Cumberland County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.27, -88.24.
Assembled 2026-10-06. Read the brief.
- 23rd pct · 2,354th of 3,063 US counties · median $234,566
- 59th pct · 42nd of 102 Illinois counties · median $158,585
- 94th pct · 183rd of 3,063 US counties · median +2.9%
- 89th pct · 12th of 102 Illinois counties · median +5.2%
- US counties: not published this period
- Illinois counties: not published this period
- 23rd pct · 2,450th of 3,221 US counties · median 8,232
- 19th pct · 82nd of 102 Illinois counties · median 7,611
- 17th pct · 2,668th of 3,221 US counties · median $1,039
- 11th pct · 90th of 102 Illinois counties · median $1,061
- 35th pct · 1,969th of 3,063 US counties · median 4.3
- 81st pct · 20th 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 $168,962 (Aug 2026), +9.1% over one year, +12.0% over five
- 23rd pct · 2,354th of 3,063 US counties · median $234,566
- 59th pct · 42nd of 102 Illinois counties · median $158,585
| Item | Value | Distance |
|---|---|---|
| Cumberland County, IL | $168,962 · +9.1% 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 $925 a month on $168,962 at 7.28%, against an average weekly wage worth $3,848 a month: 24.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $168,962 × 80% = $135,170, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $925/mo principal and interest
- wage share = payment / (avg weekly wage $888 × 52 / 12 = $3,848) = 24% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $168,962 / ($888 × 52) = 3.7
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 #
2,949 jobs at 204 employers (2026 Q1); +2.9% jobs and +3.4% average weekly wage over the year
- 23rd pct · 2,450th of 3,221 US counties · median 8,232
- 19th pct · 82nd of 102 Illinois counties · median 7,611
| Item | Value | Distance |
|---|---|---|
| Cumberland County, IL | 2,949 jobs · $888/wk · +2.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 504 | $573 | 1.75 | +1.4% |
| Accommodation and food services | 175 | $344 | 0.66 | -6.9% |
| Wholesale trade | 126 | $1,460 | 1.12 | -4.5% |
| Construction | 105 | $1,019 | 0.68 | +0.0% |
| Other services | 66 | $511 | 0.75 | -1.5% |
| Transportation and warehousing | 29 | $1,320 | 0.23 | -27.5% |
| Arts, entertainment and recreation | 14 | $219 | 0.29 | +27.3% |
| Administrative and waste services | 12 | $767 | 0.07 | -29.4% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Manufacturing | 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 #
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 #
24 gauges · 0 flooding · 1 with quality panels averaging 100 % · 2 stale
Sites found: 24, 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 | 21 km |
| USGS-03343805 | DO 6.60 mg/l · quality 100 % (3) · STALE | 23 km |
| Embarras River (IL) at Newton | no readings | 32 km |
| USGS-05591550 | flow 0.00 ft³/s | 36 km |
| USGS-03378635 | flow 3.12 ft³/s · no flooding | 36 km |
| USGS-05591200 | flow 36.9 ft³/s | 38 km |
| USGS-03346000 | flow 2.32 ft³/s · no flooding | 39 km |
| USGS-03345500 | flow 80.1 ft³/s · no flooding | 42 km |
| USGS-05592000 | flow 64.3 ft³/s · no flooding | 49 km |
| Kaskaskia River at Chesterville | out of service | 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 #
3 wells in 0 named aquifers:
Sites found: 3, 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 | 51 km |
| USGS-390758087363301 | depth 5.95 ft · 2025-04-03 | 57 km |
| USGS-392820087242601 | depth 42.3 ft · 2026-10-05 | 75 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 #
$358.7 m in deposits at 5 offices of 2 banks (SOD June 2026); HHI 8,052, highly concentrated. $96.6 m federal obligations in FY2026 (direct payments $63.7 m, grants $32.9 m), $32,769 per covered job
| Item | Value | Distance |
|---|---|---|
| First Neighbor Bank, National Association | $319.5 m · 89.1% share · 4 offices | |
| First Mid Bank & Trust, National Association | $39.2 m · 10.9% share · 1 office | |
| Cumberland, IL | $96.6 m FY2026 · $32,769/job | |
| MULTIPLE RECIPIENTS | $59.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Neighbor Bank, National Association | $319,475,000 | 89.1% | 4 |
| First Mid Bank & Trust, National Association | $39,234,000 | 10.9% | 1 |
Deposit concentration is 8,052 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 89.1² + 10.9² = 8,052
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 | $53,696,798 |
| Department of Transportation | $24,053,332 |
| Department of Health and Human Services | $5,188,269 |
| Department of Veterans Affairs | $5,124,279 |
| Department of Agriculture | $4,263,407 |
| Environmental Protection Agency | $2,000,000 |
| Department of Housing and Urban Development | $1,528,494 |
| Railroad Retirement Board | $597,185 |
| Department of Education | $38,921 |
| Federal Communications Commission | $19,099 |
That is $32,769 per covered job, against 2,949 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $96.6 m / 2,949 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $32,769
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 #
Cumberland County, IL: 9 findings, 2 at a watch level and 7 noted
watchCumberland County, IL's years of wages of 3.7 scores 36 on the 0-to-100 scale across US counties but 81 across Illinois counties, a gap of 45 points.
Period 2026-08.Show the arithmetic
- 45 = |36 across US counties - 81 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
watchCumberland County, IL's typical home value of $168,962 scores 23 on the 0-to-100 scale across US counties but 59 across Illinois counties, a gap of 36 points.
Period 2026-08.Show the arithmetic
- 36 = |23 across US counties - 59 across Illinois counties|
position among the entities that published this metric this period; not an official level
noteCumberland County, IL's average weekly wage was 3.4% 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
- +3.4 % = 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
noteCumberland County, IL's covered employment 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
noteCumberland County, IL's momentum index of 0.83 ranks 2nd of 102 Illinois counties, against a median of 0.19.
Period 2026-08.Show the arithmetic
- 99 on the 0-to-100 scale across 102 Illinois counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
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.