Clay County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.39, -87.12.
Assembled 2026-10-06. Read the brief.
- 31st pct · 2,101st of 3,063 US counties · median $234,566
- 16th pct · 77th of 92 Indiana counties · median $234,055
- counties in the Terre Haute metro: Rank context is unavailable: the manifest lists 4 counties in the Terre Haute metro; fewer than 5 is too few to rank.
- 44th pct · 1,705th of 3,063 US counties · median +2.9%
- 23rd pct · 71st of 92 Indiana counties · median +4.2%
- counties in the Terre Haute metro: Rank context is unavailable: the manifest lists 4 counties in the Terre Haute metro; fewer than 5 is too few to rank.
- US counties: not published this period
- Indiana counties: not published this period
- counties in the Terre Haute metro: Rank context is unavailable: the manifest lists 4 counties in the Terre Haute metro; fewer than 5 is too few to rank.
- 47th pct · 1,679th of 3,221 US counties · median 8,232
- 32nd pct · 62nd of 92 Indiana counties · median 12,958
- counties in the Terre Haute metro: Rank context is unavailable: the manifest lists 4 counties in the Terre Haute metro; fewer than 5 is too few to rank.
- 14th pct · 2,761st of 3,221 US counties · median $1,039
- 5th pct · 87th of 92 Indiana counties · median $1,045
- counties in the Terre Haute metro: Rank context is unavailable: the manifest lists 4 counties in the Terre Haute metro; fewer than 5 is too few to rank.
- 47th pct · 1,615th of 3,063 US counties · median 4.3
- 49th pct · 47th of 92 Indiana counties · median 4.2
- counties in the Terre Haute metro: Rank context is unavailable: the manifest lists 4 counties in the Terre Haute 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 $187,253 (Aug 2026), +2.5% over one year, +31.8% over five
- 31st pct · 2,101st of 3,063 US counties · median $234,566
- 16th pct · 77th of 92 Indiana counties · median $234,055
- counties in the Terre Haute metro: Rank context is unavailable: the manifest lists 4 counties in the Terre Haute metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Clay County, IN | $187,253 · +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 #
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 Terre Haute metro: Rank context is unavailable: the manifest lists 4 counties in the Terre Haute metro; fewer than 5 is too few to rank.
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 $1,025 a month on $187,253 at 7.28%, against an average weekly wage worth $3,766 a month: 27.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $187,253 × 80% = $149,802, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,025/mo principal and interest
- wage share = payment / (avg weekly wage $869 × 52 / 12 = $3,766) = 27% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $187,253 / ($869 × 52) = 4.1
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 #
7,572 jobs at 533 employers (2026 Q1); -2.7% jobs and -2.6% average weekly wage over the year
- 47th pct · 1,679th of 3,221 US counties · median 8,232
- 32nd pct · 62nd of 92 Indiana counties · median 12,958
- counties in the Terre Haute metro: Rank context is unavailable: the manifest lists 4 counties in the Terre Haute metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Clay County, IN | 7,572 jobs · $869/wk · -2.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,587 | $1,177 | 4.25 | -9.8% |
| Retail trade | 822 | $651 | 1.11 | -2.4% |
| Accommodation and food services | 637 | $329 | 0.94 | -0.2% |
| Other services | 340 | $292 | 1.50 | +6.6% |
| Construction | 323 | $953 | 0.81 | +19.2% |
| Transportation and warehousing | 149 | $982 | 0.47 | -19.0% |
| Finance and insurance | 129 | $1,093 | 0.42 | +2.4% |
| Administrative and waste services | 127 | $966 | 0.30 | -17.0% |
| Wholesale trade | 110 | $964 | 0.38 | +13.4% |
| Arts, entertainment and recreation | 38 | $452 | 0.30 | +65.2% |
| Real estate and rental | 36 | $1,283 | 0.31 | -23.4% |
| Information | 31 | $1,049 | 0.22 | -18.4% |
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 #
2 USGS reservoir gauges, no capacity figures to weight
Sites found: 2, 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.
| Site | Reading | Distance |
|---|---|---|
| USGS-03351700 | 21,970 Acre-ft (USGS, no capacity on file) | 113 km |
| USGS-03350400 | 23,410 Acre-ft (USGS, no capacity on file) | 119 km |
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 #
30 gauges · 0 flooding · 5 with quality panels averaging 98 % · 6 stale
Sites found: 30, 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-03360000 | flow 89.2 ft³/s | 8 km |
| USGS-03359000 | stage 7.61 ft · quality 100 % (1) | 19 km |
| USGS-03357500 | flow 337.0 ft³/s | 20 km |
| USGS-03342100 | flow 33.0 ft³/s · STALE | 26 km |
| USGS-03341500 | flow 9,340 ft³/s | 27 km |
| USGS-03341558 | flow 3.54 ft³/s | 31 km |
| USGS-03358000 | flow 17.4 ft³/s | 31 km |
| USGS-03341300 | flow 108.0 ft³/s | 33 km |
| USGS-03357000 | flow 1,120 ft³/s | 33 km |
| USGS-03342244 | flow 0.80 ft³/s · STALE | 35 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 #
13 wells in 0 named aquifers:
Sites found: 13, 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-393619087043001 | depth 15.0 ft · 2026-10-05 | 24 km |
| USGS-392820087242601 | depth 42.4 ft · 2026-10-05 | 27 km |
| USGS-394510087105001 | depth 12.1 ft · 2025-03-09 | 40 km |
| USGS-392232086333101 | depth 8.89 ft · 2025-04-02 | 48 km |
| USGS-391350087385301 | depth 24.0 ft · 2017-01-05 | 49 km |
| USGS-394025086400801 | depth 11.9 ft · 2013-02-02 | 49 km |
| USGS-390758087363301 | depth 5.95 ft · 2025-04-03 | 51 km |
| USGS-392612086230001 | depth 65.1 ft · 2026-10-05 | 63 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 + 0.2×0.02 / 0.55
Banks & federal dollars #
$515.3 m in deposits at 9 offices of 4 banks (SOD June 2026); HHI 3,312, highly concentrated. $206.1 m federal obligations in FY2026 (direct payments $175.7 m, grants $29.7 m), $27,212 per covered job
| Item | Value | Distance |
|---|---|---|
| The Riddell National Bank | $230.4 m · 44.7% share · 3 offices | |
| First Financial Bank, National Association | $163.5 m · 31.7% share · 3 offices | |
| First Farmers Bank & Trust Co. | $80.0 m · 15.5% share · 2 offices | |
| Clay, IN | $206.1 m FY2026 · $27,212/job | |
| MULTIPLE RECIPIENTS | $168.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Riddell National Bank | $230,399,000 | 44.7% | 3 |
| First Financial Bank, National Association | $163,532,000 | 31.7% | 3 |
| First Farmers Bank & Trust Co. | $79,987,000 | 15.5% | 2 |
| The Hometown Savings Bank | $41,397,000 | 8.0% | 1 |
Deposit concentration is 3,312 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 44.7² + 31.7² + 15.5² + … (1 more) = 3,312
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 | $149,252,384 |
| Department of Transportation | $28,329,950 |
| Department of Veterans Affairs | $17,652,108 |
| Department of Agriculture | $5,617,835 |
| Department of Housing and Urban Development | $1,995,970 |
| Railroad Retirement Board | $1,632,905 |
| Federal Communications Commission | $1,116,422 |
| Department of Justice | $448,988 |
| Department of Defense | $5,824 |
| Small Business Administration | $0 |
| Department of the Interior | $0 |
That is $27,212 per covered job, against 7,572 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $206.1 m / 7,572 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $27,212
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 #
Clay County, IN: 9 findings, 3 at a watch level and 6 noted
watchClay County, IN's covered employment is -2.7% 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 = -2.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchClay County, IN's average weekly wage is -2.6% 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 = -2.6 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchClay County, IN's momentum index is -0.36, a watch level here: momentum index in the cooling band (the cooling band of the momentum index computed here, score at or below -0.25; 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 2026-08.Show the arithmetic
- test: momentum = -0.3583907834916625 <= -0.25
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
the cooling band of the momentum index computed here, score at or below -0.25; convention chosen for this dashboard, not an official level
noteClay County, IN's covered employment was 2.7% 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
- -2.7 % = 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
noteClay County, IN's average weekly wage was 2.6% 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
- -2.6 % = 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
Read all 9 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.