Adams County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.99, -91.19.
Assembled 2026-10-06. Read the brief.
- 31st pct · 2,088th of 3,063 US counties · median $234,566
- 69th pct · 32nd of 102 Illinois counties · median $158,585
- 83rd pct · 495th of 3,063 US counties · median +2.9%
- 68th pct · 33rd of 102 Illinois counties · median +5.2%
- 16th pct · 1,165th of 1,399 US counties · median $1,496
- 39th pct · 21st of 34 Illinois counties · median $1,181
- 78th pct · 690th of 3,221 US counties · median 8,232
- 81st pct · 20th of 102 Illinois counties · median 7,611
- 64th pct · 1,156th of 3,221 US counties · median $1,039
- 63rd pct · 38th of 102 Illinois counties · median $1,061
- 26th pct · 2,253rd of 3,063 US counties · median 4.3
- 66th pct · 35th 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 $188,137 (Aug 2026), +6.6% over one year, +16.3% over five
- 31st pct · 2,088th of 3,063 US counties · median $234,566
- 69th pct · 32nd of 102 Illinois counties · median $158,585
| Item | Value | Distance |
|---|---|---|
| Adams County, IL | $188,137 · +6.6% 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 #
Typical rent $1,126/mo (Aug 2026), +11.0% over one year; price-to-rent 13.9
- 16th pct · 1,165th of 1,399 US counties · median $1,496
- 39th pct · 21st of 34 Illinois counties · median $1,181
| Item | Value | Distance |
|---|---|---|
| Adams County, IL | $1,126/mo · +11.0% 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 $1,030 a month on $188,137 at 7.28%, against an average weekly wage worth $4,810 a month: 21.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $188,137 × 80% = $150,510, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,030/mo principal and interest
- wage share = payment / (avg weekly wage $1,110 × 52 / 12 = $4,810) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $188,137 / ($1,110 × 52) = 3.3
- price-to-rent = $188,137 / ($1,126 × 12) = 13.9
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 #
32,754 jobs at 1,752 employers (2026 Q1); +1.7% jobs and +3.9% average weekly wage over the year
- 78th pct · 690th of 3,221 US counties · median 8,232
- 81st pct · 20th of 102 Illinois counties · median 7,611
| Item | Value | Distance |
|---|---|---|
| Adams County, IL | 32,754 jobs · $1,110/wk · +1.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 6,723 | $1,368 | 1.36 | +0.4% |
| Manufacturing | 4,278 | $1,381 | 1.62 | -2.8% |
| Retail trade | 3,949 | $703 | 1.24 | -2.7% |
| Accommodation and food services | 2,682 | $422 | 0.91 | -1.9% |
| Wholesale trade | 1,759 | $1,284 | 1.40 | -4.3% |
| Finance and insurance | 1,528 | $1,783 | 1.14 | -1.0% |
| Administrative and waste services | 1,520 | $1,231 | 0.82 | +107.9% |
| Construction | 1,216 | $1,113 | 0.71 | +0.0% |
| Other services | 1,112 | $753 | 1.14 | +0.0% |
| Transportation and warehousing | 957 | $1,094 | 0.69 | -10.1% |
| Educational services | 632 | $658 | 0.90 | +1.8% |
| Professional and technical services | 609 | $1,318 | 0.27 | +0.0% |
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 #
$2.3 bn in deposits at 33 offices of 13 banks (SOD June 2026); HHI 1,882, highly concentrated. $476.4 m federal obligations in FY2026 (direct payments $424.8 m, grants $51.2 m), $14,545 per covered job
| Item | Value | Distance |
|---|---|---|
| First Bankers Trust Company, National Association | $745.0 m · 32.7% share · 5 offices | |
| United Community Bank | $476.1 m · 20.9% share · 6 offices | |
| State Street Bank and Trust Company | $315.5 m · 13.8% share · 3 offices | |
| Adams, IL | $476.4 m FY2026 · $14,545/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Bankers Trust Company, National Association | $745,019,000 | 32.7% | 5 |
| United Community Bank | $476,097,000 | 20.9% | 6 |
| State Street Bank and Trust Company | $315,493,000 | 13.8% | 3 |
| HomeBank | $190,349,000 | 8.4% | 2 |
| Liberty Bank | $153,766,000 | 6.7% | 5 |
| Town & Country Bank Midwest | $148,466,000 | 6.5% | 3 |
| Bank of Springfield | $75,641,000 | 3.3% | 2 |
| Central State Bank | $63,969,000 | 2.8% | 2 |
| Heartland Bank and Trust Company | $50,107,000 | 2.2% | 1 |
| First Mid Bank & Trust, National Association | $39,899,000 | 1.8% | 1 |
Deposit concentration is 1,882 across 13 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 13 banks with deposits in the county = 32.7² + 20.9² + 13.8² + … (10 more) = 1,882
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 $14,545 per covered job, against 32,754 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $476.4 m / 32,754 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,545
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 | 12.28 | 2026-10-04 | -0.1% |
| 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 · % | 72.60 | 2026-10-05 | +0.1% |
| 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 | 6.00 | 2026-09-22 | -14.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 6,830.00 | 2026-08-01 | +7.4% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 96.16 | 2026-09-29 | -3.2% |
| 30-year fixed mortgage rate · % | 7.28 | 2026-10-01 | +3.6% |
| 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 | -88,576.00 | 2026-07-01 | -24.4% |
| Retail sales excluding food services, monthly · $ millions | 646,347.00 | 2026-08-01 | +1.1% |
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 #
Adams County, IL: 11 findings, 3 at a watch level and 8 noted
watchAdams County, IL's typical asking rent is +11.0% against a year earlier, a watch level here: typical asking rent at least 8 percent above a year ago (arithmetic on Zillow ZORI; 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 2026-08.Show the arithmetic
- test: rent.yoyPct = 10.99138534765024 >= 8
arithmetic on Zillow ZORI; convention chosen for this dashboard, not an official level
watchAdams County, IL's years of wages of 3.3 scores 26 on the 0-to-100 scale across US counties but 66 across Illinois counties, a gap of 40 points.
Period 2026-08.Show the arithmetic
- 40 = |26 across US counties - 66 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
watchAdams County, IL's typical home value of $188,137 scores 32 on the 0-to-100 scale across US counties but 69 across Illinois counties, a gap of 37 points.
Period 2026-08.Show the arithmetic
- 37 = |32 across US counties - 69 across Illinois counties|
position among the entities that published this metric this period; not an official level
noteAdams County, IL's average weekly wage was 3.9% 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
- +3.9 % = 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
noteAdams County, IL's covered employment was 1.7% 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
- +1.7 % = 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
Read all 11 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.