Saline County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.75, -88.55.
Assembled 2026-10-06. Read the brief.
- 1st pct · 3,020th of 3,063 US counties · median $234,566
- 1st pct · 100th of 102 Illinois counties · median $158,585
- 7th pct · 2,833rd of 3,063 US counties · median +2.9%
- 6th pct · 95th of 102 Illinois counties · median +5.2%
- US counties: not published this period
- Illinois counties: not published this period
- 50th pct · 1,601st of 3,221 US counties · median 8,232
- 51st pct · 50th of 102 Illinois counties · median 7,611
- 26th pct · 2,370th of 3,221 US counties · median $1,039
- 19th pct · 82nd of 102 Illinois counties · median $1,061
- 2nd pct · 2,985th of 3,063 US counties · median 4.3
- 7th pct · 94th 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 $88,425 (Aug 2026), -2.9% over one year, +0.6% over five
- 1st pct · 3,020th of 3,063 US counties · median $234,566
- 1st pct · 100th of 102 Illinois counties · median $158,585
| Item | Value | Distance |
|---|---|---|
| Saline County, IL | $88,425 · -2.9% 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 $484 a month on $88,425 at 7.28%, against an average weekly wage worth $4,056 a month: 11.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $88,425 × 80% = $70,740, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $484/mo principal and interest
- wage share = payment / (avg weekly wage $936 × 52 / 12 = $4,056) = 12% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $88,425 / ($936 × 52) = 1.8
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 #
8,303 jobs at 506 employers (2026 Q1); +1.8% jobs and +2.6% average weekly wage over the year
- 50th pct · 1,601st of 3,221 US counties · median 8,232
- 51st pct · 50th of 102 Illinois counties · median 7,611
| Item | Value | Distance |
|---|---|---|
| Saline County, IL | 8,303 jobs · $936/wk · +1.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,054 | $695 | 1.30 | -3.9% |
| Transportation and warehousing | 582 | $767 | 1.66 | -1.2% |
| Construction | 556 | $1,595 | 1.28 | +13.5% |
| Accommodation and food services | 482 | $358 | 0.65 | -0.6% |
| Finance and insurance | 419 | $1,321 | 1.24 | -0.2% |
| Manufacturing | 279 | $988 | 0.42 | -2.4% |
| Information | 202 | $1,132 | 1.32 | +3.1% |
| Other services | 172 | $711 | 0.69 | +14.7% |
| Professional and technical services | 139 | $1,328 | 0.24 | -14.2% |
| Real estate and rental | 121 | $1,132 | 0.95 | +10.0% |
| Utilities | 96 | $2,767 | 2.93 | +0.0% |
| Wholesale trade | 81 | $1,013 | 0.25 | +0.0% |
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 #
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 #
$920.2 m in deposits at 15 offices of 7 banks (SOD June 2026); HHI 1,949, highly concentrated. $169.7 m federal obligations in FY2026 (direct payments $159.8 m, grants $8.8 m), $20,434 per covered job
| Item | Value | Distance |
|---|---|---|
| Legence Bank | $282.9 m · 30.7% share · 3 offices | |
| Farmers State Bank of Alto Pass, Ill. | $159.2 m · 17.3% share · 1 office | |
| Banterra Bank | $152.4 m · 16.6% share · 3 offices | |
| Saline, IL | $169.7 m FY2026 · $20,434/job | |
| MULTIPLE RECIPIENTS | $153.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Legence Bank | $282,937,000 | 30.7% | 3 |
| Farmers State Bank of Alto Pass, Ill. | $159,152,000 | 17.3% | 1 |
| Banterra Bank | $152,373,000 | 16.6% | 3 |
| Peoples National Bank , N.A. | $141,037,000 | 15.3% | 3 |
| First Mid Bank & Trust, National Association | $92,177,000 | 10.0% | 2 |
| First Southern Bank | $89,611,000 | 9.7% | 2 |
| Woodforest National Bank | $2,935,000 | 0.3% | 1 |
Deposit concentration is 1,949 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 30.7² + 17.3² + 16.6² + … (4 more) = 1,949
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 | $135,557,482 |
| Department of Veterans Affairs | $17,161,808 |
| Department of Housing and Urban Development | $4,809,250 |
| Department of Education | $3,046,287 |
| Department of Health and Human Services | $2,407,209 |
| Delta Regional Authority | $2,146,186 |
| Department of Agriculture | $1,999,254 |
| Department of Transportation | $1,733,014 |
| Railroad Retirement Board | $704,509 |
| Federal Communications Commission | $84,518 |
| Department of Defense | $16,754 |
That is $20,434 per covered job, against 8,303 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $169.7 m / 8,303 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,434
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 #
Saline County, IL: 11 findings, 1 at a watch level and 10 noted
watchSaline County, IL's typical home value is -2.9% 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 = -2.906917453586329 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteSaline County, IL's average weekly wage was 2.6% 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
- +2.6 % = 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
noteSaline County, IL's covered employment was 1.8% 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
- +1.8 % = 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
noteSaline County, IL's typical home value fell 0.6% from $88,945 in July 2026 to $88,425 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.6% = (88425.07885468786 - 88945.24004195484) / 88945.24004195484 × 100
- 88425.07885468786 = Zillow ZHVI, 2026-08
- 88945.24004195484 = Zillow ZHVI, 2026-07
noteSaline County, IL's typical home value of $88,425 ranks 3,020th of 3,063 US counties, against a median of $234,566.
Period 2026-08.Show the arithmetic
- 1 on the 0-to-100 scale across 3063 US counties that published home.latest
position among the entities that published this metric this period; not an official level
Read all 11 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.