Henry County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.35, -90.13.
Assembled 2026-10-06. Read the brief.
- 25th pct · 2,287th of 3,063 US counties · median $234,566
- 64th pct · 37th of 102 Illinois counties · median $158,585
- counties in the Davenport-Moline-Rock Island metro: Rank context is unavailable: the manifest lists 4 counties in the Davenport-Moline-Rock Island metro; fewer than 5 is too few to rank.
- 92nd pct · 218th of 3,063 US counties · median +2.9%
- 85th pct · 16th of 102 Illinois counties · median +5.2%
- counties in the Davenport-Moline-Rock Island metro: Rank context is unavailable: the manifest lists 4 counties in the Davenport-Moline-Rock Island metro; fewer than 5 is too few to rank.
- 0th pct · 1,396th of 1,399 US counties · median $1,496
- 0th pct · 34th of 34 Illinois counties · median $1,181
- counties in the Davenport-Moline-Rock Island metro: Rank context is unavailable: the manifest lists 4 counties in the Davenport-Moline-Rock Island metro; fewer than 5 is too few to rank.
- 62nd pct · 1,222nd of 3,221 US counties · median 8,232
- 66th pct · 35th of 102 Illinois counties · median 7,611
- counties in the Davenport-Moline-Rock Island metro: Rank context is unavailable: the manifest lists 4 counties in the Davenport-Moline-Rock Island metro; fewer than 5 is too few to rank.
- 39th pct · 1,945th of 3,221 US counties · median $1,039
- 33rd pct · 68th of 102 Illinois counties · median $1,061
- counties in the Davenport-Moline-Rock Island metro: Rank context is unavailable: the manifest lists 4 counties in the Davenport-Moline-Rock Island metro; fewer than 5 is too few to rank.
- 28th pct · 2,183rd of 3,063 US counties · median 4.3
- 74th pct · 27th of 102 Illinois counties · median 2.8
- counties in the Davenport-Moline-Rock Island metro: Rank context is unavailable: the manifest lists 4 counties in the Davenport-Moline-Rock Island metro; fewer than 5 is too few to rank.
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 $173,741 (Aug 2026), +8.7% over one year, +27.5% over five
- 25th pct · 2,287th of 3,063 US counties · median $234,566
- 64th pct · 37th of 102 Illinois counties · median $158,585
- counties in the Davenport-Moline-Rock Island metro: Rank context is unavailable: the manifest lists 4 counties in the Davenport-Moline-Rock Island metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Henry County, IL | $173,741 · +8.7% 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 $650/mo (Aug 2026), n/a over one year; price-to-rent 22.3
- 0th pct · 1,396th of 1,399 US counties · median $1,496
- 0th pct · 34th of 34 Illinois counties · median $1,181
- counties in the Davenport-Moline-Rock Island metro: Rank context is unavailable: the manifest lists 4 counties in the Davenport-Moline-Rock Island metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Henry County, IL | $650/mo · n/a 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 $951 a month on $173,741 at 7.28%, against an average weekly wage worth $4,303 a month: 22.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $173,741 × 80% = $138,992, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $951/mo principal and interest
- wage share = payment / (avg weekly wage $993 × 52 / 12 = $4,303) = 22% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $173,741 / ($993 × 52) = 3.4
- price-to-rent = $173,741 / ($650 × 12) = 22.3
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 #
13,405 jobs at 1,018 employers (2026 Q1); -2.1% jobs and +0.1% average weekly wage over the year
- 62nd pct · 1,222nd of 3,221 US counties · median 8,232
- 66th pct · 35th of 102 Illinois counties · median 7,611
- counties in the Davenport-Moline-Rock Island metro: Rank context is unavailable: the manifest lists 4 counties in the Davenport-Moline-Rock Island metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Henry County, IL | 13,405 jobs · $993/wk · -2.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,762 | $652 | 1.35 | -0.5% |
| Manufacturing | 1,499 | $1,104 | 1.39 | -9.0% |
| Construction | 1,144 | $1,633 | 1.63 | +8.0% |
| Health care and social assistance | 1,092 | $967 | 0.54 | +2.3% |
| Accommodation and food services | 980 | $352 | 0.81 | -1.0% |
| Finance and insurance | 661 | $1,483 | 1.21 | +3.8% |
| Wholesale trade | 472 | $1,408 | 0.92 | -5.4% |
| Professional and technical services | 321 | $942 | 0.35 | +5.6% |
| Other services | 271 | $706 | 0.68 | +0.0% |
| Administrative and waste services | 191 | $857 | 0.25 | +6.1% |
| Arts, entertainment and recreation | 128 | $393 | 0.58 | +1.6% |
| Information | 100 | $1,465 | 0.40 | +0.0% |
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 #
$1.9 bn in deposits at 25 offices of 11 banks (SOD June 2026); HHI 1,386, moderately concentrated. $336.1 m federal obligations in FY2026 (direct payments $318.2 m, grants $16.6 m), $25,071 per covered job
| Item | Value | Distance |
|---|---|---|
| Central Bank Illinois | $405.8 m · 21.7% share · 3 offices | |
| BankOrion | $382.6 m · 20.5% share · 4 offices | |
| Farmers National Bank | $249.6 m · 13.4% share · 1 office | |
| Henry, IL | $336.1 m FY2026 · $25,071/job | |
| MULTIPLE RECIPIENTS | $296.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Central Bank Illinois | $405,849,000 | 21.7% | 3 |
| BankOrion | $382,622,000 | 20.5% | 4 |
| Farmers National Bank | $249,617,000 | 13.4% | 1 |
| Community State Bank | $175,655,000 | 9.4% | 3 |
| Peoples National Bank of Kewanee | $172,917,000 | 9.3% | 3 |
| Blackhawk Bank & Trust | $139,388,000 | 7.5% | 2 |
| State Bank of Toulon | $112,772,000 | 6.0% | 2 |
| Union Federal Savings and Loan Association | $90,706,000 | 4.9% | 3 |
| Wells Fargo Bank, National Association | $79,122,000 | 4.2% | 1 |
| Farmers State Bank of Western Illinois | $57,553,000 | 3.1% | 2 |
Deposit concentration is 1,386 across 11 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 21.7² + 20.5² + 13.4² + … (8 more) = 1,386
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.
That is $25,071 per covered job, against 13,405 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $336.1 m / 13,405 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $25,071
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 | 2026-10-05 | +0.1% |
| 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 #
Henry County, IL: 13 findings, 3 at a watch level and 10 noted
watchHenry County, IL's covered employment is -2.1% 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 = -2.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchHenry County, IL's years of wages of 3.4 scores 29 on the 0-to-100 scale across US counties but 74 across Illinois counties, a gap of 46 points.
Period 2026-08.Show the arithmetic
- 46 = |29 across US counties - 74 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
watchHenry County, IL's typical home value of $173,741 scores 25 on the 0-to-100 scale across US counties but 64 across Illinois counties, a gap of 39 points.
Period 2026-08.Show the arithmetic
- 39 = |25 across US counties - 64 across Illinois counties|
position among the entities that published this metric this period; not an official level
noteHenry County, IL's covered employment was 2.1% 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
- -2.1 % = 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
noteHenry County, IL's typical home value rose 0.7% from $172,612 in July 2026 to $173,741 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.7% = (173740.5647319388 - 172612.40538447085) / 172612.40538447085 × 100
- 173740.5647319388 = Zillow ZHVI, 2026-08
- 172612.40538447085 = Zillow ZHVI, 2026-07
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.