Daviess County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.70, -87.08.
Assembled 2026-10-06. Read the brief.
- 52nd pct · 1,450th of 3,063 US counties · median $234,566
- 54th pct · 42nd of 92 Indiana counties · median $234,055
- 92nd pct · 232nd of 3,063 US counties · median +2.9%
- 95th pct · 5th of 92 Indiana counties · median +4.2%
- US counties: not published this period
- Indiana counties: not published this period
- 61st pct · 1,244th of 3,221 US counties · median 8,232
- 50th pct · 46th of 92 Indiana counties · median 12,958
- 38th pct · 1,970th of 3,221 US counties · median $1,039
- 28th pct · 66th of 92 Indiana counties · median $1,045
- 59th pct · 1,255th of 3,063 US counties · median 4.3
- 70th pct · 28th of 92 Indiana counties · median 4.2
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 $242,625 (Aug 2026), +8.6% over one year, +32.7% over five
- 52nd pct · 1,450th of 3,063 US counties · median $234,566
- 54th pct · 42nd of 92 Indiana counties · median $234,055
| Item | Value | Distance |
|---|---|---|
| Daviess County, IN | $242,625 · +8.6% 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
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 $1,328 a month on $242,625 at 7.28%, against an average weekly wage worth $4,286 a month: 31.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $242,625 × 80% = $194,100, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,328/mo principal and interest
- wage share = payment / (avg weekly wage $989 × 52 / 12 = $4,286) = 31% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $242,625 / ($989 × 52) = 4.7
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 #
12,984 jobs at 1,013 employers (2026 Q1); -2.0% jobs and +1.0% average weekly wage over the year
- 61st pct · 1,244th of 3,221 US counties · median 8,232
- 50th pct · 46th of 92 Indiana counties · median 12,958
| Item | Value | Distance |
|---|---|---|
| Daviess County, IN | 12,984 jobs · $989/wk · -2.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,528 | $989 | 2.42 | -10.0% |
| Construction | 1,763 | $1,084 | 2.59 | +2.9% |
| Retail trade | 1,571 | $691 | 1.24 | +2.2% |
| Accommodation and food services | 866 | $352 | 0.74 | +7.3% |
| Transportation and warehousing | 769 | $1,090 | 1.41 | -10.8% |
| Professional and technical services | 701 | $1,613 | 0.78 | -1.4% |
| Wholesale trade | 483 | $1,444 | 0.97 | -4.9% |
| Finance and insurance | 462 | $1,958 | 0.87 | +2.9% |
| Other services | 320 | $829 | 0.82 | +2.2% |
| Agriculture, forestry, fishing | 196 | $879 | 2.09 | +4.8% |
| Information | 63 | $1,440 | 0.26 | -13.7% |
| Real estate and rental | 51 | $704 | 0.26 | +0.0% |
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 #
$1.0 bn in deposits at 11 offices of 8 banks (SOD June 2026); HHI 2,395, highly concentrated. $170.2 m federal obligations in FY2026 (direct payments $148.9 m, contracts $11.4 m), $13,106 per covered job
| Item | Value | Distance |
|---|---|---|
| German American Bank | $387.8 m · 37.3% share · 3 offices | |
| First Merchants Bank | $246.8 m · 23.7% share · 2 offices | |
| Old National Bank | $163.2 m · 15.7% share · 1 office | |
| Daviess, IN | $170.2 m FY2026 · $13,106/job | |
| MULTIPLE RECIPIENTS | $138.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| German American Bank | $387,821,000 | 37.3% | 3 |
| First Merchants Bank | $246,792,000 | 23.7% | 2 |
| Old National Bank | $163,177,000 | 15.7% | 1 |
| First Financial Bank, National Association | $122,613,000 | 11.8% | 1 |
| First Federal Savings Bank of Washington | $73,577,000 | 7.1% | 1 |
| First Federal Savings Bank | $28,557,000 | 2.7% | 1 |
| Springs Valley Bank & Trust Company | $16,522,000 | 1.6% | 1 |
| Woodforest National Bank | $1,772,000 | 0.2% | 1 |
Deposit concentration is 2,395 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 37.3² + 23.7² + 15.7² + … (5 more) = 2,395
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 | $123,291,541 |
| Department of Veterans Affairs | $13,168,410 |
| Department of Defense | $11,419,703 |
| Department of Agriculture | $7,955,669 |
| Department of Transportation | $5,514,573 |
| Department of Health and Human Services | $3,286,972 |
| Department of Housing and Urban Development | $2,698,024 |
| Railroad Retirement Board | $2,366,919 |
| Federal Communications Commission | $441,242 |
| Small Business Administration | $21,581 |
| Equal Employment Opportunity Commission | -$1,603 |
That is $13,106 per covered job, against 12,984 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $170.2 m / 12,984 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $13,106
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 | 2026-10-05 | +0.1% |
| 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 #
Daviess County, IN: 7 findings, 1 at a watch level and 6 noted
watchDaviess County, IN's covered employment is -2.0% 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 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteDaviess County, IN's covered employment was 2.0% 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
- -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
noteDaviess County, IN's average weekly wage was 1.0% 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
- +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
noteDaviess County, IN's typical home value rose 0.6% from $241,118 in July 2026 to $242,625 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.6% = (242625.1795179873 - 241118.26017673349) / 241118.26017673349 × 100
- 242625.1795179873 = Zillow ZHVI, 2026-08
- 241118.26017673349 = Zillow ZHVI, 2026-07
noteDaviess County, IN's typical home value of +8.6% ranks 5th of 92 Indiana counties, against a median of +4.2%.
Period 2026-08.Show the arithmetic
- 96 on the 0-to-100 scale across 92 Indiana counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
Read all 7 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.