Rock County, WI

Home values #

Typical home $296,846 (Sep 2026), +6.2% over one year, +39.1% over five

• 69th pct · 927th of 3,063 US counties · median $230,451
• 49th pct · 37th of 72 Wisconsin counties · median $298,510
• counties in the Janesville-Beloit metro: Rank context is unavailable: the manifest lists 1 counties in the Janesville-Beloit metro; fewer than 5 is too few to rank.

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 $1,292/mo (Sep 2026), +6.5% over one year; price-to-rent 19.2

• 30th pct · 946th of 1,358 US counties · median $1,506
• 62nd pct · 15th of 38 Wisconsin counties · median $1,275
• counties in the Janesville-Beloit metro: Rank context is unavailable: the manifest lists 1 counties in the Janesville-Beloit 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 $1,644 a month on $296,846 at 7.40%, against an average weekly wage worth $5,516 a month: 29.8% of one job’s pay.

• payment = P·r / (1 − (1+r)^−n), P = $296,846 × 80% = $237,477, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,644/mo principal and interest
• wage share = payment / (avg weekly wage $1,273 × 52 / 12 = $5,516) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
• years of wages = $296,846 / ($1,273 × 52) = 4.5
• price-to-rent = $296,846 / ($1,292 × 12) = 19.2

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 #

69,084 jobs at 4,108 employers (2026 Q1); +0.1% jobs and +0.5% average weekly wage over the year

• 87th pct · 399th of 3,221 US counties · median 8,232
• 87th pct · 10th of 72 Wisconsin counties · median 15,405
• counties in the Janesville-Beloit metro: Rank context is unavailable: the manifest lists 1 counties in the Janesville-Beloit metro; fewer than 5 is too few to rank.

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 #

162 gauges · 0 flooding · 18 with quality panels averaging 81 % · 61 stale

Sites found: 162, 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 #

50 wells in 0 named aquifers:

Sites found: 50, 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 (0.07)

Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.19 / 0.55

Banks & federal dollars #

$3.5 bn in deposits at 34 offices of 18 banks (SOD June 2026); HHI 1,010, moderately concentrated. $1.4 bn federal obligations in FY2026 (direct payments $989.1 m, contracts $344.2 m), $19,787 per covered job

Deposit concentration is 1,010 across 18 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.

HHI = Σ (share %)² over 18 banks with deposits in the county = 15.1² + 14.3² + 13.9² + … (15 more) = 1,010

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.

That is $19,787 per covered job, against 69,084 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $1.4 bn / 69,084 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,787

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.

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 #

Rock County, WI: 10 findings, 3 at a watch level and 7 noted

1. watchRock County, WI's price-to-rent ratio of 19.2 scores 68 on the 0-to-100 scale across US counties but 22 across Wisconsin counties, a gap of 47 points.

   Period 2026-09.
   Show the arithmetic

   • 47 = |68 across US counties - 22 across Wisconsin 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

2. watchRock County, WI's years of wages of 4.5 scores 55 on the 0-to-100 scale across US counties but 14 across Wisconsin counties, a gap of 41 points.

   Period 2026-09.
   Show the arithmetic

   • 41 = |55 across US counties - 14 across Wisconsin 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

3. watchRock County, WI's typical asking rent of $1,292 scores 30 on the 0-to-100 scale across US counties but 62 across Wisconsin counties, a gap of 32 points.

   Period 2026-09.
   Show the arithmetic

   • 32 = |30 across US counties - 62 across Wisconsin counties|

   position among the entities that published this metric this period; not an official level

4. noteRock County, WI's average weekly wage was 0.5% 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

   • +0.5 % = 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

5. noteRock County, WI's typical home value rose 0.3% from $296,037 in August 2026 to $296,846 in September 2026, on Zillow ZHVI.

   Period 2026-09.
   Show the arithmetic

   • +0.3% = (296845.7055855361 - 296036.6986430299) / 296036.6986430299 × 100
   • 296845.7055855361 = Zillow ZHVI, 2026-09
   • 296036.6986430299 = Zillow ZHVI, 2026-08

Read all 10 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.