Delaware County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.23, -85.40.
Assembled 2026-10-06. Read the brief.
- 24th pct · 2,300th of 3,063 US counties · median $234,566
- 12th pct · 81st of 92 Indiana counties · median $234,055
- counties in the Muncie metro: Rank context is unavailable: the manifest lists 1 counties in the Muncie metro; fewer than 5 is too few to rank.
- 67th pct · 991st of 3,063 US counties · median +2.9%
- 54th pct · 42nd of 92 Indiana counties · median +4.2%
- counties in the Muncie metro: Rank context is unavailable: the manifest lists 1 counties in the Muncie metro; fewer than 5 is too few to rank.
- 8th pct · 1,279th of 1,399 US counties · median $1,496
- 16th pct · 31st of 37 Indiana counties · median $1,174
- counties in the Muncie metro: Rank context is unavailable: the manifest lists 1 counties in the Muncie metro; fewer than 5 is too few to rank.
- 82nd pct · 568th of 3,221 US counties · median 8,232
- 82nd pct · 17th of 92 Indiana counties · median 12,958
- counties in the Muncie metro: Rank context is unavailable: the manifest lists 1 counties in the Muncie metro; fewer than 5 is too few to rank.
- 60th pct · 1,285th of 3,221 US counties · median $1,039
- 59th pct · 38th of 92 Indiana counties · median $1,045
- counties in the Muncie metro: Rank context is unavailable: the manifest lists 1 counties in the Muncie metro; fewer than 5 is too few to rank.
- 21st pct · 2,411th of 3,063 US counties · median 4.3
- 14th pct · 79th of 92 Indiana counties · median 4.2
- counties in the Muncie metro: Rank context is unavailable: the manifest lists 1 counties in the Muncie 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 $173,010 (Aug 2026), +4.5% over one year, +39.3% over five
- 24th pct · 2,300th of 3,063 US counties · median $234,566
- 12th pct · 81st of 92 Indiana counties · median $234,055
- counties in the Muncie metro: Rank context is unavailable: the manifest lists 1 counties in the Muncie metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Delaware County, IN | $173,010 · +4.5% 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 #
Typical rent $1,004/mo (Aug 2026), +6.1% over one year; price-to-rent 14.4
- 8th pct · 1,279th of 1,399 US counties · median $1,496
- 16th pct · 31st of 37 Indiana counties · median $1,174
- counties in the Muncie metro: Rank context is unavailable: the manifest lists 1 counties in the Muncie metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Delaware County, IN | $1,004/mo · +6.1% 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 $947 a month on $173,010 at 7.28%, against an average weekly wage worth $4,715 a month: 20.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $173,010 × 80% = $138,408, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $947/mo principal and interest
- wage share = payment / (avg weekly wage $1,088 × 52 / 12 = $4,715) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $173,010 / ($1,088 × 52) = 3.1
- price-to-rent = $173,010 / ($1,004 × 12) = 14.4
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 #
43,947 jobs at 2,399 employers (2026 Q1); -0.7% jobs and +8.2% average weekly wage over the year
- 82nd pct · 568th of 3,221 US counties · median 8,232
- 82nd pct · 17th of 92 Indiana counties · median 12,958
- counties in the Muncie metro: Rank context is unavailable: the manifest lists 1 counties in the Muncie metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Delaware County, IN | 43,947 jobs · $1,088/wk · -0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 9,673 | $1,442 | 1.46 | +1.2% |
| Retail trade | 5,584 | $706 | 1.30 | -2.6% |
| Accommodation and food services | 4,736 | $393 | 1.20 | -1.2% |
| Manufacturing | 4,152 | $1,176 | 1.17 | +3.5% |
| Administrative and waste services | 2,209 | $976 | 0.88 | +2.4% |
| Construction | 1,513 | $1,190 | 0.66 | +3.8% |
| Finance and insurance | 1,460 | $1,370 | 0.82 | -12.4% |
| Professional and technical services | 1,440 | $1,426 | 0.48 | -2.7% |
| Other services | 1,309 | $758 | 1.00 | -0.2% |
| Wholesale trade | 1,056 | $1,646 | 0.63 | -7.3% |
| Real estate and rental | 517 | $931 | 0.77 | -2.1% |
| Arts, entertainment and recreation | 370 | $413 | 0.51 | +3.1% |
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 #
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 #
$3.6 bn in deposits at 21 offices of 6 banks (SOD June 2026); HHI 4,404, highly concentrated. $713.2 m federal obligations in FY2026 (direct payments $690.0 m, grants $22.9 m), $16,229 per covered job
| Item | Value | Distance |
|---|---|---|
| First Merchants Bank | $2.3 bn · 63.6% share · 7 offices | |
| Northwest Bank | $479.3 m · 13.4% share · 5 offices | |
| JPMorgan Chase Bank, National Association | $350.8 m · 9.8% share · 2 offices | |
| Delaware, IN | $713.2 m FY2026 · $16,229/job | |
| MULTIPLE RECIPIENTS | $633.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Merchants Bank | $2,265,713,000 | 63.6% | 7 |
| Northwest Bank | $479,260,000 | 13.4% | 5 |
| JPMorgan Chase Bank, National Association | $350,770,000 | 9.8% | 2 |
| STAR Financial Bank | $243,803,000 | 6.8% | 3 |
| Old National Bank | $222,954,000 | 6.3% | 3 |
| Woodforest National Bank | $1,899,000 | 0.1% | 1 |
Deposit concentration is 4,404 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 = 63.6² + 13.4² + 9.8² + … (3 more) = 4,404
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 | $574,221,200 |
| Department of Veterans Affairs | $55,445,611 |
| Department of Education | $40,075,822 |
| Department of Housing and Urban Development | $15,843,782 |
| Department of Transportation | $9,876,114 |
| Department of Health and Human Services | $6,698,092 |
| Department of Agriculture | $4,801,753 |
| Railroad Retirement Board | $3,936,605 |
| Federal Communications Commission | $1,171,739 |
| National Science Foundation | $996,296 |
| Institute of Museum and Library Services | $95,000 |
| Department of the Interior | $74,675 |
That is $16,229 per covered job, against 43,947 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $713.2 m / 43,947 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,229
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 #
Delaware County, IN: 8 findings, 2 at a watch level and 6 noted
watchDelaware County, IN's covered employment is -0.7% 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 = -0.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchDelaware County, IN's typical asking rent is -1.1% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; 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: rent.momPct = -1.1009120889520765 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level
noteDelaware County, IN's average weekly wage was 8.2% 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
- +8.2 % = 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
noteDelaware County, IN's typical asking rent fell 1.1% from $1,016 in July 2026 to $1,004 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -1.1% = (1004.3425925925926 - 1015.5226037027976) / 1015.5226037027976 × 100
- 1004.3425925925926 = Zillow ZORI, 2026-08
- 1015.5226037027976 = Zillow ZORI, 2026-07
noteDelaware County, IN's covered employment was 0.7% 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
- -0.7 % = 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
Read all 8 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.