Kane County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.94, -88.43.
Assembled 2026-10-19. Read the brief.
- 84th pct · 482nd of 3,063 US counties · median $230,451
- 97th pct · 4th of 102 Illinois counties · median $158,551
- 75th pct · 4th of 13 counties in the Chicago-Naperville-Elgin metro · median $340,258
- 73rd pct · 805th of 3,062 US counties · median +2.9%
- 48th pct · 53rd of 102 Illinois counties · median +5.0%
- 75th pct · 4th of 13 counties in the Chicago-Naperville-Elgin metro · median +3.6%
- 87th pct · 173rd of 1,358 US counties · median $1,506
- 87th pct · 5th of 32 Illinois counties · median $1,198
- 60th pct · 5th of 11 counties in the Chicago-Naperville-Elgin metro · median $2,105
- 95th pct · 155th of 3,221 US counties · median 8,232
- 96th pct · 5th of 102 Illinois counties · median 7,611
- 66th pct · 5th of 13 counties in the Chicago-Naperville-Elgin metro · median 94,945
- 82nd pct · 553rd of 3,221 US counties · median $1,039
- 86th pct · 15th of 102 Illinois counties · median $1,061
- 66th pct · 5th of 13 counties in the Chicago-Naperville-Elgin metro · median $1,235
- 77th pct · 695th of 3,063 US counties · median 4.2
- 96th pct · 5th of 102 Illinois counties · median 2.8
- 75th pct · 4th of 13 counties in the Chicago-Naperville-Elgin metro · median 4.9
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 $383,834 (Sep 2026), +5.0% over one year, +35.0% over five
- 84th pct · 482nd of 3,063 US counties · median $230,451
- 97th pct · 4th of 102 Illinois counties · median $158,551
- 75th pct · 4th of 13 counties in the Chicago-Naperville-Elgin metro · median $340,258
| Item | Value | Distance |
|---|---|---|
| Kane County, IL | $383,834 · +5.0% 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 $2,108/mo (Sep 2026), +3.0% over one year; price-to-rent 15.2
- 87th pct · 173rd of 1,358 US counties · median $1,506
- 87th pct · 5th of 32 Illinois counties · median $1,198
- 60th pct · 5th of 11 counties in the Chicago-Naperville-Elgin metro · median $2,105
| Item | Value | Distance |
|---|---|---|
| Kane County, IL | $2,108/mo · +3.0% 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 $2,126 a month on $383,834 at 7.40%, against an average weekly wage worth $5,521 a month: 38.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $383,834 × 80% = $307,067, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,126/mo principal and interest
- wage share = payment / (avg weekly wage $1,274 × 52 / 12 = $5,521) = 39% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $383,834 / ($1,274 × 52) = 5.8
- price-to-rent = $383,834 / ($2,108 × 12) = 15.2
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 #
207,898 jobs at 13,223 employers (2026 Q1); -1.5% jobs and +3.2% average weekly wage over the year
- 95th pct · 155th of 3,221 US counties · median 8,232
- 96th pct · 5th of 102 Illinois counties · median 7,611
- 66th pct · 5th of 13 counties in the Chicago-Naperville-Elgin metro · median 94,945
| Item | Value | Distance |
|---|---|---|
| Kane County, IL | 207,898 jobs · $1,274/wk · -1.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 32,560 | $1,503 | 1.95 | +0.2% |
| Health care and social assistance | 24,452 | $1,158 | 0.78 | -0.4% |
| Retail trade | 19,869 | $767 | 0.98 | -2.1% |
| Accommodation and food services | 16,550 | $516 | 0.89 | -3.3% |
| Administrative and waste services | 14,901 | $819 | 1.26 | -6.3% |
| Wholesale trade | 12,591 | $1,818 | 1.58 | -8.0% |
| Construction | 11,307 | $1,614 | 1.04 | -1.5% |
| Professional and technical services | 8,765 | $1,994 | 0.61 | -5.3% |
| Other services | 7,351 | $957 | 1.18 | +5.5% |
| Finance and insurance | 6,543 | $2,067 | 0.77 | -3.4% |
| Transportation and warehousing | 5,787 | $1,037 | 0.66 | -3.3% |
| Educational services | 4,583 | $826 | 1.02 | +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 #
$15.5 bn in deposits at 113 offices of 30 banks (SOD June 2026); HHI 1,130, moderately concentrated. $3.4 bn federal obligations in FY2026 (direct payments $2.5 bn, contracts $797.7 m), $16,156 per covered job
| Item | Value | Distance |
|---|---|---|
| JPMorgan Chase Bank, National Association | $3.5 bn · 22.8% share · 11 offices | |
| St. Charles Bank & Trust Company, National Association | $2.4 bn · 15.3% share · 7 offices | |
| Old Second National Bank | $1.9 bn · 12.4% share · 14 offices | |
| Kane, IL | $3.4 bn FY2026 · $16,156/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | $3,532,429,000 | 22.8% | 11 |
| St. Charles Bank & Trust Company, National Association | $2,361,650,000 | 15.3% | 7 |
| Old Second National Bank | $1,922,494,000 | 12.4% | 14 |
| BMO Bank National Association | $1,396,250,000 | 9.0% | 15 |
| Fifth Third Bank, National Association | $1,181,351,000 | 7.6% | 10 |
| PNC Bank, National Association | $641,228,000 | 4.1% | 8 |
| First American Bank | $588,991,000 | 3.8% | 6 |
| Bank of America, National Association | $576,174,000 | 3.7% | 4 |
| U.S. Bank National Association | $432,679,000 | 2.8% | 4 |
| Associated Bank, National Association | $401,249,000 | 2.6% | 5 |
Deposit concentration is 1,130 across 30 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 30 banks with deposits in the county = 22.8² + 15.3² + 12.4² + … (27 more) = 1,130
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 #
That is $16,156 per covered job, against 207,898 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $3.4 bn / 207,898 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,156
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 #
Kane County, IL: 14 findings, 2 at a watch level and 12 noted
watchKane County, IL's covered employment is -1.5% 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 = -1.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchKane County, IL's price-to-rent ratio of 15.2 scores 31 on the 0-to-100 scale across US counties but 68 across Illinois counties, a gap of 37 points.
Period 2026-09.Show the arithmetic
- 37 = |31 across US counties - 68 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
noteKane County, IL's average weekly wage was 3.2% 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
- +3.2 % = 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
noteKane County, IL's covered employment was 1.5% 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
- -1.5 % = 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
noteKane County, IL's typical home value rose 0.5% from $381,912 in August 2026 to $383,834 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.5% = (383833.96933165024 - 381911.7755927118) / 381911.7755927118 × 100
- 383833.96933165024 = Zillow ZHVI, 2026-09
- 381911.7755927118 = Zillow ZHVI, 2026-08
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.