Madison County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.83, -89.90.
Assembled 2026-10-19. Read the brief.
- 37th pct · 1,921st of 3,063 US counties · median $230,451
- 75th pct · 26th of 102 Illinois counties · median $158,551
- 28th pct · 11th of 15 counties in the St. Louis metro · median $225,207
- 76th pct · 720th of 3,062 US counties · median +2.9%
- 52nd pct · 49th of 102 Illinois counties · median +5.0%
- 71st pct · 5th of 15 counties in the St. Louis metro · median +3.9%
- 20th pct · 1,075th of 1,358 US counties · median $1,506
- 48th pct · 17th of 32 Illinois counties · median $1,198
- 11th pct · 9th of 10 counties in the St. Louis metro · median $1,310
- 91st pct · 280th of 3,221 US counties · median 8,232
- 93rd pct · 8th of 102 Illinois counties · median 7,611
- 78th pct · 4th of 15 counties in the St. Louis metro · median 12,995
- 75th pct · 783rd of 3,221 US counties · median $1,039
- 79th pct · 22nd of 102 Illinois counties · median $1,061
- 78th pct · 4th of 15 counties in the St. Louis metro · median $1,033
- 25th pct · 2,287th of 3,063 US counties · median 4.2
- 65th pct · 36th of 102 Illinois counties · median 2.8
- 28th pct · 11th 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 $197,597 (Sep 2026), +5.3% over one year, +31.7% over five
- 37th pct · 1,921st of 3,063 US counties · median $230,451
- 75th pct · 26th of 102 Illinois counties · median $158,551
- 28th pct · 11th of 15 counties in the St. Louis metro · median $225,207
| Item | Value | Distance |
|---|---|---|
| Madison County, IL | $197,597 · +5.3% 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 #
Typical rent $1,196/mo (Sep 2026), +4.1% over one year; price-to-rent 13.8
- 20th pct · 1,075th of 1,358 US counties · median $1,506
- 48th pct · 17th of 32 Illinois counties · median $1,198
- 11th pct · 9th of 10 counties in the St. Louis metro · median $1,310
| Item | Value | Distance |
|---|---|---|
| Madison County, IL | $1,196/mo · +4.1% 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 $1,094 a month on $197,597 at 7.40%, against an average weekly wage worth $5,187 a month: 21.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $197,597 × 80% = $158,078, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,094/mo principal and interest
- wage share = payment / (avg weekly wage $1,197 × 52 / 12 = $5,187) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $197,597 / ($1,197 × 52) = 3.2
- price-to-rent = $197,597 / ($1,196 × 12) = 13.8
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 #
108,335 jobs at 5,478 employers (2026 Q1); +2.4% jobs and +3.5% average weekly wage over the year
- 91st pct · 280th of 3,221 US counties · median 8,232
- 93rd pct · 8th of 102 Illinois counties · median 7,611
- 78th pct · 4th of 15 counties in the St. Louis metro · median 12,995
| Item | Value | Distance |
|---|---|---|
| Madison County, IL | 108,335 jobs · $1,197/wk · +2.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 16,411 | $1,207 | 1.01 | +5.3% |
| Retail trade | 11,956 | $737 | 1.13 | -3.0% |
| Accommodation and food services | 11,127 | $450 | 1.14 | +0.1% |
| Manufacturing | 10,538 | $1,968 | 1.21 | +13.0% |
| Transportation and warehousing | 8,623 | $1,113 | 1.89 | -28.2% |
| Professional and technical services | 8,018 | $1,511 | 1.07 | +80.0% |
| Construction | 7,146 | $1,637 | 1.26 | +6.4% |
| Administrative and waste services | 4,975 | $921 | 0.81 | +9.7% |
| Other services | 3,496 | $777 | 1.08 | +0.3% |
| Wholesale trade | 2,885 | $1,539 | 0.70 | -4.2% |
| Finance and insurance | 2,865 | $1,776 | 0.65 | -2.5% |
| Arts, entertainment and recreation | 1,574 | $633 | 0.88 | +3.1% |
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 #
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 #
90 gauges · 0 flooding · 2 with quality panels averaging 95 % · 15 stale
Sites found: 90, 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 |
|---|---|---|
| CAHOKIA CREEK AT EDWARDSVILLE, IL | flow 1.51 ft³/s | 6 km |
| JUDYS BRANCH AT OAK LAWN EST AT GLEN CARBON, IL | flow 0.07 ft³/s · STALE | 8 km |
| INDIAN CREEK AT WANDA, IL | flow 0.45 ft³/s | 12 km |
| JUDYS BRANCH AT RTE 157 AT GLEN CARBON, IL | flow 0.17 ft³/s · STALE | 13 km |
| SILVER CREEK NEAR TROY, IL | flow 3.32 ft³/s | 14 km |
| Mississippi River at Mel Price (Alton) Lock and Dam | no flooding | 22 km |
| Mississippi River Pool Lock and Dam 26 at Alton,IL | stage 18.0 ft · quality 90 % (5) · no flooding | 25 km |
| Watkins Creek at Bellefontaine Neighbors, MO | flow 0.90 ft³/s · STALE | 27 km |
| Spanish Lake Trib. nr Black Jack, MO | flow 0.10 ft³/s | 27 km |
| Watkins Ck at Belgrove Dr, Bellefontaine Neighbors | stage 3.00 ft | 28 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 #
8 wells in 3 named aquifers: Ozark Plateaus aquifer system, Mississippi River Valley alluvial aquifer, Cambrian-Ordovician aquifer system
Sites found: 8, 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-384659090003701 | depth 35.9 ft · 2012-10-24 | 11 km |
| Mississippi River Valley alluvial aquifer | depth 19.7 ft · 2026-10-18 | 22 km |
| USGS-384312090064701 | depth 14.1 ft · 2015-09-15 | 22 km |
| USGS-384312090064703 | depth 14.4 ft · 2015-09-29 | 22 km |
| USGS-383048089263201 | depth 4.82 ft · 2024-06-27 | 53 km |
| Cambrian-Ordovician aquifer system | depth 98.8 ft · 2026-10-18 | 63 km |
| Ozark Plateaus aquifer system | depth 198.4 ft · 2026-10-18 | 74 km |
| Ozark Plateaus aquifer system | depth 113.7 ft · 2026-10-18 | 74 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 (0.18)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.05 / 0.55
Banks & federal dollars #
$6.7 bn in deposits at 77 offices of 23 banks (SOD June 2026); HHI 1,093, moderately concentrated. $1.8 bn federal obligations in FY2026 (direct payments $1.7 bn, grants $69.0 m), $16,298 per covered job
| Item | Value | Distance |
|---|---|---|
| FCB Banks | $1.3 bn · 19.7% share · 9 offices | |
| Busey Bank | $1.2 bn · 17.3% share · 9 offices | |
| First Mid Bank & Trust, National Association | $753.2 m · 11.2% share · 5 offices | |
| Madison, IL | $1.8 bn FY2026 · $16,298/job | |
| MULTIPLE RECIPIENTS | $1.6 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| FCB Banks | $1,319,088,000 | 19.7% | 9 |
| Busey Bank | $1,163,182,000 | 17.3% | 9 |
| First Mid Bank & Trust, National Association | $753,230,000 | 11.2% | 5 |
| U.S. Bank National Association | $671,805,000 | 10.0% | 7 |
| Regions Bank | $544,919,000 | 8.1% | 10 |
| Carrollton Bank | $393,934,000 | 5.9% | 3 |
| United Community Bank | $360,472,000 | 5.4% | 4 |
| Associated Bank, National Association | $300,341,000 | 4.5% | 2 |
| The Bradford National Bank of Greenville | $213,508,000 | 3.2% | 4 |
| Constitution Bank, National Association | $139,148,000 | 2.1% | 6 |
Deposit concentration is 1,093 across 23 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 23 banks with deposits in the county = 19.7² + 17.3² + 11.2² + … (20 more) = 1,093
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 | $1,370,419,000 |
| Department of Veterans Affairs | $214,053,453 |
| Department of Transportation | $43,407,204 |
| Department of Education | $31,193,116 |
| Railroad Retirement Board | $23,768,252 |
| Department of Housing and Urban Development | $20,495,804 |
| Department of Health and Human Services | $20,007,539 |
| Department of Defense | $19,278,512 |
| Department of Agriculture | $9,189,028 |
| Federal Communications Commission | $4,547,848 |
| Department of Homeland Security | $4,304,101 |
| Department of Justice | $2,278,946 |
That is $16,298 per covered job, against 108,335 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.8 bn / 108,335 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,298
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 #
Madison County, IL: 14 findings, 2 at a watch level and 12 noted
watchMadison County, IL's years of wages of 3.2 scores 25 on the 0-to-100 scale across US counties but 65 across Illinois counties, a gap of 40 points.
Period 2026-09.Show the arithmetic
- 40 = |25 across US counties - 65 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
watchMadison County, IL's typical home value of $197,597 scores 37 on the 0-to-100 scale across US counties but 75 across Illinois counties, a gap of 38 points.
Period 2026-09.Show the arithmetic
- 38 = |37 across US counties - 75 across Illinois counties|
position among the entities that published this metric this period; not an official level
noteMadison County, IL's average weekly wage was 3.5% 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
- +3.5 % = 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
noteMadison County, IL's covered employment was 2.4% 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
- +2.4 % = 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
noteMadison County, IL's typical home value rose 0.4% from $196,880 in August 2026 to $197,597 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.4% = (197597.1996342976 - 196879.99887504816) / 196879.99887504816 × 100
- 197597.1996342976 = Zillow ZHVI, 2026-09
- 196879.99887504816 = Zillow ZHVI, 2026-08
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.