Richland County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.71, -88.09.
Assembled 2026-10-19. Read the brief.
- 13th pct · 2,647th of 3,063 US counties · median $230,451
- 34th pct · 67th of 102 Illinois counties · median $158,551
- 93rd pct · 195th of 3,062 US counties · median +2.9%
- 86th pct · 15th of 102 Illinois counties · median +5.0%
- US counties: not published this period
- Illinois counties: not published this period
- 40th pct · 1,916th of 3,221 US counties · median 8,232
- 42nd pct · 59th of 102 Illinois counties · median 7,611
- 45th pct · 1,764th of 3,221 US counties · median $1,039
- 36th pct · 65th of 102 Illinois counties · median $1,061
- 14th pct · 2,623rd of 3,063 US counties · median 4.2
- 43rd pct · 58th 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 $140,972 (Sep 2026), +8.6% over one year, +19.8% over five
- 13th pct · 2,647th of 3,063 US counties · median $230,451
- 34th pct · 67th of 102 Illinois counties · median $158,551
| Item | Value | Distance |
|---|---|---|
| Richland County, IL | $140,972 · +8.6% 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 $781 a month on $140,972 at 7.40%, against an average weekly wage worth $4,411 a month: 17.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $140,972 × 80% = $112,777, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $781/mo principal and interest
- wage share = payment / (avg weekly wage $1,018 × 52 / 12 = $4,411) = 18% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $140,972 / ($1,018 × 52) = 2.7
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 #
5,635 jobs at 376 employers (2026 Q1); -2.4% jobs and +2.5% average weekly wage over the year
- 40th pct · 1,916th of 3,221 US counties · median 8,232
- 42nd pct · 59th of 102 Illinois counties · median 7,611
| Item | Value | Distance |
|---|---|---|
| Richland County, IL | 5,635 jobs · $1,018/wk · -2.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Transportation and warehousing | 1,239 | $1,086 | 5.22 | -0.8% |
| Health care and social assistance | 930 | $1,362 | 1.10 | -0.9% |
| Retail trade | 684 | $657 | 1.25 | -3.7% |
| Accommodation and food services | 449 | $357 | 0.89 | -11.6% |
| Manufacturing | 365 | $1,042 | 0.81 | +6.1% |
| Other services | 139 | $687 | 0.83 | -17.8% |
| Construction | 121 | $848 | 0.41 | -2.4% |
| Mining, oil and gas | 85 | $1,394 | 4.24 | +0.0% |
| Educational services | 52 | $564 | 0.43 | -22.4% |
| Professional and technical services | 46 | $842 | 0.12 | -11.5% |
| Agriculture, forestry, fishing | 40 | $652 | 0.98 | +0.0% |
| Administrative and waste services | 34 | $426 | 0.11 | +6.2% |
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 #
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 #
27 gauges · 0 flooding · 6 with quality panels averaging 87 % · 2 stale
Sites found: 27, 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 |
|---|---|---|
| EMBARRAS RIVER AT LAWRENCEVILLE, IL | flow 77.8 ft³/s · quality 80 % (5) · no flooding | 37 km |
| LITTLE WABASH RIVER BELOW CLAY CITY, IL | flow 106.0 ft³/s · no flooding | 20 km |
| EMBARRAS RIVER AT STE. MARIE, IL | flow 52.3 ft³/s · no flooding | 26 km |
| Embarras River (IL) at Newton | no readings | 32 km |
| NORTH FORK EMBARRAS RIVER NEAR OBLONG, IL | flow 5.45 ft³/s · no flooding | 35 km |
| BONPAS CREEK AT BROWNS, IL | flow 1.61 ft³/s | 37 km |
| LITTLE WABASH RIVER NEAR GOLDEN GATE, IL | stage 4.84 ft | 40 km |
| WABASH RIVER AT MT. CARMEL, IL | flow 9,250 ft³/s · no flooding | 45 km |
| WABASH RIVER AT MEMORIAL BRIDGE AT VINCENNES, IN | flow 5,920 ft³/s · no flooding | 48 km |
| WHITE RIVER AT HAZLETON, IN | flow 2,690 ft³/s · quality 100 % (5) · no flooding | 53 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 #
6 wells in 0 named aquifers:
Sites found: 6, 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-383247087361001 | depth 11.2 ft · 2026-10-18 | 46 km |
| USGS-390758087363301 | depth 2.60 ft · 2026-07-29 | 62 km |
| USGS-384951087202501 | depth 14.4 ft · 2026-10-18 | 66 km |
| USGS-380758087551001 | depth 18.0 ft · 2026-10-18 | 66 km |
| USGS-391350087385301 | depth 24.0 ft · 2017-01-05 | 69 km |
| USGS-384047087142702 | depth 9.81 ft · 2025-06-03 | 73 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 (0.21)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.13 / 0.55
Banks & federal dollars #
$643.8 m in deposits at 6 offices of 4 banks (SOD June 2026); HHI 3,812, highly concentrated. $108.6 m federal obligations in FY2026 (direct payments $99.4 m, grants $9.1 m), $19,265 per covered job
| Item | Value | Distance |
|---|---|---|
| TrustBank | $290.9 m · 45.2% share · 2 offices | |
| First National Bank in Olney | $263.4 m · 40.9% share · 2 offices | |
| First Financial Bank, National Association | $47.9 m · 7.4% share · 1 office | |
| Richland, IL | $108.6 m FY2026 · $19,265/job | |
| MULTIPLE RECIPIENTS | $88.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| TrustBank | $290,899,000 | 45.2% | 2 |
| First National Bank in Olney | $263,365,000 | 40.9% | 2 |
| First Financial Bank, National Association | $47,910,000 | 7.4% | 1 |
| Citizens National Bank of Albion | $41,652,000 | 6.5% | 1 |
Deposit concentration is 3,812 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 45.2² + 40.9² + 7.4² + … (1 more) = 3,812
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 | $79,887,623 |
| Department of Veterans Affairs | $7,934,864 |
| Department of Transportation | $7,381,947 |
| Department of Education | $6,761,345 |
| Department of Agriculture | $5,008,944 |
| Department of Housing and Urban Development | $917,858 |
| Railroad Retirement Board | $541,597 |
| Federal Communications Commission | $86,760 |
| Department of Health and Human Services | $40,000 |
That is $19,265 per covered job, against 5,635 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $108.6 m / 5,635 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,265
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 #
Richland County, IL: 6 findings, 1 at a watch level and 5 noted
watchRichland County, IL's covered employment is -2.4% 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 = -2.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteRichland County, IL's average weekly wage was 2.5% 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
- +2.5 % = 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
noteRichland County, IL's covered employment was 2.4% 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
- -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
noteRichland County, IL's typical home value of +8.6% ranks 195th of 3,062 US counties, against a median of +2.9%.
Period 2026-09.Show the arithmetic
- 94 on the 0-to-100 scale across 3062 US counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Richland County, IL is due between 2026-10-30 and 2026-11-13, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-30 to 2026-11-13, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Read all 6 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.