 3,063 US counties · median $234,566
- 16th pct · 83rd of 99 Iowa counties · median $194,976
- 83rd pct · 514th of 3,063 US counties · median +2.9%
- 76th pct · 24th of 99 Iowa counties · median +4.6%
- US counties: not published this period
- Iowa counties: not published this period
- 30th pct · 2,245th of 3,221 US counties · median 8,232
- 31st pct · 68th of 99 Iowa counties · median 5,685
- 32nd pct · 2,158th of 3,221 US counties · median $1,039
- 11th pct · 87th of 99 Iowa counties · median $1,057
- 24th pct · 2,326th of 3,063 US counties · median 4.3
- 32nd pct · 67th of 99 Iowa counties · median 3.5
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 $159,076 (Aug 2026), +6.5% over one year, +16.6% over five
- 19th pct · 2,476th of 3,063 US counties · median $234,566
- 16th pct · 83rd of 99 Iowa counties · median $194,976
| Item | Value | Distance |
|---|---|---|
| Winnebago County, IA | $159,076 · +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
- Iowa counties: not published this period
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 $871 a month on $159,076 at 7.28%, against an average weekly wage worth $4,177 a month: 20.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $159,076 × 80% = $127,261, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $871/mo principal and interest
- wage share = payment / (avg weekly wage $964 × 52 / 12 = $4,177) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $159,076 / ($964 × 52) = 3.2
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 #
3,812 jobs at 380 employers (2026 Q1); +1.2% jobs and +6.4% average weekly wage over the year
- 30th pct · 2,245th of 3,221 US counties · median 8,232
- 31st pct · 68th of 99 Iowa counties · median 5,685
| Item | Value | Distance |
|---|---|---|
| Winnebago County, IA | 3,812 jobs · $964/wk · +1.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 511 | $856 | 1.38 | +3.2% |
| Agriculture, forestry, fishing | 304 | $1,429 | 11.04 | +8.6% |
| Manufacturing | 271 | $1,169 | 0.88 | -8.8% |
| Wholesale trade | 238 | $1,227 | 1.63 | +11.7% |
| Finance and insurance | 180 | $1,621 | 1.16 | +2.3% |
| Construction | 173 | $1,071 | 0.87 | -1.7% |
| Accommodation and food services | 170 | $270 | 0.50 | -11.9% |
| Professional and technical services | 127 | $1,293 | 0.48 | -8.6% |
| Information | 70 | $1,399 | 1.00 | -10.3% |
| Arts, entertainment and recreation | 70 | $250 | 1.12 | +55.6% |
| Other services | 69 | $921 | 0.61 | +4.5% |
| Administrative and waste services | 53 | $1,394 | 0.24 | +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 #
D0 abnormally dry
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 #
$644.6 m in deposits at 7 offices of 4 banks (SOD June 2026); HHI 3,208, highly concentrated. $85.5 m federal obligations in FY2026 (direct payments $81.4 m, grants $3.9 m), $22,423 per covered job
| Item | Value | Distance |
|---|---|---|
| Manufacturers Bank & Trust Company | $282.4 m · 43.8% share · 2 offices | |
| Farmers Trust and Savings Bank | $198.4 m · 30.8% share · 2 offices | |
| NSB Bank | $101.4 m · 15.7% share · 2 offices | |
| Winnebago, IA | $85.5 m FY2026 · $22,423/job | |
| MULTIPLE RECIPIENTS | $65.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Manufacturers Bank & Trust Company | $282,358,000 | 43.8% | 2 |
| Farmers Trust and Savings Bank | $198,427,000 | 30.8% | 2 |
| NSB Bank | $101,436,000 | 15.7% | 2 |
| Fidelity Bank & Trust | $62,345,000 | 9.7% | 1 |
Deposit concentration is 3,208 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 43.8² + 30.8² + 15.7² + … (1 more) = 3,208
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 | $59,335,825 |
| Department of Agriculture | $15,715,316 |
| Department of Veterans Affairs | $5,649,918 |
| Department of Education | $4,575,436 |
| Railroad Retirement Board | $103,869 |
| Department of Housing and Urban Development | $93,571 |
| Federal Communications Commission | $25,435 |
| Department of Health and Human Services | -$6,001 |
| Department of Transportation | -$15,922 |
That is $22,423 per covered job, against 3,812 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $85.5 m / 3,812 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,423
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 #
Winnebago County, IA: 5 findings, 5 noted
noteWinnebago County, IA's average weekly wage was 6.4% 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
- +6.4 % = 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
noteWinnebago County, IA's covered employment was 1.2% 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
- +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
noteWinnebago County, IA's momentum index of 0.66 ranks 245th of 3,221 US counties, against a median of 0.23.
Period 2026-08.Show the arithmetic
- 92 on the 0-to-100 scale across 3221 US counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
noteWinnebago County, IA's momentum index of 0.66 ranks 10th of 99 Iowa counties, against a median of 0.24.
Period 2026-08.Show the arithmetic
- 91 on the 0-to-100 scale across 99 Iowa counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
noteThe next Zillow ZHVI typical home value (monthly) covering Winnebago County, IA is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.