Douglas County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.77, -88.22.
Assembled 2026-10-06. Read the brief.
- 19th pct · 2,452nd of 3,063 US counties · median $234,566
- 53rd pct · 48th of 102 Illinois counties · median $158,585
- 79th pct · 632nd of 3,063 US counties · median +2.9%
- 60th pct · 41st of 102 Illinois counties · median +5.2%
- 23rd pct · 1,076th of 1,399 US counties · median $1,496
- 54th pct · 16th of 34 Illinois counties · median $1,181
- 47th pct · 1,677th of 3,221 US counties · median 8,232
- 49th pct · 52nd of 102 Illinois counties · median 7,611
- 67th pct · 1,051st of 3,221 US counties · median $1,039
- 67th pct · 33rd of 102 Illinois counties · median $1,061
- 14th pct · 2,607th of 3,063 US counties · median 4.3
- 47th pct · 54th 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 $161,340 (Aug 2026), +5.9% over one year, +39.9% over five
- 19th pct · 2,452nd of 3,063 US counties · median $234,566
- 53rd pct · 48th of 102 Illinois counties · median $158,585
| Item | Value | Distance |
|---|---|---|
| Douglas County, IL | $161,340 · +5.9% 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 $1,210/mo (Aug 2026), n/a over one year; price-to-rent 11.1
- 23rd pct · 1,076th of 1,399 US counties · median $1,496
- 54th pct · 16th of 34 Illinois counties · median $1,181
| Item | Value | Distance |
|---|---|---|
| Douglas County, IL | $1,210/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 $883 a month on $161,340 at 7.28%, against an average weekly wage worth $4,888 a month: 18.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $161,340 × 80% = $129,072, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $883/mo principal and interest
- wage share = payment / (avg weekly wage $1,128 × 52 / 12 = $4,888) = 18% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $161,340 / ($1,128 × 52) = 2.8
- price-to-rent = $161,340 / ($1,210 × 12) = 11.1
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 #
7,594 jobs at 614 employers (2026 Q1); -0.5% jobs and +4.5% average weekly wage over the year
- 47th pct · 1,677th of 3,221 US counties · median 8,232
- 49th pct · 52nd of 102 Illinois counties · median 7,611
| Item | Value | Distance |
|---|---|---|
| Douglas County, IL | 7,594 jobs · $1,128/wk · -0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,993 | $1,448 | 4.90 | +4.8% |
| Accommodation and food services | 764 | $375 | 1.12 | +4.8% |
| Retail trade | 560 | $602 | 0.76 | -6.8% |
| Construction | 546 | $1,271 | 1.37 | +3.6% |
| Wholesale trade | 353 | $1,539 | 1.21 | -5.6% |
| Transportation and warehousing | 234 | $1,417 | 0.73 | +0.0% |
| Finance and insurance | 163 | $1,212 | 0.53 | -14.7% |
| Other services | 158 | $792 | 0.70 | +0.0% |
| Administrative and waste services | 116 | $849 | 0.27 | +7.4% |
| Real estate and rental | 51 | $1,191 | 0.44 | +2.0% |
| Arts, entertainment and recreation | 42 | $372 | 0.34 | +7.7% |
| Utilities | 29 | $3,292 | 0.97 | +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 #
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 #
$734.0 m in deposits at 16 offices of 8 banks (SOD June 2026); HHI 1,500, moderately concentrated. $107.4 m federal obligations in FY2026 (direct payments $107.4 m, loans $25,768), $14,139 per covered job
| Item | Value | Distance |
|---|---|---|
| Morton Community Bank | $185.1 m · 25.2% share · 2 offices | |
| First Mid Bank & Trust, National Association | $106.1 m · 14.5% share · 2 offices | |
| First Neighbor Bank, National Association | $89.8 m · 12.2% share · 2 offices | |
| Douglas, IL | $107.4 m FY2026 · $14,139/job | |
| MULTIPLE RECIPIENTS | $103.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Morton Community Bank | $185,059,000 | 25.2% | 2 |
| First Mid Bank & Trust, National Association | $106,094,000 | 14.5% | 2 |
| First Neighbor Bank, National Association | $89,766,000 | 12.2% | 2 |
| TrustBank | $87,738,000 | 12.0% | 1 |
| Peoples Bank & Trust | $85,832,000 | 11.7% | 3 |
| Longview Bank | $75,860,000 | 10.3% | 3 |
| Villa Grove State Bank | $74,713,000 | 10.2% | 2 |
| First State Bank and Trust | $28,922,000 | 3.9% | 1 |
Deposit concentration is 1,500 across 8 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 25.2² + 14.5² + 12.2² + … (5 more) = 1,500
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 | $91,346,609 |
| Department of Veterans Affairs | $9,713,175 |
| Department of Agriculture | $4,089,175 |
| Railroad Retirement Board | $2,297,084 |
| Department of Education | $40,079 |
| Federal Communications Commission | $15,689 |
| Department of Housing and Urban Development | $2,028 |
| Small Business Administration | $0 |
| Department of Transportation | -$8,795 |
| Environmental Protection Agency | -$121,394 |
That is $14,139 per covered job, against 7,594 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $107.4 m / 7,594 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,139
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 #
Douglas County, IL: 12 findings, 4 at a watch level and 8 noted
watchDouglas County, IL's covered employment is -0.5% 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 = -0.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchDouglas County, IL's typical home value of $161,340 scores 20 on the 0-to-100 scale across US counties but 53 across Illinois counties, a gap of 34 points.
Period 2026-08.Show the arithmetic
- 34 = |20 across US counties - 53 across Illinois counties|
position among the entities that published this metric this period; not an official level
watchDouglas County, IL's years of wages of 2.8 scores 15 on the 0-to-100 scale across US counties but 48 across Illinois counties, a gap of 33 points.
Period 2026-08.Show the arithmetic
- 33 = |15 across US counties - 48 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
watchDouglas County, IL's typical asking rent of $1,210 scores 23 on the 0-to-100 scale across US counties but 55 across Illinois counties, a gap of 31 points.
Period 2026-08.Show the arithmetic
- 31 = |23 across US counties - 55 across Illinois counties|
position among the entities that published this metric this period; not an official level
noteDouglas County, IL's average weekly wage was 4.5% 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
- +4.5 % = 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 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.