McDonough County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.46, -90.68.
Assembled 2026-10-06. Read the brief.
- 2nd pct · 2,977th of 3,063 US counties · median $234,566
- 6th pct · 95th of 102 Illinois counties · median $158,585
- 46th pct · 1,641st of 3,063 US counties · median +2.9%
- 24th pct · 77th of 102 Illinois counties · median +5.2%
- 2nd pct · 1,368th of 1,399 US counties · median $1,496
- 12th pct · 30th of 34 Illinois counties · median $1,181
- 53rd pct · 1,486th of 3,221 US counties · median 8,232
- 57th pct · 44th of 102 Illinois counties · median 7,611
- 30th pct · 2,236th of 3,221 US counties · median $1,039
- 25th pct · 76th of 102 Illinois counties · median $1,061
- 4th pct · 2,927th of 3,063 US counties · median 4.3
- 13th pct · 88th 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 $101,326 (Aug 2026), +2.6% over one year, +8.2% over five
- 2nd pct · 2,977th of 3,063 US counties · median $234,566
- 6th pct · 95th of 102 Illinois counties · median $158,585
| Item | Value | Distance |
|---|---|---|
| McDonough County, IL | $101,326 · +2.6% 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 $833/mo (Aug 2026), n/a over one year; price-to-rent 10.1
- 2nd pct · 1,368th of 1,399 US counties · median $1,496
- 12th pct · 30th of 34 Illinois counties · median $1,181
| Item | Value | Distance |
|---|---|---|
| McDonough County, IL | $833/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 $555 a month on $101,326 at 7.28%, against an average weekly wage worth $4,138 a month: 13.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $101,326 × 80% = $81,060, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $555/mo principal and interest
- wage share = payment / (avg weekly wage $955 × 52 / 12 = $4,138) = 13% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $101,326 / ($955 × 52) = 2.0
- price-to-rent = $101,326 / ($833 × 12) = 10.1
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 #
9,545 jobs at 553 employers (2026 Q1); -4.7% jobs and +0.4% average weekly wage over the year
- 53rd pct · 1,486th of 3,221 US counties · median 8,232
- 57th pct · 44th of 102 Illinois counties · median 7,611
| Item | Value | Distance |
|---|---|---|
| McDonough County, IL | 9,545 jobs · $955/wk · -4.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,380 | $1,119 | 1.80 | -12.5% |
| Retail trade | 1,047 | $626 | 1.13 | -6.6% |
| Health care and social assistance | 1,006 | $792 | 0.70 | -4.0% |
| Accommodation and food services | 960 | $421 | 1.12 | -8.9% |
| Other services | 362 | $588 | 1.27 | +23.5% |
| Construction | 218 | $1,641 | 0.44 | -17.1% |
| Wholesale trade | 217 | $1,161 | 0.59 | -4.0% |
| Finance and insurance | 192 | $1,379 | 0.49 | -1.5% |
| Agriculture, forestry, fishing | 186 | $1,123 | 2.70 | -4.1% |
| Professional and technical services | 174 | $913 | 0.26 | -0.6% |
| Administrative and waste services | 141 | $821 | 0.26 | -30.5% |
| Transportation and warehousing | 114 | $906 | 0.28 | +22.6% |
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 #
$894.9 m in deposits at 16 offices of 9 banks (SOD June 2026); HHI 1,500, moderately concentrated. $160.3 m federal obligations in FY2026 (direct payments $155.6 m, grants $4.6 m), $16,791 per covered job
| Item | Value | Distance |
|---|---|---|
| Morton Community Bank | $198.8 m · 22.2% share · 2 offices | |
| MidAmerica National Bank | $179.9 m · 20.1% share · 2 offices | |
| United Community Bank | $133.0 m · 14.9% share · 4 offices | |
| McDonough, IL | $160.3 m FY2026 · $16,791/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Morton Community Bank | $198,834,000 | 22.2% | 2 |
| MidAmerica National Bank | $179,942,000 | 20.1% | 2 |
| United Community Bank | $133,018,000 | 14.9% | 4 |
| Fortress Bank | $98,580,000 | 11.0% | 2 |
| First Bankers Trust Company, National Association | $95,274,000 | 10.6% | 1 |
| Farmers and Merchants State Bank of Bushnell | $77,582,000 | 8.7% | 2 |
| State Bank of Industry | $55,575,000 | 6.2% | 1 |
| Raritan State Bank | $50,978,000 | 5.7% | 1 |
| Woodforest National Bank | $5,137,000 | 0.6% | 1 |
Deposit concentration is 1,500 across 9 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 22.2² + 20.1² + 14.9² + … (6 more) = 1,500
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 $16,791 per covered job, against 9,545 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $160.3 m / 9,545 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,791
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 #
McDonough County, IL: 19 findings, 1 at an alert level, 3 at a watch level and 15 noted
alertMcDonough County, IL's covered employment is -4.7% 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 = -4.7 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchMcDonough County, IL's typical asking rent is -7.5% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI 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: rent.momPct = -7.483602340047874 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level
watchMcDonough County, IL's covered employment is -4.7% 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 = -4.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchMcDonough County, IL's typical asking rent fell 7.5% from $900 in July 2026 to $833 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -7.5% = (832.5277777777777 - 899.8705081857686) / 899.8705081857686 × 100
- 832.5277777777777 = Zillow ZORI, 2026-08
- 899.8705081857686 = Zillow ZORI, 2026-07
noteMcDonough County, IL's covered employment was 4.7% 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
- -4.7 % = 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.