Greene County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.36, -90.39.
Assembled 2026-10-06. Read the brief.
- 4th pct · 2,937th of 3,063 US counties · median $234,566
- 12th pct · 89th of 102 Illinois counties · median $158,585
- 33rd pct · 2,042nd of 3,063 US counties · median +2.9%
- 15th pct · 86th of 102 Illinois counties · median +5.2%
- US counties: not published this period
- Illinois counties: not published this period
- 17th pct · 2,644th of 3,221 US counties · median 8,232
- 14th pct · 87th of 102 Illinois counties · median 7,611
- 13th pct · 2,778th of 3,221 US counties · median $1,039
- 3rd pct · 98th of 102 Illinois counties · median $1,061
- 9th pct · 2,787th of 3,063 US counties · median 4.3
- 28th pct · 73rd 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 $108,174 (Aug 2026), +1.5% over one year, +4.4% over five
- 4th pct · 2,937th of 3,063 US counties · median $234,566
- 12th pct · 89th of 102 Illinois counties · median $158,585
| Item | Value | Distance |
|---|---|---|
| Greene County, IL | $108,174 · +1.5% 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 $592 a month on $108,174 at 7.28%, against an average weekly wage worth $3,748 a month: 15.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $108,174 × 80% = $86,539, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $592/mo principal and interest
- wage share = payment / (avg weekly wage $865 × 52 / 12 = $3,748) = 16% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $108,174 / ($865 × 52) = 2.4
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 #
2,192 jobs at 247 employers (2026 Q1); -1.2% jobs and +3.1% average weekly wage over the year
- 17th pct · 2,644th of 3,221 US counties · median 8,232
- 14th pct · 87th of 102 Illinois counties · median 7,611
| Item | Value | Distance |
|---|---|---|
| Greene County, IL | 2,192 jobs · $865/wk · -1.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 255 | $619 | 1.19 | -1.9% |
| Wholesale trade | 173 | $1,951 | 2.06 | +5.5% |
| Agriculture, forestry, fishing | 110 | $992 | 6.95 | -5.2% |
| Construction | 78 | $785 | 0.68 | -18.8% |
| Administrative and waste services | 72 | $866 | 0.58 | +1.4% |
| Other services | 60 | $722 | 0.92 | +7.1% |
| Manufacturing | 40 | $701 | 0.23 | -2.4% |
| Information | 3 | $5,353 | 0.07 | +0.0% |
| Utilities | withheld | |||
| Transportation and warehousing | withheld | |||
| Finance and insurance | withheld | |||
| Real estate and rental | 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 #
D1 moderate drought
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 #
1 USGS reservoir gauges, no capacity figures to weight
Sites found: 1, 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.
| Site | Reading | Distance |
|---|---|---|
| Monroe City Lake near Monroe City, MO | 1,046 Acre-ft (USGS, no capacity on file) | 113 km |
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 #
44 gauges · 1 flooding · 4 with quality panels averaging 83 % · 10 stale
Sites found: 44, 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 |
|---|---|---|
| Mississippi River at Louisiana | MINOR flooding | 58 km |
| ILLINOIS RIVER AT FLORENCE, IL | stage 20.6 ft · quality 80 % (5) | 36 km |
| USGS-05587498 | stage 15.5 ft · quality 80 % (5) · no flooding | 55 km |
| USGS-05587000 | flow 9.84 ft³/s | 14 km |
| USGS-05587060 | stage 19.6 ft · no flooding · STALE | 29 km |
| MACOUPIN CREEK AT HWY 111 NR SUMMERVILLE, IL | flow 20.9 ft³/s · STALE | 30 km |
| Mississippi River at Mozier Landing | no readings | 31 km |
| USGS-05587450 | flow 220,000 ft³/s · no flooding | 43 km |
| ILLINOIS RIVER AT VALLEY CITY, IL | flow 29,300 ft³/s · no flooding | 44 km |
| Mississippi River at Clarksville Lock and Dam 24 | ACTION stage | 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 #
11 wells in 2 named aquifers: Cambrian-Ordovician aquifer system, Mississippi River Valley alluvial aquifer
Sites found: 11, 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-393750090333101 | depth 8.76 ft · 2026-10-05 | 34 km |
| Cambrian-Ordovician aquifer system | depth 62.3 ft · 2026-10-05 | 45 km |
| Cambrian-Ordovician aquifer system | depth 297.3 ft · 2026-10-05 | 58 km |
| Mississippi River Valley alluvial aquifer | depth 20.5 ft · 2026-10-05 | 64 km |
| Cambrian-Ordovician aquifer system | depth 97.5 ft · 2026-10-05 | 66 km |
| Cambrian-Ordovician aquifer system | depth 195.3 ft · 2026-10-05 | 66 km |
| Cambrian-Ordovician aquifer system | depth 336.2 ft · 2026-09-27 | 67 km |
| USGS-384659090003701 | depth 35.9 ft · 2012-10-24 | 72 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 (0.22)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.18 / 0.55
Banks & federal dollars #
$428.7 m in deposits at 6 offices of 5 banks (SOD June 2026); HHI 3,368, highly concentrated. $74.4 m federal obligations in FY2026 (direct payments $73.1 m, grants $1.3 m), $33,957 per covered job
| Item | Value | Distance |
|---|---|---|
| Carrollton Bank | $221.4 m · 51.6% share · 1 office | |
| United Community Bank | $86.6 m · 20.2% share · 2 offices | |
| Heartland Bank and Trust Company | $58.2 m · 13.6% share · 1 office | |
| Greene, IL | $74.4 m FY2026 · $33,957/job | |
| MULTIPLE RECIPIENTS | $69.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Carrollton Bank | $221,437,000 | 51.6% | 1 |
| United Community Bank | $86,625,000 | 20.2% | 2 |
| Heartland Bank and Trust Company | $58,193,000 | 13.6% | 1 |
| Farmers State Bank | $35,626,000 | 8.3% | 1 |
| Peoples Bank & Trust | $26,860,000 | 6.3% | 1 |
Deposit concentration is 3,368 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 51.6² + 20.2² + 13.6² + … (2 more) = 3,368
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 | $61,613,565 |
| Department of Veterans Affairs | $6,815,456 |
| Department of Agriculture | $2,881,584 |
| Railroad Retirement Board | $1,320,673 |
| Department of Transportation | $829,468 |
| Department of Housing and Urban Development | $682,815 |
| Federal Communications Commission | $215,926 |
| Department of Education | $58,469 |
| Department of Health and Human Services | $15,992 |
That is $33,957 per covered job, against 2,192 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $74.4 m / 2,192 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $33,957
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 #
Greene County, IL: 8 findings, 1 at a watch level and 7 noted
watchGreene County, IL's covered employment is -1.2% 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 = -1.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteGreene County, IL's average weekly wage was 3.1% 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
- +3.1 % = 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
noteGreene County, IL's covered employment was 1.2% 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
- -1.2 % = 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
noteGreene County, IL's typical home value fell 0.5% from $108,740 in July 2026 to $108,174 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.5% = (108173.74668467893 - 108740.3715072079) / 108740.3715072079 × 100
- 108173.74668467893 = Zillow ZHVI, 2026-08
- 108740.3715072079 = Zillow ZHVI, 2026-07
noteGreene County, IL's average weekly wage of $865 ranks 98th of 102 Illinois counties, against a median of $1,061.
Period 2026 Q1.Show the arithmetic
- 4 on the 0-to-100 scale across 102 Illinois counties that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
Read all 8 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.