McLean County presents a valuation conflict: a June 2026 Zillow county value observation declined while FHFA's 2025 repeat-transaction index increased. Investors able to validate parcel-level comps and lease economics should investigate; buyers requiring a settled county price signal should be cautious. Zillow's value change was a 14.64% year-over-year decline. Separately, FHFA's annual HPI gained 9.26% and reported a 46.34% cumulative change. FHFA is a repeat-transaction appreciation index, not a home value; its direction challenges Zillow's, but their methods and observation periods cannot be averaged.
Income economics cannot yet be underwritten. Market rent is not published, so gross yield cannot be computed. HUD's monthly FMR of $1,110 is a payment standard, not a market asking-rent estimate and cannot be used to infer rent or yield. The effective property-tax rate is 0.64%, while median annual tax is not needed to establish the rate burden. Modeled climate loss is 0.27% of building value per year, with inland flood identified as the dominant hazard. Those are separate carrying-cost and hazard screens, not a property-specific insurance quote or loss estimate.
Realtor.com MLS evidence for June 2026 shows median listing price up 22.63% year over year, alongside 10 active listings and a 48-day median marketing time. These are asking-market and visible-supply measures, not closed-sale pricing or proof of buyer demand. Tax-return mover flows were nearly balanced, while arriving households had average AGI $373 above departing households. Investor purchase mortgages were 4 of 77 total purchases, a 5.19% share, indicating limited measured non-owner participation rather than a basis to infer broader buyer behavior.
Annual QCEW data show covered workplace employment declined while average weekly covered-worker pay increased; Trade, transportation, and utilities is the largest disclosed private supersector. This is workplace employment, not resident employment, unemployment, or an economic forecast. Market rents, closed-sale comps, lease terms, flood-zone and elevation details, insurance quotes, and property condition are not published in the record. Their absence prevents a gross-yield calculation, a supported exit-value conclusion, and a site-specific flood-cost assessment. Next checks are lease comps, recent closed transactions, parcel tax bills, and flood and insurance documentation.