Bartholomew County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.21, -85.90.
Assembled 2026-10-06. Read the brief.
- 63rd pct · 1,122nd of 3,063 US counties · median $234,566
- 76th pct · 22nd of 92 Indiana counties · median $234,055
- counties in the Columbus metro: Rank context is unavailable: the manifest lists 1 counties in the Columbus metro; fewer than 5 is too few to rank.
- 45th pct · 1,679th of 3,063 US counties · median +2.9%
- 25th pct · 69th of 92 Indiana counties · median +4.2%
- counties in the Columbus metro: Rank context is unavailable: the manifest lists 1 counties in the Columbus metro; fewer than 5 is too few to rank.
- 40th pct · 835th of 1,399 US counties · median $1,496
- 63rd pct · 14th of 37 Indiana counties · median $1,174
- counties in the Columbus metro: Rank context is unavailable: the manifest lists 1 counties in the Columbus metro; fewer than 5 is too few to rank.
- 83rd pct · 522nd of 3,221 US counties · median 8,232
- 84th pct · 15th of 92 Indiana counties · median 12,958
- counties in the Columbus metro: Rank context is unavailable: the manifest lists 1 counties in the Columbus metro; fewer than 5 is too few to rank.
- 96th pct · 115th of 3,221 US counties · median $1,039
- 97th pct · 3rd of 92 Indiana counties · median $1,045
- counties in the Columbus metro: Rank context is unavailable: the manifest lists 1 counties in the Columbus metro; fewer than 5 is too few to rank.
- 21st pct · 2,404th of 3,063 US counties · median 4.3
- 15th pct · 78th of 92 Indiana counties · median 4.2
- counties in the Columbus metro: Rank context is unavailable: the manifest lists 1 counties in the Columbus 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 $276,336 (Aug 2026), +2.5% over one year, +29.8% over five
- 63rd pct · 1,122nd of 3,063 US counties · median $234,566
- 76th pct · 22nd of 92 Indiana counties · median $234,055
- counties in the Columbus metro: Rank context is unavailable: the manifest lists 1 counties in the Columbus metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Bartholomew County, IN | $276,336 · +2.5% 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 $1,390/mo (Aug 2026), +1.4% over one year; price-to-rent 16.6
- 40th pct · 835th of 1,399 US counties · median $1,496
- 63rd pct · 14th of 37 Indiana counties · median $1,174
- counties in the Columbus metro: Rank context is unavailable: the manifest lists 1 counties in the Columbus metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Bartholomew County, IN | $1,390/mo · +1.4% 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 $1,513 a month on $276,336 at 7.28%, against an average weekly wage worth $7,510 a month: 20.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $276,336 × 80% = $221,069, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,513/mo principal and interest
- wage share = payment / (avg weekly wage $1,733 × 52 / 12 = $7,510) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $276,336 / ($1,733 × 52) = 3.1
- price-to-rent = $276,336 / ($1,390 × 12) = 16.6
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 #
48,351 jobs at 2,155 employers (2026 Q1); -2.8% jobs and -1.0% average weekly wage over the year
- 83rd pct · 522nd of 3,221 US counties · median 8,232
- 84th pct · 15th of 92 Indiana counties · median 12,958
- counties in the Columbus metro: Rank context is unavailable: the manifest lists 1 counties in the Columbus metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Bartholomew County, IN | 48,351 jobs · $1,733/wk · -2.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 18,389 | $2,753 | 4.73 | -3.1% |
| Retail trade | 4,687 | $666 | 0.99 | -2.2% |
| Accommodation and food services | 3,595 | $477 | 0.83 | -0.4% |
| Administrative and waste services | 2,140 | $911 | 0.78 | -5.6% |
| Wholesale trade | 1,736 | $2,477 | 0.94 | +3.0% |
| Construction | 1,704 | $1,238 | 0.67 | +1.9% |
| Professional and technical services | 1,349 | $1,659 | 0.40 | -6.1% |
| Finance and insurance | 1,084 | $2,272 | 0.55 | +0.0% |
| Other services | 1,048 | $830 | 0.73 | +1.4% |
| Management of companies | 546 | $2,158 | 0.67 | -13.6% |
| Transportation and warehousing | 532 | $1,259 | 0.26 | -24.4% |
| Real estate and rental | 308 | $962 | 0.42 | -16.3% |
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 #
$2.0 bn in deposits at 21 offices of 9 banks (SOD June 2026); HHI 3,035, highly concentrated. $648.8 m federal obligations in FY2026 (direct payments $592.0 m, contracts $41.0 m), $13,419 per covered job
| Item | Value | Distance |
|---|---|---|
| First Financial Bank | $1.0 bn · 51.1% share · 6 offices | |
| German American Bank | $239.5 m · 12.1% share · 4 offices | |
| Old National Bank | $223.7 m · 11.3% share · 2 offices | |
| Bartholomew, IN | $648.8 m FY2026 · $13,419/job | |
| MULTIPLE RECIPIENTS | $578.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Financial Bank | $1,009,656,000 | 51.1% | 6 |
| German American Bank | $239,533,000 | 12.1% | 4 |
| Old National Bank | $223,737,000 | 11.3% | 2 |
| Jackson County Bank | $157,947,000 | 8.0% | 3 |
| PNC Bank, National Association | $117,174,000 | 5.9% | 1 |
| Fifth Third Bank, National Association | $100,902,000 | 5.1% | 1 |
| Horizon Bank | $78,234,000 | 4.0% | 1 |
| Union Savings Bank | $43,593,000 | 2.2% | 1 |
| Woodforest National Bank | $4,153,000 | 0.2% | 2 |
Deposit concentration is 3,035 across 9 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 51.1² + 12.1² + 11.3² + … (6 more) = 3,035
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 | $415,398,044 |
| Department of Health and Human Services | $128,078,653 |
| Department of Defense | $40,810,184 |
| Department of Veterans Affairs | $40,482,243 |
| Department of Housing and Urban Development | $8,167,666 |
| Department of Transportation | $7,538,522 |
| Department of Agriculture | $6,030,979 |
| Department of Education | $1,863,979 |
| Federal Communications Commission | $941,672 |
| Railroad Retirement Board | $824,526 |
| Department of the Treasury | $52,212 |
| Department of the Interior | $6,512 |
That is $13,419 per covered job, against 48,351 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $648.8 m / 48,351 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $13,419
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 | -105,572.00 | 2026-08-01 | -13.7% |
| 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 #
Bartholomew County, IN: 11 findings, 2 at a watch level and 9 noted
watchBartholomew County, IN's covered employment is -2.8% 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 = -2.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchBartholomew County, IN's average weekly wage is -1.0% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, 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.avgWeeklyWage = -1 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteBartholomew County, IN's covered employment was 2.8% lower 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
- -2.8 % = 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
noteBartholomew County, IN's average weekly wage was 1.0% lower 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 % = 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
noteBartholomew County, IN's typical asking rent rose 0.6% from $1,383 in July 2026 to $1,390 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.6% = (1390.3159838350057 - 1382.5964933731325) / 1382.5964933731325 × 100
- 1390.3159838350057 = Zillow ZORI, 2026-08
- 1382.5964933731325 = Zillow ZORI, 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.