Brown County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.20, -86.23.
Assembled 2026-10-06. Read the brief.
- 81st pct · 577th of 3,063 US counties · median $234,566
- 97th pct · 3rd of 92 Indiana counties · median $234,055
- 80th pct · 3rd of 11 counties in the Indianapolis-Carmel-Greenwood metro · median $314,850
- 48th pct · 1,573rd of 3,063 US counties · median +2.9%
- 27th pct · 67th of 92 Indiana counties · median +4.2%
- 60th pct · 5th of 11 counties in the Indianapolis-Carmel-Greenwood metro · median +2.1%
- US counties: not published this period
- Indiana counties: not published this period
- counties in the Indianapolis-Carmel-Greenwood metro: not published this period
- 24th pct · 2,431st of 3,221 US counties · median 8,232
- 7th pct · 85th of 92 Indiana counties · median 12,958
- 0th pct · 11th of 11 counties in the Indianapolis-Carmel-Greenwood metro · median 39,851
- 5th pct · 3,028th of 3,221 US counties · median $1,039
- 1st pct · 91st of 92 Indiana counties · median $1,045
- 0th pct · 11th of 11 counties in the Indianapolis-Carmel-Greenwood metro · median $1,134
- 95th pct · 151st of 3,063 US counties · median 4.3
- 100th pct · 1st of 92 Indiana counties · median 4.2
- 100th pct · 1st of 11 counties in the Indianapolis-Carmel-Greenwood metro · median 5.5
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 $362,218 (Aug 2026), +2.8% over one year, +29.5% over five
- 81st pct · 577th of 3,063 US counties · median $234,566
- 97th pct · 3rd of 92 Indiana counties · median $234,055
- 80th pct · 3rd of 11 counties in the Indianapolis-Carmel-Greenwood metro · median $314,850
| Item | Value | Distance |
|---|---|---|
| Brown County, IN | $362,218 · +2.8% 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
- Indiana counties: not published this period
- counties in the Indianapolis-Carmel-Greenwood 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 $1,983 a month on $362,218 at 7.28%, against an average weekly wage worth $3,445 a month: 57.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $362,218 × 80% = $289,774, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,983/mo principal and interest
- wage share = payment / (avg weekly wage $795 × 52 / 12 = $3,445) = 58% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $362,218 / ($795 × 52) = 8.8
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 #
3,011 jobs at 372 employers (2026 Q1); -6.7% jobs and +7.4% average weekly wage over the year
- 24th pct · 2,431st of 3,221 US counties · median 8,232
- 7th pct · 85th of 92 Indiana counties · median 12,958
- 0th pct · 11th of 11 counties in the Indianapolis-Carmel-Greenwood metro · median 39,851
| Item | Value | Distance |
|---|---|---|
| Brown County, IN | 3,011 jobs · $795/wk · -6.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 594 | $458 | 2.20 | -12.3% |
| Retail trade | 375 | $484 | 1.28 | +0.8% |
| Professional and technical services | 287 | $1,556 | 1.38 | -12.2% |
| Construction | 209 | $977 | 1.32 | +26.7% |
| Administrative and waste services | 174 | $614 | 1.02 | -28.4% |
| Arts, entertainment and recreation | 104 | $356 | 2.10 | +3.0% |
| Other services | 102 | $668 | 1.13 | +20.0% |
| Finance and insurance | 40 | $2,868 | 0.33 | +0.0% |
| Wholesale trade | 21 | $1,196 | 0.18 | -12.5% |
| Agriculture, forestry, fishing | withheld | |||
| Utilities | withheld | |||
| Manufacturing | 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 #
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 #
$172.6 m in deposits at 3 offices of 3 banks (SOD June 2026); HHI 3,356, highly concentrated. $126.4 m federal obligations in FY2026 (direct payments $124.1 m, grants $2.4 m), $41,981 per covered job
| Item | Value | Distance |
|---|---|---|
| Fifth Third Bank, National Association | $61.7 m · 35.7% share · 1 office | |
| The Peoples State Bank | $60.0 m · 34.8% share · 1 office | |
| PNC Bank, National Association | $50.9 m · 29.5% share · 1 office | |
| Brown, IN | $126.4 m FY2026 · $41,981/job | |
| MULTIPLE RECIPIENTS | $123.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Fifth Third Bank, National Association | $61,671,000 | 35.7% | 1 |
| The Peoples State Bank | $60,009,000 | 34.8% | 1 |
| PNC Bank, National Association | $50,871,000 | 29.5% | 1 |
Deposit concentration is 3,356 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 35.7² + 34.8² + 29.5² = 3,356
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 | $115,963,881 |
| Department of Veterans Affairs | $6,770,416 |
| Department of Transportation | $1,060,038 |
| Department of Agriculture | $754,236 |
| Department of Defense | $636,615 |
| General Services Administration | $523,804 |
| Federal Communications Commission | $357,359 |
| Railroad Retirement Board | $301,859 |
| Department of Homeland Security | $35,381 |
That is $41,981 per covered job, against 3,011 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $126.4 m / 3,011 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $41,981
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 #
Brown County, IN: 15 findings, 1 at an alert level, 2 at a watch level and 12 noted
alertBrown County, IN's covered employment is -6.7% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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.emp = -6.7 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchBrown County, IN's covered employment is -6.7% 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 = -6.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchBrown County, IN's years of wages of 8.8 ranks 151st of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; 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: yearsOfWages percentile = 95.10124101894188 >= 90
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level
noteBrown County, IN's average weekly wage was 7.4% 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
- +7.4 % = 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
noteBrown County, IN's covered employment was 6.7% 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
- -6.7 % = 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
Read all 12 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.