Coles County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.51, -88.22.
Assembled 2026-10-06. Read the brief.
- 14th pct · 2,604th of 3,063 US counties · median $234,566
- 41st pct · 60th of 102 Illinois counties · median $158,585
- 71st pct · 870th of 3,063 US counties · median +2.9%
- 47th pct · 54th of 102 Illinois counties · median +5.2%
- 0th pct · 1,388th of 1,399 US counties · median $1,496
- 6th pct · 32nd of 34 Illinois counties · median $1,181
- 74th pct · 831st of 3,221 US counties · median 8,232
- 76th pct · 25th of 102 Illinois counties · median 7,611
- 66th pct · 1,074th of 3,221 US counties · median $1,039
- 65th pct · 36th of 102 Illinois counties · median $1,061
- 10th pct · 2,734th of 3,063 US counties · median 4.3
- 35th pct · 66th 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 $147,166 (Aug 2026), +4.9% over one year, +29.6% over five
- 14th pct · 2,604th of 3,063 US counties · median $234,566
- 41st pct · 60th of 102 Illinois counties · median $158,585
| Item | Value | Distance |
|---|---|---|
| Coles County, IL | $147,166 · +4.9% 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 #
Typical rent $781/mo (Aug 2026), n/a over one year; price-to-rent 15.7
- 0th pct · 1,388th of 1,399 US counties · median $1,496
- 6th pct · 32nd of 34 Illinois counties · median $1,181
| Item | Value | Distance |
|---|---|---|
| Coles County, IL | $781/mo · n/a 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 $806 a month on $147,166 at 7.28%, against an average weekly wage worth $4,871 a month: 16.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $147,166 × 80% = $117,733, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $806/mo principal and interest
- wage share = payment / (avg weekly wage $1,124 × 52 / 12 = $4,871) = 17% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $147,166 / ($1,124 × 52) = 2.5
- price-to-rent = $147,166 / ($781 × 12) = 15.7
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 #
23,680 jobs at 1,029 employers (2026 Q1); +0.8% jobs and -0.9% average weekly wage over the year
- 74th pct · 831st of 3,221 US counties · median 8,232
- 76th pct · 25th of 102 Illinois counties · median 7,611
| Item | Value | Distance |
|---|---|---|
| Coles County, IL | 23,680 jobs · $1,124/wk · +0.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 6,882 | $1,191 | 1.93 | +3.1% |
| Retail trade | 2,548 | $666 | 1.10 | +2.0% |
| Accommodation and food services | 2,505 | $399 | 1.18 | +4.0% |
| Administrative and waste services | 1,369 | $868 | 1.02 | -2.1% |
| Manufacturing | 1,311 | $1,612 | 0.69 | -11.7% |
| Wholesale trade | 824 | $1,347 | 0.91 | +14.8% |
| Construction | 684 | $1,331 | 0.55 | +1.6% |
| Finance and insurance | 672 | $2,413 | 0.70 | -3.3% |
| Other services | 507 | $523 | 0.72 | -0.2% |
| Information | 280 | $2,197 | 0.64 | -15.9% |
| Transportation and warehousing | 260 | $1,251 | 0.26 | -19.8% |
| Real estate and rental | 154 | $810 | 0.42 | +4.1% |
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 #
28 gauges · 0 flooding · 5 with quality panels averaging 100 % · 5 stale
Sites found: 28, 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-03343820 | flow 13.0 ft³/s · STALE | 5 km |
| USGS-03343805 | DO 6.60 mg/l · quality 100 % (3) · STALE | 11 km |
| USGS-05591200 | flow 35.9 ft³/s | 18 km |
| USGS-05591550 | flow 0.00 ft³/s | 26 km |
| USGS-03343400 | flow 10.9 ft³/s | 31 km |
| USGS-05590520 | stage 2.39 ft | 33 km |
| USGS-394803088215001 | stage 7.10 ft | 34 km |
| USGS-05590800 | stage 2.83 ft | 39 km |
| USGS-05591700 | flow 0.00 ft³/s | 45 km |
| USGS-03343350 | flow 2.57 ft³/s | 49 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 #
5 wells in 0 named aquifers:
Sites found: 5, 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 | 58 km |
| USGS-390758087363301 | depth 5.95 ft · 2025-04-03 | 68 km |
| USGS-400751088084101 | depth 27.8 ft · 2016-03-26 | 69 km |
| USGS-400753088090501 | depth 0.69 ft · 2010-01-24 | 69 km |
| USGS-392820087242601 | depth 42.4 ft · 2026-10-05 | 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.00 / 0.55
Banks & federal dollars #
$2.5 bn in deposits at 19 offices of 12 banks (SOD June 2026); HHI 4,572, highly concentrated. $290.6 m federal obligations in FY2026 (direct payments $277.8 m, grants $12.3 m), $12,271 per covered job
| Item | Value | Distance |
|---|---|---|
| First Mid Bank & Trust, National Association | $1.7 bn · 66.6% share · 3 offices | |
| Washington Savings Bank | $172.0 m · 6.9% share · 2 offices | |
| First Neighbor Bank, National Association | $118.1 m · 4.7% share · 2 offices | |
| Coles, IL | $290.6 m FY2026 · $12,271/job | |
| MULTIPLE RECIPIENTS | $247.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Mid Bank & Trust, National Association | $1,661,084,000 | 66.6% | 3 |
| Washington Savings Bank | $171,984,000 | 6.9% | 2 |
| First Neighbor Bank, National Association | $118,112,000 | 4.7% | 2 |
| Prairie State Bank and Trust | $114,502,000 | 4.6% | 2 |
| U.S. Bank National Association | $107,895,000 | 4.3% | 2 |
| First Federal Savings and Loan Association of Central Illinois, S.B. | $78,985,000 | 3.2% | 2 |
| Peoples Bank & Trust | $69,974,000 | 2.8% | 1 |
| First Financial Bank, National Association | $58,401,000 | 2.3% | 1 |
| Casey State Bank | $57,027,000 | 2.3% | 1 |
| First Farmers Bank & Trust Co. | $30,178,000 | 1.2% | 1 |
Deposit concentration is 4,572 across 12 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 12 banks with deposits in the county = 66.6² + 6.9² + 4.7² + … (9 more) = 4,572
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 | $216,391,361 |
| Department of Veterans Affairs | $28,303,560 |
| Department of Education | $20,070,203 |
| Department of Transportation | $9,322,515 |
| Department of Agriculture | $8,897,291 |
| Department of Housing and Urban Development | $3,535,830 |
| Railroad Retirement Board | $2,508,694 |
| National Aeronautics and Space Administration | $748,983 |
| Federal Communications Commission | $393,234 |
| Department of Defense | $385,458 |
| Department of the Interior | $12,000 |
| Department of the Treasury | $4,918 |
That is $12,271 per covered job, against 23,680 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $290.6 m / 23,680 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $12,271
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 #
Coles County, IL: 11 findings, 3 at a watch level and 8 noted
watchColes County, IL's typical asking rent is -2.3% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; 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.momPct = -2.2650537734698335 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level
watchColes County, IL's average weekly wage is -0.9% 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 = -0.9 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchColes County, IL's price-to-rent ratio of 15.7 scores 35 on the 0-to-100 scale across US counties but 79 across Illinois counties, a gap of 43 points.
Period 2026-08.Show the arithmetic
- 43 = |35 across US counties - 79 across Illinois counties|
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
noteColes County, IL's typical asking rent fell 2.3% from $800 in July 2026 to $781 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -2.3% = (781.4305555555555 - 799.540579624769) / 799.540579624769 × 100
- 781.4305555555555 = Zillow ZORI, 2026-08
- 799.540579624769 = Zillow ZORI, 2026-07
noteColes County, IL's average weekly wage was 0.9% 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
- -0.9 % = 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
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.