Census tract · Winnebago County
Census Tract 40.04, Winnebago County, Illinois
Census Tract 40.04, GEOID 17201004004, in Winnebago County, Illinois, mostly within South Beloit (82% of its census blocks). 6,157 residents in the ACS 2020-2024 5-year estimates (±382); the 2020 Census counted 5,870.
Residents, 2020-2024
6,157
±382 (90% margin)
2020 Census count: 5,870
Median household income
$64,740
±$21,251 (90% margin)
Winnebago County: $65,837
Median home value
$171,100
±$11,467 (90% margin)
Winnebago County: $164,500
Median gross rent
$940
±$250 (90% margin)
Winnebago County: $1,021
Where is Census Tract 40.04?
Census Tract 40.04 is one of 80 census tracts in Winnebago County, Illinois. It covers 4.85 square miles of land, 1,210 residents per square mile in 2020. Its GEOID, 17201004004, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| South Beloit | 82% |
| Rockton Township | 64% |
| Roscoe Township | 36% |
| Roscoe | 1% |
4 census tracts border Census Tract 40.04: Tract 39.03 ($123,102), Tract 40.02 ($83,140), Tract 40.03 ($57,420) and Tract 40.05 ($123,618). 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 40.04?
The 2020-2024 American Community Survey puts Census Tract 40.04's population at 6,157 (±382) in 2,799 households; the 2020 Census counted 5,870 residents and 2,499 housing units.
| Measure | Tract 40.04 | South Beloit |
|---|---|---|
| Total population | 6,157 ±382 | 7,946 |
| Households | 2,799 ±292 | 3,339 |
| Average household size | 2.17 ±0.18 | 2.36 |
| Housing units | 3,019 ±258 | 3,559 |
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 40.04?
The median resident of Census Tract 40.04 is 36.2 years old; 23.4% are under 18 and 13.5% are 65 or older. The largest group is non-Hispanic white residents at 79.0%, then Hispanic or Latino residents (of any race) at 8.3%.
| Measure | Tract 40.04 | South Beloit |
|---|---|---|
| Median age | 36.2 ±3.2 | 36.0 |
| Under 18 years | 23.4% ±3.9 pts | 24.9% |
| 65 years and over | 13.5% ±4.6 pts | 13.2% |
| Hispanic or Latino (any race) | 8.3% ±2.7 pts | 11.5% |
| White alone, not Hispanic | 79.0% ±7.2 pts | 76.3% |
| Black or African American alone, not Hispanic | 3.7% ±4.0 pts | 3.2% |
| Asian alone, not Hispanic | 1.4% ±2.1 pts | 1.1% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±0.6 pts | 0.0% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.6 pts | 0.1% |
| Two or more races, not Hispanic | 7.6% ±5.0 pts | 7.8% |
| Some other race alone, not Hispanic | 0.0% ±0.6 pts | 0.0% |
| Born outside the United States | 2.9% ±2.1 pts | 4.3% |
| Speak a language other than English at home (age 5+) | 7.9% ±3.2 pts | 10.7% |
| Civilian veterans (age 18+) | 8.4% ±4.6 pts | 6.7% |
| With a disability | 13.4% ±4.5 pts | 10.4% |
| No health insurance coverage | 6.5% ±6.5 pts | 7.2% |
| High school graduate or higher (age 25+) | 95.9% ±2.6 pts | 95.7% |
| Bachelor's degree or higher (age 25+) | 26.5% ±8.3 pts | 28.4% |
| Graduate or professional degree (age 25+) | 9.1% ±4.8 pts | 10.2% |
| Lived in the same house a year earlier | 82.3% ±6.8 pts | 85.2% |
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 40.04 earn?
Half of the 2,799 households in Census Tract 40.04 earn less than $64,740 a year (±$21,251), against $65,837 across Winnebago County: 39th highest of the county's 78 tracts with a reliable estimate. 10.1% of residents live below the poverty line.
| Measure | Tract 40.04 | South Beloit |
|---|---|---|
| Median household income | $64,740 ±$21,251 | $78,616 |
| Mean household income | $77,837 ±$9,494 | $86,474 |
| Per capita income | $35,676 ±$4,191 | $36,716 |
| People below the poverty line | 10.1% ±5.1 pts | 8.0% |
| Children under 18 below the poverty line | 12.8% ±10.1 pts | 10.8% |
| Households receiving SNAP | 18.9% ±7.5 pts | 15.4% |
| Households with a computer | 95.2% ±3.5 pts | 96.1% |
| Households with a broadband subscription | 91.0% ±6.9 pts | 91.7% |
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 40.04?
Owners occupy 63.6% of Census Tract 40.04's occupied homes and renters 36.4%. The median owner-occupied home is valued at $171,100 by its owner (±$11,467). The median renter pays $940 a month including utilities, and 23.3% of renters pay 35% or more of their income on rent.
| Measure | Tract 40.04 | South Beloit |
|---|---|---|
| Median home value (owner-occupied) | $171,100 ±$11,467 | $173,000 |
| Median gross rent | $940 ±$250 | $972 |
| Renters paying 35% or more of income on rent | 23.3% ±15.1 pts | 18.1% |
| Median monthly owner costs, with a mortgage | $1,538 ±$116 | $1,524 |
| Owner-occupied homes | 63.6% ±8.5 pts | 69.0% |
| Renter-occupied homes | 36.4% ±8.5 pts | 31.0% |
| Housing units | 3,019 ±258 | 3,559 |
| Single-family detached homes | 71.9% ±8.4 pts | 70.5% |
| Mobile homes | 3.8% ±5.3 pts | 7.2% |
| Built 2020 or later | 0.0% ±1.2 pts | 0.0% |
| Built 2010 to 2019 | 4.4% ±4.4 pts | 5.4% |
| Built 1939 or earlier | 13.9% ±6.4 pts | 13.4% |
| Households with no vehicle | 2.5% ±2.0 pts | 2.3% |
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 40.04 get to work?
69.3% of Census Tract 40.04's workers drive alone. The average trip to work takes 25.4 minutes. The unemployment rate in 2020-2024 averaged 5.4%.
| Measure | Tract 40.04 | South Beloit |
|---|---|---|
| In the labor force (age 16+) | 74.4% ±5.8 pts | 76.6% |
| Unemployment rate | 5.4% ±3.1 pts | 5.9% |
| Drove alone to work | 69.3% ±8.4 pts | 72.8% |
| Carpooled | 25.9% ±8.1 pts | 21.9% |
| Public transportation | 0.0% ±0.1 pts | 0.0% |
| Walked | 0.0% ±0.1 pts | 0.0% |
| Worked from home | 0.5% ±0.9 pts | 2.1% |
| Mean travel time to work | 25.4 min ±5.4 | 24.8 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 40.04 compare with the other tracts in Winnebago County?
Among Winnebago County's tracts with a reliable estimate, Census Tract 40.04 ranks as shown below (1 = highest).
| Measure | In Winnebago County |
|---|---|
| Population | 3rd of 79 |
| Residents per square mile | 56th of 80 |
| Median household income | 39th of 78 |
| Per capita income | 37th of 78 |
| Median home value | 30th of 78 |
| Median gross rent | 53rd of 77 |
| Poverty rate | 48th of 69 |
| Bachelor's degree or higher | 31st of 71 |
| Median age | 53rd of 79 |
| Owner-occupied share | 45th of 78 |
The tracts next to it on Winnebago County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 7 | 36th | $70,729±$12,426 · within the margin of this tract |
| Tract 1.05 | 37th | $69,619±$9,904 · within the margin of this tract |
| Tract 37.07 | 38th | $65,248±$19,325 · within the margin of this tract |
| Tract 40.04 | 39th | $64,740±$21,251 |
| Tract 1.03 | 40th | $64,275±$8,831 · within the margin of this tract |
| Tract 37.08 | 41st | $63,485±$2,100 · within the margin of this tract |
| Tract 5.07 | 42nd | $62,083±$29,505 · 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 40.04?
3 of the 18 figures for Census Tract 40.04 on this page carry a coefficient of variation over 40% and are 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