Clark County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.48, -85.71.
Assembled 2026-10-06. Read the brief.
- 61st pct · 1,190th of 3,063 US counties · median $234,566
- 71st pct · 27th of 92 Indiana counties · median $234,055
- 36th pct · 8th of 12 counties in the Louisville/Jefferson County metro · median $276,709
- 38th pct · 1,886th of 3,063 US counties · median +2.9%
- 14th pct · 79th of 92 Indiana counties · median +4.2%
- 54th pct · 6th of 12 counties in the Louisville/Jefferson County metro · median +1.9%
- 29th pct · 992nd of 1,399 US counties · median $1,496
- 58th pct · 16th of 37 Indiana counties · median $1,174
- 33rd pct · 5th of 7 counties in the Louisville/Jefferson County metro · median $1,360
- 86th pct · 451st of 3,221 US counties · median 8,232
- 86th pct · 13th of 92 Indiana counties · median 12,958
- 90th pct · 2nd of 12 counties in the Louisville/Jefferson County metro · median 16,814
- 63rd pct · 1,165th of 3,221 US counties · median $1,039
- 63rd pct · 34th of 92 Indiana counties · median $1,045
- 63rd pct · 5th of 12 counties in the Louisville/Jefferson County metro · median $1,073
- 57th pct · 1,301st of 3,063 US counties · median 4.3
- 65th pct · 32nd of 92 Indiana counties · median 4.2
- 9th pct · 11th of 12 counties in the Louisville/Jefferson County metro · median 4.9
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 $267,634 (Aug 2026), +1.9% over one year, +24.2% over five
- 61st pct · 1,190th of 3,063 US counties · median $234,566
- 71st pct · 27th of 92 Indiana counties · median $234,055
- 36th pct · 8th of 12 counties in the Louisville/Jefferson County metro · median $276,709
| Item | Value | Distance |
|---|---|---|
| Clark County, IN | $267,634 · +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 $1,281/mo (Aug 2026), +0.8% over one year; price-to-rent 17.4
- 29th pct · 992nd of 1,399 US counties · median $1,496
- 58th pct · 16th of 37 Indiana counties · median $1,174
- 33rd pct · 5th of 7 counties in the Louisville/Jefferson County metro · median $1,360
| Item | Value | Distance |
|---|---|---|
| Clark County, IN | $1,281/mo · +0.8% 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 $1,465 a month on $267,634 at 7.28%, against an average weekly wage worth $4,801 a month: 30.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $267,634 × 80% = $214,107, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,465/mo principal and interest
- wage share = payment / (avg weekly wage $1,108 × 52 / 12 = $4,801) = 31% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $267,634 / ($1,108 × 52) = 4.6
- price-to-rent = $267,634 / ($1,281 × 12) = 17.4
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 #
59,239 jobs at 3,338 employers (2026 Q1); +0.2% jobs and +4.6% average weekly wage over the year
- 86th pct · 451st of 3,221 US counties · median 8,232
- 86th pct · 13th of 92 Indiana counties · median 12,958
- 90th pct · 2nd of 12 counties in the Louisville/Jefferson County metro · median 16,814
| Item | Value | Distance |
|---|---|---|
| Clark County, IN | 59,239 jobs · $1,108/wk · +0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Transportation and warehousing | 9,725 | $1,096 | 3.90 | +1.7% |
| Health care and social assistance | 8,043 | $1,200 | 0.90 | +4.2% |
| Retail trade | 7,660 | $777 | 1.33 | -2.3% |
| Manufacturing | 6,949 | $1,332 | 1.46 | -3.7% |
| Accommodation and food services | 6,021 | $445 | 1.13 | +0.6% |
| Construction | 2,947 | $1,289 | 0.95 | +0.5% |
| Wholesale trade | 2,604 | $1,432 | 1.15 | +1.3% |
| Administrative and waste services | 2,562 | $853 | 0.76 | +1.0% |
| Finance and insurance | 2,389 | $2,651 | 0.99 | -3.7% |
| Professional and technical services | 1,583 | $1,285 | 0.39 | +3.3% |
| Other services | 1,354 | $889 | 0.76 | +4.9% |
| Arts, entertainment and recreation | 682 | $391 | 0.70 | +3.8% |
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 #
80 gauges · 0 flooding · 33 with quality panels averaging 97 % · 21 stale
Sites found: 80, 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 |
|---|---|---|
| SILVER CREEK NEAR SELLERSBURG, IN | flow 4.18 ft³/s | 12 km |
| HARRODS CREEK AT HIGHWAY 329 NR GOSHEN, KY. | flow 579.0 ft³/s · quality 100 % (1) · STALE | 17 km |
| WOLF PEN BR AB POND DISCHARGE NR PROSPECT, KY | DO 9.90 mg/l · quality 100 % (4) | 19 km |
| LITTLE GOOSE CREEK NEAR HARRODS CREEK, KY | flow 1.78 ft³/s · quality 100 % (4) | 20 km |
| GOOSE CREEK AT US HWY 42 NEAR GLENVIEW ACRES, KY | DO 10.3 mg/l · quality 100 % (1) · STALE | 21 km |
| SILVER CK AT BROWN'S STATION WAY AT NEW ALBANY, IN | stage 5.92 ft · quality 100 % (1) | 21 km |
| OHIO RIVER AT WATER TOWER AT LOUISVILLE, KY | flow 43,800 ft³/s | 22 km |
| GOOSE CREEK AT HWY 22 AT SPRING VALLEY, KY | flow 1.70 ft³/s · quality 100 % (4) | 22 km |
| MUDDY FK AT MOCKINGBIRD VALLEY RD AT LOUISVILLE,KY | flow 1.45 ft³/s · quality 100 % (4) | 22 km |
| OHIO RIVER AT LOUISVILLE, KY | flow 37,200 ft³/s · no flooding | 23 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 #
62 wells in 0 named aquifers:
Sites found: 62, 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-382305085381701 | depth 38.8 ft · 2026-06-24 | 12 km |
| USGS-382156085382401 | depth 35.5 ft · 2026-10-05 | 14 km |
| USGS-383403085352601 | depth 44.1 ft · 2026-06-24 | 15 km |
| USGS-382102085380701 | depth 13.4 ft · 2011-01-25 | 15 km |
| USGS-382105085375101 | depth 27.2 ft · 2026-05-17 | 16 km |
| USGS-382054085380602 | depth 30.1 ft · 2026-08-09 | 16 km |
| USGS-382051085380801 | depth 34.0 ft · 2026-08-09 | 16 km |
| USGS-382045085381601 | depth 52.4 ft · 2026-08-09 | 16 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 (0.01)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.03 / 0.55
Banks & federal dollars #
$2.8 bn in deposits at 37 offices of 14 banks (SOD June 2026); HHI 1,397, moderately concentrated. $837.1 m federal obligations in FY2026 (direct payments $733.1 m, grants $87.4 m), $14,131 per covered job
| Item | Value | Distance |
|---|---|---|
| First Merchants Bank | $563.0 m · 20.1% share · 6 offices | |
| The New Washington State Bank | $530.0 m · 18.9% share · 8 offices | |
| JPMorgan Chase Bank, National Association | $519.2 m · 18.5% share · 4 offices | |
| Clark, IN | $837.1 m FY2026 · $14,131/job | |
| MULTIPLE RECIPIENTS | $718.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Merchants Bank | $562,979,000 | 20.1% | 6 |
| The New Washington State Bank | $529,958,000 | 18.9% | 8 |
| JPMorgan Chase Bank, National Association | $519,215,000 | 18.5% | 4 |
| PNC Bank, National Association | $323,838,000 | 11.5% | 3 |
| German American Bank | $212,443,000 | 7.6% | 3 |
| Fifth Third Bank, National Association | $177,431,000 | 6.3% | 1 |
| WesBanco Bank, Inc. | $164,086,000 | 5.8% | 3 |
| Stock Yards Bank & Trust Company | $128,574,000 | 4.6% | 2 |
| Republic Bank & Trust Company | $58,014,000 | 2.1% | 1 |
| First Harrison Bank | $56,158,000 | 2.0% | 2 |
Deposit concentration is 1,397 across 14 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 14 banks with deposits in the county = 20.1² + 18.9² + 18.5² + … (11 more) = 1,397
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 | $620,408,356 |
| Department of Veterans Affairs | $91,567,878 |
| Department of Transportation | $72,571,383 |
| Department of Commerce | $15,545,934 |
| Department of Housing and Urban Development | $13,576,970 |
| Department of Health and Human Services | $10,584,999 |
| Railroad Retirement Board | $6,756,739 |
| Department of Education | $2,212,638 |
| Federal Communications Commission | $1,628,472 |
| Department of Agriculture | $1,447,955 |
| Department of Defense | $558,400 |
| Department of Justice | $483,965 |
That is $14,131 per covered job, against 59,239 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $837.1 m / 59,239 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,131
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 | -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 #
Clark County, IN: 6 findings, 6 noted
noteClark County, IN's average weekly wage was 4.6% 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
- +4.6 % = 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
noteClark County, IN's covered employment was 0.2% 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
- +0.2 % = 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
noteClark County, IN's covered employment of 59,239 ranks 2nd of 12 counties in the Louisville/Jefferson County metro, against a median of 16,814.
Period 2026 Q1.Show the arithmetic
- 91 on the 0-to-100 scale across 12 counties in the Louisville/Jefferson County metro that published jobs.emp
position among the entities that published this metric this period; not an official level
noteClark County, IN's years of wages of 4.6 ranks 11th of 12 counties in the Louisville/Jefferson County metro, against a median of 4.9.
Period 2026-08.Show the arithmetic
- 9 on the 0-to-100 scale across 12 counties in the Louisville/Jefferson County metro 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
noteThe next Zillow ZHVI typical home value (monthly) covering Clark County, IN is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Read all 6 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.