Macon County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.86, -88.96.
Assembled 2026-10-19. Read the brief.
- 8th pct · 2,806th of 3,063 US counties · median $230,451
- 25th pct · 76th of 102 Illinois counties · median $158,551
- counties in the Decatur metro: Rank context is unavailable: the manifest lists 1 counties in the Decatur metro; fewer than 5 is too few to rank.
- 66th pct · 1,039th of 3,062 US counties · median +2.9%
- 41st pct · 60th of 102 Illinois counties · median +5.0%
- counties in the Decatur metro: Rank context is unavailable: the manifest lists 1 counties in the Decatur metro; fewer than 5 is too few to rank.
- 10th pct · 1,209th of 1,358 US counties · median $1,506
- 29th pct · 23rd of 32 Illinois counties · median $1,198
- counties in the Decatur metro: Rank context is unavailable: the manifest lists 1 counties in the Decatur metro; fewer than 5 is too few to rank.
- 82nd pct · 560th of 3,221 US counties · median 8,232
- 85th pct · 16th of 102 Illinois counties · median 7,611
- counties in the Decatur metro: Rank context is unavailable: the manifest lists 1 counties in the Decatur metro; fewer than 5 is too few to rank.
- 94th pct · 194th of 3,221 US counties · median $1,039
- 96th pct · 5th of 102 Illinois counties · median $1,061
- counties in the Decatur metro: Rank context is unavailable: the manifest lists 1 counties in the Decatur metro; fewer than 5 is too few to rank.
- 1st pct · 3,026th of 3,063 US counties · median 4.2
- 0th pct · 101st of 102 Illinois counties · median 2.8
- counties in the Decatur metro: Rank context is unavailable: the manifest lists 1 counties in the Decatur 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 $124,658 (Sep 2026), +4.2% over one year, +29.7% over five
- 8th pct · 2,806th of 3,063 US counties · median $230,451
- 25th pct · 76th of 102 Illinois counties · median $158,551
- counties in the Decatur metro: Rank context is unavailable: the manifest lists 1 counties in the Decatur metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Macon County, IL | $124,658 · +4.2% 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 $1,059/mo (Sep 2026), +5.1% over one year; price-to-rent 9.8
- 10th pct · 1,209th of 1,358 US counties · median $1,506
- 29th pct · 23rd of 32 Illinois counties · median $1,198
- counties in the Decatur metro: Rank context is unavailable: the manifest lists 1 counties in the Decatur metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Macon County, IL | $1,059/mo · +5.1% 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 $690 a month on $124,658 at 7.40%, against an average weekly wage worth $6,756 a month: 10.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $124,658 × 80% = $99,726, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $690/mo principal and interest
- wage share = payment / (avg weekly wage $1,559 × 52 / 12 = $6,756) = 10% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $124,658 / ($1,559 × 52) = 1.5
- price-to-rent = $124,658 / ($1,059 × 12) = 9.8
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 #
44,935 jobs at 1,940 employers (2026 Q1); -0.2% jobs and +8.2% average weekly wage over the year
- 82nd pct · 560th of 3,221 US counties · median 8,232
- 85th pct · 16th of 102 Illinois counties · median 7,611
- counties in the Decatur metro: Rank context is unavailable: the manifest lists 1 counties in the Decatur metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Macon County, IL | 44,935 jobs · $1,559/wk · -0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 11,005 | $2,875 | 3.04 | +2.6% |
| Health care and social assistance | 6,494 | $1,128 | 0.96 | +5.4% |
| Retail trade | 4,277 | $692 | 0.98 | -6.1% |
| Construction | 3,878 | $1,584 | 1.65 | +3.8% |
| Accommodation and food services | 3,616 | $439 | 0.90 | +3.8% |
| Transportation and warehousing | 2,182 | $1,421 | 1.15 | -8.4% |
| Finance and insurance | 1,156 | $2,248 | 0.63 | -10.4% |
| Other services | 1,111 | $776 | 0.83 | -4.6% |
| Professional and technical services | 1,045 | $1,310 | 0.34 | -10.1% |
| Educational services | 761 | $839 | 0.79 | -1.2% |
| Administrative and waste services | 747 | $1,004 | 0.29 | -9.5% |
| Arts, entertainment and recreation | 409 | $364 | 0.55 | +9.4% |
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 #
$2.3 bn in deposits at 34 offices of 13 banks (SOD June 2026); HHI 1,466, moderately concentrated. $696.1 m federal obligations in FY2026 (direct payments $668.2 m, grants $27.4 m), $15,492 per covered job
| Item | Value | Distance |
|---|---|---|
| Busey Bank | $500.6 m · 21.5% share · 3 offices | |
| Hickory Point Bank and Trust | $468.8 m · 20.1% share · 6 offices | |
| First Mid Bank & Trust, National Association | $414.0 m · 17.8% share · 4 offices | |
| Macon, IL | $696.1 m FY2026 · $15,492/job | |
| MULTIPLE RECIPIENTS | $627.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Busey Bank | $500,565,000 | 21.5% | 3 |
| Hickory Point Bank and Trust | $468,819,000 | 20.1% | 6 |
| First Mid Bank & Trust, National Association | $413,993,000 | 17.8% | 4 |
| Regions Bank | $283,064,000 | 12.2% | 3 |
| PNC Bank, National Association | $160,342,000 | 6.9% | 1 |
| Prairie State Bank and Trust | $129,824,000 | 5.6% | 3 |
| First National Bank of Pana | $113,469,000 | 4.9% | 3 |
| Scott State Bank | $87,484,000 | 3.8% | 4 |
| The Gerber State Bank | $78,055,000 | 3.4% | 2 |
| Heartland Bank and Trust Company | $37,059,000 | 1.6% | 1 |
Deposit concentration is 1,466 across 13 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 13 banks with deposits in the county = 21.5² + 20.1² + 17.8² + … (10 more) = 1,466
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 | $554,011,658 |
| Department of Veterans Affairs | $55,425,353 |
| Department of Housing and Urban Development | $21,038,722 |
| Railroad Retirement Board | $17,703,781 |
| Department of Transportation | $16,535,145 |
| Department of Health and Human Services | $11,792,177 |
| Department of Agriculture | $11,162,789 |
| Department of Education | $6,067,632 |
| Federal Communications Commission | $2,078,159 |
| Department of Defense | $299,636 |
| National Aeronautics and Space Administration | $43,285 |
| Small Business Administration | $0 |
That is $15,492 per covered job, against 44,935 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $696.1 m / 44,935 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,492
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 #
Macon County, IL: 15 findings, 1 at a watch level and 14 noted
watchMacon County, IL's covered employment is -0.2% 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 = -0.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteMacon County, IL's average weekly wage was 8.2% 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
- +8.2 % = 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
noteMacon County, IL's typical asking rent rose 1.9% from $1,039 in August 2026 to $1,059 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +1.9% = (1058.7222222222224 - 1039.1396757632904) / 1039.1396757632904 × 100
- 1058.7222222222224 = Zillow ZORI, 2026-09
- 1039.1396757632904 = Zillow ZORI, 2026-08
noteMacon County, IL's typical home value fell 0.6% from $125,353 in August 2026 to $124,658 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -0.6% = (124657.65001448455 - 125352.6259599983) / 125352.6259599983 × 100
- 124657.65001448455 = Zillow ZHVI, 2026-09
- 125352.6259599983 = Zillow ZHVI, 2026-08
noteMacon County, IL's covered employment was 0.2% 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
- -0.2 % = 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.