McDonough County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.46, -90.68.
Assembled 2026-10-19. Read the brief.
- 3rd pct · 2,962nd of 3,063 US counties · median $230,451
- 6th pct · 95th of 102 Illinois counties · median $158,551
- 57th pct · 1,311th of 3,062 US counties · median +2.9%
- 31st pct · 70th of 102 Illinois counties · median +5.0%
- US counties: not published this period
- Illinois counties: not published this period
- 53rd pct · 1,486th of 3,221 US counties · median 8,232
- 57th pct · 44th of 102 Illinois counties · median 7,611
- 30th pct · 2,236th of 3,221 US counties · median $1,039
- 25th pct · 76th of 102 Illinois counties · median $1,061
- 4th pct · 2,914th of 3,063 US counties · median 4.2
- 11th pct · 90th 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 $101,292 (Sep 2026), +3.4% over one year, +10.2% over five
- 3rd pct · 2,962nd of 3,063 US counties · median $230,451
- 6th pct · 95th of 102 Illinois counties · median $158,551
| Item | Value | Distance |
|---|---|---|
| McDonough County, IL | $101,292 · +3.4% 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 $561 a month on $101,292 at 7.40%, against an average weekly wage worth $4,138 a month: 13.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $101,292 × 80% = $81,034, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $561/mo principal and interest
- wage share = payment / (avg weekly wage $955 × 52 / 12 = $4,138) = 14% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $101,292 / ($955 × 52) = 2.0
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 #
9,545 jobs at 553 employers (2026 Q1); -4.7% jobs and +0.4% average weekly wage over the year
- 53rd pct · 1,486th of 3,221 US counties · median 8,232
- 57th pct · 44th of 102 Illinois counties · median 7,611
| Item | Value | Distance |
|---|---|---|
| McDonough County, IL | 9,545 jobs · $955/wk · -4.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,380 | $1,119 | 1.80 | -12.5% |
| Retail trade | 1,047 | $626 | 1.13 | -6.6% |
| Health care and social assistance | 1,006 | $792 | 0.70 | -4.0% |
| Accommodation and food services | 960 | $421 | 1.12 | -8.9% |
| Other services | 362 | $588 | 1.27 | +23.5% |
| Construction | 218 | $1,641 | 0.44 | -17.1% |
| Wholesale trade | 217 | $1,161 | 0.59 | -4.0% |
| Finance and insurance | 192 | $1,379 | 0.49 | -1.5% |
| Agriculture, forestry, fishing | 186 | $1,123 | 2.70 | -4.1% |
| Professional and technical services | 174 | $913 | 0.26 | -0.6% |
| Administrative and waste services | 141 | $821 | 0.26 | -30.5% |
| Transportation and warehousing | 114 | $906 | 0.28 | +22.6% |
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 #
1 USGS reservoir gauges, no capacity figures to weight
Sites found: 1, 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.
| Site | Reading | Distance |
|---|---|---|
| USGS-05507820 | 1,036 Acre-ft (USGS, no capacity on file) | 126 km |
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 #
23 gauges · 0 flooding · 10 with quality panels averaging 94 % · 7 stale
Sites found: 23, 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-401934089541704 | turb. 1.00 FNU · quality 75 % (4) | 67 km |
| USGS-401934089541703 | turb. 0.10 FNU · quality 75 % (4) | 67 km |
| USGS-05584500 | flow 86.4 ft³/s | 23 km |
| USGS-05570000 | flow 1,210 ft³/s · quality 100 % (1) | 29 km |
| USGS-05570400 | temp 20.9 °C · quality 100 % (1) · STALE | 43 km |
| USGS-05569500 | flow 902.0 ft³/s · quality 100 % (1) | 44 km |
| USGS-05570380 | flow 1.10 ft³/s · STALE | 45 km |
| USGS-05570370 | flow 6.90 ft³/s · STALE | 46 km |
| USGS-05585000 | flow 156.0 ft³/s | 48 km |
| USGS-05570360 | flow 0.84 ft³/s · STALE | 49 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 #
5 wells in 0 named aquifers:
Sites found: 5, 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-401934089541701 | depth 5.18 ft · 2026-10-18 | 67 km |
| USGS-401934089541702 | depth 4.57 ft · 2026-10-18 | 67 km |
| USGS-401934089541705 | depth 4.65 ft · 2026-10-18 | 67 km |
| USGS-401934089541706 | depth 4.80 ft · 2026-10-18 | 67 km |
| USGS-401913089534501 | depth 18.9 ft · 2026-10-18 | 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 (0.02)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.06 / 0.55
Banks & federal dollars #
$894.9 m in deposits at 16 offices of 9 banks (SOD June 2026); HHI 1,500, moderately concentrated. $160.3 m federal obligations in FY2026 (direct payments $155.6 m, grants $4.6 m), $16,791 per covered job
| Item | Value | Distance |
|---|---|---|
| Morton Community Bank | $198.8 m · 22.2% share · 2 offices | |
| MidAmerica National Bank | $179.9 m · 20.1% share · 2 offices | |
| United Community Bank | $133.0 m · 14.9% share · 4 offices | |
| McDonough, IL | $160.3 m FY2026 · $16,791/job | |
| MULTIPLE RECIPIENTS | $134.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Morton Community Bank | $198,834,000 | 22.2% | 2 |
| MidAmerica National Bank | $179,942,000 | 20.1% | 2 |
| United Community Bank | $133,018,000 | 14.9% | 4 |
| Fortress Bank | $98,580,000 | 11.0% | 2 |
| First Bankers Trust Company, National Association | $95,274,000 | 10.6% | 1 |
| Farmers and Merchants State Bank of Bushnell | $77,582,000 | 8.7% | 2 |
| State Bank of Industry | $55,575,000 | 6.2% | 1 |
| Raritan State Bank | $50,978,000 | 5.7% | 1 |
| Woodforest National Bank | $5,137,000 | 0.6% | 1 |
Deposit concentration is 1,500 across 9 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 22.2² + 20.1² + 14.9² + … (6 more) = 1,500
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 | $118,627,958 |
| Department of Veterans Affairs | $15,165,667 |
| Department of Education | $10,440,804 |
| Department of Agriculture | $8,875,828 |
| Department of Housing and Urban Development | $3,434,558 |
| Department of Transportation | $1,512,368 |
| Department of Health and Human Services | $967,197 |
| Railroad Retirement Board | $949,825 |
| Institute of Museum and Library Services | $249,694 |
| Federal Communications Commission | $50,381 |
| Department of Justice | $0 |
That is $16,791 per covered job, against 9,545 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $160.3 m / 9,545 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,791
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 #
McDonough County, IL: 14 findings, 1 at an alert level, 1 at a watch level and 12 noted
alertMcDonough County, IL's covered employment is -4.7% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, 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 = -4.7 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchMcDonough County, IL's covered employment is -4.7% 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 = -4.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteMcDonough County, IL's covered employment was 4.7% lower 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
- -4.7 % = 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
noteMcDonough County, IL's typical home value rose 1.0% from $100,289 in August 2026 to $101,292 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +1.0% = (101292.23718068424 - 100289.07631377703) / 100289.07631377703 × 100
- 101292.23718068424 = Zillow ZHVI, 2026-09
- 100289.07631377703 = Zillow ZHVI, 2026-08
noteMcDonough County, IL's average weekly wage was 0.4% 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
- +0.4 % = 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
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.