Cass County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.97, -90.25.
Assembled 2026-10-06. Read the brief.
- 3rd pct · 2,966th of 3,063 US counties · median $234,566
- 9th pct · 92nd of 102 Illinois counties · median $158,585
- 12th pct · 2,677th of 3,063 US counties · median +2.9%
- 8th pct · 93rd of 102 Illinois counties · median +5.2%
- US counties: not published this period
- Illinois counties: not published this period
- 35th pct · 2,076th of 3,221 US counties · median 8,232
- 32nd pct · 69th of 102 Illinois counties · median 7,611
- 65th pct · 1,118th of 3,221 US counties · median $1,039
- 64th pct · 37th of 102 Illinois counties · median $1,061
- 2nd pct · 2,997th of 3,063 US counties · median 4.3
- 4th pct · 97th 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 $102,620 (Aug 2026), -1.4% over one year, +18.9% over five
- 3rd pct · 2,966th of 3,063 US counties · median $234,566
- 9th pct · 92nd of 102 Illinois counties · median $158,585
| Item | Value | Distance |
|---|---|---|
| Cass County, IL | $102,620 · -1.4% 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 $562 a month on $102,620 at 7.28%, against an average weekly wage worth $4,836 a month: 11.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $102,620 × 80% = $82,096, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $562/mo principal and interest
- wage share = payment / (avg weekly wage $1,116 × 52 / 12 = $4,836) = 12% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $102,620 / ($1,116 × 52) = 1.8
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 #
4,707 jobs at 269 employers (2026 Q1); +3.0% jobs and +2.9% average weekly wage over the year
- 35th pct · 2,076th of 3,221 US counties · median 8,232
- 32nd pct · 69th of 102 Illinois counties · median 7,611
| Item | Value | Distance |
|---|---|---|
| Cass County, IL | 4,707 jobs · $1,116/wk · +3.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 434 | $603 | 0.95 | -2.0% |
| Health care and social assistance | 275 | $737 | 0.39 | +7.0% |
| Finance and insurance | 214 | $1,087 | 1.12 | +1.9% |
| Accommodation and food services | 170 | $439 | 0.40 | +0.0% |
| Construction | 165 | $1,015 | 0.67 | +0.6% |
| Other services | 105 | $670 | 0.75 | +10.5% |
| Transportation and warehousing | 79 | $1,394 | 0.40 | +0.0% |
| Real estate and rental | 10 | $1,320 | 0.14 | +11.1% |
| Agriculture, forestry, fishing | withheld | |||
| Utilities | withheld | |||
| Manufacturing | withheld | |||
| Wholesale trade | 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 #
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 #
$490.5 m in deposits at 9 offices of 5 banks (SOD June 2026); HHI 2,981, highly concentrated. $71.9 m federal obligations in FY2026 (direct payments $70.4 m, grants $1.5 m), $15,278 per covered job
| Item | Value | Distance |
|---|---|---|
| Petefish, Skiles & Co. | $198.5 m · 40.5% share · 2 offices | |
| West Central Bank | $155.3 m · 31.7% share · 4 offices | |
| The First National Bank of Arenzville | $75.1 m · 15.3% share · 1 office | |
| Cass, IL | $71.9 m FY2026 · $15,278/job | |
| MULTIPLE RECIPIENTS | $65.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Petefish, Skiles & Co. | $198,453,000 | 40.5% | 2 |
| West Central Bank | $155,296,000 | 31.7% | 4 |
| The First National Bank of Arenzville | $75,111,000 | 15.3% | 1 |
| Beardstown Savings s.b. | $49,377,000 | 10.1% | 1 |
| The Havana National Bank | $12,273,000 | 2.5% | 1 |
Deposit concentration is 2,981 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 = 40.5² + 31.7² + 15.3² + … (2 more) = 2,981
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 | $55,387,212 |
| Department of Veterans Affairs | $6,240,008 |
| Department of Agriculture | $5,478,443 |
| Railroad Retirement Board | $3,348,028 |
| Department of Health and Human Services | $1,721,924 |
| Department of Housing and Urban Development | $531,351 |
| Federal Communications Commission | $102,020 |
| Department of Education | $59,258 |
| Environmental Protection Agency | -$420,000 |
| Department of Transportation | -$533,777 |
That is $15,278 per covered job, against 4,707 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $71.9 m / 4,707 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,278
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 #
Cass County, IL: 11 findings, 1 at a watch level and 10 noted
watchCass County, IL's typical home value is -1.4% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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: home.yoyPct = -1.3978247565237978 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteCass County, IL's covered employment was 3.0% 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 % = 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
noteCass 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
noteCass County, IL's typical home value rose 1.8% from $100,839 in July 2026 to $102,620 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +1.8% = (102619.92160923214 - 100839.40760364076) / 100839.40760364076 × 100
- 102619.92160923214 = Zillow ZHVI, 2026-08
- 100839.40760364076 = Zillow ZHVI, 2026-07
noteCass County, IL's years of wages of 1.8 ranks 2,997th of 3,063 US counties, against a median of 4.3.
Period 2026-08.Show the arithmetic
- 2 on the 0-to-100 scale across 3063 US counties that published yearsOfWages
- 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
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.