Jersey County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.08, -90.36.
Assembled 2026-10-06. Read the brief.
- 38th pct · 1,870th of 3,063 US counties · median $234,566
- 78th pct · 23rd of 102 Illinois counties · median $158,585
- 42nd pct · 9th of 15 counties in the St. Louis metro · median $223,520
- 59th pct · 1,235th of 3,063 US counties · median +2.9%
- 33rd pct · 68th of 102 Illinois counties · median +5.2%
- 50th pct · 8th of 15 counties in the St. Louis metro · median +3.8%
- US counties: not published this period
- Illinois counties: not published this period
- counties in the St. Louis metro: not published this period
- 36th pct · 2,033rd of 3,221 US counties · median 8,232
- 38th pct · 63rd of 102 Illinois counties · median 7,611
- 14th pct · 13th of 15 counties in the St. Louis metro · median 12,995
- 29th pct · 2,256th of 3,221 US counties · median $1,039
- 24th pct · 77th of 102 Illinois counties · median $1,061
- 14th pct · 13th of 15 counties in the St. Louis metro · median $1,033
- 47th pct · 1,612th of 3,063 US counties · median 4.3
- 85th pct · 16th of 102 Illinois counties · median 2.8
- 42nd pct · 9th of 15 counties in the St. Louis metro · median 4.2
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 $205,286 (Aug 2026), +3.8% over one year, +21.6% over five
- 38th pct · 1,870th of 3,063 US counties · median $234,566
- 78th pct · 23rd of 102 Illinois counties · median $158,585
- 42nd pct · 9th of 15 counties in the St. Louis metro · median $223,520
| Item | Value | Distance |
|---|---|---|
| Jersey County, IL | $205,286 · +3.8% 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
- counties in the St. Louis metro: 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 $1,124 a month on $205,286 at 7.28%, against an average weekly wage worth $4,125 a month: 27.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $205,286 × 80% = $164,229, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,124/mo principal and interest
- wage share = payment / (avg weekly wage $952 × 52 / 12 = $4,125) = 27% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $205,286 / ($952 × 52) = 4.1
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 #
4,923 jobs at 380 employers (2026 Q1); +0.6% jobs and +2.1% average weekly wage over the year
- 36th pct · 2,033rd of 3,221 US counties · median 8,232
- 38th pct · 63rd of 102 Illinois counties · median 7,611
- 14th pct · 13th of 15 counties in the St. Louis metro · median 12,995
| Item | Value | Distance |
|---|---|---|
| Jersey County, IL | 4,923 jobs · $952/wk · +0.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 736 | $622 | 1.53 | -5.0% |
| Accommodation and food services | 586 | $420 | 1.32 | +1.4% |
| Construction | 354 | $1,163 | 1.37 | -9.0% |
| Manufacturing | 347 | $1,277 | 0.88 | +0.0% |
| Professional and technical services | 208 | $1,434 | 0.61 | +7.8% |
| Finance and insurance | 162 | $1,425 | 0.81 | +0.6% |
| Transportation and warehousing | 112 | $1,151 | 0.54 | +0.0% |
| Other services | 102 | $717 | 0.69 | +0.0% |
| Wholesale trade | 98 | $1,121 | 0.52 | -10.9% |
| Arts, entertainment and recreation | 65 | $381 | 0.80 | +25.0% |
| Utilities | 56 | $2,368 | 2.88 | +3.7% |
| Agriculture, forestry, fishing | 47 | $1,910 | 1.32 | +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 #
D1 moderate drought
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) | 126 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 #
73 gauges · 0 flooding · 3 with quality panels averaging 87 % · 16 stale
Sites found: 73, 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 |
|---|---|---|
| ILLINOIS RIVER AT FLORENCE, IL | stage 20.6 ft · quality 80 % (5) | 65 km |
| USGS-05587498 | stage 15.5 ft · quality 80 % (5) | 26 km |
| USGS-05587450 | flow 220,000 ft³/s | 14 km |
| USGS-05587480 | flow 6.30 ft³/s · STALE | 16 km |
| USGS-05587000 | flow 9.84 ft³/s | 17 km |
| USGS-05587060 | stage 19.6 ft · STALE | 24 km |
| MACOUPIN CREEK AT HWY 111 NR SUMMERVILLE, IL | flow 20.9 ft³/s · STALE | 26 km |
| USGS-06935997 | flow 0.19 ft³/s | 27 km |
| USGS-06936475 | flow 5.23 ft³/s | 31 km |
| USGS-06936530 | flow 0.04 ft³/s | 34 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 #
15 wells in 3 named aquifers: Cambrian-Ordovician aquifer system, Ozark Plateaus aquifer system, Mississippi River Valley alluvial aquifer
Sites found: 15, 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 Valley alluvial aquifer | depth 20.5 ft · 2026-10-05 | 35 km |
| Cambrian-Ordovician aquifer system | depth 97.5 ft · 2026-10-05 | 39 km |
| USGS-384659090003701 | depth 35.9 ft · 2012-10-24 | 45 km |
| USGS-384312090064701 | depth 14.1 ft · 2015-09-15 | 45 km |
| USGS-384312090064703 | depth 14.4 ft · 2015-09-29 | 45 km |
| Cambrian-Ordovician aquifer system | depth 297.3 ft · 2026-10-05 | 47 km |
| Cambrian-Ordovician aquifer system | depth 269.8 ft · 2026-10-05 | 52 km |
| Cambrian-Ordovician aquifer system | depth 195.3 ft · 2026-10-05 | 54 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 (0.21)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.13 / 0.55
Banks & federal dollars #
$649.5 m in deposits at 7 offices of 6 banks (SOD June 2026); HHI 3,119, highly concentrated. $150.0 m federal obligations in FY2026 (direct payments $145.9 m, grants $3.5 m), $30,479 per covered job
| Item | Value | Distance |
|---|---|---|
| Carrollton Bank | $304.3 m · 46.9% share · 1 office | |
| Jersey State Bank | $167.5 m · 25.8% share · 2 offices | |
| Royal Banks of Missouri | $85.1 m · 13.1% share · 1 office | |
| Jersey, IL | $150.0 m FY2026 · $30,479/job | |
| MULTIPLE RECIPIENTS | $139.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Carrollton Bank | $304,346,000 | 46.9% | 1 |
| Jersey State Bank | $167,471,000 | 25.8% | 2 |
| Royal Banks of Missouri | $85,106,000 | 13.1% | 1 |
| Heartland Bank and Trust Company | $54,089,000 | 8.3% | 1 |
| Farmers State Bank | $21,934,000 | 3.4% | 1 |
| Bank of Calhoun County | $16,575,000 | 2.6% | 1 |
Deposit concentration is 3,119 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 46.9² + 25.8² + 13.1² + … (3 more) = 3,119
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 | $127,741,253 |
| Department of Veterans Affairs | $12,021,184 |
| Department of Agriculture | $4,682,897 |
| Department of Transportation | $2,589,067 |
| Department of Housing and Urban Development | $1,921,506 |
| Railroad Retirement Board | $675,352 |
| Department of Health and Human Services | $300,000 |
| Federal Communications Commission | $118,722 |
| Small Business Administration | $0 |
That is $30,479 per covered job, against 4,923 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $150.0 m / 4,923 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $30,479
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 #
Jersey County, IL: 6 findings, 2 at a watch level and 4 noted
watchJersey County, IL's typical home value of $205,286 scores 39 on the 0-to-100 scale across US counties but 78 across Illinois counties, a gap of 39 points.
Period 2026-08.Show the arithmetic
- 39 = |39 across US counties - 78 across Illinois counties|
position among the entities that published this metric this period; not an official level
watchJersey County, IL's years of wages of 4.1 scores 47 on the 0-to-100 scale across US counties but 85 across Illinois counties, a gap of 38 points.
Period 2026-08.Show the arithmetic
- 38 = |47 across US counties - 85 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
noteJersey County, IL's average weekly wage was 2.1% 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
- +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
noteJersey County, IL's typical home value rose 1.0% from $203,205 in July 2026 to $205,286 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +1.0% = (205285.67321577735 - 203204.63078591027) / 203204.63078591027 × 100
- 205285.67321577735 = Zillow ZHVI, 2026-08
- 203204.63078591027 = Zillow ZHVI, 2026-07
noteJersey County, IL's covered employment was 0.6% 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
- +0.6 % = 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.