De Witt County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.18, -88.90.
Assembled 2026-10-06. Read the brief.
- 20th pct · 2,435th of 3,063 US counties · median $234,566
- 54th pct · 47th of 102 Illinois counties · median $158,585
- 96th pct · 111th of 3,063 US counties · median +2.9%
- 92nd pct · 9th of 102 Illinois counties · median +5.2%
- US counties: not published this period
- Illinois counties: not published this period
- 36th pct · 2,046th of 3,221 US counties · median 8,232
- 37th pct · 64th of 102 Illinois counties · median 7,611
- 93rd pct · 221st of 3,221 US counties · median $1,039
- 95th pct · 6th of 102 Illinois counties · median $1,061
- 4th pct · 2,922nd of 3,063 US counties · median 4.3
- 14th pct · 87th 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 $162,515 (Aug 2026), +10.4% over one year, +42.5% over five
- 20th pct · 2,435th of 3,063 US counties · median $234,566
- 54th pct · 47th of 102 Illinois counties · median $158,585
| Item | Value | Distance |
|---|---|---|
| De Witt County, IL | $162,515 · +10.4% 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 $890 a month on $162,515 at 7.28%, against an average weekly wage worth $6,569 a month: 13.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $162,515 × 80% = $130,012, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $890/mo principal and interest
- wage share = payment / (avg weekly wage $1,516 × 52 / 12 = $6,569) = 14% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $162,515 / ($1,516 × 52) = 2.1
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 #
4,871 jobs at 341 employers (2026 Q1); -0.4% jobs and -7.2% average weekly wage over the year
- 36th pct · 2,046th of 3,221 US counties · median 8,232
- 37th pct · 64th of 102 Illinois counties · median 7,611
| Item | Value | Distance |
|---|---|---|
| De Witt County, IL | 4,871 jobs · $1,516/wk · -0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 567 | $763 | 1.19 | -4.7% |
| Accommodation and food services | 386 | $413 | 0.88 | +8.1% |
| Health care and social assistance | 349 | $765 | 0.48 | +11.1% |
| Manufacturing | 341 | $1,329 | 0.87 | +3.6% |
| Construction | 306 | $1,223 | 1.20 | +5.5% |
| Wholesale trade | 275 | $1,701 | 1.47 | -16.9% |
| Other services | 124 | $389 | 0.85 | -1.6% |
| Agriculture, forestry, fishing | 108 | $1,298 | 3.07 | +11.3% |
| Finance and insurance | 100 | $1,255 | 0.50 | -12.3% |
| Professional and technical services | 84 | $1,115 | 0.25 | -12.5% |
| Arts, entertainment and recreation | 21 | $537 | 0.26 | -4.5% |
| Real estate and rental | 18 | $698 | 0.24 | +0.0% |
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 #
52 gauges · 0 flooding · 23 with quality panels averaging 100 % · 14 stale
Sites found: 52, 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-05578300 | stage 689.9 ft | 5 km |
| USGS-05578330 | temp 29.0 °C · quality 100 % (1) · STALE | 7 km |
| USGS-05578360 | temp 27.7 °C · quality 100 % (1) · STALE | 8 km |
| USGS-05578250 | flow 18.8 ft³/s · quality 100 % (2) | 10 km |
| USGS-05578500 | flow 19.5 ft³/s · quality 100 % (1) · no flooding | 15 km |
| USGS-05580000 | flow 24.5 ft³/s | 21 km |
| USGS-05579725 | flow 7.70 ft³/s | 21 km |
| USGS-05578100 | flow 19.5 ft³/s · quality 100 % (1) | 21 km |
| USGS-05572500 | temp 15.9 °C · quality 100 % (1) · STALE | 30 km |
| USGS-05579630 | stage 4.67 ft · quality 100 % (4) | 31 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 #
13 wells in 0 named aquifers:
Sites found: 13, 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-402732088523901 | depth 5.76 ft · 2015-06-14 | 31 km |
| USGS-402736088523902 | depth 0.66 ft · 2015-06-16 | 31 km |
| USGS-402736088523901 | depth 0.89 ft · 2015-06-16 | 31 km |
| USGS-402739088524101 | depth 6.33 ft · 2015-06-14 | 31 km |
| USGS-402739088524102 | depth 7.90 ft · 2016-10-26 | 31 km |
| USGS-402741088524102 | depth 5.64 ft · 2016-12-05 | 31 km |
| USGS-402750088523801 | depth 1.38 ft · 2015-06-14 | 31 km |
| USGS-401654088212001 | depth 47.1 ft · 2021-12-01 | 48 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 #
$553.1 m in deposits at 5 offices of 4 banks (SOD June 2026); HHI 3,495, highly concentrated. $107.6 m federal obligations in FY2026 (direct payments $105.7 m, grants $1.8 m), $22,087 per covered job
| Item | Value | Distance |
|---|---|---|
| First National Bank & Trust Company | $250.8 m · 45.3% share · 1 office | |
| Heartland Bank and Trust Company | $169.9 m · 30.7% share · 2 offices | |
| DeWitt Savings Bank | $122.6 m · 22.2% share · 1 office | |
| De Witt, IL | $107.6 m FY2026 · $22,087/job | |
| MULTIPLE RECIPIENTS | $96.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First National Bank & Trust Company | $250,767,000 | 45.3% | 1 |
| Heartland Bank and Trust Company | $169,950,000 | 30.7% | 2 |
| DeWitt Savings Bank | $122,613,000 | 22.2% | 1 |
| Longview Community Bank | $9,721,000 | 1.8% | 1 |
Deposit concentration is 3,495 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 45.3² + 30.7² + 22.2² + … (1 more) = 3,495
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 | $86,532,350 |
| Department of Agriculture | $8,714,486 |
| Department of Veterans Affairs | $7,676,239 |
| Railroad Retirement Board | $2,580,170 |
| Department of Housing and Urban Development | $1,336,943 |
| Department of Transportation | $504,262 |
| Federal Communications Commission | $164,370 |
| Department of Energy | $78,833 |
| Environmental Protection Agency | $0 |
That is $22,087 per covered job, against 4,871 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $107.6 m / 4,871 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,087
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 #
De Witt County, IL: 12 findings, 3 at a watch level and 9 noted
watchDe Witt County, IL's average weekly wage is -7.2% 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 = -7.2 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchDe Witt County, IL's covered employment is -0.4% 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 = -0.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchDe Witt County, IL's typical home value of $162,515 scores 21 on the 0-to-100 scale across US counties but 54 across Illinois counties, a gap of 34 points.
Period 2026-08.Show the arithmetic
- 34 = |21 across US counties - 54 across Illinois counties|
position among the entities that published this metric this period; not an official level
noteDe Witt County, IL's average weekly wage was 7.2% 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
- -7.2 % = 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
noteDe Witt County, IL's typical home value rose 0.5% from $161,634 in July 2026 to $162,515 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.5% = (162514.6392165016 - 161633.91241358253) / 161633.91241358253 × 100
- 162514.6392165016 = Zillow ZHVI, 2026-08
- 161633.91241358253 = Zillow ZHVI, 2026-07
Read all 12 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.