Champaign County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.14, -88.20.
Assembled 2026-10-19. Read the brief.
- 52nd pct · 1,456th of 3,063 US counties · median $230,451
- 86th pct · 15th of 102 Illinois counties · median $158,551
- counties in the Champaign-Urbana metro: Rank context is unavailable: the manifest lists 3 counties in the Champaign-Urbana metro; fewer than 5 is too few to rank.
- 74th pct · 785th of 3,062 US counties · median +2.9%
- 50th pct · 51st of 102 Illinois counties · median +5.0%
- counties in the Champaign-Urbana metro: Rank context is unavailable: the manifest lists 3 counties in the Champaign-Urbana metro; fewer than 5 is too few to rank.
- 39th pct · 828th of 1,358 US counties · median $1,506
- 70th pct · 10th of 32 Illinois counties · median $1,198
- counties in the Champaign-Urbana metro: Rank context is unavailable: the manifest lists 3 counties in the Champaign-Urbana metro; fewer than 5 is too few to rank.
- 90th pct · 312th of 3,221 US counties · median 8,232
- 90th pct · 11th of 102 Illinois counties · median 7,611
- counties in the Champaign-Urbana metro: Rank context is unavailable: the manifest lists 3 counties in the Champaign-Urbana metro; fewer than 5 is too few to rank.
- 82nd pct · 549th of 3,221 US counties · median $1,039
- 87th pct · 14th of 102 Illinois counties · median $1,061
- counties in the Champaign-Urbana metro: Rank context is unavailable: the manifest lists 3 counties in the Champaign-Urbana metro; fewer than 5 is too few to rank.
- 35th pct · 1,979th of 3,063 US counties · median 4.2
- 80th pct · 21st of 102 Illinois counties · median 2.8
- counties in the Champaign-Urbana metro: Rank context is unavailable: the manifest lists 3 counties in the Champaign-Urbana metro; fewer than 5 is too few to rank.
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 $238,398 (Sep 2026), +5.0% over one year, +31.9% over five
- 52nd pct · 1,456th of 3,063 US counties · median $230,451
- 86th pct · 15th of 102 Illinois counties · median $158,551
- counties in the Champaign-Urbana metro: Rank context is unavailable: the manifest lists 3 counties in the Champaign-Urbana metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Champaign County, IL | $238,398 · +5.0% 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 #
Typical rent $1,389/mo (Sep 2026), +4.8% over one year; price-to-rent 14.3
- 39th pct · 828th of 1,358 US counties · median $1,506
- 70th pct · 10th of 32 Illinois counties · median $1,198
- counties in the Champaign-Urbana metro: Rank context is unavailable: the manifest lists 3 counties in the Champaign-Urbana metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Champaign County, IL | $1,389/mo · +4.8% 1-yr |
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 $1,320 a month on $238,398 at 7.40%, against an average weekly wage worth $5,534 a month: 23.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $238,398 × 80% = $190,718, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,320/mo principal and interest
- wage share = payment / (avg weekly wage $1,277 × 52 / 12 = $5,534) = 24% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $238,398 / ($1,277 × 52) = 3.6
- price-to-rent = $238,398 / ($1,389 × 12) = 14.3
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 #
94,401 jobs at 4,207 employers (2026 Q1); -1.2% jobs and +1.0% average weekly wage over the year
- 90th pct · 312th of 3,221 US counties · median 8,232
- 90th pct · 11th of 102 Illinois counties · median 7,611
- counties in the Champaign-Urbana metro: Rank context is unavailable: the manifest lists 3 counties in the Champaign-Urbana metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Champaign County, IL | 94,401 jobs · $1,277/wk · -1.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 15,525 | $1,686 | 1.09 | -2.8% |
| Accommodation and food services | 9,905 | $460 | 1.17 | +4.8% |
| Retail trade | 8,898 | $686 | 0.97 | -6.1% |
| Manufacturing | 5,850 | $1,196 | 0.77 | -14.2% |
| Professional and technical services | 3,391 | $2,424 | 0.52 | -1.7% |
| Transportation and warehousing | 3,334 | $890 | 0.84 | +10.7% |
| Administrative and waste services | 3,051 | $948 | 0.57 | +2.9% |
| Finance and insurance | 2,345 | $2,281 | 0.61 | -1.2% |
| Other services | 2,338 | $931 | 0.83 | +2.5% |
| Wholesale trade | 1,872 | $1,610 | 0.52 | +2.8% |
| Real estate and rental | 1,475 | $1,171 | 1.02 | +3.2% |
| Arts, entertainment and recreation | 1,287 | $477 | 0.83 | -0.2% |
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 #
No drought class at this point (USDM covers the United States only)
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 #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
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 #
43 gauges · 0 flooding · 19 with quality panels averaging 100 % · 13 stale
Sites found: 43, 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.
| Site | Reading | Distance |
|---|---|---|
| USGS-03337100 | flow 2.43 ft³/s | 4 km |
| USGS-03337000 | flow 1.79 ft³/s | 4 km |
| USGS-03337570 | flow 24.7 ft³/s | 4 km |
| USGS-03336998 | stage 11.4 ft | 4 km |
| USGS-05590050 | flow 1.89 ft³/s | 10 km |
| USGS-05590000 | flow 11.0 ft³/s · STALE | 13 km |
| USGS-03336900 | flow 11.0 ft³/s | 14 km |
| USGS-03336890 | flow 3.26 ft³/s | 15 km |
| USGS-03343350 | flow 1.08 ft³/s | 21 km |
| USGS-05570910 | flow 15.3 ft³/s · quality 100 % (1) | 22 km |
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 #
12 wells in 0 named aquifers:
Sites found: 12, 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.
| Site | Reading | Distance |
|---|---|---|
| USGS-400753088090501 | depth 0.69 ft · 2010-01-24 | 4 km |
| USGS-400751088084101 | depth 27.8 ft · 2016-03-26 | 5 km |
| USGS-401654088212004 | depth 11.8 ft · 2026-10-18 | 21 km |
| USGS-401654088212001 | depth 47.1 ft · 2021-12-01 | 21 km |
| USGS-402558087351501 | depth 23.3 ft · 2026-10-18 | 61 km |
| USGS-402732088523901 | depth 5.76 ft · 2015-06-14 | 68 km |
| USGS-402736088523902 | depth 0.66 ft · 2015-06-16 | 68 km |
| USGS-402736088523901 | depth 0.89 ft · 2015-06-16 | 68 km |
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 #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.00 / 0.55
Banks & federal dollars #
$7.6 bn in deposits at 71 offices of 29 banks (SOD June 2026); HHI 2,144, highly concentrated. $1.4 bn federal obligations in FY2026 (direct payments $949.7 m, grants $313.2 m), $14,332 per covered job
| Item | Value | Distance |
|---|---|---|
| Busey Bank | $3.2 bn · 42.2% share · 9 offices | |
| JPMorgan Chase Bank, National Association | $1.2 bn · 15.5% share · 4 offices | |
| PNC Bank, National Association | $496.1 m · 6.6% share · 5 offices | |
| Champaign, IL | $1.4 bn FY2026 · $14,332/job | |
| MULTIPLE RECIPIENTS | $839.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Busey Bank | $3,186,096,000 | 42.2% | 9 |
| JPMorgan Chase Bank, National Association | $1,173,425,000 | 15.5% | 4 |
| PNC Bank, National Association | $496,131,000 | 6.6% | 5 |
| Longview Bank | $290,863,000 | 3.9% | 4 |
| CIBM Bank | $273,345,000 | 3.6% | 2 |
| The Fisher National Bank | $232,349,000 | 3.1% | 3 |
| BankChampaign, National Association | $193,263,000 | 2.6% | 2 |
| First Mid Bank & Trust, National Association | $193,040,000 | 2.6% | 5 |
| Bank of Rantoul | $187,116,000 | 2.5% | 1 |
| First Federal Savings Bank of Champaign Urbana | $163,617,000 | 2.2% | 2 |
Deposit concentration is 2,144 across 29 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 29 banks with deposits in the county = 42.2² + 15.5² + 6.6² + … (26 more) = 2,144
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 #
USAspending place-of-performance obligations for FY2026, by awarding agency.
| Awarding agency | Obligations |
|---|---|
| Social Security Administration | $674,591,391 |
| Department of Health and Human Services | $179,985,434 |
| Department of Agriculture | $95,474,652 |
| Department of Education | $74,649,342 |
| National Science Foundation | $67,445,608 |
| Department of Veterans Affairs | $66,329,223 |
| Department of Energy | $61,890,631 |
| Department of Defense | $50,554,428 |
| Department of Transportation | $31,399,181 |
| Department of Housing and Urban Development | $22,784,678 |
| National Aeronautics and Space Administration | $10,854,347 |
| Railroad Retirement Board | $5,823,589 |
That is $14,332 per covered job, against 94,401 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.4 bn / 94,401 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,332
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 #
Champaign County, IL: 14 findings, 5 at a watch level and 9 noted
watchChampaign County, IL's covered employment is -1.2% against a year earlier, a watch level here: covered employment below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026 Q1.Show the arithmetic
- test: jobs.yoy.emp = -1.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchChampaign County, IL's years of wages of 3.6 scores 35 on the 0-to-100 scale across US counties but 80 across Illinois counties, a gap of 45 points.
Period 2026-09.Show the arithmetic
- 45 = |35 across US counties - 80 across Illinois counties|
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
watchChampaign County, IL's price-to-rent ratio of 14.3 scores 21 on the 0-to-100 scale across US counties but 55 across Illinois counties, a gap of 34 points.
Period 2026-09.Show the arithmetic
- 34 = |21 across US counties - 55 across Illinois counties|
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
watchChampaign County, IL's typical home value of $238,398 scores 52 on the 0-to-100 scale across US counties but 86 across Illinois counties, a gap of 34 points.
Period 2026-09.Show the arithmetic
- 34 = |52 across US counties - 86 across Illinois counties|
position among the entities that published this metric this period; not an official level
watchChampaign County, IL's typical asking rent of $1,389 scores 39 on the 0-to-100 scale across US counties but 71 across Illinois counties, a gap of 32 points.
Period 2026-09.Show the arithmetic
- 32 = |39 across US counties - 71 across Illinois counties|
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.