Woodford County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.79, -89.21.
Assembled 2026-10-06. Read the brief.
- 51st pct · 1,492nd of 3,063 US counties · median $234,566
- 86th pct · 15th of 102 Illinois counties · median $158,585
- 100th pct · 1st of 5 counties in the Peoria metro · median $167,339
- 94th pct · 184th of 3,063 US counties · median +2.9%
- 88th pct · 13th of 102 Illinois counties · median +5.2%
- 100th pct · 1st of 5 counties in the Peoria metro · median +7.1%
- US counties: not published this period
- Illinois counties: not published this period
- counties in the Peoria metro: not published this period
- 57th pct · 1,385th of 3,221 US counties · median 8,232
- 61st pct · 40th of 102 Illinois counties · median 7,611
- 50th pct · 3rd of 5 counties in the Peoria metro · median 11,035
- 52nd pct · 1,525th of 3,221 US counties · median $1,039
- 43rd pct · 58th of 102 Illinois counties · median $1,061
- 25th pct · 4th of 5 counties in the Peoria metro · median $1,107
- 51st pct · 1,482nd of 3,063 US counties · median 4.3
- 88th pct · 13th of 102 Illinois counties · median 2.8
- 100th pct · 1st of 5 counties in the Peoria metro · median 3.0
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 $238,268 (Aug 2026), +9.1% over one year, +30.0% over five
- 51st pct · 1,492nd of 3,063 US counties · median $234,566
- 86th pct · 15th of 102 Illinois counties · median $158,585
- 100th pct · 1st of 5 counties in the Peoria metro · median $167,339
| Item | Value | Distance |
|---|---|---|
| Woodford County, IL | $238,268 · +9.1% 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
- counties in the Peoria metro: 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 $1,304 a month on $238,268 at 7.28%, against an average weekly wage worth $4,550 a month: 28.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $238,268 × 80% = $190,615, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,304/mo principal and interest
- wage share = payment / (avg weekly wage $1,050 × 52 / 12 = $4,550) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $238,268 / ($1,050 × 52) = 4.4
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 #
11,035 jobs at 805 employers (2026 Q1); -0.2% jobs and +2.2% average weekly wage over the year
- 57th pct · 1,385th of 3,221 US counties · median 8,232
- 61st pct · 40th of 102 Illinois counties · median 7,611
- 50th pct · 3rd of 5 counties in the Peoria metro · median 11,035
| Item | Value | Distance |
|---|---|---|
| Woodford County, IL | 11,035 jobs · $1,050/wk · -0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,840 | $1,404 | 2.07 | +3.5% |
| Health care and social assistance | 1,437 | $1,013 | 0.87 | +3.2% |
| Retail trade | 1,150 | $847 | 1.07 | -0.1% |
| Construction | 930 | $1,393 | 1.61 | +2.3% |
| Accommodation and food services | 677 | $358 | 0.68 | -10.3% |
| Professional and technical services | 645 | $1,011 | 0.85 | +0.0% |
| Wholesale trade | 566 | $1,525 | 1.34 | -6.4% |
| Agriculture, forestry, fishing | 298 | $1,411 | 3.74 | -5.7% |
| Other services | 292 | $894 | 0.89 | +5.0% |
| Administrative and waste services | 282 | $601 | 0.45 | +0.0% |
| Educational services | 199 | $861 | 0.84 | +0.5% |
| Arts, entertainment and recreation | 107 | $405 | 0.59 | +1.9% |
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 #
47 gauges · 0 flooding · 22 with quality panels averaging 100 % · 18 stale
Sites found: 47, 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-05567000 | flow 0.86 ft³/s · STALE | 11 km |
| USGS-05565900 | temp 24.7 °C · quality 100 % (1) · STALE | 17 km |
| USGS-05567500 | flow 134.0 ft³/s · quality 100 % (5) · no flooding | 19 km |
| USGS-05565600 | stage 13.0 ft | 20 km |
| USGS-05567545 | temp 25.5 °C · quality 100 % (1) · STALE | 26 km |
| Illinois River at Chillicothe | no readings | 27 km |
| USGS-05565700 | flow 13.0 ft³/s | 27 km |
| USGS-05560500 | flow 4.69 ft³/s | 28 km |
| USGS-05559900 | turb. 16.6 FNU · quality 100 % (5) · STALE | 29 km |
| USGS-05559700 | flow 47.6 ft³/s · STALE | 30 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 #
9 wells in 0 named aquifers:
Sites found: 9, 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-402750088523801 | depth 1.38 ft · 2015-06-14 | 46 km |
| USGS-402741088524102 | depth 5.64 ft · 2016-12-05 | 46 km |
| USGS-402739088524102 | depth 7.90 ft · 2016-10-26 | 46 km |
| USGS-402739088524101 | depth 6.33 ft · 2015-06-14 | 46 km |
| USGS-402736088523902 | depth 0.66 ft · 2015-06-16 | 46 km |
| USGS-402736088523901 | depth 0.89 ft · 2015-06-16 | 46 km |
| USGS-402732088523901 | depth 5.76 ft · 2015-06-14 | 46 km |
| USGS-401921089282102 | depth 35.1 ft · 2024-04-17 | 56 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 + 0.2×0.00 / 0.55
Banks & federal dollars #
$972.0 m in deposits at 18 offices of 5 banks (SOD June 2026); HHI 2,479, highly concentrated. $242.3 m federal obligations in FY2026 (direct payments $232.1 m, grants $10.0 m), $21,953 per covered job
| Item | Value | Distance |
|---|---|---|
| Morton Community Bank | $329.0 m · 33.9% share · 5 offices | |
| Heartland Bank and Trust Company | $254.1 m · 26.1% share · 6 offices | |
| Goodfield State Bank | $214.9 m · 22.1% share · 4 offices | |
| Woodford, IL | $242.3 m FY2026 · $21,953/job | |
| MULTIPLE RECIPIENTS | $224.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Morton Community Bank | $329,030,000 | 33.9% | 5 |
| Heartland Bank and Trust Company | $254,142,000 | 26.1% | 6 |
| Goodfield State Bank | $214,936,000 | 22.1% | 4 |
| Flanagan State Bank | $90,872,000 | 9.3% | 2 |
| Commerce Bank | $83,007,000 | 8.5% | 1 |
Deposit concentration is 2,479 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 33.9² + 26.1² + 22.1² + … (2 more) = 2,479
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 | $204,248,181 |
| Department of Veterans Affairs | $19,048,344 |
| Department of Transportation | $9,190,204 |
| Department of Agriculture | $4,649,313 |
| Department of Education | $2,437,498 |
| Department of Housing and Urban Development | $1,649,981 |
| Railroad Retirement Board | $868,925 |
| Federal Communications Commission | $125,856 |
| Department of Homeland Security | $37,291 |
| Small Business Administration | $0 |
| Institute of Museum and Library Services | -$520 |
That is $21,953 per covered job, against 11,035 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $242.3 m / 11,035 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,953
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 | 2026-10-06 | +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 #
Woodford County, IL: 11 findings, 3 at a watch level and 8 noted
watchWoodford County, IL's covered employment is -0.2% 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 = -0.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchWoodford County, IL's years of wages of 4.4 scores 52 on the 0-to-100 scale across US counties but 88 across Illinois counties, a gap of 36 points.
Period 2026-08.Show the arithmetic
- 36 = |52 across US counties - 88 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
watchWoodford County, IL's typical home value of $238,268 scores 51 on the 0-to-100 scale across US counties but 86 across Illinois counties, a gap of 35 points.
Period 2026-08.Show the arithmetic
- 35 = |51 across US counties - 86 across Illinois counties|
position among the entities that published this metric this period; not an official level
noteWoodford County, IL's average weekly wage was 2.2% 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
- +2.2 % = 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
noteWoodford County, IL's typical home value rose 0.8% from $236,400 in July 2026 to $238,268 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.8% = (238268.35041048445 - 236399.63686912545) / 236399.63686912545 × 100
- 238268.35041048445 = Zillow ZHVI, 2026-08
- 236399.63686912545 = Zillow ZHVI, 2026-07
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.