Livingston County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.89, -88.55.
Assembled 2026-10-19. Read the brief.
- 25th pct · 2,268th of 3,063 US counties · median $230,451
- 65th pct · 36th of 102 Illinois counties · median $158,551
- 97th pct · 79th of 3,062 US counties · median +2.9%
- 96th pct · 5th of 102 Illinois counties · median +5.0%
- US counties: not published this period
- Illinois counties: not published this period
- 63rd pct · 1,190th of 3,221 US counties · median 8,232
- 68th pct · 33rd of 102 Illinois counties · median 7,611
- 73rd pct · 842nd of 3,221 US counties · median $1,039
- 75th pct · 26th of 102 Illinois counties · median $1,061
- 17th pct · 2,539th of 3,063 US counties · median 4.2
- 50th pct · 51st of 102 Illinois counties · median 2.8
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 $172,343 (Sep 2026), +10.9% over one year, +46.8% over five
- 25th pct · 2,268th of 3,063 US counties · median $230,451
- 65th pct · 36th of 102 Illinois counties · median $158,551
| Item | Value | Distance |
|---|---|---|
| Livingston County, IL | $172,343 · +10.9% 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
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 $955 a month on $172,343 at 7.40%, against an average weekly wage worth $5,109 a month: 18.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $172,343 × 80% = $137,875, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $955/mo principal and interest
- wage share = payment / (avg weekly wage $1,179 × 52 / 12 = $5,109) = 19% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $172,343 / ($1,179 × 52) = 2.8
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 #
14,012 jobs at 862 employers (2026 Q1); +1.8% jobs and +1.9% average weekly wage over the year
- 63rd pct · 1,190th of 3,221 US counties · median 8,232
- 68th pct · 33rd of 102 Illinois counties · median 7,611
| Item | Value | Distance |
|---|---|---|
| Livingston County, IL | 14,012 jobs · $1,179/wk · +1.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,691 | $1,883 | 2.39 | -4.3% |
| Health care and social assistance | 1,650 | $875 | 0.78 | +19.3% |
| Retail trade | 1,629 | $665 | 1.19 | +0.8% |
| Transportation and warehousing | 1,016 | $983 | 1.72 | -9.0% |
| Wholesale trade | 733 | $1,433 | 1.37 | -5.8% |
| Construction | 700 | $1,345 | 0.95 | -1.7% |
| Accommodation and food services | 686 | $330 | 0.54 | -0.9% |
| Information | 291 | $1,228 | 1.13 | +0.0% |
| Other services | 266 | $850 | 0.64 | +0.0% |
| Administrative and waste services | 196 | $1,036 | 0.25 | -17.6% |
| Professional and technical services | 164 | $912 | 0.17 | +3.1% |
| Utilities | 143 | $2,144 | 2.58 | +5.9% |
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 #
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 #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$1.4 bn in deposits at 25 offices of 12 banks (SOD June 2026); HHI 2,415, highly concentrated. $232.9 m federal obligations in FY2026 (direct payments $220.2 m, grants $13.0 m), $16,622 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank of Pontiac | $633.1 m · 43.9% share · 7 offices | |
| State Bank of Graymont | $230.9 m · 16.0% share · 4 offices | |
| First State Bank of Forrest | $117.3 m · 8.1% share · 2 offices | |
| Livingston, IL | $232.9 m FY2026 · $16,622/job | |
| MULTIPLE RECIPIENTS | $210.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank of Pontiac | $633,146,000 | 43.9% | 7 |
| State Bank of Graymont | $230,932,000 | 16.0% | 4 |
| First State Bank of Forrest | $117,256,000 | 8.1% | 2 |
| Peoples National Bank of Kewanee | $116,927,000 | 8.1% | 1 |
| Flanagan State Bank | $80,676,000 | 5.6% | 2 |
| First Financial Bank, National Association | $76,327,000 | 5.3% | 2 |
| Vermilion Valley Bank | $63,017,000 | 4.4% | 2 |
| Morton Community Bank | $49,847,000 | 3.5% | 1 |
| Midland States Bank | $26,079,000 | 1.8% | 1 |
| Campus State Bank | $22,980,000 | 1.6% | 1 |
Deposit concentration is 2,415 across 12 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 12 banks with deposits in the county = 43.9² + 16.0² + 8.1² + … (9 more) = 2,415
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 | $194,059,275 |
| Department of Veterans Affairs | $15,092,821 |
| Department of Agriculture | $12,633,317 |
| Department of Transportation | $8,343,003 |
| Department of Housing and Urban Development | $1,258,885 |
| Railroad Retirement Board | $1,200,490 |
| Department of Education | $195,859 |
| Federal Communications Commission | $102,354 |
| Department of Defense | $20,426 |
| Department of the Interior | $0 |
| Department of Justice | $0 |
| Small Business Administration | $0 |
That is $16,622 per covered job, against 14,012 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $232.9 m / 14,012 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,622
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 #
Livingston County, IL: 11 findings, 2 at a watch level and 9 noted
watchLivingston County, IL's typical home value of $172,343 scores 26 on the 0-to-100 scale across US counties but 65 across Illinois counties, a gap of 39 points.
Period 2026-09.Show the arithmetic
- 39 = |26 across US counties - 65 across Illinois counties|
position among the entities that published this metric this period; not an official level
watchLivingston County, IL's years of wages of 2.8 scores 17 on the 0-to-100 scale across US counties but 50 across Illinois counties, a gap of 33 points.
Period 2026-09.Show the arithmetic
- 33 = |17 across US counties - 50 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
noteLivingston County, IL's average weekly wage was 1.9% 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
- +1.9 % = 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
noteLivingston County, IL's covered employment was 1.8% 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
- +1.8 % = 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
noteLivingston County, IL's typical home value rose 0.8% from $170,955 in August 2026 to $172,343 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.8% = (172343.30086264064 - 170955.01512842753) / 170955.01512842753 × 100
- 172343.30086264064 = Zillow ZHVI, 2026-09
- 170955.01512842753 = Zillow ZHVI, 2026-08
Read all 11 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.