Census tract · Winnebago County
Census Tract 38.10, Winnebago County, Illinois
Census Tract 38.10, GEOID 17201003810, in Winnebago County, Illinois, mostly within Loves Park (77% of its census blocks). 5,621 residents in the ACS 2020-2024 5-year estimates (±392); the 2020 Census counted 6,495.
Residents, 2020-2024
5,621
±392 (90% margin)
2020 Census count: 6,495
Median household income
$92,083
±$13,763 (90% margin)
Winnebago County: $65,837
Median home value
$204,500
±$21,424 (90% margin)
Winnebago County: $164,500
Median gross rent
$1,248
±$193 (90% margin)
Winnebago County: $1,021
Where is Census Tract 38.10?
Census Tract 38.10 is one of 80 census tracts in Winnebago County, Illinois. It covers 3.50 square miles of land, 1,854 residents per square mile in 2020. Its GEOID, 17201003810, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Loves Park | 77% |
| Harlem Township, Winnebago County | 75% |
| Rockford Township | 25% |
5 census tracts border Census Tract 38.10: Tract 105.01 in Boone County ($163,188), Tract 5.10 ($111,138), Tract 5.12 ($75,781), Tract 38.09 ($53,192) and Tract 38.11 ($107,143). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 38.10?
The 2020-2024 American Community Survey puts Census Tract 38.10's population at 5,621 (±392) in 2,789 households; the 2020 Census counted 6,495 residents and 2,966 housing units.
| Measure | Tract 38.10 | Loves Park |
|---|---|---|
| Total population | 5,621 ±392 | 23,502 |
| Households | 2,789 ±212 | 10,302 |
| Average household size | 2.01 ±0.14 | 2.26 |
| Housing units | 2,805 ±207 | 10,675 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 38.10?
The median resident of Census Tract 38.10 is 44.5 years old; 15.2% are under 18 and 23.9% are 65 or older. The largest group is non-Hispanic white residents at 75.6%, then Hispanic or Latino residents (of any race) at 9.7%. 9.5% of residents were born outside the United States.
| Measure | Tract 38.10 | Loves Park |
|---|---|---|
| Median age | 44.5 ±2.5 | 37.2 |
| Under 18 years | 15.2% ±2.4 pts | 20.4% |
| 65 years and over | 23.9% ±2.5 pts | 18.5% |
| Hispanic or Latino (any race) | 9.7% ±2.9 pts | 10.7% |
| White alone, not Hispanic | 75.6% ±5.4 pts | 71.0% |
| Black or African American alone, not Hispanic | 5.7% ±1.1 pts | 7.1% |
| Asian alone, not Hispanic | 4.0% ±3.3 pts | 3.0% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±0.7 pts | 0.0% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.7 pts | 0.0% |
| Two or more races, not Hispanic | 3.3% ±2.1 pts | 7.8% |
| Some other race alone, not Hispanic | 1.6% ±2.5 pts | 0.4% |
| Born outside the United States | 9.5% ±4.5 pts | 8.1% |
| Speak a language other than English at home (age 5+) | 10.3% ±4.7 pts | 11.2% |
| Civilian veterans (age 18+) | 4.8% ±2.3 pts | 4.7% |
| With a disability | 13.4% ±3.4 pts | 13.9% |
| No health insurance coverage | 2.7% ±1.9 pts | 5.9% |
| High school graduate or higher (age 25+) | 93.7% ±3.5 pts | 92.8% |
| Bachelor's degree or higher (age 25+) | 43.2% ±6.3 pts | 25.7% |
| Graduate or professional degree (age 25+) | 24.5% ±6.3 pts | 10.4% |
| Lived in the same house a year earlier | 90.0% ±4.4 pts | 87.2% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 38.10 earn?
Half of the 2,789 households in Census Tract 38.10 earn less than $92,083 a year (±$13,763), against $65,837 across Winnebago County: 14th highest of the county's 78 tracts with a reliable estimate. 10.3% of residents live below the poverty line.
| Measure | Tract 38.10 | Loves Park |
|---|---|---|
| Median household income | $92,083 ±$13,763 | $61,868 |
| Mean household income | $106,708 ±$16,482 | $84,265 |
| Per capita income | $52,755 ±$10,026 | $37,338 |
| People below the poverty line | 10.3% ±4.0 pts | 14.4% |
| Children under 18 below the poverty line | 8.7% ±10.8 pts | 22.1% |
| Households receiving SNAP | 4.7% ±2.6 pts | 17.6% |
| Households with a computer | 94.5% ±4.3 pts | 93.4% |
| Households with a broadband subscription | 89.2% ±6.1 pts | 88.6% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 38.10?
Owners occupy 71.6% of Census Tract 38.10's occupied homes and renters 28.4%. The median owner-occupied home is valued at $204,500 by its owner (±$21,424). The median renter pays $1,248 a month including utilities, and 32.1% of renters pay 35% or more of their income on rent.
| Measure | Tract 38.10 | Loves Park |
|---|---|---|
| Median home value (owner-occupied) | $204,500 ±$21,424 | $160,400 |
| Median gross rent | $1,248 ±$193 | $1,120 |
| Renters paying 35% or more of income on rent | 32.1% ±16.4 pts | 34.2% |
| Median monthly owner costs, with a mortgage | $1,503 ±$127 | $1,247 |
| Owner-occupied homes | 71.6% ±6.9 pts | 60.9% |
| Renter-occupied homes | 28.4% ±6.9 pts | 39.1% |
| Housing units | 2,805 ±207 | 10,675 |
| Single-family detached homes | 49.9% ±5.8 pts | 57.7% |
| Mobile homes | 0.0% ±1.3 pts | 4.4% |
| Built 2020 or later | 2.0% ±2.0 pts | 1.7% |
| Built 2010 to 2019 | 7.2% ±4.0 pts | 4.9% |
| Built 1939 or earlier | 0.4% ±0.7 pts | 5.7% |
| Households with no vehicle | 4.9% ±3.4 pts | 6.2% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 38.10 get to work?
73.7% of Census Tract 38.10's workers drive alone and 13.3% work from home. The average trip to work takes 25.4 minutes. The unemployment rate in 2020-2024 averaged 7.7%.
| Measure | Tract 38.10 | Loves Park |
|---|---|---|
| In the labor force (age 16+) | 68.5% ±4.4 pts | 65.7% |
| Unemployment rate | 7.7% ±3.9 pts | 6.3% |
| Drove alone to work | 73.7% ±7.5 pts | 80.9% |
| Carpooled | 8.8% ±6.0 pts | 7.9% |
| Public transportation | 0.0% ±1.2 pts | 0.0% |
| Walked | 1.3% ±2.1 pts | 0.5% |
| Worked from home | 13.3% ±5.2 pts | 8.8% |
| Mean travel time to work | 25.4 min ±5.8 | 21.5 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 38.10 compare with the other tracts in Winnebago County?
Among Winnebago County's tracts with a reliable estimate, Census Tract 38.10 ranks as shown below (1 = highest).
| Measure | In Winnebago County | In Loves Park |
|---|---|---|
| Population | 8th of 79 | 1st of 6 |
| Residents per square mile | 51st of 80 | 4th of 6 |
| Median household income | 14th of 78 | 3rd of 6 |
| Per capita income | 4th of 78 | 2nd of 6 |
| Median home value | 14th of 78 | 3rd of 6 |
| Median gross rent | 15th of 77 | 1st of 5 |
| Poverty rate | 47th of 69 | 4th of 4 |
| Bachelor's degree or higher | 7th of 71 | 2nd of 6 |
| Median age | 21st of 79 | 2nd of 6 |
| Owner-occupied share | 36th of 78 | 3rd of 6 |
The tracts next to it on Winnebago County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 5.11 | 11th | $96,841±$12,079 · within the margin of this tract |
| Tract 38.01 | 12th | $95,633±$12,688 · within the margin of this tract |
| Tract 37.06 | 13th | $92,750±$18,130 · within the margin of this tract |
| Tract 38.10 | 14th | $92,083±$13,763 |
| Tract 37.05 | 15th | $90,142±$10,772 · within the margin of this tract |
| Tract 38.08 | 16th | $86,902±$15,596 · within the margin of this tract |
| Tract 4.01 | 17th | $86,667±$21,884 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 38.10?
1 of the 18 figures for Census Tract 38.10 on this page carries a coefficient of variation over 40% and is marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections