Pulaski County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.22, -89.13.
Assembled 2026-10-07. Read the brief.
- 0th pct · 3,046th of 3,063 US counties · median $234,566
- 0th pct · 101st of 102 Illinois counties · median $158,585
- 2nd pct · 2,990th of 3,063 US counties · median +2.9%
- 1st pct · 100th of 102 Illinois counties · median +5.2%
- US counties: not published this period
- Illinois counties: not published this period
- 8th pct · 2,958th of 3,221 US counties · median 8,232
- 7th pct · 94th of 102 Illinois counties · median 7,611
- 15th pct · 2,710th of 3,221 US counties · median $1,039
- 8th pct · 93rd of 102 Illinois counties · median $1,061
- 1st pct · 3,018th of 3,063 US counties · median 4.3
- 1st pct · 100th 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 $74,037 (Aug 2026), -7.7% over one year, -36.5% over five
- 0th pct · 3,046th of 3,063 US counties · median $234,566
- 0th pct · 101st of 102 Illinois counties · median $158,585
| Item | Value | Distance |
|---|---|---|
| Pulaski County, IL | $74,037 · -7.7% 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 $405 a month on $74,037 at 7.28%, against an average weekly wage worth $3,813 a month: 10.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $74,037 × 80% = $59,229, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $405/mo principal and interest
- wage share = payment / (avg weekly wage $880 × 52 / 12 = $3,813) = 11% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $74,037 / ($880 × 52) = 1.6
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 #
1,179 jobs at 104 employers (2026 Q1); -5.1% jobs and +5.8% average weekly wage over the year
- 8th pct · 2,958th of 3,221 US counties · median 8,232
- 7th pct · 94th of 102 Illinois counties · median 7,611
| Item | Value | Distance |
|---|---|---|
| Pulaski County, IL | 1,179 jobs · $880/wk · -5.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 79 | $621 | 0.69 | -11.2% |
| Other services | 63 | $608 | 1.79 | -6.0% |
| Wholesale trade | 50 | $1,190 | 1.11 | +6.4% |
| Accommodation and food services | 46 | $240 | 0.43 | +7.0% |
| Transportation and warehousing | 38 | $1,574 | 0.76 | -19.1% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Construction | withheld | |||
| Manufacturing | withheld | |||
| Finance and insurance | withheld | |||
| Administrative and waste services | withheld | |||
| Educational services | 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.
Water #
Banks & federal dollars #
$81.9 m in deposits at 5 offices of 3 banks (SOD June 2026); HHI 7,251, highly concentrated. $53.9 m federal obligations in FY2026 (direct payments $38.7 m, grants $11.0 m), $45,678 per covered job
| Item | Value | Distance |
|---|---|---|
| First State Bank of Olmsted | $68.4 m · 83.5% share · 2 offices | |
| Grand Rivers Community Bank | $13.5 m · 16.5% share · 2 offices | |
| The First State Bank of Dongola | $0 · 0.0% share · 1 office | |
| Pulaski, IL | $53.9 m FY2026 · $45,678/job | |
| MULTIPLE RECIPIENTS | $33.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First State Bank of Olmsted | $68,409,000 | 83.5% | 2 |
| Grand Rivers Community Bank | $13,469,000 | 16.5% | 2 |
| The First State Bank of Dongola | $0 | 0.0% | 1 |
Deposit concentration is 7,251 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 83.5² + 16.5² = 7,251
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 | $29,313,627 |
| Department of Health and Human Services | $6,679,187 |
| Department of Veterans Affairs | $4,398,964 |
| Department of Defense | $3,625,980 |
| Department of Agriculture | $2,902,381 |
| Department of Transportation | $2,865,772 |
| Department of Education | $2,665,464 |
| Department of Housing and Urban Development | $867,461 |
| Railroad Retirement Board | $240,603 |
| Federal Communications Commission | $124,525 |
| Department of Justice | $118,359 |
| Delta Regional Authority | $52,586 |
That is $45,678 per covered job, against 1,179 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $53.9 m / 1,179 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $45,678
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 | 2026-10-07 | +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 #
Pulaski County, IL: 22 findings, 2 at an alert level, 3 at a watch level and 17 noted
alertPulaski County, IL's typical home value is -7.7% against a year earlier, an alert level here: typical home value at least 5 percent below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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: home.yoyPct = -7.669714713498123 <= -5
arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, not an official level
alertPulaski County, IL's covered employment is -5.1% 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 = -5.1 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchPulaski County, IL's typical home value is -7.7% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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: home.yoyPct = -7.669714713498123 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchPulaski County, IL's covered employment is -5.1% 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 = -5.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchPulaski County, IL's momentum index is -0.34, a watch level here: momentum index in the cooling band (the cooling band of the momentum index computed here, score at or below -0.25; 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: momentum = -0.33932326439797295 <= -0.25
- 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%)
the cooling band of the momentum index computed here, score at or below -0.25; convention chosen for this dashboard, not an official level
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.