Iroquois County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.75, -87.83.
Assembled 2026-10-06. Read the brief.
- 17th pct · 2,529th of 3,063 US counties · median $234,566
- 44th pct · 57th of 102 Illinois counties · median $158,585
- 19th pct · 2,478th of 3,063 US counties · median +2.9%
- 10th pct · 91st of 102 Illinois counties · median +5.2%
- US counties: not published this period
- Illinois counties: not published this period
- 45th pct · 1,740th of 3,221 US counties · median 8,232
- 47th pct · 54th of 102 Illinois counties · median 7,611
- 53rd pct · 1,504th of 3,221 US counties · median $1,039
- 46th pct · 55th of 102 Illinois counties · median $1,061
- 15th pct · 2,576th of 3,063 US counties · median 4.3
- 50th pct · 51st 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 $154,579 (Aug 2026), -0.2% over one year, +15.8% over five
- 17th pct · 2,529th of 3,063 US counties · median $234,566
- 44th pct · 57th of 102 Illinois counties · median $158,585
| Item | Value | Distance |
|---|---|---|
| Iroquois County, IL | $154,579 · -0.2% 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 $846 a month on $154,579 at 7.28%, against an average weekly wage worth $4,563 a month: 18.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $154,579 × 80% = $123,663, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $846/mo principal and interest
- wage share = payment / (avg weekly wage $1,053 × 52 / 12 = $4,563) = 19% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $154,579 / ($1,053 × 52) = 2.8
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 #
7,018 jobs at 659 employers (2026 Q1); -0.9% jobs and +19.1% average weekly wage over the year
- 45th pct · 1,740th of 3,221 US counties · median 8,232
- 47th pct · 54th of 102 Illinois counties · median 7,611
| Item | Value | Distance |
|---|---|---|
| Iroquois County, IL | 7,018 jobs · $1,053/wk · -0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 853 | $688 | 1.25 | -24.1% |
| Wholesale trade | 825 | $1,235 | 3.07 | +6.5% |
| Manufacturing | 611 | $1,471 | 1.08 | -2.9% |
| Accommodation and food services | 381 | $368 | 0.60 | +6.7% |
| Finance and insurance | 369 | $3,261 | 1.29 | +0.8% |
| Construction | 364 | $1,569 | 0.99 | -2.9% |
| Other services | 152 | $897 | 0.72 | -5.6% |
| Administrative and waste services | 126 | $583 | 0.32 | +63.6% |
| Professional and technical services | 118 | $957 | 0.24 | +7.3% |
| Information | 59 | $690 | 0.46 | +1.7% |
| Real estate and rental | 22 | $845 | 0.20 | +29.4% |
| Arts, entertainment and recreation | 8 | $1,183 | 0.07 | -33.3% |
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 #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
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 #
37 gauges · 0 flooding · 12 with quality panels averaging 100 % · 14 stale
Sites found: 37, 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-05525500 | flow 33.3 ft³/s · no flooding | 16 km |
| USGS-05525000 | flow 345.0 ft³/s · no flooding | 23 km |
| USGS-05526000 | flow 673.0 ft³/s · no flooding | 29 km |
| USGS-05554000 | temp 26.6 °C · quality 100 % (1) · STALE | 40 km |
| USGS-05524500 | flow 214.0 ft³/s · quality 100 % (5) · no flooding | 46 km |
| USGS-05524546 | flow 7.90 ft³/s · STALE | 47 km |
| USGS-05520500 | flow 2,640 ft³/s · no flooding | 48 km |
| USGS-03335690 | flow 26.0 ft³/s · STALE | 48 km |
| USGS-05554200 | temp 23.6 °C · quality 100 % (1) · STALE | 49 km |
| USGS-03338780 | flow 129.0 ft³/s · quality 100 % (1) · no flooding | 56 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 #
20 wells in 0 named aquifers:
Sites found: 20, 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-402558087351501 | depth 23.1 ft · 2026-10-05 | 41 km |
| USGS-405959087282901 | depth 63.1 ft · 2025-03-10 | 41 km |
| USGS-405959087282902 | depth 13.2 ft · 2025-03-10 | 41 km |
| USGS-410235087305901 | depth 37.7 ft · 2010-06-03 | 42 km |
| USGS-405105087173301 | depth 16.0 ft · 2009-09-29 | 47 km |
| USGS-410428087231502 | depth 5.53 ft · 2025-03-10 | 50 km |
| USGS-410428087231501 | depth 22.9 ft · 2026-10-05 | 50 km |
| USGS-402851087213501 | depth 15.0 ft · 2026-10-05 | 50 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.00 / 0.55
Banks & federal dollars #
$1.1 bn in deposits at 23 offices of 12 banks (SOD June 2026); HHI 1,435, moderately concentrated. $213.7 m federal obligations in FY2026 (direct payments $188.1 m, contracts $22.9 m), $30,451 per covered job
| Item | Value | Distance |
|---|---|---|
| The First Trust and Savings Bank of Watseka, Illinois | $285.9 m · 25.0% share · 2 offices | |
| Servbank, National Association | $214.7 m · 18.8% share · 2 offices | |
| Iroquois Farmers State Bank | $158.7 m · 13.9% share · 6 offices | |
| Iroquois, IL | $213.7 m FY2026 · $30,451/job | |
| MULTIPLE RECIPIENTS | $175.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The First Trust and Savings Bank of Watseka, Illinois | $285,868,000 | 25.0% | 2 |
| Servbank, National Association | $214,712,000 | 18.8% | 2 |
| Iroquois Farmers State Bank | $158,650,000 | 13.9% | 6 |
| Prospect Bank | $110,110,000 | 9.6% | 2 |
| Federated Bank | $91,510,000 | 8.0% | 3 |
| Frederick Community Bank, The | $76,241,000 | 6.7% | 2 |
| Citizens State Bank of Milford | $52,042,000 | 4.6% | 1 |
| Buckley State Bank | $42,692,000 | 3.7% | 1 |
| First Trust Bank of Illinois | $40,227,000 | 3.5% | 1 |
| First Financial Bank | $29,448,000 | 2.6% | 1 |
Deposit concentration is 1,435 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 = 25.0² + 18.8² + 13.9² + … (9 more) = 1,435
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 | $158,137,004 |
| Department of Agriculture | $35,501,625 |
| Department of Veterans Affairs | $14,465,236 |
| Railroad Retirement Board | $2,898,457 |
| Department of Transportation | $2,247,421 |
| Federal Communications Commission | $326,212 |
| Department of Education | $100,051 |
| Department of Housing and Urban Development | $32,404 |
That is $30,451 per covered job, against 7,018 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $213.7 m / 7,018 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $30,451
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 | -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 #
Iroquois County, IL: 6 findings, 3 at a watch level and 3 noted
watchIroquois County, IL's covered employment is -0.9% 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 = -0.9 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchIroquois County, IL's typical home value is -0.2% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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.yoyPct = -0.23596957844758096 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchIroquois County, IL's years of wages of 2.8 scores 16 on the 0-to-100 scale across US counties but 50 across Illinois counties, a gap of 35 points.
Period 2026-08.Show the arithmetic
- 35 = |16 across US counties - 50 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
noteIroquois County, IL's average weekly wage was 19.1% 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
- +19.1 % = 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
noteIroquois County, IL's covered employment was 0.9% 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
- -0.9 % = 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 6 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.