Massac County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.22, -88.71.
Assembled 2026-10-06. Read the brief.
- 6th pct · 2,864th of 3,063 US counties · median $234,566
- 20th pct · 81st of 102 Illinois counties · median $158,585
- 0th pct · 5th of 5 counties in the Paducah metro · median $142,471
- 67th pct · 992nd of 3,063 US counties · median +2.9%
- 42nd pct · 59th of 102 Illinois counties · median +5.2%
- 100th pct · 1st of 5 counties in the Paducah metro · median -2.7%
- US counties: not published this period
- Illinois counties: not published this period
- counties in the Paducah metro: not published this period
- 23rd pct · 2,471st of 3,221 US counties · median 8,232
- 18th pct · 83rd of 102 Illinois counties · median 7,611
- 50th pct · 3rd of 5 counties in the Paducah metro · median 2,869
- 58th pct · 1,341st of 3,221 US counties · median $1,039
- 53rd pct · 48th of 102 Illinois counties · median $1,061
- 25th pct · 4th of 5 counties in the Paducah metro · median $1,183
- 5th pct · 2,897th of 3,063 US counties · median 4.3
- 18th pct · 83rd of 102 Illinois counties · median 2.8
- 0th pct · 5th of 5 counties in the Paducah metro · median 2.3
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 $120,092 (Aug 2026), +4.5% over one year, +6.9% over five
- 6th pct · 2,864th of 3,063 US counties · median $234,566
- 20th pct · 81st of 102 Illinois counties · median $158,585
- 0th pct · 5th of 5 counties in the Paducah metro · median $142,471
| Item | Value | Distance |
|---|---|---|
| Massac County, IL | $120,092 · +4.5% 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 Paducah 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 $657 a month on $120,092 at 7.28%, against an average weekly wage worth $4,676 a month: 14.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $120,092 × 80% = $96,074, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $657/mo principal and interest
- wage share = payment / (avg weekly wage $1,079 × 52 / 12 = $4,676) = 14% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $120,092 / ($1,079 × 52) = 2.1
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 #
2,869 jobs at 203 employers (2026 Q1); 0.0% jobs and +3.3% average weekly wage over the year
- 23rd pct · 2,471st of 3,221 US counties · median 8,232
- 18th pct · 83rd of 102 Illinois counties · median 7,611
- 50th pct · 3rd of 5 counties in the Paducah metro · median 2,869
| Item | Value | Distance |
|---|---|---|
| Massac County, IL | 2,869 jobs · $1,079/wk · 0.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 330 | $617 | 1.18 | -6.8% |
| Other services | 148 | $1,123 | 1.73 | +3.5% |
| Wholesale trade | 121 | $2,218 | 1.10 | +0.0% |
| Transportation and warehousing | 81 | $2,512 | 0.67 | +28.6% |
| Finance and insurance | 81 | $1,012 | 0.69 | +8.0% |
| Construction | 61 | $936 | 0.41 | -3.2% |
| Professional and technical services | 28 | $801 | 0.14 | +7.7% |
| Utilities | 20 | $4,458 | 1.77 | -9.1% |
| Real estate and rental | 15 | $850 | 0.34 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Manufacturing | withheld | |||
| Information | withheld |
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 #
23 gauges · 0 flooding · 2 with quality panels averaging 95 % · 5 stale
Sites found: 23, 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-03611500 | flow 270,000 ft³/s · STALE | 8 km |
| USGS-03611900 | flow 0.67 ft³/s · STALE | 11 km |
| USGS-03611850 | flow 5.49 ft³/s · STALE | 13 km |
| USGS-03611000 | stage 16.1 ft | 17 km |
| USGS-03611800 | flow 0.27 ft³/s · STALE | 18 km |
| USGS-03611260 | flow 1.31 ft³/s | 19 km |
| USGS-03612000 | flow 1.56 ft³/s | 24 km |
| USGS-03384500 | stage 30.1 ft | 25 km |
| USGS-03399800 | flow 66,500 ft³/s | 25 km |
| USGS-07023000 | flow 37.9 ft³/s | 31 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 #
6 wells in 0 named aquifers:
Sites found: 6, 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-370444088473801 | depth 61.6 ft · 1984-11-30 | 17 km |
| USGS-370551088510401 | depth 107.8 ft · 1983-09-13 | 18 km |
| USGS-370516088504401 | depth 45.1 ft · 1984-11-30 | 19 km |
| USGS-365210088391301 | depth 8.78 ft · 2026-10-05 | 39 km |
| USGS-370109088134901 | depth 44.2 ft · 1983-09-13 | 47 km |
| USGS-374453088261701 | depth 9.92 ft · 2026-10-05 | 64 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 (0.02)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.05 / 0.55
Banks & federal dollars #
$438.6 m in deposits at 4 offices of 3 banks (SOD June 2026); HHI 6,441, highly concentrated. $98.5 m federal obligations in FY2026 (direct payments $95.8 m, grants $2.3 m), $34,321 per covered job
| Item | Value | Distance |
|---|---|---|
| The City National Bank of Metropolis | $343.9 m · 78.4% share · 2 offices | |
| Banterra Bank | $71.4 m · 16.3% share · 1 office | |
| Legence Bank | $23.3 m · 5.3% share · 1 office | |
| Massac, IL | $98.5 m FY2026 · $34,321/job | |
| MULTIPLE RECIPIENTS | $92.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The City National Bank of Metropolis | $343,890,000 | 78.4% | 2 |
| Banterra Bank | $71,425,000 | 16.3% | 1 |
| Legence Bank | $23,285,000 | 5.3% | 1 |
Deposit concentration is 6,441 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 78.4² + 16.3² + 5.3² = 6,441
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 | $81,878,355 |
| Department of Veterans Affairs | $9,885,153 |
| Department of Housing and Urban Development | $2,895,228 |
| Department of Agriculture | $1,889,412 |
| Railroad Retirement Board | $778,899 |
| Federal Communications Commission | $433,471 |
| Environmental Protection Agency | $400,000 |
| Department of Defense | $160,191 |
| Department of Transportation | $147,521 |
That is $34,321 per covered job, against 2,869 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $98.5 m / 2,869 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $34,321
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 #
Massac County, IL: 9 findings, 9 noted
noteMassac County, IL's average weekly wage was 3.3% 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
- +3.3 % = 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
noteMassac County, IL's typical home value fell 0.6% from $120,773 in July 2026 to $120,092 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.6% = (120092.35045449618 - 120772.68686165322) / 120772.68686165322 × 100
- 120092.35045449618 = Zillow ZHVI, 2026-08
- 120772.68686165322 = Zillow ZHVI, 2026-07
noteMassac County, IL's typical home value of $120,092 ranks 5th of 5 counties in the Paducah metro, against a median of $142,471.
Period 2026-08.Show the arithmetic
- 0 on the 0-to-100 scale across 5 counties in the Paducah metro that published home.latest
position among the entities that published this metric this period; not an official level
noteMassac County, IL's typical home value of +4.5% ranks 1st of 5 counties in the Paducah metro, against a median of -2.7%.
Period 2026-08.Show the arithmetic
- 100 on the 0-to-100 scale across 5 counties in the Paducah metro that published home.yoyPct
position among the entities that published this metric this period; not an official level
noteMassac County, IL's momentum index of 0.32 ranks 1st of 5 counties in the Paducah metro, against a median of 0.18.
Period 2026-08.Show the arithmetic
- 100 on the 0-to-100 scale across 5 counties in the Paducah metro that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
Read all 9 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.