Macoupin County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.27, -89.93.
Assembled 2026-10-06. Read the brief.
- 13th pct · 2,643rd of 3,063 US counties · median $234,566
- 38th pct · 63rd of 102 Illinois counties · median $158,585
- 0th pct · 15th of 15 counties in the St. Louis metro · median $223,520
- 36th pct · 1,934th of 3,063 US counties · median +2.9%
- 21st pct · 80th of 102 Illinois counties · median +5.2%
- 14th pct · 13th 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
- 54th pct · 1,464th of 3,221 US counties · median 8,232
- 59th pct · 42nd of 102 Illinois counties · median 7,611
- 35th pct · 10th of 15 counties in the St. Louis metro · median 12,995
- 27th pct · 2,341st of 3,221 US counties · median $1,039
- 20th pct · 81st of 102 Illinois counties · median $1,061
- 7th pct · 14th of 15 counties in the St. Louis metro · median $1,033
- 18th pct · 2,497th of 3,063 US counties · median 4.3
- 54th pct · 47th of 102 Illinois counties · median 2.8
- 14th pct · 13th 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 $143,866 (Aug 2026), +1.8% over one year, +7.8% over five
- 13th pct · 2,643rd of 3,063 US counties · median $234,566
- 38th pct · 63rd of 102 Illinois counties · median $158,585
- 0th pct · 15th of 15 counties in the St. Louis metro · median $223,520
| Item | Value | Distance |
|---|---|---|
| Macoupin County, IL | $143,866 · +1.8% 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 $787 a month on $143,866 at 7.28%, against an average weekly wage worth $4,073 a month: 19.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $143,866 × 80% = $115,093, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $787/mo principal and interest
- wage share = payment / (avg weekly wage $940 × 52 / 12 = $4,073) = 19% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $143,866 / ($940 × 52) = 2.9
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 #
9,695 jobs at 918 employers (2026 Q1); -1.3% jobs and +4.1% average weekly wage over the year
- 54th pct · 1,464th of 3,221 US counties · median 8,232
- 59th pct · 42nd of 102 Illinois counties · median 7,611
- 35th pct · 10th of 15 counties in the St. Louis metro · median 12,995
| Item | Value | Distance |
|---|---|---|
| Macoupin County, IL | 9,695 jobs · $940/wk · -1.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,302 | $634 | 1.38 | -1.7% |
| Accommodation and food services | 939 | $369 | 1.08 | +10.6% |
| Manufacturing | 681 | $1,375 | 0.87 | -13.8% |
| Construction | 571 | $1,262 | 1.12 | -6.1% |
| Wholesale trade | 422 | $1,119 | 1.14 | -25.6% |
| Other services | 325 | $679 | 1.12 | +1.2% |
| Finance and insurance | 295 | $1,282 | 0.75 | -3.0% |
| Professional and technical services | 251 | $1,580 | 0.38 | +0.0% |
| Transportation and warehousing | 212 | $1,132 | 0.52 | +3.9% |
| Agriculture, forestry, fishing | 170 | $928 | 2.43 | -1.2% |
| Utilities | 132 | $2,031 | 3.45 | -3.6% |
| Arts, entertainment and recreation | 72 | $334 | 0.45 | -39.5% |
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 #
D0 abnormally dry
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 #
45 gauges · 0 flooding · 7 with quality panels averaging 89 % · 12 stale
Sites found: 45, 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-05576100 | flow 16.1 ft³/s · quality 70 % (5) | 54 km |
| USGS-05587498 | stage 15.4 ft · quality 80 % (5) | 48 km |
| USGS-05586300 | stage 20.6 ft · quality 80 % (5) | 71 km |
| USGS-05586647 | flow 8.36 ft³/s · STALE | 8 km |
| USGS-05586745 | flow 20.9 ft³/s · STALE | 16 km |
| USGS-05587000 | flow 9.43 ft³/s | 40 km |
| USGS-05587480 | flow 6.30 ft³/s · STALE | 45 km |
| USGS-05576193 | flow 0.70 ft³/s | 47 km |
| USGS-05588000 | flow 0.24 ft³/s | 48 km |
| USGS-05587900 | flow 3.04 ft³/s | 49 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 #
5 wells in 0 named aquifers:
Sites found: 5, 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 |
|---|---|---|
| MO005-384849090092001 | depth 20.6 ft · 2026-10-04 | 54 km |
| USGS-384659090003701 | depth 35.9 ft · 2012-10-24 | 54 km |
| USGS-384312090064701 | depth 14.1 ft · 2015-09-15 | 63 km |
| USGS-384312090064703 | depth 14.4 ft · 2015-09-29 | 63 km |
| USGS-393750090333101 | depth 8.76 ft · 2026-10-05 | 68 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 (0.04)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.11 / 0.55
Banks & federal dollars #
$1.2 bn in deposits at 23 offices of 13 banks (SOD June 2026); HHI 1,493, moderately concentrated. $339.3 m federal obligations in FY2026 (direct payments $323.5 m, grants $13.9 m), $34,997 per covered job
| Item | Value | Distance |
|---|---|---|
| Heartland Bank and Trust Company | $329.7 m · 26.7% share · 3 offices | |
| United Community Bank | $240.8 m · 19.5% share · 4 offices | |
| Associated Bank, National Association | $162.8 m · 13.2% share · 1 office | |
| Macoupin, IL | $339.3 m FY2026 · $34,997/job | |
| MULTIPLE RECIPIENTS | $301.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Heartland Bank and Trust Company | $329,714,000 | 26.7% | 3 |
| United Community Bank | $240,773,000 | 19.5% | 4 |
| Associated Bank, National Association | $162,807,000 | 13.2% | 1 |
| Constitution Bank, National Association | $108,377,000 | 8.8% | 2 |
| Prairie State Bank and Trust | $94,213,000 | 7.6% | 3 |
| Warren-Boynton State Bank | $61,922,000 | 5.0% | 2 |
| U.S. Bank National Association | $52,706,000 | 4.3% | 1 |
| Bank of Springfield | $49,495,000 | 4.0% | 1 |
| Bank & Trust Company | $48,955,000 | 4.0% | 1 |
| The First National Bank of Raymond | $48,655,000 | 3.9% | 2 |
Deposit concentration is 1,493 across 13 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 13 banks with deposits in the county = 26.7² + 19.5² + 13.2² + … (10 more) = 1,493
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 | $264,404,424 |
| Department of Veterans Affairs | $33,393,356 |
| Department of Agriculture | $19,185,564 |
| Department of Transportation | $6,844,371 |
| Department of Health and Human Services | $4,896,913 |
| Department of Education | $3,680,910 |
| Railroad Retirement Board | $3,527,867 |
| Department of Housing and Urban Development | $1,901,667 |
| Federal Communications Commission | $1,373,654 |
| Department of Defense | $89,181 |
| Small Business Administration | $0 |
| Department of Justice | $0 |
That is $34,997 per covered job, against 9,695 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $339.3 m / 9,695 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $34,997
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 | 2026-10-06 | +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 #
Macoupin County, IL: 8 findings, 2 at a watch level and 6 noted
watchMacoupin County, IL's covered employment is -1.3% 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 = -1.3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchMacoupin County, IL's years of wages of 2.9 scores 18 on the 0-to-100 scale across US counties but 54 across Illinois counties, a gap of 36 points.
Period 2026-08.Show the arithmetic
- 36 = |18 across US counties - 54 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
noteMacoupin County, IL's average weekly wage was 4.1% 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
- +4.1 % = 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
noteMacoupin County, IL's covered employment was 1.3% 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
- -1.3 % = 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
noteMacoupin County, IL's typical home value of $143,866 ranks 15th of 15 counties in the St. Louis metro, against a median of $223,520.
Period 2026-08.Show the arithmetic
- 0 on the 0-to-100 scale across 15 counties in the St. Louis metro that published home.latest
position among the entities that published this metric this period; not an official level
Read all 8 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.