Bond County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.89, -89.44.
Assembled 2026-10-06. Read the brief.
- 23rd pct · 2,350th of 3,063 US counties · median $234,566
- 60th pct · 41st of 102 Illinois counties · median $158,585
- 7th pct · 14th of 15 counties in the St. Louis metro · median $223,520
- 97th pct · 88th of 3,063 US counties · median +2.9%
- 95th pct · 6th of 102 Illinois counties · median +5.2%
- 100th pct · 1st of 15 counties in the St. Louis metro · median +3.8%
- US counties: not published this period
- Illinois counties: not published this period
- counties in the St. Louis metro: not published this period
- 33rd pct · 2,135th of 3,221 US counties · median 8,232
- 31st pct · 70th of 102 Illinois counties · median 7,611
- 7th pct · 14th of 15 counties in the St. Louis metro · median 12,995
- 55th pct · 1,421st of 3,221 US counties · median $1,039
- 52nd pct · 49th of 102 Illinois counties · median $1,061
- 64th pct · 6th of 15 counties in the St. Louis metro · median $1,033
- 21st pct · 2,419th of 3,063 US counties · median 4.3
- 59th pct · 42nd of 102 Illinois counties · median 2.8
- 21st pct · 12th of 15 counties in the St. Louis metro · median 4.2
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 $169,153 (Aug 2026), +11.0% over one year, +20.0% over five
- 23rd pct · 2,350th of 3,063 US counties · median $234,566
- 60th pct · 41st of 102 Illinois counties · median $158,585
- 7th pct · 14th of 15 counties in the St. Louis metro · median $223,520
| Item | Value | Distance |
|---|---|---|
| Bond County, IL | $169,153 · +11.0% 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 #
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
- counties in the St. Louis metro: 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 $926 a month on $169,153 at 7.28%, against an average weekly wage worth $4,619 a month: 20.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $169,153 × 80% = $135,323, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $926/mo principal and interest
- wage share = payment / (avg weekly wage $1,066 × 52 / 12 = $4,619) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $169,153 / ($1,066 × 52) = 3.1
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 #
4,390 jobs at 326 employers (2026 Q1); -3.5% jobs and +2.6% average weekly wage over the year
- 33rd pct · 2,135th of 3,221 US counties · median 8,232
- 31st pct · 70th of 102 Illinois counties · median 7,611
- 7th pct · 14th of 15 counties in the St. Louis metro · median 12,995
| Item | Value | Distance |
|---|---|---|
| Bond County, IL | 4,390 jobs · $1,066/wk · -3.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 897 | $1,581 | 2.54 | +19.3% |
| Retail trade | 487 | $612 | 1.14 | +4.3% |
| Wholesale trade | 251 | $1,150 | 1.49 | -43.6% |
| Finance and insurance | 149 | $1,118 | 0.83 | +1.4% |
| Professional and technical services | 83 | $852 | 0.27 | -19.4% |
| Administrative and waste services | 73 | $2,108 | 0.29 | -18.0% |
| Real estate and rental | 15 | $513 | 0.22 | -16.7% |
| Agriculture, forestry, fishing | withheld | |||
| Utilities | withheld | |||
| Construction | withheld | |||
| Transportation and warehousing | withheld | |||
| Information | withheld |
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 #
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 #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$447.0 m in deposits at 7 offices of 5 banks (SOD June 2026); HHI 4,371, highly concentrated. $121.4 m federal obligations in FY2026 (direct payments $115.9 m, contracts $4.1 m), $27,652 per covered job
| Item | Value | Distance |
|---|---|---|
| The Bradford National Bank of Greenville | $280.8 m · 62.8% share · 2 offices | |
| The FNB Community Bank | $75.9 m · 17.0% share · 2 offices | |
| The Peoples State Bank of Newton, Illinois | $35.3 m · 7.9% share · 1 office | |
| Bond, IL | $121.4 m FY2026 · $27,652/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Bradford National Bank of Greenville | $280,757,000 | 62.8% | 2 |
| The FNB Community Bank | $75,935,000 | 17.0% | 2 |
| The Peoples State Bank of Newton, Illinois | $35,344,000 | 7.9% | 1 |
| Constitution Bank, National Association | $27,680,000 | 6.2% | 1 |
| Midland States Bank | $27,307,000 | 6.1% | 1 |
Deposit concentration is 4,371 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 62.8² + 17.0² + 7.9² + … (2 more) = 4,371
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 $27,652 per covered job, against 4,390 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $121.4 m / 4,390 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $27,652
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 | 12.69 | 2026-10-05 | +3.3% |
| 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 | 2026-10-06 | +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 | 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 | -105,572.00 | 2026-08-01 | -13.7% |
| 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 #
Bond County, IL: 14 findings, 1 at an alert level, 3 at a watch level and 10 noted
alertBond County, IL's covered employment is -3.5% 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 = -3.5 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchBond County, IL's covered employment is -3.5% 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 = -3.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchBond County, IL's years of wages of 3.1 scores 21 on the 0-to-100 scale across US counties but 59 across Illinois counties, a gap of 38 points.
Period 2026-08.Show the arithmetic
- 38 = |21 across US counties - 59 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
watchBond County, IL's typical home value of $169,153 scores 23 on the 0-to-100 scale across US counties but 60 across Illinois counties, a gap of 37 points.
Period 2026-08.Show the arithmetic
- 37 = |23 across US counties - 60 across Illinois counties|
position among the entities that published this metric this period; not an official level
noteBond County, IL's covered employment was 3.5% 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
- -3.5 % = 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
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.