Vermilion County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.19, -87.73.
Assembled 2026-10-20. Read the brief.
- 3rd pct · 2,961st of 3,063 US counties · median $230,451
- 7th pct · 94th of 102 Illinois counties · median $158,551
- 52nd pct · 1,455th of 3,062 US counties · median +2.9%
- 24th pct · 77th of 102 Illinois counties · median +5.0%
- 2nd pct · 1,318th of 1,358 US counties · median $1,506
- 9th pct · 29th of 32 Illinois counties · median $1,198
- 75th pct · 800th of 3,221 US counties · median 8,232
- 77th pct · 24th of 102 Illinois counties · median 7,611
- 67th pct · 1,051st of 3,221 US counties · median $1,039
- 67th pct · 33rd of 102 Illinois counties · median $1,061
- 2nd pct · 3,001st of 3,063 US counties · median 4.2
- 3rd pct · 98th 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 $101,321 (Sep 2026), +3.0% over one year, +18.5% over five
- 3rd pct · 2,961st of 3,063 US counties · median $230,451
- 7th pct · 94th of 102 Illinois counties · median $158,551
| Item | Value | Distance |
|---|---|---|
| Vermilion County, IL | $101,321 · +3.0% 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 $886/mo (Sep 2026), +1.9% over one year; price-to-rent 9.5
- 2nd pct · 1,318th of 1,358 US counties · median $1,506
- 9th pct · 29th of 32 Illinois counties · median $1,198
| Item | Value | Distance |
|---|---|---|
| Vermilion County, IL | $886/mo · +1.9% 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 $561 a month on $101,321 at 7.40%, against an average weekly wage worth $4,888 a month: 11.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $101,321 × 80% = $81,057, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $561/mo principal and interest
- wage share = payment / (avg weekly wage $1,128 × 52 / 12 = $4,888) = 11% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $101,321 / ($1,128 × 52) = 1.7
- price-to-rent = $101,321 / ($886 × 12) = 9.5
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 #
25,079 jobs at 1,274 employers (2026 Q1); +0.1% jobs and +0.3% average weekly wage over the year
- 75th pct · 800th of 3,221 US counties · median 8,232
- 77th pct · 24th of 102 Illinois counties · median 7,611
| Item | Value | Distance |
|---|---|---|
| Vermilion County, IL | 25,079 jobs · $1,128/wk · +0.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 3,679 | $1,346 | 1.82 | +1.8% |
| Health care and social assistance | 3,235 | $1,021 | 0.86 | +8.5% |
| Retail trade | 2,997 | $645 | 1.23 | +4.5% |
| Accommodation and food services | 2,186 | $388 | 0.97 | +6.7% |
| Wholesale trade | 1,755 | $1,645 | 1.83 | -10.2% |
| Transportation and warehousing | 1,294 | $954 | 1.22 | -3.6% |
| Finance and insurance | 1,142 | $1,953 | 1.12 | -3.5% |
| Administrative and waste services | 802 | $2,349 | 0.56 | +1.3% |
| Other services | 618 | $777 | 0.82 | -20.4% |
| Construction | 510 | $1,170 | 0.39 | -0.8% |
| Arts, entertainment and recreation | 390 | $656 | 0.94 | -3.0% |
| Educational services | 226 | $776 | 0.42 | +3.2% |
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 #
$1.5 bn in deposits at 25 offices of 14 banks (SOD June 2026); HHI 1,597, moderately concentrated. $499.2 m federal obligations in FY2026 (direct payments $457.4 m, contracts $24.7 m), $19,904 per covered job
| Item | Value | Distance |
|---|---|---|
| Servbank, National Association | $367.5 m · 24.5% share · 2 offices | |
| Old National Bank | $327.3 m · 21.8% share · 2 offices | |
| First Financial Bank, National Association | $259.3 m · 17.3% share · 5 offices | |
| Vermilion, IL | $499.2 m FY2026 · $19,904/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Servbank, National Association | $367,485,000 | 24.5% | 2 |
| Old National Bank | $327,259,000 | 21.8% | 2 |
| First Financial Bank, National Association | $259,289,000 | 17.3% | 5 |
| First Farmers Bank & Trust Co. | $148,158,000 | 9.9% | 2 |
| Longview Bank | $125,278,000 | 8.3% | 3 |
| The Fisher National Bank | $93,833,000 | 6.2% | 3 |
| Bank of Rantoul | $36,224,000 | 2.4% | 1 |
| First Financial Bank | $31,508,000 | 2.1% | 1 |
| Philo Exchange Bank | $28,863,000 | 1.9% | 1 |
| INB, National Association | $22,796,000 | 1.5% | 1 |
Deposit concentration is 1,597 across 14 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 14 banks with deposits in the county = 24.5² + 21.8² + 17.3² + … (11 more) = 1,597
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 $19,904 per covered job, against 25,079 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $499.2 m / 25,079 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,904
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 | 17.40 | 2026-10-19 | -3.1% |
| 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 | 2026-10-20 | +0.0% |
| Laredo truck crossings, monthly · trucks | 255,129.00 | 2026-09-01 | -1.4% |
| 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 | 1,221.00 | 2026-09-01 | -5.2% |
| Building permits, annual rate · thousands of units | 1,400.00 | 2026-09-01 | -0.2% |
| 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 #
Vermilion County, IL: 15 findings, 15 noted
noteVermilion County, IL's typical home value rose 0.7% from $100,568 in August 2026 to $101,321 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.7% = (101321.17494608932 - 100567.923495348) / 100567.923495348 × 100
- 101321.17494608932 = Zillow ZHVI, 2026-09
- 100567.923495348 = Zillow ZHVI, 2026-08
noteVermilion County, IL's typical asking rent rose 0.6% from $880 in August 2026 to $886 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +0.6% = (886.0708041958042 - 880.4096941077686) / 880.4096941077686 × 100
- 886.0708041958042 = Zillow ZORI, 2026-09
- 880.4096941077686 = Zillow ZORI, 2026-08
noteVermilion County, IL's average weekly wage was 0.3% 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
- +0.3 % = 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
noteVermilion County, IL's covered employment was 0.1% 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
- +0.1 % = 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
noteVermilion County, IL's price-to-rent ratio of 9.5 ranks 32nd of 32 Illinois counties, against a median of 14.2.
Period 2026-09.Show the arithmetic
- 0 on the 0-to-100 scale across 32 Illinois counties that published priceToRent
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
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.