Carroll County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.07, -89.92.
Assembled 2026-10-06. Read the brief.
- 22nd pct · 2,366th of 3,063 US counties · median $234,566
- 57th pct · 44th of 102 Illinois counties · median $158,585
- 97th pct · 90th of 3,063 US counties · median +2.9%
- 94th pct · 7th of 102 Illinois counties · median +5.2%
- US counties: not published this period
- Illinois counties: not published this period
- 30th pct · 2,229th of 3,221 US counties · median 8,232
- 24th pct · 77th of 102 Illinois counties · median 7,611
- 47th pct · 1,695th of 3,221 US counties · median $1,039
- 40th pct · 61st of 102 Illinois counties · median $1,061
- 23rd pct · 2,341st of 3,063 US counties · median 4.3
- 63rd pct · 38th 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 $167,848 (Aug 2026), +10.9% over one year, +46.5% over five
- 22nd pct · 2,366th of 3,063 US counties · median $234,566
- 57th pct · 44th of 102 Illinois counties · median $158,585
| Item | Value | Distance |
|---|---|---|
| Carroll County, IL | $167,848 · +10.9% 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 $919 a month on $167,848 at 7.28%, against an average weekly wage worth $4,450 a month: 20.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $167,848 × 80% = $134,279, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $919/mo principal and interest
- wage share = payment / (avg weekly wage $1,027 × 52 / 12 = $4,450) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $167,848 / ($1,027 × 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 #
3,896 jobs at 404 employers (2026 Q1); +0.2% jobs and -4.1% average weekly wage over the year
- 30th pct · 2,229th of 3,221 US counties · median 8,232
- 24th pct · 77th of 102 Illinois counties · median 7,611
| Item | Value | Distance |
|---|---|---|
| Carroll County, IL | 3,896 jobs · $1,027/wk · +0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 765 | $1,355 | 2.44 | +0.0% |
| Retail trade | 387 | $508 | 1.02 | -2.3% |
| Accommodation and food services | 255 | $355 | 0.73 | +2.0% |
| Construction | 189 | $1,014 | 0.93 | +0.0% |
| Wholesale trade | 167 | $1,199 | 1.12 | +10.6% |
| Finance and insurance | 148 | $1,593 | 0.93 | -3.9% |
| Transportation and warehousing | 141 | $1,169 | 0.86 | -3.4% |
| Other services | 133 | $748 | 1.14 | -16.9% |
| Professional and technical services | 93 | $849 | 0.35 | +6.9% |
| Agriculture, forestry, fishing | 63 | $769 | 2.24 | +0.0% |
| Real estate and rental | 21 | $322 | 0.35 | +5.0% |
| Arts, entertainment and recreation | 15 | $565 | 0.23 | -16.7% |
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 #
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 #
38 gauges · 0 flooding · 10 with quality panels averaging 98 % · 14 stale
Sites found: 38, 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-05420100 | flow 78.0 ft³/s · STALE | 17 km |
| USGS-05420300 | flow 14.0 ft³/s · STALE | 24 km |
| USGS-05444000 | flow 178.0 ft³/s | 27 km |
| USGS-05420400 | stage 6.27 ft · quality 100 % (5) | 27 km |
| USGS-05420460 | stage 11.9 ft · quality 100 % (1) | 35 km |
| USGS-05418720 | flow 19,100 ft³/s · quality 100 % (2) · STALE | 35 km |
| USGS-05435500 | flow 1,600 ft³/s | 36 km |
| USGS-05419000 | flow 170.0 ft³/s | 36 km |
| USGS-05443500 | flow 13,400 ft³/s | 36 km |
| USGS-05443000 | stage 6.62 ft | 38 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 #
14 wells in 0 named aquifers:
Sites found: 14, 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-420855090195709 | depth 1.56 ft · 2018-03-15 | 35 km |
| USGS-420912090200406 | depth 1.56 ft · 2018-10-22 | 35 km |
| USGS-420836090201910 | depth 0.88 ft · 2018-10-22 | 35 km |
| USGS-420931090200102 | depth 3.05 ft · 2018-10-22 | 35 km |
| USGS-420850090201608 | depth 2.30 ft · 2018-10-22 | 35 km |
| USGS-420824090202812 | depth 3.25 ft · 2018-10-22 | 35 km |
| USGS-420924090200904 | depth 1.67 ft · 2018-10-22 | 35 km |
| USGS-420902090202007 | depth 3.29 ft · 2018-10-22 | 35 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 (0.01)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.02 / 0.55
Banks & federal dollars #
$617.8 m in deposits at 13 offices of 8 banks (SOD June 2026); HHI 1,763, moderately concentrated. $120.0 m federal obligations in FY2026 (direct payments $117.8 m, contracts $1.5 m), $30,804 per covered job
| Item | Value | Distance |
|---|---|---|
| Milledgeville State Bank | $170.6 m · 27.6% share · 1 office | |
| Fidelity Bank | $108.7 m · 17.6% share · 3 offices | |
| Exchange State Bank | $98.6 m · 16.0% share · 1 office | |
| Carroll, IL | $120.0 m FY2026 · $30,804/job | |
| MULTIPLE RECIPIENTS | $104.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Milledgeville State Bank | $170,647,000 | 27.6% | 1 |
| Fidelity Bank | $108,719,000 | 17.6% | 3 |
| Exchange State Bank | $98,625,000 | 16.0% | 1 |
| First State Bank Shannon-Polo | $93,600,000 | 15.2% | 2 |
| TBK BANK, SSB | $76,366,000 | 12.4% | 3 |
| Farmers National Bank | $38,907,000 | 6.3% | 1 |
| The State Bank of Pearl City | $18,440,000 | 3.0% | 1 |
| Citizens State Bank | $12,474,000 | 2.0% | 1 |
Deposit concentration is 1,763 across 8 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 27.6² + 17.6² + 16.0² + … (5 more) = 1,763
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 | $92,022,939 |
| Department of Agriculture | $12,983,332 |
| Department of Veterans Affairs | $8,897,622 |
| Railroad Retirement Board | $3,721,274 |
| Department of Defense | $984,410 |
| Environmental Protection Agency | $959,752 |
| Department of Justice | $471,775 |
| Department of Health and Human Services | $154,379 |
| Department of the Interior | $89,979 |
| Department of Housing and Urban Development | $76,601 |
| Federal Communications Commission | $73,993 |
| Department of Education | $32,915 |
That is $30,804 per covered job, against 3,896 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $120.0 m / 3,896 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $30,804
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 #
Carroll County, IL: 9 findings, 3 at a watch level and 6 noted
watchCarroll County, IL's average weekly wage is -4.1% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; 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.avgWeeklyWage = -4.1 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchCarroll County, IL's years of wages of 3.1 scores 24 on the 0-to-100 scale across US counties but 63 across Illinois counties, a gap of 40 points.
Period 2026-08.Show the arithmetic
- 40 = |24 across US counties - 63 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
watchCarroll County, IL's typical home value of $167,848 scores 23 on the 0-to-100 scale across US counties but 57 across Illinois counties, a gap of 35 points.
Period 2026-08.Show the arithmetic
- 35 = |23 across US counties - 57 across Illinois counties|
position among the entities that published this metric this period; not an official level
noteCarroll County, IL's average weekly wage was 4.1% 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
- -4.1 % = 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
noteCarroll County, IL's typical home value rose 0.8% from $166,504 in July 2026 to $167,848 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.8% = (167848.21552432558 - 166504.44978491132) / 166504.44978491132 × 100
- 167848.21552432558 = Zillow ZHVI, 2026-08
- 166504.44978491132 = Zillow ZHVI, 2026-07
Read all 9 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.