Dearborn County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.14, -84.98.
Assembled 2026-10-07. Read the brief.
- 75th pct · 742nd of 3,063 US counties · median $234,566
- 92nd pct · 8th of 92 Indiana counties · median $234,055
- 85th pct · 3rd of 15 counties in the Cincinnati metro · median $287,730
- 76th pct · 721st of 3,063 US counties · median +2.9%
- 71st pct · 27th of 92 Indiana counties · median +4.2%
- 92nd pct · 2nd of 15 counties in the Cincinnati metro · median +3.2%
- US counties: not published this period
- Indiana counties: not published this period
- counties in the Cincinnati metro: not published this period
- 64th pct · 1,148th of 3,221 US counties · median 8,232
- 59th pct · 38th of 92 Indiana counties · median 12,958
- 50th pct · 8th of 15 counties in the Cincinnati metro · median 14,828
- 61st pct · 1,244th of 3,221 US counties · median $1,039
- 60th pct · 37th of 92 Indiana counties · median $1,045
- 35th pct · 10th of 15 counties in the Cincinnati metro · median $1,184
- 76th pct · 724th of 3,063 US counties · median 4.3
- 89th pct · 11th of 92 Indiana counties · median 4.2
- 85th pct · 3rd of 15 counties in the Cincinnati metro · median 5.2
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 $329,645 (Aug 2026), +5.5% over one year, +33.4% over five
- 75th pct · 742nd of 3,063 US counties · median $234,566
- 92nd pct · 8th of 92 Indiana counties · median $234,055
- 85th pct · 3rd of 15 counties in the Cincinnati metro · median $287,730
| Item | Value | Distance |
|---|---|---|
| Dearborn County, IN | $329,645 · +5.5% 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 Cincinnati 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 $1,804 a month on $329,645 at 7.28%, against an average weekly wage worth $4,745 a month: 38.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $329,645 × 80% = $263,716, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,804/mo principal and interest
- wage share = payment / (avg weekly wage $1,095 × 52 / 12 = $4,745) = 38% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $329,645 / ($1,095 × 52) = 5.8
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 #
14,828 jobs at 1,260 employers (2026 Q1); +1.3% jobs and +7.5% average weekly wage over the year
- 64th pct · 1,148th of 3,221 US counties · median 8,232
- 59th pct · 38th of 92 Indiana counties · median 12,958
- 50th pct · 8th of 15 counties in the Cincinnati metro · median 14,828
| Item | Value | Distance |
|---|---|---|
| Dearborn County, IN | 14,828 jobs · $1,095/wk · +1.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 2,501 | $1,049 | 1.12 | +4.4% |
| Accommodation and food services | 2,420 | $530 | 1.82 | -1.9% |
| Manufacturing | 2,133 | $1,480 | 1.79 | +4.8% |
| Retail trade | 1,873 | $705 | 1.30 | +4.1% |
| Construction | 1,049 | $2,534 | 1.35 | +0.0% |
| Professional and technical services | 481 | $1,443 | 0.47 | +11.9% |
| Other services | 412 | $767 | 0.93 | +0.0% |
| Administrative and waste services | 373 | $1,000 | 0.44 | -3.1% |
| Wholesale trade | 320 | $1,472 | 0.56 | -3.0% |
| Finance and insurance | 286 | $1,761 | 0.47 | +3.2% |
| Transportation and warehousing | 249 | $1,136 | 0.40 | +15.3% |
| Arts, entertainment and recreation | 217 | $510 | 0.89 | -57.1% |
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 |
|---|---|---|
| GEIST RESERVOIR AT INDIANAPOLIS, IN | 21,970 Acre-ft (USGS, no capacity on file) | 121 km |
| MORSE RESERVOIR AT NOBLESVILLE, IN | 23,410 Acre-ft (USGS, no capacity on file) | 138 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 #
78 gauges · 0 flooding · 10 with quality panels averaging 92 % · 25 stale
Sites found: 78, 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 |
|---|---|---|
| W Fk Mill Creek at Hille Park at Cincinnati OH | flow 0.71 ft³/s · quality 70 % (5) · STALE | 37 km |
| TANNERS CREEK AT LAWRENCEBURG, IN | stage 32.0 ft | 11 km |
| SOUTH HOGAN CREEK NEAR DILLSBORO, IND. | flow 4.90 ft³/s · STALE | 13 km |
| WOOLPER CREEK AT WOOLPER ROAD NEAR BURLINGTON, KY | flow 0.37 ft³/s | 19 km |
| SAND RUN AT THORNWILDE DR AT FRANCISVILLE, KY | flow 0.02 ft³/s | 22 km |
| Great Miami River at Miamitown OH | stage 1.99 ft | 25 km |
| ELIJAHS CREEK @ ELIJAHS CREEK RD NR HEBRON, KY | flow 0.94 ft³/s | 26 km |
| GUNPOWDER CR AT CAMP ERNST RD NR UNION, KY | flow 1.44 ft³/s | 28 km |
| WHITEWATER RIVER AT BROOKVILLE, IN | flow 639.0 ft³/s | 30 km |
| DRY CREEK AT SEWAGE PLANT NEAR ERLANGER, KY | flow 1.14 ft³/s | 32 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 #
49 wells in 1 named aquifer: Sand and gravel aquifers (glaciated regions)
Sites found: 49, 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-390653084485700 | depth 52.8 ft · 1982-08-25 | 14 km |
| Sand and gravel aquifers (glaciated regions) | depth 22.6 ft · 2026-10-06 | 18 km |
| USGS-391518084485201 | depth 19.8 ft · 2006-09-29 | 19 km |
| USGS-392527085005201 | depth 21.2 ft · 2025-03-20 | 32 km |
| Sand and gravel aquifers (glaciated regions) | depth 17.9 ft · 2026-07-26 | 32 km |
| Sand and gravel aquifers (glaciated regions) | depth 21.8 ft · 2026-07-26 | 33 km |
| USGS-391905084381000 | depth 31.7 ft · 2026-10-06 | 35 km |
| Sand and gravel aquifers (glaciated regions) | depth 25.1 ft · 2026-07-26 | 36 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 (0.03)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.08 / 0.55
Banks & federal dollars #
$1.3 bn in deposits at 15 offices of 7 banks (SOD June 2026); HHI 2,557, highly concentrated. $12.5 m federal obligations in FY2026 (grants $12.3 m, loans $268,536), $845 per covered job
| Item | Value | Distance |
|---|---|---|
| Civista Bank | $559.2 m · 42.5% share · 5 offices | |
| First Financial Bank | $232.1 m · 17.7% share · 2 offices | |
| U.S. Bank National Association | $201.9 m · 15.4% share · 2 offices | |
| Dearborn, IN | $12.5 m FY2026 · $845/job | |
| MULTIPLE RECIPIENTS | $324.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Civista Bank | $559,209,000 | 42.5% | 5 |
| First Financial Bank | $232,126,000 | 17.7% | 2 |
| U.S. Bank National Association | $201,932,000 | 15.4% | 2 |
| FCN Bank, National Association | $123,999,000 | 9.4% | 1 |
| The Friendship State Bank | $109,550,000 | 8.3% | 3 |
| Fifth Third Bank, National Association | $86,348,000 | 6.6% | 1 |
| Woodforest National Bank | $1,806,000 | 0.1% | 1 |
Deposit concentration is 2,557 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 42.5² + 17.7² + 15.4² + … (4 more) = 2,557
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 | $292,496,262 |
| Department of Veterans Affairs | $29,336,726 |
| Department of Transportation | $11,000,434 |
| Railroad Retirement Board | $2,333,100 |
| Department of Agriculture | $2,329,690 |
| Department of Housing and Urban Development | $2,279,402 |
| Federal Communications Commission | $1,071,864 |
| Department of Education | $365,319 |
| Small Business Administration | $0 |
| Environmental Protection Agency | $0 |
That is $845 per covered job, against 14,828 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $12.5 m / 14,828 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $845
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 | 3.00 | 2026-10-06 | -50.0% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| 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 #
Dearborn County, IN: 9 findings, 9 noted
noteDearborn County, IN's average weekly wage was 7.5% 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
- +7.5 % = 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
noteDearborn County, IN's covered employment was 1.3% 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
- +1.3 % = 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
noteDearborn County, IN's momentum index of 0.64 ranks 1st of 15 counties in the Cincinnati metro, against a median of 0.29.
Period 2026-08.Show the arithmetic
- 100 on the 0-to-100 scale across 15 counties in the Cincinnati metro that published momentum
- 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%)
position among the entities that published this metric this period; not an official level
noteDearborn County, IN's momentum index of 0.64 ranks 6th of 92 Indiana counties, against a median of 0.27.
Period 2026-08.Show the arithmetic
- 95 on the 0-to-100 scale across 92 Indiana counties that published momentum
- 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%)
position among the entities that published this metric this period; not an official level
noteDearborn County, IN's typical home value of +5.5% ranks 2nd of 15 counties in the Cincinnati metro, against a median of +3.2%.
Period 2026-08.Show the arithmetic
- 93 on the 0-to-100 scale across 15 counties in the Cincinnati metro that published home.yoyPct
position among the entities that published this metric this period; not an official level
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.