1st Advantage MortgageIn Woodford County, Illinois, the typical household earns $91,483 a year and the typical rent is $912. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- A quick profile of Woodford County
- Renting and owning in Woodford County
- How much Woodford County households make
- Jobs and commutes in Woodford County
- Woodford County and the counties next door
- Towns and communities in Woodford County
- A Woodford County household budget, worked through
- Woodford County residents: age, schooling, coverage
- Borrowing situations common in Woodford County
- A Woodford County borrower's checklist
- Illinois rules that apply in Woodford County
- More guides for Woodford County
- Frequently asked questions
A quick profile of Woodford County
With an estimated 38,312 residents (ACS 2020 to 2024), Woodford County ranks 34th of 102 in Illinois for population. Land area is 528 square miles (2024 Gazetteer), so density runs near 73 per square mile. For statistical purposes it belongs to the Peoria, IL metro area, as delineated by the Office of Management and Budget in July 2023. Of the 16 Census places inside Woodford County, Eureka leads by population with about 5,007; 15 of the 16 are incorporated.
Renting and owning in Woodford County
Renters in Woodford County pay a median of $912 a month, 28% below the Illinois figure of $1,274. 44% of renting households spend 30% or more of income on rent, and 19% spend half or more. With a median value of $197,600, a typical Woodford County house costs 2.2 times what the median household earns in a year. 86% of Woodford County households own their home and 14% rent. Half the housing stock was built before 1972.
| Cost | Woodford County | Illinois figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $912/mo | $1,274/mo | $877/mo |
| Median home value | $197,600 | $263,300 | $185,300 |
| Owners | 86% | 67% | 75% |
| Rent-burdened renters | 44% | 48% | 45% |
| Burdened owners | 19% | 27% | n/a |
| Vacant units | 7% | 8% | n/a |
Owners with equity have a second option. Weigh a secured line against an unsecured loan by risk as well as cost before you choose (how they compare).
How much Woodford County households make
At $91,483, the typical Woodford County household income is 39% above the median U.S. county ($65,681). In the state ranking that is 11th of 102.
| Households earning | Woodford County | +/- vs Illinois |
|---|---|---|
| Under $35,000 | 18.6% | -2.3 pts |
| $35,000 to $99,999 | 35.7% | -1.5 pts |
| $100,000 to $199,999 | 32.9% | +4.8 pts |
| $200,000 or more | 12.8% | -1.0 pts |
The spread is wide: 46% of Woodford County households make $100,000 or more, and 19% make less than $35,000. 7.0% of residents fall below the federal poverty line (statewide: 11.8%). If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Woodford County median.
Jobs and commutes in Woodford County
By the Census industry count, 27% of employed Woodford County residents work in education and health care and 15% in manufacturing. Manufacturing stands out: 15% of workers here, versus 11% statewide. ACS puts five-year average unemployment at 3.5% in Woodford County. 10% of commuters travel 45 minutes or more each way, and 12% work from home.
| Sector | Woodford County | Compared with Illinois |
|---|---|---|
| Education and health care | 26.7% | +3.1 pts |
| Manufacturing | 15.5% | +4.0 pts |
| Retail trade | 10.2% | -0.2 pts |
| Professional and administrative services | 8.4% | -4.5 pts |
| Finance, insurance and real estate | 7.6% | +0.1 pts |
| Arts, lodging and food service | 6.9% | -1.2 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Woodford County and the counties next door
Marshall County is closest, 18 miles from center to center; the sixth, Livingston County, is 35 miles off. None of the six report a higher median household income than Woodford County; McLean County is highest at $79,905 and Peoria County lowest at $65,108.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Woodford County | - | $91,483 | $912/mo | 86% |
| Marshall County, IL | 18 mi | $71,585 | $782/mo | 79% |
| Tazewell County, IL | 25 mi | $77,982 | $909/mo | 78% |
| McLean County, IL | 28 mi | $79,905 | $1,009/mo | 65% |
| Putnam County, IL | 29 mi | $75,590 | $851/mo | 81% |
| Peoria County, IL | 29 mi | $65,108 | $993/mo | 67% |
| Livingston County, IL | 35 mi | $73,790 | $880/mo | 74% |
Towns and communities in Woodford County
16 Census places fall mainly inside Woodford County; the 14 biggest are below. They account for 23,725 residents, leaving about 38% of the county in unincorporated, unnamed areas. Incomes vary by place: $147,341 at the median in Germantown Hills, $56,048 in Eureka. Rent is cheapest in Eureka ($692) and steepest in Goodfield ($1,156). None of the 16 has its own city guide, so this page covers all of them.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Eureka | city | 5,007 | $56,048 | $692 | 6 mi |
| Metamora | village | 4,159 | $129,479 | $1,008 | 8 mi |
| Germantown Hills | village | 3,436 | $147,341 | n/a | 13 mi |
| El Paso | city | 2,917 | $75,625 | $881 | 11 mi |
| Roanoke | village | 1,967 | $82,063 | $1,101 | 1 mi |
| Minonk | city | 1,941 | $69,352 | $999 | 12 mi |
| Goodfield | village | 985 | $113,438 | $1,156 | 11 mi |
| Congerville | village | 752 | $81,250 | $1,054 | 12 mi |
| Deer Creek | village | 654 | $94,375 | $1,152 | 13 mi |
| Spring Bay | village | 520 | $61,389 | $1,071 | 17 mi |
| Benson | village | 428 | $76,333 | $950 | 6 mi |
| Secor | village | 300 | $83,125 | $782 | 5 mi |
| Bay View Gardens | village | 281 | $52,679 | $787 | 17 mi |
| Kappa | village | 226 | $98,125 | $925 | 13 mi |
A Woodford County household budget, worked through
How much room does a median Woodford County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- $91,483 a year is $7,624 of gross monthly income
- 12% goes to median rent ($912)
- Under a 36% cap, $2,744 total minus rent leaves $1,832
If your rent is above $912, the room shrinks dollar for dollar.
Woodford County residents: age, schooling, coverage
Degree holders: 36% of adults over 25. About 5% go without health insurance.
| Indicator | Woodford County | All of Illinois | U.S. county median |
|---|---|---|---|
| Median age | 40.4 | 39.0 | 41.5 |
| Bachelor's or higher | 35.9% | 37.8% | 22.2% |
| No high school diploma | 5.2% | 9.5% | n/a |
| No health insurance | 5.2% | 6.9% | 7.8% |
| No vehicle | 3.3% | 11.0% | 5.4% |
| Work from home | 11.5% | 15.9% | 8.7% |
| Poverty rate | 7.0% | 11.8% | 13.2% |
| Unemployment (ACS) | 3.5% | 5.8% | 4.4% |
| One-way commute | Share of Woodford County workers |
|---|---|
| Under 15 min | 28.1% |
| 15 to 29 min | 37.0% |
| 30 to 44 min | 24.6% |
| 45 to 59 min | 5.2% |
| 60+ min | 5.2% |
Borrowing situations common in Woodford County
What the Woodford County figures suggest, and what to check first:
- Six-figure budgets. For the 46% earning $100,000 or more, lifestyle creep, not approval, is the usual problem.
- Check your file. An error fixed before you apply can change the offers a Woodford County borrower sees (free reports).
- Getting ready. Gather pay stubs or benefit letters before you apply (checklist).
A Woodford County borrower's checklist
Quick steps for Woodford County:
- Write down what the expense costs; a smaller loan costs less.
- Line up offers side by side: APR, fees in dollars, total cost.
- Verify the Illinois license before giving out your Social Security number.
- Confirm the first due date before setting up autopay.
Illinois rules that apply in Woodford County
No county office licenses personal lenders. For Woodford County, check the Illinois Department of Financial and Professional Regulation. The Consumer Financial Protection Bureau accepts complaints nationwide. Statewide data and rules: Illinois guide.
More guides for Woodford County
For statewide rules and data, see the Illinois guide.
Frequently asked questions
What does a typical Woodford County household make?
About $91,483 a year at the median (ACS 2020-24), 10% above the Illinois median.
How much is rent in Woodford County?
Median gross rent, utilities included, is $912 a month; 44% of renters spend 30% or more of income on it.
Does this page cover Eureka?
Yes, along with the other 15 Census places in Woodford County, such as Metamora, Germantown Hills, El Paso.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Woodford County or elsewhere in Illinois, the same rules apply.
Who do I complain to about a lender in Woodford County?
Start with the Illinois Department of Financial and Professional Regulation, then the CFPB complaint portal. Keep copies of every message.