Piatt County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.01, -88.59.
Assembled 2026-10-06. Read the brief.
- 48th pct · 1,569th of 3,063 US counties · median $234,566
- 85th pct · 16th of 102 Illinois counties · median $158,585
- counties in the Champaign-Urbana metro: Rank context is unavailable: the manifest lists 3 counties in the Champaign-Urbana metro; fewer than 5 is too few to rank.
- 41st pct · 1,803rd of 3,063 US counties · median +2.9%
- 22nd pct · 79th of 102 Illinois counties · median +5.2%
- counties in the Champaign-Urbana metro: Rank context is unavailable: the manifest lists 3 counties in the Champaign-Urbana metro; fewer than 5 is too few to rank.
- US counties: not published this period
- Illinois counties: not published this period
- counties in the Champaign-Urbana metro: Rank context is unavailable: the manifest lists 3 counties in the Champaign-Urbana metro; fewer than 5 is too few to rank.
- 29th pct · 2,276th of 3,221 US counties · median 8,232
- 22nd pct · 79th of 102 Illinois counties · median 7,611
- counties in the Champaign-Urbana metro: Rank context is unavailable: the manifest lists 3 counties in the Champaign-Urbana metro; fewer than 5 is too few to rank.
- 38th pct · 1,983rd of 3,221 US counties · median $1,039
- 32nd pct · 69th of 102 Illinois counties · median $1,061
- counties in the Champaign-Urbana metro: Rank context is unavailable: the manifest lists 3 counties in the Champaign-Urbana metro; fewer than 5 is too few to rank.
- 54th pct · 1,394th of 3,063 US counties · median 4.3
- 89th pct · 12th of 102 Illinois counties · median 2.8
- counties in the Champaign-Urbana metro: Rank context is unavailable: the manifest lists 3 counties in the Champaign-Urbana metro; fewer than 5 is too few to rank.
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 $230,912 (Aug 2026), +2.2% over one year, +22.5% over five
- 48th pct · 1,569th of 3,063 US counties · median $234,566
- 85th pct · 16th of 102 Illinois counties · median $158,585
- counties in the Champaign-Urbana metro: Rank context is unavailable: the manifest lists 3 counties in the Champaign-Urbana metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Piatt County, IL | $230,912 · +2.2% 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 Champaign-Urbana metro: Rank context is unavailable: the manifest lists 3 counties in the Champaign-Urbana metro; fewer than 5 is too few to rank.
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 $1,264 a month on $230,912 at 7.28%, against an average weekly wage worth $4,277 a month: 29.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $230,912 × 80% = $184,729, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,264/mo principal and interest
- wage share = payment / (avg weekly wage $987 × 52 / 12 = $4,277) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $230,912 / ($987 × 52) = 4.5
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 #
3,669 jobs at 388 employers (2026 Q1); +0.7% jobs and +1.0% average weekly wage over the year
- 29th pct · 2,276th of 3,221 US counties · median 8,232
- 22nd pct · 79th of 102 Illinois counties · median 7,611
- counties in the Champaign-Urbana metro: Rank context is unavailable: the manifest lists 3 counties in the Champaign-Urbana metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Piatt County, IL | 3,669 jobs · $987/wk · +0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 610 | $1,188 | 1.10 | +16.6% |
| Accommodation and food services | 359 | $436 | 1.09 | -9.3% |
| Retail trade | 356 | $697 | 1.00 | -1.4% |
| Construction | 198 | $1,041 | 1.03 | +2.1% |
| Wholesale trade | 189 | $1,681 | 1.34 | +5.0% |
| Finance and insurance | 175 | $1,437 | 1.17 | +2.3% |
| Professional and technical services | 119 | $1,682 | 0.47 | -12.5% |
| Arts, entertainment and recreation | 44 | $402 | 0.73 | +0.0% |
| Administrative and waste services | 41 | $769 | 0.20 | +0.0% |
| Real estate and rental | 37 | $715 | 0.66 | +15.6% |
| Educational services | 35 | $408 | 0.44 | +0.0% |
| Agriculture, forestry, fishing | 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 #
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 #
42 gauges · 0 flooding · 17 with quality panels averaging 100 % · 12 stale
Sites found: 42, 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-05572000 | flow 127.0 ft³/s · quality 100 % (1) | 2 km |
| USGS-05572500 | temp 15.9 °C · quality 100 % (1) · STALE | 21 km |
| USGS-05590000 | flow 11.0 ft³/s · STALE | 24 km |
| USGS-05590800 | stage 2.83 ft | 25 km |
| USGS-05578100 | flow 16.7 ft³/s · quality 100 % (1) | 25 km |
| USGS-05590050 | flow 2.39 ft³/s | 26 km |
| USGS-05578300 | stage 689.8 ft | 29 km |
| USGS-05578330 | temp 29.0 °C · quality 100 % (1) · STALE | 29 km |
| USGS-394803088215001 | stage 7.10 ft | 30 km |
| USGS-05578360 | temp 27.7 °C · quality 100 % (1) · STALE | 30 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 #
11 wells in 0 named aquifers:
Sites found: 11, 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-401654088212001 | depth 47.1 ft · 2021-12-01 | 36 km |
| USGS-401654088212004 | depth 11.7 ft · 2026-10-05 | 36 km |
| USGS-400753088090501 | depth 0.69 ft · 2010-01-24 | 40 km |
| USGS-400751088084101 | depth 27.8 ft · 2016-03-26 | 40 km |
| USGS-402732088523901 | depth 5.76 ft · 2015-06-14 | 56 km |
| USGS-402736088523902 | depth 0.66 ft · 2015-06-16 | 56 km |
| USGS-402736088523901 | depth 0.89 ft · 2015-06-16 | 56 km |
| USGS-402739088524101 | depth 6.33 ft · 2015-06-14 | 56 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.00 / 0.55
Banks & federal dollars #
$642.5 m in deposits at 10 offices of 4 banks (SOD June 2026); HHI 3,090, highly concentrated. $114.1 m federal obligations in FY2026 (direct payments $103.9 m, grants $10.1 m), $31,093 per covered job
| Item | Value | Distance |
|---|---|---|
| First State Bank and Trust | $275.1 m · 42.8% share · 4 offices | |
| First Mid Bank & Trust, National Association | $157.5 m · 24.5% share · 2 offices | |
| State Bank of Bement | $155.2 m · 24.1% share · 3 offices | |
| Piatt, IL | $114.1 m FY2026 · $31,093/job | |
| MULTIPLE RECIPIENTS | $99.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First State Bank and Trust | $275,133,000 | 42.8% | 4 |
| First Mid Bank & Trust, National Association | $157,454,000 | 24.5% | 2 |
| State Bank of Bement | $155,161,000 | 24.1% | 3 |
| CIBM Bank | $54,761,000 | 8.5% | 1 |
Deposit concentration is 3,090 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 = 42.8² + 24.5² + 24.1² + … (1 more) = 3,090
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 | $89,847,544 |
| Department of Transportation | $9,728,059 |
| Department of Veterans Affairs | $8,214,614 |
| Department of Agriculture | $4,014,200 |
| Railroad Retirement Board | $1,740,792 |
| Department of Housing and Urban Development | $327,336 |
| Department of Education | $87,910 |
| Federal Communications Commission | $54,576 |
| Department of Justice | $43,120 |
| Department of Health and Human Services | $21,102 |
That is $31,093 per covered job, against 3,669 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $114.1 m / 3,669 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $31,093
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 #
Piatt County, IL: 6 findings, 2 at a watch level and 4 noted
watchPiatt County, IL's typical home value of $230,912 scores 49 on the 0-to-100 scale across US counties but 85 across Illinois counties, a gap of 36 points.
Period 2026-08.Show the arithmetic
- 36 = |49 across US counties - 85 across Illinois counties|
position among the entities that published this metric this period; not an official level
watchPiatt County, IL's years of wages of 4.5 scores 55 on the 0-to-100 scale across US counties but 89 across Illinois counties, a gap of 35 points.
Period 2026-08.Show the arithmetic
- 35 = |55 across US counties - 89 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
notePiatt County, IL's average weekly wage was 1.0% 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
- +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
notePiatt County, IL's typical home value rose 1.0% from $228,674 in July 2026 to $230,912 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +1.0% = (230911.5719452245 - 228674.44837557638) / 228674.44837557638 × 100
- 230911.5719452245 = Zillow ZHVI, 2026-08
- 228674.44837557638 = Zillow ZHVI, 2026-07
notePiatt County, IL's covered employment was 0.7% 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
- +0.7 % = 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 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.