Warren County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.85, -90.62.
Assembled 2026-10-06. Read the brief.
- 5th pct · 2,889th of 3,063 US counties · median $234,566
- 19th pct · 82nd of 102 Illinois counties · median $158,585
- 17th pct · 2,541st of 3,063 US counties · median +2.9%
- 9th pct · 92nd of 102 Illinois counties · median +5.2%
- US counties: not published this period
- Illinois counties: not published this period
- 43rd pct · 1,821st of 3,221 US counties · median 8,232
- 44th pct · 57th of 102 Illinois counties · median 7,611
- 16th pct · 2,682nd of 3,221 US counties · median $1,039
- 10th pct · 91st of 102 Illinois counties · median $1,061
- 10th pct · 2,733rd of 3,063 US counties · median 4.3
- 36th pct · 65th 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 $116,471 (Aug 2026), -0.6% over one year, +17.9% over five
- 5th pct · 2,889th of 3,063 US counties · median $234,566
- 19th pct · 82nd of 102 Illinois counties · median $158,585
| Item | Value | Distance |
|---|---|---|
| Warren County, IL | $116,471 · -0.6% 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 $638 a month on $116,471 at 7.28%, against an average weekly wage worth $3,839 a month: 16.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $116,471 × 80% = $93,177, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $638/mo principal and interest
- wage share = payment / (avg weekly wage $886 × 52 / 12 = $3,839) = 17% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $116,471 / ($886 × 52) = 2.5
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 #
6,315 jobs at 367 employers (2026 Q1); +0.1% jobs and +1.7% average weekly wage over the year
- 43rd pct · 1,821st of 3,221 US counties · median 8,232
- 44th pct · 57th of 102 Illinois counties · median 7,611
| Item | Value | Distance |
|---|---|---|
| Warren County, IL | 6,315 jobs · $886/wk · +0.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,838 | $1,203 | 3.62 | -4.9% |
| Accommodation and food services | 663 | $340 | 1.17 | -1.0% |
| Retail trade | 555 | $647 | 0.90 | -1.9% |
| Wholesale trade | 241 | $1,144 | 1.00 | +3.9% |
| Transportation and warehousing | 237 | $1,144 | 0.89 | -11.2% |
| Finance and insurance | 148 | $1,315 | 0.58 | -3.9% |
| Other services | 129 | $597 | 0.68 | +0.0% |
| Professional and technical services | 64 | $964 | 0.15 | -9.9% |
| Arts, entertainment and recreation | 13 | $371 | 0.13 | -13.3% |
| Real estate and rental | 12 | $484 | 0.12 | +0.0% |
| 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 #
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 #
32 gauges · 2 flooding · 6 with quality panels averaging 100 % · 9 stale
Sites found: 32, 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-05465500 | flow 41,100 ft³/s · quality 100 % (1) · MINOR flooding | 60 km |
| USGS-05465700 | flow 42,100 ft³/s · MINOR flooding | 47 km |
| USGS-05469000 | flow 636.0 ft³/s · no flooding | 26 km |
| USGS-05569500 | flow 1,670 ft³/s · quality 100 % (1) · no flooding | 33 km |
| Mississippi River at Gladstone | no flooding | 34 km |
| USGS-05467000 | flow 268.0 ft³/s · no flooding | 40 km |
| Mississippi River at Burlington | no flooding | 40 km |
| Mississippi River at Keithsburg | no flooding | 40 km |
| USGS-05568917 | temp 24.4 °C · quality 100 % (1) · STALE | 44 km |
| USGS-05570000 | flow 2,490 ft³/s · quality 100 % (1) · no flooding | 47 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 #
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 + 0.2×0.00 / 0.55
Banks & federal dollars #
$638.9 m in deposits at 6 offices of 6 banks (SOD June 2026); HHI 3,622, highly concentrated. $134.8 m federal obligations in FY2026 (direct payments $94.9 m, grants $39.9 m), $21,348 per covered job
| Item | Value | Distance |
|---|---|---|
| Midwest Bank | $325.3 m · 50.9% share · 1 office | |
| Security Savings Bank | $193.6 m · 30.3% share · 1 office | |
| Community National Bank in Monmouth | $47.7 m · 7.5% share · 1 office | |
| Warren, IL | $134.8 m FY2026 · $21,348/job | |
| MULTIPLE RECIPIENTS | $90.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Midwest Bank | $325,262,000 | 50.9% | 1 |
| Security Savings Bank | $193,565,000 | 30.3% | 1 |
| Community National Bank in Monmouth | $47,669,000 | 7.5% | 1 |
| Fortress Bank | $41,947,000 | 6.6% | 1 |
| Morton Community Bank | $21,242,000 | 3.3% | 1 |
| CBI Bank & Trust | $9,170,000 | 1.4% | 1 |
Deposit concentration is 3,622 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 50.9² + 30.3² + 7.5² + … (3 more) = 3,622
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 | $79,395,427 |
| Department of Transportation | $38,163,616 |
| Department of Veterans Affairs | $7,719,515 |
| Railroad Retirement Board | $3,502,938 |
| Department of Education | $2,219,443 |
| Department of Housing and Urban Development | $2,034,294 |
| Department of Agriculture | $1,776,462 |
| Department of the Interior | $5,000 |
| National Science Foundation | $0 |
| Department of Energy | $0 |
| Department of Health and Human Services | -$6,633 |
That is $21,348 per covered job, against 6,315 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $134.8 m / 6,315 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,348
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 #
Warren County, IL: 7 findings, 1 at a watch level and 6 noted
watchWarren County, IL's typical home value is -0.6% 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 = -0.5887771569389103 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteWarren County, IL's average weekly wage was 1.7% 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
- +1.7 % = 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
noteWarren County, IL's typical home value rose 0.3% from $116,098 in July 2026 to $116,471 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (116470.780227901 - 116097.72180975594) / 116097.72180975594 × 100
- 116470.780227901 = Zillow ZHVI, 2026-08
- 116097.72180975594 = Zillow ZHVI, 2026-07
noteWarren County, IL's covered employment was 0.1% 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
- +0.1 % = 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
noteWarren County, IL's typical home value of $116,471 ranks 2,889th of 3,063 US counties, against a median of $234,566.
Period 2026-08.Show the arithmetic
- 6 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 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.