Franklin County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.99, -88.93.
Assembled 2026-10-06. Read the brief.
- 2nd pct · 2,975th of 3,063 US counties · median $234,566
- 7th pct · 94th of 102 Illinois counties · median $158,585
- 60th pct · 1,213th of 3,063 US counties · median +2.9%
- 34th pct · 67th of 102 Illinois counties · median +5.2%
- US counties: not published this period
- Illinois counties: not published this period
- 51st pct · 1,564th of 3,221 US counties · median 8,232
- 54th pct · 47th of 102 Illinois counties · median 7,611
- 22nd pct · 2,498th of 3,221 US counties · median $1,039
- 16th pct · 85th of 102 Illinois counties · median $1,061
- 5th pct · 2,901st of 3,063 US counties · median 4.3
- 16th pct · 85th 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 $101,701 (Aug 2026), +3.9% over one year, -17.4% over five
- 2nd pct · 2,975th of 3,063 US counties · median $234,566
- 7th pct · 94th of 102 Illinois counties · median $158,585
| Item | Value | Distance |
|---|---|---|
| Franklin County, IL | $101,701 · +3.9% 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 #
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 $557 a month on $101,701 at 7.28%, against an average weekly wage worth $3,974 a month: 14.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $101,701 × 80% = $81,361, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $557/mo principal and interest
- wage share = payment / (avg weekly wage $917 × 52 / 12 = $3,974) = 14% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $101,701 / ($917 × 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 #
8,600 jobs at 700 employers (2026 Q1); -3.6% jobs and +0.3% average weekly wage over the year
- 51st pct · 1,564th of 3,221 US counties · median 8,232
- 54th pct · 47th of 102 Illinois counties · median 7,611
| Item | Value | Distance |
|---|---|---|
| Franklin County, IL | 8,600 jobs · $917/wk · -3.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 1,457 | $995 | 1.13 | -0.7% |
| Retail trade | 1,133 | $665 | 1.35 | -1.3% |
| Accommodation and food services | 918 | $357 | 1.19 | -8.3% |
| Manufacturing | 446 | $1,077 | 0.64 | -6.5% |
| Construction | 416 | $1,069 | 0.92 | +0.0% |
| Finance and insurance | 365 | $1,334 | 1.04 | -17.0% |
| Other services | 365 | $815 | 1.42 | +0.0% |
| Wholesale trade | 284 | $1,140 | 0.86 | +5.2% |
| Administrative and waste services | 283 | $955 | 0.58 | -3.7% |
| Professional and technical services | 156 | $1,107 | 0.26 | +4.0% |
| Information | 119 | $849 | 0.75 | +0.0% |
| Real estate and rental | 39 | $890 | 0.30 | -9.3% |
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 #
D0 abnormally dry
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 #
23 gauges · 0 flooding · 2 with quality panels averaging 85 % · 8 stale
Sites found: 23, 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 |
|---|---|---|
| BIG MUDDY RIVER BELOW REND LAKE NR BENTON, IL | flow 34.1 ft³/s | 5 km |
| BIG MUDDY RIVER AT PLUMFIELD, IL | flow 65.9 ft³/s | 14 km |
| MIDDLE FORK BIG MUDDY RIVER NEAR MACEDONIA, IL | flow 7.58 ft³/s · STALE | 16 km |
| BIG MUDDY SUBIMPOUNDMENT NEAR WALTONVILLE, IL | stage 6.77 ft · STALE | 22 km |
| CASEY FORK SUBIMPOUNDMENT NEAR BONNIE, IL | stage 8.71 ft · STALE | 22 km |
| CRAB ORCHARD CREEK NEAR MARION, IL | flow 0.08 ft³/s | 29 km |
| RAYSE CREEK NEAR WALTONVILLE, IL | flow 0.00 ft³/s | 31 km |
| CASEY FORK AT MOUNT VERNON, IL | flow 2.82 ft³/s | 33 km |
| BIG MUDDY RIVER NEAR MT. VERNON, IL | stage -0.11 ft · STALE | 36 km |
| BIG MUDDY RIVER AT RTE 127 AT MURPHYSBORO, IL | flow -578.0 ft³/s · quality 80 % (5) | 44 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 #
2 wells in 0 named aquifers:
Sites found: 2, 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-374453088261701 | depth 9.92 ft · 2026-10-05 | 51 km |
| USGS-383048089263201 | depth 4.82 ft · 2024-06-27 | 73 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 (0.05)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.15 / 0.55
Banks & federal dollars #
$826.1 m in deposits at 17 offices of 9 banks (SOD June 2026); HHI 1,943, highly concentrated. $307.8 m federal obligations in FY2026 (direct payments $252.8 m, grants $53.7 m), $35,793 per covered job
| Item | Value | Distance |
|---|---|---|
| Banterra Bank | $271.9 m · 32.9% share · 2 offices | |
| State Bank of Whittington | $159.7 m · 19.3% share · 5 offices | |
| Peoples National Bank , N.A. | $123.5 m · 14.9% share · 2 offices | |
| Franklin, IL | $307.8 m FY2026 · $35,793/job | |
| MULTIPLE RECIPIENTS | $243.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Banterra Bank | $271,927,000 | 32.9% | 2 |
| State Bank of Whittington | $159,688,000 | 19.3% | 5 |
| Peoples National Bank , N.A. | $123,450,000 | 14.9% | 2 |
| Southern Illinois Bank | $88,063,000 | 10.7% | 3 |
| U.S. Bank National Association | $70,805,000 | 8.6% | 1 |
| Legence Bank | $56,246,000 | 6.8% | 1 |
| First Financial Bank, National Association | $42,597,000 | 5.2% | 1 |
| First Southern Bank | $13,293,000 | 1.6% | 1 |
| Du Quoin State Bank | $0 | 0.0% | 1 |
Deposit concentration is 1,943 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 32.9² + 19.3² + 14.9² + … (5 more) = 1,943
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 | $211,092,892 |
| Department of Transportation | $45,092,714 |
| Department of Veterans Affairs | $30,251,023 |
| Department of Agriculture | $8,578,407 |
| Department of Housing and Urban Development | $4,772,963 |
| Department of Health and Human Services | $3,982,858 |
| Railroad Retirement Board | $2,252,067 |
| Department of Defense | $990,877 |
| Federal Communications Commission | $424,047 |
| General Services Administration | $224,799 |
| Department of Education | $157,320 |
| Department of Justice | $0 |
That is $35,793 per covered job, against 8,600 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $307.8 m / 8,600 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $35,793
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 | 2026-10-06 | +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 #
Franklin County, IL: 11 findings, 1 at an alert level, 1 at a watch level and 9 noted
alertFranklin County, IL's covered employment is -3.6% 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 = -3.6 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchFranklin County, IL's covered employment is -3.6% 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 = -3.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteFranklin County, IL's covered employment was 3.6% 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
- -3.6 % = 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
noteFranklin County, IL's typical home value rose 1.3% from $100,444 in July 2026 to $101,701 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +1.3% = (101700.96964746954 - 100443.58547758665) / 100443.58547758665 × 100
- 101700.96964746954 = Zillow ZHVI, 2026-08
- 100443.58547758665 = Zillow ZHVI, 2026-07
noteFranklin County, IL's average weekly wage was 0.3% 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
- +0.3 % = 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
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.