Morgan County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.72, -90.20.
Assembled 2026-10-19. Read the brief.
- 11th pct · 2,697th of 3,063 US counties · median $230,451
- 30th pct · 71st of 102 Illinois counties · median $158,551
- 59th pct · 1,256th of 3,062 US counties · median +2.9%
- 35th pct · 66th of 102 Illinois counties · median +5.0%
- US counties: not published this period
- Illinois counties: not published this period
- 62nd pct · 1,219th of 3,221 US counties · median 8,232
- 67th pct · 34th of 102 Illinois counties · median 7,611
- 59th pct · 1,290th of 3,221 US counties · median $1,039
- 55th pct · 45th of 102 Illinois counties · median $1,061
- 10th pct · 2,754th of 3,063 US counties · median 4.2
- 26th pct · 75th 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 $136,343 (Sep 2026), +3.6% over one year, +22.2% over five
- 11th pct · 2,697th of 3,063 US counties · median $230,451
- 30th pct · 71st of 102 Illinois counties · median $158,551
| Item | Value | Distance |
|---|---|---|
| Morgan County, IL | $136,343 · +3.6% 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 $755 a month on $136,343 at 7.40%, against an average weekly wage worth $4,710 a month: 16.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $136,343 × 80% = $109,075, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $755/mo principal and interest
- wage share = payment / (avg weekly wage $1,087 × 52 / 12 = $4,710) = 16% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $136,343 / ($1,087 × 52) = 2.4
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 #
13,487 jobs at 709 employers (2026 Q1); -5.2% jobs and +4.6% average weekly wage over the year
- 62nd pct · 1,219th of 3,221 US counties · median 8,232
- 67th pct · 34th of 102 Illinois counties · median 7,611
| Item | Value | Distance |
|---|---|---|
| Morgan County, IL | 13,487 jobs · $1,087/wk · -5.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 2,461 | $933 | 1.21 | +5.9% |
| Manufacturing | 2,287 | $1,640 | 2.11 | +0.0% |
| Retail trade | 1,870 | $643 | 1.42 | -2.3% |
| Accommodation and food services | 1,142 | $382 | 0.94 | -33.7% |
| Educational services | 589 | $576 | 2.03 | -0.5% |
| Wholesale trade | 347 | $1,615 | 0.67 | -28.5% |
| Construction | 317 | $1,079 | 0.45 | -3.4% |
| Professional and technical services | 293 | $1,350 | 0.31 | +3.2% |
| Other services | 292 | $712 | 0.72 | -4.6% |
| Administrative and waste services | 236 | $693 | 0.31 | -17.5% |
| Arts, entertainment and recreation | 170 | $317 | 0.77 | -5.0% |
| Information | 89 | $3,737 | 0.36 | -2.2% |
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 #
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 #
$1.0 bn in deposits at 18 offices of 11 banks (SOD June 2026); HHI 1,483, moderately concentrated. $218.7 m federal obligations in FY2026 (direct payments $209.2 m, grants $9.3 m), $16,219 per covered job
| Item | Value | Distance |
|---|---|---|
| Heartland Bank and Trust Company | $272.3 m · 26.8% share · 4 offices | |
| The Farmers State Bank and Trust Company | $180.2 m · 17.7% share · 2 offices | |
| U.S. Bank National Association | $112.3 m · 11.0% share · 1 office | |
| Morgan, IL | $218.7 m FY2026 · $16,219/job | |
| MULTIPLE RECIPIENTS | $196.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Heartland Bank and Trust Company | $272,338,000 | 26.8% | 4 |
| The Farmers State Bank and Trust Company | $180,185,000 | 17.7% | 2 |
| U.S. Bank National Association | $112,258,000 | 11.0% | 1 |
| Prairie State Bank and Trust | $94,137,000 | 9.3% | 2 |
| Petefish, Skiles & Co. | $83,664,000 | 8.2% | 1 |
| Community State Bank | $82,279,000 | 8.1% | 1 |
| Bank of Springfield | $71,126,000 | 7.0% | 2 |
| The First National Bank of Arenzville | $68,555,000 | 6.7% | 2 |
| Peoples Bank & Trust | $39,074,000 | 3.8% | 1 |
| Eagle Valley Bank | $10,517,000 | 1.0% | 1 |
Deposit concentration is 1,483 across 11 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 26.8² + 17.7² + 11.0² + … (8 more) = 1,483
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 | $177,384,760 |
| Department of Veterans Affairs | $18,025,304 |
| Department of Agriculture | $7,593,316 |
| Department of Transportation | $6,237,062 |
| Department of Housing and Urban Development | $4,705,585 |
| Department of Education | $2,859,716 |
| Railroad Retirement Board | $1,451,945 |
| Federal Communications Commission | $349,732 |
| Department of Health and Human Services | $101,978 |
| Department of Defense | $23,724 |
| Department of the Interior | $16,800 |
| Small Business Administration | $0 |
That is $16,219 per covered job, against 13,487 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $218.7 m / 13,487 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,219
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 #
Morgan County, IL: 8 findings, 1 at an alert level, 1 at a watch level and 6 noted
alertMorgan County, IL's covered employment is -5.2% 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 = -5.2 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchMorgan County, IL's covered employment is -5.2% 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 = -5.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteMorgan County, IL's covered employment was 5.2% 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
- -5.2 % = 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
noteMorgan County, IL's average weekly wage was 4.6% 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
- +4.6 % = 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
noteMorgan County, IL's covered employment of -5.2% ranks 98th of 102 Illinois counties, against a median of -1.0%.
Period 2026 Q1.Show the arithmetic
- 4 on the 0-to-100 scale across 102 Illinois counties that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
Read all 8 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.