DeKalb County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.40, -85.00.
Assembled 2026-10-06. Read the brief.
- 58th pct · 1,270th of 3,063 US counties · median $234,566
- 64th pct · 33rd of 92 Indiana counties · median $234,055
- 84th pct · 470th of 3,063 US counties · median +2.9%
- 86th pct · 13th of 92 Indiana counties · median +4.2%
- 5th pct · 1,317th of 1,399 US counties · median $1,496
- 8th pct · 34th of 37 Indiana counties · median $1,174
- 71st pct · 923rd of 3,221 US counties · median 8,232
- 69th pct · 29th of 92 Indiana counties · median 12,958
- 87th pct · 399th of 3,221 US counties · median $1,039
- 91st pct · 9th of 92 Indiana counties · median $1,045
- 35th pct · 1,962nd of 3,063 US counties · median 4.3
- 27th pct · 67th 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 $258,290 (Aug 2026), +6.7% over one year, +37.7% over five
- 58th pct · 1,270th of 3,063 US counties · median $234,566
- 64th pct · 33rd of 92 Indiana counties · median $234,055
| Item | Value | Distance |
|---|---|---|
| DeKalb County, IN | $258,290 · +6.7% 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 $953/mo (Aug 2026), n/a over one year; price-to-rent 22.6
- 5th pct · 1,317th of 1,399 US counties · median $1,496
- 8th pct · 34th of 37 Indiana counties · median $1,174
| Item | Value | Distance |
|---|---|---|
| DeKalb County, IN | $953/mo · n/a 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 $1,414 a month on $258,290 at 7.28%, against an average weekly wage worth $5,854 a month: 24.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $258,290 × 80% = $206,632, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,414/mo principal and interest
- wage share = payment / (avg weekly wage $1,351 × 52 / 12 = $5,854) = 24% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $258,290 / ($1,351 × 52) = 3.7
- price-to-rent = $258,290 / ($953 × 12) = 22.6
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 #
20,020 jobs at 1,131 employers (2026 Q1); -7.0% jobs and +1.1% average weekly wage over the year
- 71st pct · 923rd of 3,221 US counties · median 8,232
- 69th pct · 29th of 92 Indiana counties · median 12,958
| Item | Value | Distance |
|---|---|---|
| DeKalb County, IN | 20,020 jobs · $1,351/wk · -7.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 7,570 | $1,990 | 4.70 | -14.0% |
| Retail trade | 1,574 | $689 | 0.81 | -0.1% |
| Accommodation and food services | 1,566 | $378 | 0.87 | +1.8% |
| Health care and social assistance | 1,524 | $951 | 0.51 | +2.1% |
| Transportation and warehousing | 1,523 | $1,075 | 1.80 | -1.6% |
| Construction | 723 | $1,228 | 0.69 | -1.9% |
| Professional and technical services | 647 | $1,628 | 0.47 | -3.3% |
| Administrative and waste services | 502 | $839 | 0.44 | -1.2% |
| Other services | 411 | $659 | 0.69 | -12.2% |
| Finance and insurance | 371 | $1,655 | 0.45 | -7.7% |
| Arts, entertainment and recreation | 190 | $435 | 0.58 | +5.6% |
| Real estate and rental | 116 | $899 | 0.38 | -32.6% |
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 #
$1.1 bn in deposits at 16 offices of 12 banks (SOD June 2026); HHI 1,381, moderately concentrated. $283.5 m federal obligations in FY2026 (direct payments $272.9 m, grants $10.5 m), $14,160 per covered job
| Item | Value | Distance |
|---|---|---|
| Lake City Bank | $236.6 m · 21.9% share · 1 office | |
| The Garrett State Bank | $221.3 m · 20.5% share · 3 offices | |
| Community State Bank | $152.3 m · 14.1% share · 1 office | |
| DeKalb, IN | $283.5 m FY2026 · $14,160/job | |
| MULTIPLE RECIPIENTS | $265.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Lake City Bank | $236,647,000 | 21.9% | 1 |
| The Garrett State Bank | $221,329,000 | 20.5% | 3 |
| Community State Bank | $152,331,000 | 14.1% | 1 |
| The Farmers & Merchants State Bank | $92,708,000 | 8.6% | 2 |
| Horizon Bank | $91,302,000 | 8.4% | 2 |
| Flagstar Bank, National Association | $70,691,000 | 6.5% | 1 |
| PNC Bank, National Association | $63,159,000 | 5.8% | 1 |
| Farmers and Merchants Bank | $61,377,000 | 5.7% | 1 |
| The Hicksville Bank | $47,975,000 | 4.4% | 1 |
| The Campbell & Fetter Bank | $30,155,000 | 2.8% | 1 |
Deposit concentration is 1,381 across 12 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 12 banks with deposits in the county = 21.9² + 20.5² + 14.1² + … (9 more) = 1,381
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 | $236,568,060 |
| Department of Veterans Affairs | $23,505,603 |
| Department of Transportation | $10,181,385 |
| Department of Agriculture | $6,948,389 |
| Railroad Retirement Board | $4,536,226 |
| Federal Communications Commission | $742,463 |
| Department of Housing and Urban Development | $567,170 |
| Department of Health and Human Services | $389,773 |
| Department of Education | $36,176 |
| Department of Defense | $17,745 |
| Small Business Administration | $0 |
| Environmental Protection Agency | $0 |
That is $14,160 per covered job, against 20,020 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $283.5 m / 20,020 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,160
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 #
DeKalb County, IN: 14 findings, 1 at an alert level, 1 at a watch level and 12 noted
alertDeKalb County, IN's covered employment is -7.0% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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.emp = -7 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchDeKalb County, IN's covered employment is -7.0% 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 = -7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteDeKalb County, IN's covered employment was 7.0% 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
- -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
noteDeKalb County, IN's average weekly wage was 1.1% 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
- +1.1 % = 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
noteDeKalb County, IN's typical home value rose 0.4% from $257,158 in July 2026 to $258,290 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.4% = (258290.01790745324 - 257158.17974712848) / 257158.17974712848 × 100
- 258290.01790745324 = Zillow ZHVI, 2026-08
- 257158.17974712848 = Zillow ZHVI, 2026-07
Read all 12 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.