McLean County, IL
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.49, -88.84.
Assembled 2026-10-19. Read the brief.
- 60th pct · 1,223rd of 3,063 US counties · median $230,451
- 89th pct · 12th of 102 Illinois counties · median $158,551
- counties in the Bloomington metro: Rank context is unavailable: the manifest lists 1 counties in the Bloomington metro; fewer than 5 is too few to rank.
- 38th pct · 1,883rd of 3,062 US counties · median +2.9%
- 18th pct · 83rd of 102 Illinois counties · median +5.0%
- counties in the Bloomington metro: Rank context is unavailable: the manifest lists 1 counties in the Bloomington metro; fewer than 5 is too few to rank.
- 30th pct · 944th of 1,358 US counties · median $1,506
- 58th pct · 14th of 32 Illinois counties · median $1,198
- counties in the Bloomington metro: Rank context is unavailable: the manifest lists 1 counties in the Bloomington metro; fewer than 5 is too few to rank.
- 89th pct · 341st of 3,221 US counties · median 8,232
- 88th pct · 13th of 102 Illinois counties · median 7,611
- counties in the Bloomington metro: Rank context is unavailable: the manifest lists 1 counties in the Bloomington metro; fewer than 5 is too few to rank.
- 92nd pct · 237th of 3,221 US counties · median $1,039
- 94th pct · 7th of 102 Illinois counties · median $1,061
- counties in the Bloomington metro: Rank context is unavailable: the manifest lists 1 counties in the Bloomington metro; fewer than 5 is too few to rank.
- 29th pct · 2,157th of 3,063 US counties · median 4.2
- 75th pct · 26th of 102 Illinois counties · median 2.8
- counties in the Bloomington metro: Rank context is unavailable: the manifest lists 1 counties in the Bloomington metro; fewer than 5 is too few to rank.
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 $260,569 (Sep 2026), +1.9% over one year, +36.0% over five
- 60th pct · 1,223rd of 3,063 US counties · median $230,451
- 89th pct · 12th of 102 Illinois counties · median $158,551
- counties in the Bloomington metro: Rank context is unavailable: the manifest lists 1 counties in the Bloomington metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| McLean County, IL | $260,569 · +1.9% 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 #
Typical rent $1,292/mo (Sep 2026), +4.3% over one year; price-to-rent 16.8
- 30th pct · 944th of 1,358 US counties · median $1,506
- 58th pct · 14th of 32 Illinois counties · median $1,198
- counties in the Bloomington metro: Rank context is unavailable: the manifest lists 1 counties in the Bloomington metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| McLean County, IL | $1,292/mo · +4.3% 1-yr |
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 $1,443 a month on $260,569 at 7.40%, against an average weekly wage worth $6,491 a month: 22.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $260,569 × 80% = $208,455, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,443/mo principal and interest
- wage share = payment / (avg weekly wage $1,498 × 52 / 12 = $6,491) = 22% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $260,569 / ($1,498 × 52) = 3.3
- price-to-rent = $260,569 / ($1,292 × 12) = 16.8
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 #
87,253 jobs at 3,433 employers (2026 Q1); +0.8% jobs and +6.2% average weekly wage over the year
- 89th pct · 341st of 3,221 US counties · median 8,232
- 88th pct · 13th of 102 Illinois counties · median 7,611
- counties in the Bloomington metro: Rank context is unavailable: the manifest lists 1 counties in the Bloomington metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| McLean County, IL | 87,253 jobs · $1,498/wk · +0.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Finance and insurance | 16,013 | $3,058 | 4.50 | -6.7% |
| Health care and social assistance | 12,061 | $1,299 | 0.92 | +13.2% |
| Accommodation and food services | 8,628 | $491 | 1.10 | -1.2% |
| Manufacturing | 8,594 | $1,941 | 1.22 | +5.6% |
| Retail trade | 7,890 | $693 | 0.93 | -3.5% |
| Administrative and waste services | 3,893 | $952 | 0.78 | +8.1% |
| Construction | 2,907 | $1,392 | 0.64 | +9.8% |
| Other services | 2,674 | $1,054 | 1.03 | +2.2% |
| Transportation and warehousing | 1,987 | $1,255 | 0.54 | -5.0% |
| Wholesale trade | 1,733 | $1,535 | 0.52 | -10.3% |
| Educational services | 1,179 | $796 | 0.63 | -0.9% |
| Arts, entertainment and recreation | 1,135 | $547 | 0.79 | -4.2% |
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 #
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 #
$4.6 bn in deposits at 46 offices of 26 banks (SOD June 2026); HHI 1,217, moderately concentrated. $962.3 m federal obligations in FY2026 (direct payments $848.0 m, grants $112.0 m), $11,029 per covered job
| Item | Value | Distance |
|---|---|---|
| Heartland Bank and Trust Company | $941.0 m · 20.6% share · 9 offices | |
| Commerce Bank | $752.6 m · 16.5% share · 2 offices | |
| Busey Bank | $637.6 m · 14.0% share · 3 offices | |
| McLean, IL | $962.3 m FY2026 · $11,029/job | |
| MULTIPLE RECIPIENTS | $765.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Heartland Bank and Trust Company | $941,015,000 | 20.6% | 9 |
| Commerce Bank | $752,639,000 | 16.5% | 2 |
| Busey Bank | $637,622,000 | 14.0% | 3 |
| PNC Bank, National Association | $612,550,000 | 13.4% | 3 |
| JPMorgan Chase Bank, National Association | $444,604,000 | 9.7% | 2 |
| U.S. Bank National Association | $150,730,000 | 3.3% | 2 |
| First State Bank and Trust | $135,074,000 | 3.0% | 2 |
| First State Bank | $104,002,000 | 2.3% | 1 |
| Flanagan State Bank | $100,055,000 | 2.2% | 3 |
| Regions Bank | $82,458,000 | 1.8% | 1 |
Deposit concentration is 1,217 across 26 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 26 banks with deposits in the county = 20.6² + 16.5² + 14.0² + … (23 more) = 1,217
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 | $696,695,995 |
| Department of Transportation | $84,875,660 |
| Department of Veterans Affairs | $64,143,359 |
| Department of Education | $59,267,256 |
| Department of Housing and Urban Development | $16,307,087 |
| Department of Health and Human Services | $14,616,581 |
| Department of Agriculture | $13,968,456 |
| Railroad Retirement Board | $4,359,673 |
| Department of the Treasury | $1,616,939 |
| Environmental Protection Agency | $1,600,000 |
| Federal Communications Commission | $1,181,233 |
| Institute of Museum and Library Services | $1,175,961 |
That is $11,029 per covered job, against 87,253 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $962.3 m / 87,253 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $11,029
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 | 17.95 | 2026-10-18 | -2.6% |
| 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 · % | 72.20 | 2026-10-19 | +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 | 7.00 | 2026-10-13 | +133.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 101.91 | 2026-10-14 | +1.0% |
| 30-year fixed mortgage rate · % | 7.40 | 2026-10-15 | +0.0% |
| 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 | -105,572.00 | 2026-08-01 | -13.7% |
| Retail sales excluding food services, monthly · $ millions | 652,115.00 | 2026-09-01 | +0.7% |
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 #
McLean County, IL: 11 findings, 2 at a watch level and 9 noted
watchMcLean County, IL's years of wages of 3.3 scores 30 on the 0-to-100 scale across US counties but 75 across Illinois counties, a gap of 46 points.
Period 2026-09.Show the arithmetic
- 46 = |30 across US counties - 75 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
watchMcLean County, IL's price-to-rent ratio of 16.8 scores 49 on the 0-to-100 scale across US counties but 87 across Illinois counties, a gap of 38 points.
Period 2026-09.Show the arithmetic
- 38 = |49 across US counties - 87 across Illinois counties|
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
noteMcLean County, IL's average weekly wage was 6.2% 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
- +6.2 % = 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
noteMcLean County, IL's covered employment was 0.8% 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
- +0.8 % = 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
noteMcLean County, IL's typical asking rent rose 0.6% from $1,285 in August 2026 to $1,292 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +0.6% = (1292.0320744820351 - 1284.5238580646546) / 1284.5238580646546 × 100
- 1292.0320744820351 = Zillow ZORI, 2026-09
- 1284.5238580646546 = Zillow ZORI, 2026-08
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.