Decatur County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.31, -85.50.
Assembled 2026-10-06. Read the brief.
- 59th pct · 1,240th of 3,063 US counties · median $234,566
- 67th pct · 31st of 92 Indiana counties · median $234,055
- 75th pct · 746th of 3,063 US counties · median +2.9%
- 68th pct · 30th of 92 Indiana counties · median +4.2%
- US counties: not published this period
- Indiana counties: not published this period
- 62nd pct · 1,220th of 3,221 US counties · median 8,232
- 51st pct · 45th of 92 Indiana counties · median 12,958
- 71st pct · 900th of 3,221 US counties · median $1,039
- 72nd pct · 26th of 92 Indiana counties · median $1,045
- 50th pct · 1,508th of 3,063 US counties · median 4.3
- 54th pct · 42nd 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 $261,929 (Aug 2026), +5.4% over one year, +30.4% over five
- 59th pct · 1,240th of 3,063 US counties · median $234,566
- 67th pct · 31st of 92 Indiana counties · median $234,055
| Item | Value | Distance |
|---|---|---|
| Decatur County, IN | $261,929 · +5.4% 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 $1,434 a month on $261,929 at 7.28%, against an average weekly wage worth $5,048 a month: 28.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $261,929 × 80% = $209,544, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,434/mo principal and interest
- wage share = payment / (avg weekly wage $1,165 × 52 / 12 = $5,048) = 28% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $261,929 / ($1,165 × 52) = 4.3
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 #
13,445 jobs at 730 employers (2026 Q1); -1.5% jobs and +5.8% average weekly wage over the year
- 62nd pct · 1,220th of 3,221 US counties · median 8,232
- 51st pct · 45th of 92 Indiana counties · median 12,958
| Item | Value | Distance |
|---|---|---|
| Decatur County, IN | 13,445 jobs · $1,165/wk · -1.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 4,320 | $1,550 | 3.99 | -1.9% |
| Retail trade | 1,268 | $629 | 0.97 | -4.7% |
| Administrative and waste services | 972 | $972 | 1.27 | -5.8% |
| Transportation and warehousing | 891 | $1,144 | 1.57 | -1.2% |
| Health care and social assistance | 875 | $845 | 0.43 | +0.1% |
| Accommodation and food services | 836 | $415 | 0.69 | -5.0% |
| Wholesale trade | 450 | $1,342 | 0.87 | +0.9% |
| Other services | 345 | $753 | 0.86 | +0.3% |
| Construction | 318 | $1,057 | 0.45 | +6.7% |
| Finance and insurance | 215 | $2,377 | 0.39 | +7.5% |
| Real estate and rental | 61 | $1,367 | 0.30 | +1.7% |
| Utilities | 55 | $2,250 | 1.04 | -1.8% |
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 #
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) | 78 km |
| MORSE RESERVOIR AT NOBLESVILLE, IN | 23,400 Acre-ft (USGS, no capacity on file) | 97 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 #
65 gauges · 0 flooding · 3 with quality panels averaging 97 % · 17 stale
Sites found: 65, 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 |
|---|---|---|
| FLATROCK RIVER AT ST. PAUL, IN | flow 58.8 ft³/s · no flooding | 17 km |
| CLIFTY CREEK AT HARTSVILLE, IN | flow 5.05 ft³/s · no flooding | 18 km |
| HAW CREEK AT HOPE, IN | flow 0.41 ft³/s · no flooding | 24 km |
| BRUSH CREEK NEAR NEBRASKA, IN | flow 0.18 ft³/s · no flooding | 26 km |
| VERNON FORK MUSCATATUCK RIVER NR BUTLERVILLE, IN | flow 70.0 ft³/s · STALE | 29 km |
| HAW CREEK NEAR CLIFFORD, IN | flow 71.4 ft³/s · no flooding | 31 km |
| LITTLE BLUE RIVER AT SHELBYVILLE, IN | flow 23.8 ft³/s · no flooding | 33 km |
| FLATROCK RIVER NR RUSHVILLE, IN | stage 4.65 ft · no flooding | 33 km |
| BIG BLUE RIVER AT SHELBYVILLE, IN | flow 128.0 ft³/s · no flooding | 34 km |
| CLIFTY CREEK NEAR COLUMBUS, IN | flow 28.8 ft³/s · no flooding | 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 #
26 wells in 1 named aquifer: Sand and gravel aquifers (glaciated regions)
Sites found: 26, 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-392022085371801 | depth 7.13 ft · 2026-10-05 | 11 km |
| USGS-391627085534401 | depth 17.3 ft · 2026-10-05 | 34 km |
| USGS-390950085553501 | depth 22.3 ft · 2025-12-29 | 40 km |
| USGS-391035085560401 | depth 24.9 ft · 2025-01-28 | 40 km |
| USGS-385601085365701 | depth 38.5 ft · 2025-06-16 | 43 km |
| USGS-393223085534001 | depth 4.05 ft · 2007-04-01 | 43 km |
| USGS-392527085005201 | depth 21.2 ft · 2025-03-20 | 44 km |
| USGS-393943085490901 | depth 20.8 ft · 2026-10-05 | 48 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 #
$766.3 m in deposits at 11 offices of 6 banks (SOD June 2026); HHI 2,108, highly concentrated. $181.6 m federal obligations in FY2026 (direct payments $164.2 m, grants $17.6 m), $13,510 per covered job
| Item | Value | Distance |
|---|---|---|
| First Financial Bank | $218.3 m · 28.5% share · 3 offices | |
| The Napoleon State Bank | $190.2 m · 24.8% share · 3 offices | |
| Fifth Third Bank, National Association | $155.5 m · 20.3% share · 1 office | |
| Decatur, IN | $181.6 m FY2026 · $13,510/job | |
| MULTIPLE RECIPIENTS | $156.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Financial Bank | $218,279,000 | 28.5% | 3 |
| The Napoleon State Bank | $190,169,000 | 24.8% | 3 |
| Fifth Third Bank, National Association | $155,512,000 | 20.3% | 1 |
| First Federal Savings and Loan Association of Greensburg | $96,706,000 | 12.6% | 2 |
| Jackson County Bank | $73,594,000 | 9.6% | 1 |
| German American Bank | $32,025,000 | 4.2% | 1 |
Deposit concentration is 2,108 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 28.5² + 24.8² + 20.3² + … (3 more) = 2,108
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 | $145,620,715 |
| Department of Transportation | $17,078,175 |
| Department of Veterans Affairs | $9,883,413 |
| Department of Agriculture | $6,165,137 |
| Federal Communications Commission | $1,031,515 |
| Department of Housing and Urban Development | $882,038 |
| Department of Health and Human Services | $542,000 |
| Railroad Retirement Board | $433,895 |
| Small Business Administration | $0 |
That is $13,510 per covered job, against 13,445 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $181.6 m / 13,445 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $13,510
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 #
Decatur County, IN: 5 findings, 1 at a watch level and 4 noted
watchDecatur County, IN's covered employment is -1.5% 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 = -1.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteDecatur County, IN's average weekly wage was 5.8% 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
- +5.8 % = 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
noteDecatur County, IN's covered employment was 1.5% 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
- -1.5 % = 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
noteDecatur County, IN's typical home value rose 0.3% from $261,089 in July 2026 to $261,929 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (261929.487106331 - 261088.51845401272) / 261088.51845401272 × 100
- 261929.487106331 = Zillow ZHVI, 2026-08
- 261088.51845401272 = Zillow ZHVI, 2026-07
noteThe next Zillow ZHVI typical home value (monthly) covering Decatur 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
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.