Grundy County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.29, -88.40.
Assembled 2026-10-07. Read the brief.
- 74th pct · 777th of 3,063 US counties · median $234,566
- 92nd pct · 9th of 102 Illinois counties · median $158,585
- 33rd pct · 9th of 13 counties in the Chicago-Naperville-Elgin metro · median $341,570
- 57th pct · 1,306th of 3,063 US counties · median +2.9%
- 32nd pct · 69th of 102 Illinois counties · median +5.2%
- 41st pct · 8th of 13 counties in the Chicago-Naperville-Elgin metro · median +3.8%
- 40th pct · 829th of 1,399 US counties · median $1,496
- 75th pct · 9th of 34 Illinois counties · median $1,181
- 0th pct · 11th of 11 counties in the Chicago-Naperville-Elgin metro · median $2,122
- 74th pct · 837th of 3,221 US counties · median 8,232
- 75th pct · 26th of 102 Illinois counties · median 7,611
- 16th pct · 11th of 13 counties in the Chicago-Naperville-Elgin metro · median 94,945
- 92nd pct · 253rd of 3,221 US counties · median $1,039
- 93rd pct · 8th of 102 Illinois counties · median $1,061
- 75th pct · 4th of 13 counties in the Chicago-Naperville-Elgin metro · median $1,235
- 48th pct · 1,591st of 3,063 US counties · median 4.3
- 86th pct · 15th of 102 Illinois counties · median 2.8
- 25th pct · 10th of 13 counties in the Chicago-Naperville-Elgin metro · median 5.0
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 $323,639 (Aug 2026), +3.6% over one year, +27.5% over five
- 74th pct · 777th of 3,063 US counties · median $234,566
- 92nd pct · 9th of 102 Illinois counties · median $158,585
- 33rd pct · 9th of 13 counties in the Chicago-Naperville-Elgin metro · median $341,570
| Item | Value | Distance |
|---|---|---|
| Grundy County, IL | $323,639 · +3.6% 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 $1,393/mo (Aug 2026), +4.3% over one year; price-to-rent 19.4
- 40th pct · 829th of 1,399 US counties · median $1,496
- 75th pct · 9th of 34 Illinois counties · median $1,181
- 0th pct · 11th of 11 counties in the Chicago-Naperville-Elgin metro · median $2,122
| Item | Value | Distance |
|---|---|---|
| Grundy County, IL | $1,393/mo · +4.3% 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 $1,772 a month on $323,639 at 7.28%, against an average weekly wage worth $6,422 a month: 27.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $323,639 × 80% = $258,911, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,772/mo principal and interest
- wage share = payment / (avg weekly wage $1,482 × 52 / 12 = $6,422) = 28% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $323,639 / ($1,482 × 52) = 4.2
- price-to-rent = $323,639 / ($1,393 × 12) = 19.4
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 #
23,243 jobs at 1,208 employers (2026 Q1); +6.4% jobs and -3.3% average weekly wage over the year
- 74th pct · 837th of 3,221 US counties · median 8,232
- 75th pct · 26th of 102 Illinois counties · median 7,611
- 16th pct · 11th of 13 counties in the Chicago-Naperville-Elgin metro · median 94,945
| Item | Value | Distance |
|---|---|---|
| Grundy County, IL | 23,243 jobs · $1,482/wk · +6.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 5,156 | $891 | 2.28 | +10.4% |
| Health care and social assistance | 2,567 | $1,324 | 0.73 | +1.4% |
| Transportation and warehousing | 2,359 | $1,338 | 2.41 | +22.2% |
| Construction | 1,730 | $1,691 | 1.42 | +18.1% |
| Accommodation and food services | 1,607 | $404 | 0.77 | +5.2% |
| Manufacturing | 1,165 | $2,301 | 0.62 | +0.0% |
| Administrative and waste services | 977 | $1,575 | 0.74 | +10.3% |
| Other services | 554 | $989 | 0.80 | +0.0% |
| Educational services | 330 | $693 | 0.66 | +0.6% |
| Finance and insurance | 328 | $1,475 | 0.35 | +0.0% |
| Real estate and rental | 277 | $1,408 | 0.78 | -3.1% |
| Mining, oil and gas | 208 | $3,915 | 2.51 | -1.0% |
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 #
$1.7 bn in deposits at 19 offices of 12 banks (SOD June 2026); HHI 1,513, moderately concentrated. $41.8 m federal obligations in FY2026 (grants $41.0 m, contracts $591,300), $1,798 per covered job
| Item | Value | Distance |
|---|---|---|
| Old National Bank | $407.2 m · 23.9% share · 4 offices | |
| Grundy Bank | $363.3 m · 21.3% share · 3 offices | |
| Busey Bank | $257.9 m · 15.1% share · 2 offices | |
| Grundy, IL | $41.8 m FY2026 · $1,798/job | |
| MULTIPLE RECIPIENTS | $272.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Old National Bank | $407,216,000 | 23.9% | 4 |
| Grundy Bank | $363,260,000 | 21.3% | 3 |
| Busey Bank | $257,916,000 | 15.1% | 2 |
| BMO Bank National Association | $195,671,000 | 11.5% | 2 |
| JPMorgan Chase Bank, National Association | $119,003,000 | 7.0% | 1 |
| Midland States Bank | $104,476,000 | 6.1% | 1 |
| OSB Community Bank | $58,646,000 | 3.4% | 1 |
| Heartland Bank and Trust Company | $44,263,000 | 2.6% | 1 |
| American Commercial Bank & Trust, National Association | $42,876,000 | 2.5% | 1 |
| First Secure Community Bank | $39,513,000 | 2.3% | 1 |
Deposit concentration is 1,513 across 12 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 12 banks with deposits in the county = 23.9² + 21.3² + 15.1² + … (9 more) = 1,513
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 | $247,814,601 |
| Department of Transportation | $40,537,911 |
| Department of Veterans Affairs | $22,792,092 |
| Department of Agriculture | $12,968,059 |
| Railroad Retirement Board | $2,361,550 |
| Department of Housing and Urban Development | $1,611,067 |
| Federal Communications Commission | $766,220 |
| Department of Education | $135,995 |
| Department of Justice | $56,096 |
| Department of Defense | $38,458 |
| Small Business Administration | $0 |
| Department of Health and Human Services | $0 |
That is $1,798 per covered job, against 23,243 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $41.8 m / 23,243 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $1,798
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 | 3.00 | 2026-10-06 | -50.0% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| 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 | -105,572.00 | 2026-08-01 | -13.7% |
| 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 #
Grundy County, IL: 18 findings, 3 at a watch level and 15 noted
watchGrundy County, IL's average weekly wage is -3.3% 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 = -3.3 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchGrundy County, IL's years of wages of 4.2 scores 48 on the 0-to-100 scale across US counties but 86 across Illinois counties, a gap of 38 points.
Period 2026-08.Show the arithmetic
- 38 = |48 across US counties - 86 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
watchGrundy County, IL's typical asking rent of $1,393 scores 41 on the 0-to-100 scale across US counties but 76 across Illinois counties, a gap of 35 points.
Period 2026-08.Show the arithmetic
- 35 = |41 across US counties - 76 across Illinois counties|
position among the entities that published this metric this period; not an official level
noteGrundy County, IL's covered employment was 6.4% 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
- +6.4 % = 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
noteGrundy County, IL's average weekly wage was 3.3% 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
- -3.3 % = 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 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.