Henderson County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.81, -90.94.
Assembled 2026-10-06. Read the brief.
- 8th pct · 2,794th of 3,063 US counties · median $234,566
- 27th pct · 74th of 102 Illinois counties · median $158,585
- 74th pct · 795th of 3,063 US counties · median +2.9%
- 50th pct · 51st of 102 Illinois counties · median +5.2%
- US counties: not published this period
- Illinois counties: not published this period
- 7th pct · 2,978th of 3,221 US counties · median 8,232
- 6th pct · 95th of 102 Illinois counties · median 7,611
- 3rd pct · 3,112th of 3,221 US counties · median $1,039
- 0th pct · 101st of 102 Illinois counties · median $1,061
- 27th pct · 2,206th of 3,063 US counties · median 4.3
- 69th pct · 32nd 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 $128,923 (Aug 2026), +5.2% over one year, +2.0% over five
- 8th pct · 2,794th of 3,063 US counties · median $234,566
- 27th pct · 74th of 102 Illinois counties · median $158,585
| Item | Value | Distance |
|---|---|---|
| Henderson County, IL | $128,923 · +5.2% 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 $706 a month on $128,923 at 7.28%, against an average weekly wage worth $3,220 a month: 21.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $128,923 × 80% = $103,139, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $706/mo principal and interest
- wage share = payment / (avg weekly wage $743 × 52 / 12 = $3,220) = 22% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $128,923 / ($743 × 52) = 3.3
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 #
1,089 jobs at 140 employers (2026 Q1); -4.4% jobs and +10.2% average weekly wage over the year
- 7th pct · 2,978th of 3,221 US counties · median 8,232
- 6th pct · 95th of 102 Illinois counties · median 7,611
| Item | Value | Distance |
|---|---|---|
| Henderson County, IL | 1,089 jobs · $743/wk · -4.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 152 | $916 | 0.93 | +0.7% |
| Retail trade | 114 | $419 | 1.07 | +0.0% |
| Wholesale trade | 100 | $901 | 2.40 | -3.8% |
| Finance and insurance | 91 | $1,062 | 2.05 | +0.0% |
| Professional and technical services | 41 | $767 | 0.55 | +17.1% |
| Transportation and warehousing | 14 | $1,013 | 0.31 | -46.2% |
| Administrative and waste services | 13 | $795 | 0.21 | +0.0% |
| Real estate and rental | 6 | $547 | 0.36 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Construction | withheld | |||
| Manufacturing | 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 #
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 | 1,044 Acre-ft (USGS, no capacity on file) | 148 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 #
29 gauges · 3 flooding · 5 with quality panels averaging 98 % · 3 stale
Sites found: 29, 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 |
|---|---|---|
| Cedar River near Conesville, IA | flow 27,400 ft³/s · MINOR flooding | 72 km |
| Iowa River at Wapello, IA | flow 39,500 ft³/s · quality 100 % (1) · MINOR flooding | 45 km |
| Iowa River at Oakville, IA | flow 39,800 ft³/s · MINOR flooding | 34 km |
| Mississippi River at Gladstone | no flooding | 10 km |
| Mississippi River at Burlington | no flooding | 13 km |
| HENDERSON CREEK NEAR OQUAWKA, IL | flow 588.0 ft³/s · no flooding | 22 km |
| Skunk River at Augusta, IA | flow 18,000 ft³/s · no flooding | 29 km |
| Mississippi River at Keithsburg | no flooding | 32 km |
| POPE CREEK NEAR KEITHSBURG, IL | flow 237.0 ft³/s · no flooding | 35 km |
| Mississippi River at Fort Madison | ACTION stage | 36 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 #
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 (0.01)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.02 / 0.55
Banks & federal dollars #
$246.8 m in deposits at 5 offices of 4 banks (SOD June 2026); HHI 3,322, highly concentrated. $60.9 m federal obligations in FY2026 (direct payments $51.4 m, grants $9.4 m), $55,920 per covered job
| Item | Value | Distance |
|---|---|---|
| Raritan State Bank | $115.4 m · 46.8% share · 1 office | |
| Bank of Stronghurst | $62.4 m · 25.3% share · 2 offices | |
| Midwest Bank | $52.4 m · 21.2% share · 1 office | |
| Henderson, IL | $60.9 m FY2026 · $55,920/job | |
| MULTIPLE RECIPIENTS | $43.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Raritan State Bank | $115,402,000 | 46.8% | 1 |
| Bank of Stronghurst | $62,401,000 | 25.3% | 2 |
| Midwest Bank | $52,443,000 | 21.2% | 1 |
| Security Savings Bank | $16,569,000 | 6.7% | 1 |
Deposit concentration is 3,322 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 46.8² + 25.3² + 21.2² + … (1 more) = 3,322
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 | $36,741,644 |
| Department of Agriculture | $8,178,197 |
| Department of Transportation | $6,876,583 |
| Department of Veterans Affairs | $4,464,840 |
| Railroad Retirement Board | $2,516,974 |
| Department of Health and Human Services | $1,639,356 |
| Federal Communications Commission | $204,707 |
| Department of Housing and Urban Development | $166,765 |
| Department of the Interior | $65,035 |
| Department of Commerce | $42,860 |
That is $55,920 per covered job, against 1,089 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $60.9 m / 1,089 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $55,920
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 #
Henderson County, IL: 13 findings, 1 at an alert level, 2 at a watch level and 10 noted
alertHenderson County, IL's covered employment is -4.4% 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 = -4.4 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchHenderson County, IL's covered employment is -4.4% 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 = -4.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchHenderson County, IL's years of wages of 3.3 scores 28 on the 0-to-100 scale across US counties but 69 across Illinois counties, a gap of 41 points.
Period 2026-08.Show the arithmetic
- 41 = |28 across US counties - 69 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
noteHenderson County, IL's average weekly wage was 10.2% 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
- +10.2 % = 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
noteHenderson County, IL's covered employment was 4.4% 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
- -4.4 % = 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
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.