Putnam County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.20, -89.30.
Assembled 2026-10-06. Read the brief.
- 34th pct · 2,018th of 3,063 US counties · median $234,566
- 73rd pct · 28th of 102 Illinois counties · median $158,585
- 54th pct · 1,395th of 3,063 US counties · median +2.9%
- 28th pct · 73rd of 102 Illinois counties · median +5.2%
- US counties: not published this period
- Illinois counties: not published this period
- 15th pct · 2,715th of 3,221 US counties · median 8,232
- 11th pct · 90th of 102 Illinois counties · median 7,611
- 82nd pct · 572nd of 3,221 US counties · median $1,039
- 85th pct · 16th of 102 Illinois counties · median $1,061
- 18th pct · 2,504th of 3,063 US counties · median 4.3
- 53rd pct · 48th 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 $193,159 (Aug 2026), +3.3% over one year, +30.6% over five
- 34th pct · 2,018th of 3,063 US counties · median $234,566
- 73rd pct · 28th of 102 Illinois counties · median $158,585
| Item | Value | Distance |
|---|---|---|
| Putnam County, IL | $193,159 · +3.3% 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 $1,057 a month on $193,159 at 7.28%, against an average weekly wage worth $5,490 a month: 19.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $193,159 × 80% = $154,527, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,057/mo principal and interest
- wage share = payment / (avg weekly wage $1,267 × 52 / 12 = $5,490) = 19% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $193,159 / ($1,267 × 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 #
1,948 jobs at 170 employers (2026 Q1); -1.9% jobs and +3.1% average weekly wage over the year
- 15th pct · 2,715th of 3,221 US counties · median 8,232
- 11th pct · 90th of 102 Illinois counties · median 7,611
| Item | Value | Distance |
|---|---|---|
| Putnam County, IL | 1,948 jobs · $1,267/wk · -1.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 461 | $1,515 | 2.94 | -12.9% |
| Transportation and warehousing | 222 | $1,563 | 2.70 | +11.0% |
| Retail trade | 76 | $694 | 0.40 | -1.3% |
| Finance and insurance | 59 | $1,395 | 0.74 | +0.0% |
| Accommodation and food services | 47 | $418 | 0.27 | +4.4% |
| Health care and social assistance | 36 | $923 | 0.12 | +0.0% |
| Professional and technical services | 32 | $1,396 | 0.24 | -8.6% |
| Arts, entertainment and recreation | 13 | $350 | 0.41 | -18.8% |
| Real estate and rental | 7 | $614 | 0.23 | -30.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | 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 #
30 gauges · 0 flooding · 14 with quality panels averaging 99 % · 10 stale
Sites found: 30, 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-05558300 | flow 24,800 ft³/s · quality 90 % (5) | 11 km |
| USGS-05557500 | flow 1.64 ft³/s · STALE | 17 km |
| USGS-05556500 | flow 432.0 ft³/s | 25 km |
| USGS-05553700 | turb. 8.10 FNU · quality 100 % (5) | 30 km |
| USGS-05555300 | flow 271.0 ft³/s · quality 100 % (1) | 31 km |
| USGS-05559700 | flow 47.6 ft³/s · STALE | 33 km |
| USGS-05568770 | temp 20.6 °C · quality 100 % (1) · STALE | 39 km |
| USGS-05555000 | temp 22.4 °C · quality 100 % (1) · STALE | 41 km |
| USGS-05552500 | flow 5,280 ft³/s | 47 km |
| USGS-05568800 | flow 94.7 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 #
2 wells in 0 named aquifers:
Sites found: 2, 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-413743089310102 | depth 25.5 ft · 2022-02-08 | 51 km |
| USGS-413743089310101 | depth 0.63 ft · 2026-10-05 | 51 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 + 0.2×0.01 / 0.55
Banks & federal dollars #
$195.0 m in deposits at 3 offices of 3 banks (SOD June 2026); HHI 3,509, highly concentrated. $42.4 m federal obligations in FY2026 (direct payments $42.3 m, grants $118,277), $21,755 per covered job
| Item | Value | Distance |
|---|---|---|
| North Central Bank | $85.6 m · 43.9% share · 1 office | |
| The Granville National Bank | $58.6 m · 30.0% share · 1 office | |
| First State Bank | $50.8 m · 26.0% share · 1 office | |
| Putnam, IL | $42.4 m FY2026 · $21,755/job | |
| MULTIPLE RECIPIENTS | $40.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| North Central Bank | $85,623,000 | 43.9% | 1 |
| The Granville National Bank | $58,570,000 | 30.0% | 1 |
| First State Bank | $50,769,000 | 26.0% | 1 |
Deposit concentration is 3,509 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 = 43.9² + 30.0² + 26.0² = 3,509
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 | $37,361,859 |
| Department of Veterans Affairs | $2,868,045 |
| Department of Agriculture | $1,784,047 |
| Railroad Retirement Board | $208,952 |
| Department of Transportation | $118,277 |
| Federal Communications Commission | $37,418 |
| Department of Energy | $0 |
That is $21,755 per covered job, against 1,948 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $42.4 m / 1,948 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,755
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 #
Putnam County, IL: 7 findings, 3 at a watch level and 4 noted
watchPutnam County, IL's covered employment is -1.9% 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 = -1.9 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchPutnam County, IL's typical home value of $193,159 scores 34 on the 0-to-100 scale across US counties but 73 across Illinois counties, a gap of 39 points.
Period 2026-08.Show the arithmetic
- 39 = |34 across US counties - 73 across Illinois counties|
position among the entities that published this metric this period; not an official level
watchPutnam County, IL's years of wages of 2.9 scores 18 on the 0-to-100 scale across US counties but 53 across Illinois counties, a gap of 35 points.
Period 2026-08.Show the arithmetic
- 35 = |18 across US counties - 53 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
notePutnam County, IL's average weekly wage was 3.1% 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
- +3.1 % = 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
notePutnam County, IL's covered employment was 1.9% 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
- -1.9 % = 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 7 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.