Hancock County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.40, -91.17.
Assembled 2026-10-06. Read the brief.
- 5th pct · 2,903rd of 3,063 US counties · median $234,566
- 17th pct · 84th of 102 Illinois counties · median $158,585
- 56th pct · 1,337th of 3,063 US counties · median +2.9%
- 31st pct · 70th of 102 Illinois counties · median +5.2%
- US counties: not published this period
- Illinois counties: not published this period
- 33rd pct · 2,153rd of 3,221 US counties · median 8,232
- 29th pct · 72nd of 102 Illinois counties · median 7,611
- 24th pct · 2,418th of 3,221 US counties · median $1,039
- 17th pct · 84th of 102 Illinois counties · median $1,061
- 8th pct · 2,803rd of 3,063 US counties · median 4.3
- 26th pct · 75th 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 $114,235 (Aug 2026), +3.5% over one year, +8.3% over five
- 5th pct · 2,903rd of 3,063 US counties · median $234,566
- 17th pct · 84th of 102 Illinois counties · median $158,585
| Item | Value | Distance |
|---|---|---|
| Hancock County, IL | $114,235 · +3.5% 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 $625 a month on $114,235 at 7.28%, against an average weekly wage worth $4,021 a month: 15.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $114,235 × 80% = $91,388, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $625/mo principal and interest
- wage share = payment / (avg weekly wage $928 × 52 / 12 = $4,021) = 16% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $114,235 / ($928 × 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 #
4,247 jobs at 411 employers (2026 Q1); -1.1% jobs and +3.8% average weekly wage over the year
- 33rd pct · 2,153rd of 3,221 US counties · median 8,232
- 29th pct · 72nd of 102 Illinois counties · median 7,611
| Item | Value | Distance |
|---|---|---|
| Hancock County, IL | 4,247 jobs · $928/wk · -1.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 542 | $1,049 | 0.85 | +0.0% |
| Retail trade | 443 | $816 | 1.07 | -7.1% |
| Accommodation and food services | 296 | $338 | 0.78 | +0.3% |
| Construction | 265 | $1,367 | 1.19 | -10.2% |
| Manufacturing | 250 | $1,010 | 0.73 | -4.6% |
| Wholesale trade | 186 | $1,089 | 1.14 | -6.1% |
| Professional and technical services | 115 | $1,241 | 0.39 | -2.5% |
| Other services | 83 | $698 | 0.65 | +3.8% |
| Transportation and warehousing | 59 | $1,108 | 0.33 | -10.6% |
| Utilities | 32 | $2,291 | 1.91 | +0.0% |
| Educational services | 32 | $324 | 0.35 | +0.0% |
| Information | 28 | $1,104 | 0.36 | +3.7% |
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 #
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) | 98 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 #
18 gauges · 0 flooding · 2 with quality panels averaging 95 % · 2 stale
Sites found: 18, 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 Keokuk, IA | turb. 54.4 FNU · quality 90 % (5) | 17 km |
| LA MOINE RIVER AT COLMAR, IL | flow 277.0 ft³/s | 24 km |
| BEAR CREEK NEAR MARCELLINE, IL | flow 27.4 ft³/s | 32 km |
| Des Moines River at St. Francisville, MO | flow 28,200 ft³/s | 34 km |
| Fox River at Wayland, MO | flow 112.0 ft³/s | 36 km |
| Skunk River at Augusta, IA | flow 19,400 ft³/s | 40 km |
| Wyaconda River above Canton, MO | flow 104.0 ft³/s | 44 km |
| North Fabius River at Monticello, MO | flow 19.0 ft³/s · STALE | 57 km |
| North Fabius River near Ewing, MO | flow 184.0 ft³/s | 57 km |
| Middle Fabius River near Monticello, MO | flow 5.10 ft³/s · STALE | 59 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 #
5 wells in 2 named aquifers: Mississippian aquifers, Mississippi River Valley alluvial aquifer
Sites found: 5, 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-402356091344001 | depth 42.7 ft · 2010-12-20 | 35 km |
| USGS-403504091414501 | depth 22.8 ft · 2013-06-09 | 49 km |
| Mississippian aquifers | depth 100.5 ft · 2026-10-05 | 49 km |
| Mississippian aquifers | depth 63.1 ft · 2026-10-05 | 61 km |
| Mississippi River Valley alluvial aquifer | depth 15.5 ft · 2026-10-05 | 66 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 (0.02)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.05 / 0.55
Banks & federal dollars #
$760.1 m in deposits at 14 offices of 7 banks (SOD June 2026); HHI 2,799, highly concentrated. $135.7 m federal obligations in FY2026 (direct payments $131.3 m, grants $4.3 m), $31,945 per covered job
| Item | Value | Distance |
|---|---|---|
| United Community Bank | $294.1 m · 38.7% share · 3 offices | |
| Fortress Bank | $255.1 m · 33.6% share · 5 offices | |
| The Bank of Advance | $61.4 m · 8.1% share · 1 office | |
| Hancock, IL | $135.7 m FY2026 · $31,945/job | |
| MULTIPLE RECIPIENTS | $121.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| United Community Bank | $294,060,000 | 38.7% | 3 |
| Fortress Bank | $255,147,000 | 33.6% | 5 |
| The Bank of Advance | $61,424,000 | 8.1% | 1 |
| Town & Country Bank Midwest | $49,986,000 | 6.6% | 1 |
| First Bankers Trust Company, National Association | $49,690,000 | 6.5% | 1 |
| State Bank of Nauvoo | $34,362,000 | 4.5% | 2 |
| Bank of Stronghurst | $15,428,000 | 2.0% | 1 |
Deposit concentration is 2,799 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 38.7² + 33.6² + 8.1² + … (4 more) = 2,799
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 | $106,849,613 |
| Department of Veterans Affairs | $11,536,399 |
| Department of Agriculture | $11,201,681 |
| Railroad Retirement Board | $2,786,984 |
| Department of Transportation | $2,637,073 |
| Department of Housing and Urban Development | $271,645 |
| Department of Health and Human Services | $145,984 |
| Federal Communications Commission | $121,416 |
| Department of Education | $120,540 |
| Small Business Administration | $0 |
That is $31,945 per covered job, against 4,247 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $135.7 m / 4,247 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $31,945
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 #
Hancock County, IL: 8 findings, 2 at a watch level and 6 noted
watchHancock County, IL's covered employment is -1.1% 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 = -1.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchHancock County, IL's typical home value is -1.1% against the previous month, a watch level here: typical home value at least 1 percent below the previous month (arithmetic on the Zillow ZHVI month columns; 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 2026-08.Show the arithmetic
- test: home.momPct = -1.1137741807257477 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZHVI month columns; convention chosen for this dashboard, not an official level
noteHancock County, IL's average weekly wage was 3.8% 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
- +3.8 % = 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
noteHancock County, IL's typical home value fell 1.1% from $115,522 in July 2026 to $114,235 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -1.1% = (114235.32717887864 - 115521.98117830546) / 115521.98117830546 × 100
- 114235.32717887864 = Zillow ZHVI, 2026-08
- 115521.98117830546 = Zillow ZHVI, 2026-07
noteHancock County, IL's covered employment was 1.1% 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
- -1.1 % = 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
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.