Sangamon County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.76, -89.66.
Assembled 2026-10-19. Read the brief.
- 38th pct · 1,891st of 3,063 US counties · median $230,451
- 77th pct · 24th of 102 Illinois counties · median $158,551
- counties in the Springfield metro: Rank context is unavailable: the manifest lists 2 counties in the Springfield metro; fewer than 5 is too few to rank.
- 89th pct · 317th of 3,062 US counties · median +2.9%
- 77th pct · 24th of 102 Illinois counties · median +5.0%
- counties in the Springfield metro: Rank context is unavailable: the manifest lists 2 counties in the Springfield metro; fewer than 5 is too few to rank.
- 22nd pct · 1,049th of 1,358 US counties · median $1,506
- 54th pct · 15th of 32 Illinois counties · median $1,198
- counties in the Springfield metro: Rank context is unavailable: the manifest lists 2 counties in the Springfield metro; fewer than 5 is too few to rank.
- 92nd pct · 240th of 3,221 US counties · median 8,232
- 95th pct · 6th of 102 Illinois counties · median 7,611
- counties in the Springfield metro: Rank context is unavailable: the manifest lists 2 counties in the Springfield metro; fewer than 5 is too few to rank.
- 91st pct · 284th of 3,221 US counties · median $1,039
- 92nd pct · 9th of 102 Illinois counties · median $1,061
- counties in the Springfield metro: Rank context is unavailable: the manifest lists 2 counties in the Springfield metro; fewer than 5 is too few to rank.
- 14th pct · 2,627th of 3,063 US counties · median 4.2
- 42nd pct · 59th of 102 Illinois counties · median 2.8
- counties in the Springfield metro: Rank context is unavailable: the manifest lists 2 counties in the Springfield 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 $200,144 (Sep 2026), +7.5% over one year, +32.7% over five
- 38th pct · 1,891st of 3,063 US counties · median $230,451
- 77th pct · 24th of 102 Illinois counties · median $158,551
- counties in the Springfield metro: Rank context is unavailable: the manifest lists 2 counties in the Springfield metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Sangamon County, IL | $200,144 · +7.5% 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 $1,220/mo (Sep 2026), +3.8% over one year; price-to-rent 13.7
- 22nd pct · 1,049th of 1,358 US counties · median $1,506
- 54th pct · 15th of 32 Illinois counties · median $1,198
- counties in the Springfield metro: Rank context is unavailable: the manifest lists 2 counties in the Springfield metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Sangamon County, IL | $1,220/mo · +3.8% 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 $1,109 a month on $200,144 at 7.40%, against an average weekly wage worth $6,270 a month: 17.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $200,144 × 80% = $160,115, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,109/mo principal and interest
- wage share = payment / (avg weekly wage $1,447 × 52 / 12 = $6,270) = 18% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $200,144 / ($1,447 × 52) = 2.7
- price-to-rent = $200,144 / ($1,220 × 12) = 13.7
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 #
131,072 jobs at 5,040 employers (2026 Q1); +0.8% jobs and +2.9% average weekly wage over the year
- 92nd pct · 240th of 3,221 US counties · median 8,232
- 95th pct · 6th of 102 Illinois counties · median 7,611
- counties in the Springfield metro: Rank context is unavailable: the manifest lists 2 counties in the Springfield metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Sangamon County, IL | 131,072 jobs · $1,447/wk · +0.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 21,040 | $1,429 | 1.07 | -0.4% |
| Retail trade | 10,365 | $728 | 0.81 | -4.2% |
| Accommodation and food services | 8,049 | $474 | 0.68 | +6.0% |
| Other services | 4,415 | $1,083 | 1.13 | +2.6% |
| Administrative and waste services | 4,230 | $902 | 0.57 | +2.6% |
| Manufacturing | 4,224 | $1,194 | 0.40 | +13.1% |
| Professional and technical services | 4,210 | $1,677 | 0.47 | -4.5% |
| Finance and insurance | 4,083 | $2,336 | 0.76 | +0.3% |
| Construction | 3,004 | $1,464 | 0.44 | -6.4% |
| Wholesale trade | 2,964 | $1,957 | 0.59 | -1.6% |
| Transportation and warehousing | 1,807 | $1,092 | 0.33 | -0.4% |
| Educational services | 1,391 | $807 | 0.49 | -1.1% |
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 #
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 #
$9.4 bn in deposits at 75 offices of 24 banks (SOD June 2026); HHI 1,167, moderately concentrated. $3.3 bn federal obligations in FY2026 (grants $2.0 bn, direct payments $1.3 bn), $25,112 per covered job
| Item | Value | Distance |
|---|---|---|
| INB, National Association | $2.1 bn · 21.8% share · 8 offices | |
| United Community Bank | $1.6 bn · 17.0% share · 15 offices | |
| Bank of Springfield | $1.2 bn · 12.8% share · 5 offices | |
| Sangamon, IL | $3.3 bn FY2026 · $25,112/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| INB, National Association | $2,062,178,000 | 21.8% | 8 |
| United Community Bank | $1,601,156,000 | 17.0% | 15 |
| Bank of Springfield | $1,209,756,000 | 12.8% | 5 |
| JPMorgan Chase Bank, National Association | $1,005,393,000 | 10.6% | 2 |
| PNC Bank, National Association | $533,694,000 | 5.7% | 5 |
| U.S. Bank National Association | $419,451,000 | 4.4% | 4 |
| Morton Community Bank | $405,001,000 | 4.3% | 6 |
| TIB National Association | $404,099,000 | 4.3% | 1 |
| Carrollton Bank | $354,117,000 | 3.7% | 1 |
| Heartland Bank and Trust Company | $248,669,000 | 2.6% | 3 |
Deposit concentration is 1,167 across 24 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 24 banks with deposits in the county = 21.8² + 17.0² + 12.8² + … (21 more) = 1,167
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 #
That is $25,112 per covered job, against 131,072 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $3.3 bn / 131,072 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $25,112
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 #
Sangamon County, IL: 13 findings, 2 at a watch level and 11 noted
watchSangamon County, IL's typical home value of $200,144 scores 38 on the 0-to-100 scale across US counties but 77 across Illinois counties, a gap of 39 points.
Period 2026-09.Show the arithmetic
- 39 = |38 across US counties - 77 across Illinois counties|
position among the entities that published this metric this period; not an official level
watchSangamon County, IL's typical asking rent of $1,220 scores 23 on the 0-to-100 scale across US counties but 55 across Illinois counties, a gap of 32 points.
Period 2026-09.Show the arithmetic
- 32 = |23 across US counties - 55 across Illinois counties|
position among the entities that published this metric this period; not an official level
noteSangamon County, IL's average weekly wage was 2.9% 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
- +2.9 % = 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
noteSangamon County, IL's covered employment was 0.8% 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
- +0.8 % = 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
noteSangamon County, IL's typical asking rent rose 0.8% from $1,211 in August 2026 to $1,220 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +0.8% = (1220.1988304093568 - 1210.6336757761567) / 1210.6336757761567 × 100
- 1220.1988304093568 = Zillow ZORI, 2026-09
- 1210.6336757761567 = Zillow ZORI, 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.