Clark County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.33, -87.79.
Assembled 2026-10-06. Read the brief.
- 17th pct · 2,533rd of 3,063 US counties · median $234,566
- 43rd pct · 58th of 102 Illinois counties · median $158,585
- 96th pct · 113th of 3,063 US counties · median +2.9%
- 91st pct · 10th of 102 Illinois counties · median +5.2%
- US counties: not published this period
- Illinois counties: not published this period
- 32nd pct · 2,177th of 3,221 US counties · median 8,232
- 27th pct · 74th of 102 Illinois counties · median 7,611
- 21st pct · 2,541st of 3,221 US counties · median $1,039
- 13th pct · 88th of 102 Illinois counties · median $1,061
- 26th pct · 2,254th of 3,063 US counties · median 4.3
- 65th pct · 36th 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 $154,226 (Aug 2026), +10.3% over one year, +17.7% over five
- 17th pct · 2,533rd of 3,063 US counties · median $234,566
- 43rd pct · 58th of 102 Illinois counties · median $158,585
| Item | Value | Distance |
|---|---|---|
| Clark County, IL | $154,226 · +10.3% 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 $844 a month on $154,226 at 7.28%, against an average weekly wage worth $3,943 a month: 21.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $154,226 × 80% = $123,381, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $844/mo principal and interest
- wage share = payment / (avg weekly wage $910 × 52 / 12 = $3,943) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $154,226 / ($910 × 52) = 3.3
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 #
4,135 jobs at 334 employers (2026 Q1); -4.3% jobs and +1.0% average weekly wage over the year
- 32nd pct · 2,177th of 3,221 US counties · median 8,232
- 27th pct · 74th of 102 Illinois counties · median 7,611
| Item | Value | Distance |
|---|---|---|
| Clark County, IL | 4,135 jobs · $910/wk · -4.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 730 | $1,203 | 2.19 | -18.3% |
| Retail trade | 479 | $588 | 1.19 | -3.0% |
| Accommodation and food services | 478 | $322 | 1.29 | -7.7% |
| Construction | 289 | $1,298 | 1.33 | +4.0% |
| Other services | 147 | $590 | 1.19 | +6.5% |
| Wholesale trade | 120 | $1,079 | 0.76 | +1.7% |
| Transportation and warehousing | 97 | $1,828 | 0.56 | -4.0% |
| Mining, oil and gas | 78 | $1,398 | 5.30 | +32.2% |
| Agriculture, forestry, fishing | 66 | $754 | 2.21 | +1.5% |
| Administrative and waste services | 60 | $634 | 0.26 | -3.2% |
| Professional and technical services | 47 | $612 | 0.16 | -6.0% |
| Arts, entertainment and recreation | 26 | $769 | 0.38 | +8.3% |
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 #
29 gauges · 0 flooding · 3 with quality panels averaging 97 % · 5 stale
Sites found: 29, 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 |
|---|---|---|
| Wabash River near Hutsonville | observation not current | 25 km |
| USGS-03341558 | flow 3.54 ft³/s | 32 km |
| USGS-03341500 | flow 9,350 ft³/s · no flooding | 35 km |
| Wabash River at Terre Haute Legacy Site | out of service | 36 km |
| USGS-03346000 | flow 2.32 ft³/s · no flooding | 38 km |
| USGS-03342000 | flow 9,780 ft³/s · no flooding | 40 km |
| USGS-03343820 | flow 13.0 ft³/s · STALE | 40 km |
| USGS-03342100 | flow 33.0 ft³/s · STALE | 43 km |
| Embarras River (IL) at Newton | no readings | 48 km |
| USGS-03345500 | flow 78.9 ft³/s · no flooding | 48 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 #
6 wells in 0 named aquifers:
Sites found: 6, 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-391350087385301 | depth 24.0 ft · 2017-01-05 | 17 km |
| USGS-390758087363301 | depth 5.95 ft · 2025-04-03 | 27 km |
| USGS-392820087242601 | depth 42.4 ft · 2026-10-05 | 36 km |
| USGS-384951087202501 | depth 14.3 ft · 2026-10-05 | 68 km |
| USGS-393619087043001 | depth 15.0 ft · 2026-10-05 | 69 km |
| USGS-394510087105001 | depth 12.1 ft · 2025-03-09 | 70 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 + 0.2×0.03 / 0.55
Banks & federal dollars #
$555.9 m in deposits at 9 offices of 6 banks (SOD June 2026); HHI 2,855, highly concentrated. $114.7 m federal obligations in FY2026 (direct payments $104.2 m, grants $10.0 m), $27,738 per covered job
| Item | Value | Distance |
|---|---|---|
| Casey State Bank | $261.6 m · 47.1% share · 3 offices | |
| First Mid Bank & Trust, National Association | $93.0 m · 16.7% share · 1 office | |
| Preferred Bank | $67.7 m · 12.2% share · 2 offices | |
| Clark, IL | $114.7 m FY2026 · $27,738/job | |
| MULTIPLE RECIPIENTS | $96.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Casey State Bank | $261,588,000 | 47.1% | 3 |
| First Mid Bank & Trust, National Association | $93,013,000 | 16.7% | 1 |
| Preferred Bank | $67,676,000 | 12.2% | 2 |
| First Financial Bank, National Association | $62,963,000 | 11.3% | 1 |
| First Neighbor Bank, National Association | $42,386,000 | 7.6% | 1 |
| Longview Bank | $28,300,000 | 5.1% | 1 |
Deposit concentration is 2,855 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 47.1² + 16.7² + 12.2² + … (3 more) = 2,855
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 | $84,519,455 |
| Department of Veterans Affairs | $9,832,820 |
| Department of Transportation | $9,187,337 |
| Department of Agriculture | $8,525,649 |
| Railroad Retirement Board | $1,632,626 |
| Department of Housing and Urban Development | $416,856 |
| Department of Justice | $375,250 |
| Federal Communications Commission | $176,045 |
| Department of Education | $30,776 |
That is $27,738 per covered job, against 4,135 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $114.7 m / 4,135 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $27,738
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 | -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 #
Clark County, IL: 10 findings, 1 at an alert level, 2 at a watch level and 7 noted
alertClark County, IL's covered employment is -4.3% 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 = -4.3 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchClark County, IL's covered employment is -4.3% 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 = -4.3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchClark County, IL's years of wages of 3.3 scores 26 on the 0-to-100 scale across US counties but 65 across Illinois counties, a gap of 39 points.
Period 2026-08.Show the arithmetic
- 39 = |26 across US counties - 65 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
noteClark County, IL's covered employment was 4.3% 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
- -4.3 % = 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
noteClark County, IL's average weekly wage was 1.0% 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
- +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
Read all 10 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.