Moultrie County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.64, -88.63.
Assembled 2026-10-07. Read the brief.
- 31st pct · 2,097th of 3,063 US counties · median $234,566
- 68th pct · 33rd of 102 Illinois counties · median $158,585
- 87th pct · 371st of 3,063 US counties · median +2.9%
- 75th pct · 26th of 102 Illinois counties · median +5.2%
- US counties: not published this period
- Illinois counties: not published this period
- 37th pct · 2,012th of 3,221 US counties · median 8,232
- 39th pct · 62nd of 102 Illinois counties · median 7,611
- 63rd pct · 1,188th of 3,221 US counties · median $1,039
- 58th pct · 43rd of 102 Illinois counties · median $1,061
- 26th pct · 2,247th of 3,063 US counties · median 4.3
- 68th pct · 33rd 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 $187,441 (Aug 2026), +7.4% over one year, +39.0% over five
- 31st pct · 2,097th of 3,063 US counties · median $234,566
- 68th pct · 33rd of 102 Illinois counties · median $158,585
| Item | Value | Distance |
|---|---|---|
| Moultrie County, IL | $187,441 · +7.4% 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 $1,026 a month on $187,441 at 7.28%, against an average weekly wage worth $4,780 a month: 21.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $187,441 × 80% = $149,953, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,026/mo principal and interest
- wage share = payment / (avg weekly wage $1,103 × 52 / 12 = $4,780) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $187,441 / ($1,103 × 52) = 3.3
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 #
5,059 jobs at 357 employers (2026 Q1); +0.3% jobs and +4.6% average weekly wage over the year
- 37th pct · 2,012th of 3,221 US counties · median 8,232
- 39th pct · 62nd of 102 Illinois counties · median 7,611
| Item | Value | Distance |
|---|---|---|
| Moultrie County, IL | 5,059 jobs · $1,103/wk · +0.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,720 | $1,398 | 4.23 | -2.8% |
| Retail trade | 318 | $549 | 0.65 | -7.6% |
| Accommodation and food services | 240 | $349 | 0.53 | -8.7% |
| Professional and technical services | 201 | $1,433 | 0.58 | +10.4% |
| Transportation and warehousing | 158 | $1,137 | 0.74 | +0.6% |
| Finance and insurance | 129 | $1,347 | 0.63 | -1.5% |
| Wholesale trade | 104 | $1,028 | 0.54 | -11.1% |
| Arts, entertainment and recreation | 57 | $741 | 0.68 | +18.8% |
| Administrative and waste services | 52 | $1,008 | 0.18 | -13.3% |
| Real estate and rental | 49 | $719 | 0.63 | +6.5% |
| Agriculture, forestry, fishing | withheld | |||
| Construction | 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 #
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 #
$369.5 m in deposits at 8 offices of 4 banks (SOD June 2026); HHI 3,104, highly concentrated. $86.1 m federal obligations in FY2026 (direct payments $83.1 m, grants $3.0 m), $17,018 per covered job
| Item | Value | Distance |
|---|---|---|
| First Mid Bank & Trust, National Association | $147.2 m · 39.8% share · 1 office | |
| First Community Bank of Moultrie County | $109.7 m · 29.7% share · 3 offices | |
| Scott State Bank | $90.5 m · 24.5% share · 3 offices | |
| Moultrie, IL | $86.1 m FY2026 · $17,018/job | |
| MULTIPLE RECIPIENTS | $81.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Mid Bank & Trust, National Association | $147,191,000 | 39.8% | 1 |
| First Community Bank of Moultrie County | $109,672,000 | 29.7% | 3 |
| Scott State Bank | $90,491,000 | 24.5% | 3 |
| FIRST NATIONAL BANK OF NOKOMIS | $22,107,000 | 6.0% | 1 |
Deposit concentration is 3,104 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 39.8² + 29.7² + 24.5² + … (1 more) = 3,104
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 | $72,677,768 |
| Department of Veterans Affairs | $6,985,344 |
| Department of Transportation | $2,977,105 |
| Department of Agriculture | $1,717,226 |
| Railroad Retirement Board | $1,559,487 |
| Department of Housing and Urban Development | $117,374 |
| Department of Education | $37,620 |
| Federal Communications Commission | $22,795 |
That is $17,018 per covered job, against 5,059 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $86.1 m / 5,059 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,018
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 | 3.00 | 2026-10-06 | -50.0% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| 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 #
Moultrie County, IL: 6 findings, 2 at a watch level and 4 noted
watchMoultrie County, IL's years of wages of 3.3 scores 27 on the 0-to-100 scale across US counties but 68 across Illinois counties, a gap of 42 points.
Period 2026-08.Show the arithmetic
- 42 = |27 across US counties - 68 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
watchMoultrie County, IL's typical home value of $187,441 scores 32 on the 0-to-100 scale across US counties but 68 across Illinois counties, a gap of 37 points.
Period 2026-08.Show the arithmetic
- 37 = |32 across US counties - 68 across Illinois counties|
position among the entities that published this metric this period; not an official level
noteMoultrie County, IL's average weekly wage was 4.6% 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
- +4.6 % = 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
noteMoultrie County, IL's covered employment was 0.3% 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
- +0.3 % = 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
noteThe next Zillow ZHVI typical home value (monthly) covering Moultrie County, IL is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
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.