White County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.09, -88.18.
Assembled 2026-10-06. Read the brief.
- 5th pct · 2,892nd of 3,063 US counties · median $234,566
- 18th pct · 83rd of 102 Illinois counties · median $158,585
- 92nd pct · 244th of 3,063 US counties · median +2.9%
- 83rd pct · 18th of 102 Illinois counties · median +5.2%
- US counties: not published this period
- Illinois counties: not published this period
- 32nd pct · 2,171st of 3,221 US counties · median 8,232
- 28th pct · 73rd of 102 Illinois counties · median 7,611
- 29th pct · 2,275th of 3,221 US counties · median $1,039
- 23rd pct · 78th of 102 Illinois counties · median $1,061
- 7th pct · 2,821st of 3,063 US counties · median 4.3
- 24th pct · 77th 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 $115,804 (Aug 2026), +8.3% over one year, -10.5% over five
- 5th pct · 2,892nd of 3,063 US counties · median $234,566
- 18th pct · 83rd of 102 Illinois counties · median $158,585
| Item | Value | Distance |
|---|---|---|
| White County, IL | $115,804 · +8.3% 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 $634 a month on $115,804 at 7.28%, against an average weekly wage worth $4,117 a month: 15.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $115,804 × 80% = $92,644, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $634/mo principal and interest
- wage share = payment / (avg weekly wage $950 × 52 / 12 = $4,117) = 15% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $115,804 / ($950 × 52) = 2.3
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 #
4,166 jobs at 330 employers (2026 Q1); +2.0% jobs and +1.8% average weekly wage over the year
- 32nd pct · 2,171st of 3,221 US counties · median 8,232
- 28th pct · 73rd of 102 Illinois counties · median 7,611
| Item | Value | Distance |
|---|---|---|
| White County, IL | 4,166 jobs · $950/wk · +2.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 737 | $752 | 1.82 | +2.1% |
| Manufacturing | 270 | $1,074 | 0.81 | -3.2% |
| Accommodation and food services | 268 | $342 | 0.72 | +9.8% |
| Mining, oil and gas | 260 | $1,344 | 17.53 | -16.4% |
| Finance and insurance | 182 | $1,802 | 1.07 | -1.1% |
| Administrative and waste services | 181 | $1,294 | 0.76 | +61.6% |
| Transportation and warehousing | 174 | $1,491 | 0.99 | +10.1% |
| Construction | 168 | $1,410 | 0.77 | +26.3% |
| Other services | 164 | $686 | 1.32 | +2.5% |
| Agriculture, forestry, fishing | 117 | $1,014 | 3.89 | -4.1% |
| Professional and technical services | 61 | $742 | 0.21 | -14.1% |
| Arts, entertainment and recreation | 38 | $573 | 0.55 | -5.0% |
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 #
$501.9 m in deposits at 9 offices of 6 banks (SOD June 2026); HHI 2,705, highly concentrated. $112.1 m federal obligations in FY2026 (direct payments $96.5 m, grants $15.6 m), $26,902 per covered job
| Item | Value | Distance |
|---|---|---|
| The First National Bank of Carmi | $216.3 m · 43.1% share · 3 offices | |
| Banterra Bank | $116.6 m · 23.2% share · 2 offices | |
| First Mid Bank & Trust, National Association | $57.0 m · 11.4% share · 1 office | |
| White, IL | $112.1 m FY2026 · $26,902/job | |
| MULTIPLE RECIPIENTS | $90.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The First National Bank of Carmi | $216,306,000 | 43.1% | 3 |
| Banterra Bank | $116,567,000 | 23.2% | 2 |
| First Mid Bank & Trust, National Association | $56,983,000 | 11.4% | 1 |
| Peoples National Bank , N.A. | $46,633,000 | 9.3% | 1 |
| The Fairfield National Bank | $42,860,000 | 8.5% | 1 |
| Citizens National Bank of Albion | $22,588,000 | 4.5% | 1 |
Deposit concentration is 2,705 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 = 43.1² + 23.2² + 11.4² + … (3 more) = 2,705
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 | $80,533,310 |
| Department of Veterans Affairs | $9,199,448 |
| Department of Transportation | $8,988,883 |
| Department of Health and Human Services | $5,987,740 |
| Department of Agriculture | $5,059,372 |
| Department of Housing and Urban Development | $1,115,347 |
| Railroad Retirement Board | $515,316 |
| Delta Regional Authority | $500,000 |
| Federal Communications Commission | $159,447 |
| Department of Education | $16,496 |
| Department of the Interior | $0 |
| Department of Defense | $0 |
That is $26,902 per covered job, against 4,166 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $112.1 m / 4,166 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $26,902
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 #
White County, IL: 9 findings, 9 noted
noteWhite County, IL's covered employment was 2.0% 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
- +2 % = 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
noteWhite County, IL's average weekly wage 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
noteWhite County, IL's typical home value of $115,804 ranks 2,892nd 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
noteWhite County, IL's momentum index of 0.62 ranks 8th of 102 Illinois counties, against a median of 0.19.
Period 2026-08.Show the arithmetic
- 93 on the 0-to-100 scale across 102 Illinois counties that published momentum
- 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%)
position among the entities that published this metric this period; not an official level
noteWhite County, IL's years of wages of 2.3 ranks 2,821st of 3,063 US counties, against a median of 4.3.
Period 2026-08.Show the arithmetic
- 8 on the 0-to-100 scale across 3063 US counties that published yearsOfWages
- 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
Read all 9 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.