Calhoun County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.16, -90.67.
Assembled 2026-10-19. Read the brief.
- 37th pct · 1,905th of 3,063 US counties · median $230,451
- 76th pct · 25th of 102 Illinois counties · median $158,551
- 35th pct · 10th of 15 counties in the St. Louis metro · median $225,207
- 88th pct · 342nd of 3,062 US counties · median +2.9%
- 75th pct · 26th of 102 Illinois counties · median +5.0%
- 92nd pct · 2nd of 15 counties in the St. Louis metro · median +3.9%
- US counties: not published this period
- Illinois counties: not published this period
- counties in the St. Louis metro: not published this period
- 4th pct · 3,078th of 3,221 US counties · median 8,232
- 0th pct · 101st of 102 Illinois counties · median 7,611
- 0th pct · 15th of 15 counties in the St. Louis metro · median 12,995
- 3rd pct · 3,122nd of 3,221 US counties · median $1,039
- 0th pct · 102nd of 102 Illinois counties · median $1,061
- 0th pct · 15th of 15 counties in the St. Louis metro · median $1,033
- 69th pct · 950th of 3,063 US counties · median 4.2
- 95th pct · 6th of 102 Illinois counties · median 2.8
- 64th pct · 6th of 15 counties in the St. Louis metro · median 4.2
Typical home value divided by the average annual wage of one covered job.
A percentile here is a min-max scaling of average rank: the smallest published value in the cohort is 0 and the largest is 100, and tied values share the average of the ranks they span. It is not the share of entities below the value, so 0 means smallest, not none below. Entities that did not publish the metric are outside the cohort entirely and are counted in neither the rank nor its denominator.
Home values #
Typical home $198,789 (Sep 2026), +7.3% over one year, +18.5% over five
- 37th pct · 1,905th of 3,063 US counties · median $230,451
- 76th pct · 25th of 102 Illinois counties · median $158,551
- 35th pct · 10th of 15 counties in the St. Louis metro · median $225,207
| Item | Value | Distance |
|---|---|---|
| Calhoun County, IL | $198,789 · +7.3% 1-yr |
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 #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- Illinois counties: not published this period
- counties in the St. Louis metro: not published this period
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 $1,101 a month on $198,789 at 7.40%, against an average weekly wage worth $3,159 a month: 34.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $198,789 × 80% = $159,031, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,101/mo principal and interest
- wage share = payment / (avg weekly wage $729 × 52 / 12 = $3,159) = 35% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $198,789 / ($729 × 52) = 5.2
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 #
733 jobs at 90 employers (2026 Q1); +0.8% jobs and +2.7% average weekly wage over the year
- 4th pct · 3,078th of 3,221 US counties · median 8,232
- 0th pct · 101st of 102 Illinois counties · median 7,611
- 0th pct · 15th of 15 counties in the St. Louis metro · median 12,995
| Item | Value | Distance |
|---|---|---|
| Calhoun County, IL | 733 jobs · $729/wk · +0.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 104 | $264 | 1.58 | +11.8% |
| Finance and insurance | 67 | $964 | 2.24 | -1.5% |
| Retail trade | 64 | $522 | 0.90 | -9.9% |
| Construction | 32 | $1,290 | 0.83 | +3.2% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Manufacturing | withheld | |||
| Wholesale trade | withheld | |||
| Transportation and warehousing | withheld | |||
| Information | withheld | |||
| Professional and technical services | withheld | |||
| Administrative and waste services | withheld |
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 #
D1 moderate drought
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 #
Surface water layer not loaded
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 #
Surface water layer not loaded
Sites found: 0, 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 #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, 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 #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$163.3 m in deposits at 5 offices of 2 banks (SOD June 2026); HHI 5,054, highly concentrated. $33.3 m federal obligations in FY2026 (direct payments $32.2 m, grants $986,583), $45,374 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank of Kampsville | $90.2 m · 55.2% share · 3 offices | |
| Bank of Calhoun County | $73.2 m · 44.8% share · 2 offices | |
| Calhoun, IL | $33.3 m FY2026 · $45,374/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank of Kampsville | $90,192,000 | 55.2% | 3 |
| Bank of Calhoun County | $73,151,000 | 44.8% | 2 |
Deposit concentration is 5,054 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 55.2² + 44.8² = 5,054
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 #
That is $45,374 per covered job, against 733 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $33.3 m / 733 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $45,374
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.
| Series | Latest | As of | Change |
|---|---|---|---|
| Mississippi River at Memphis, stage · ft | not published | not published | |
| Mississippi River at St. Louis, stage · ft | not published | not published | |
| Ohio River at Louisville, stage · ft | 17.95 | 2026-10-18 | -2.6% |
| Missouri River at St. Joseph, stage · ft | not published | not published | |
| Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s | 5,170.00 | 2026-02-05 | -25.3% |
| Texas reservoirs, statewide percent full · % | 72.20 | 2026-10-19 | +0.0% |
| Laredo truck crossings, monthly · trucks | 258,700.00 | 2026-08-01 | -0.4% |
| Los Angeles + Long Beach container volume, annual · TEU | 10,513,167.00 | 2023-01-01 | -13.5% |
| Containerships waiting for a berth, all US ports · ships | 7.00 | 2026-10-13 | +133.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 101.91 | 2026-10-14 | +1.0% |
| 30-year fixed mortgage rate · % | 7.40 | 2026-10-15 | +0.0% |
| Housing starts, annual rate · thousands of units | 1,275.00 | 2026-08-01 | -2.6% |
| Building permits, annual rate · thousands of units | 1,403.00 | 2026-08-01 | -2.1% |
| Case-Shiller US home price index · index, Jan 2000 = 100 | 337.31 | 2026-07-01 | +0.1% |
| Unemployment rate · % | 4.20 | 2026-09-01 | +2.4% |
| US goods and services trade balance, monthly · $ millions | -105,572.00 | 2026-08-01 | -13.7% |
| Retail sales excluding food services, monthly · $ millions | 652,115.00 | 2026-09-01 | +0.7% |
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 #
Calhoun County, IL: 14 findings, 1 at a watch level and 13 noted
watchCalhoun County, IL's typical home value of $198,789 scores 38 on the 0-to-100 scale across US counties but 76 across Illinois counties, a gap of 38 points.
Period 2026-09.Show the arithmetic
- 38 = |38 across US counties - 76 across Illinois counties|
position among the entities that published this metric this period; not an official level
noteCalhoun County, IL's average weekly wage was 2.7% 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
- +2.7 % = 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
noteCalhoun County, IL's typical home value rose 0.9% from $197,057 in August 2026 to $198,789 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.9% = (198789.26151766683 - 197057.0652906484) / 197057.0652906484 × 100
- 198789.26151766683 = Zillow ZHVI, 2026-09
- 197057.0652906484 = Zillow ZHVI, 2026-08
noteCalhoun County, IL's covered employment was 0.8% 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
- +0.8 % = 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
noteCalhoun County, IL's average weekly wage of $729 ranks 102nd of 102 Illinois counties, against a median of $1,061.
Period 2026 Q1.Show the arithmetic
- 0 on the 0-to-100 scale across 102 Illinois counties that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
Read all 12 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.