Dubois County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.37, -86.87.
Assembled 2026-10-06. Read the brief.
- 60th pct · 1,219th of 3,063 US counties · median $234,566
- 70th pct · 28th of 92 Indiana counties · median $234,055
- 76th pct · 710th of 3,063 US counties · median +2.9%
- 72nd pct · 26th of 92 Indiana counties · median +4.2%
- US counties: not published this period
- Indiana counties: not published this period
- 76th pct · 767th of 3,221 US counties · median 8,232
- 72nd pct · 26th of 92 Indiana counties · median 12,958
- 58th pct · 1,332nd of 3,221 US counties · median $1,039
- 56th pct · 41st of 92 Indiana counties · median $1,045
- 58th pct · 1,260th of 3,063 US counties · median 4.3
- 69th pct · 29th 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 $264,388 (Aug 2026), +5.6% over one year, +30.2% over five
- 60th pct · 1,219th of 3,063 US counties · median $234,566
- 70th pct · 28th of 92 Indiana counties · median $234,055
| Item | Value | Distance |
|---|---|---|
| Dubois County, IN | $264,388 · +5.6% 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 $1,447 a month on $264,388 at 7.28%, against an average weekly wage worth $4,680 a month: 30.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $264,388 × 80% = $211,510, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,447/mo principal and interest
- wage share = payment / (avg weekly wage $1,080 × 52 / 12 = $4,680) = 31% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $264,388 / ($1,080 × 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 #
26,905 jobs at 1,417 employers (2026 Q1); -3.8% jobs and +2.8% average weekly wage over the year
- 76th pct · 767th of 3,221 US counties · median 8,232
- 72nd pct · 26th of 92 Indiana counties · median 12,958
| Item | Value | Distance |
|---|---|---|
| Dubois County, IN | 26,905 jobs · $1,080/wk · -3.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 10,493 | $1,238 | 4.85 | -2.9% |
| Retail trade | 2,961 | $706 | 1.13 | -3.5% |
| Health care and social assistance | 2,800 | $923 | 0.69 | -15.8% |
| Accommodation and food services | 1,741 | $379 | 0.72 | +0.6% |
| Wholesale trade | 1,458 | $1,575 | 1.41 | -2.1% |
| Construction | 1,141 | $1,167 | 0.81 | +2.9% |
| Professional and technical services | 593 | $1,305 | 0.32 | -3.4% |
| Finance and insurance | 490 | $2,254 | 0.45 | +0.4% |
| Administrative and waste services | 479 | $628 | 0.31 | +8.4% |
| Other services | 453 | $709 | 0.56 | -7.9% |
| Management of companies | 274 | $2,607 | 0.61 | +3.8% |
| Arts, entertainment and recreation | 255 | $258 | 0.58 | +2.8% |
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 #
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 #
$2.1 bn in deposits at 18 offices of 6 banks (SOD June 2026); HHI 2,725, highly concentrated. $301.4 m federal obligations in FY2026 (direct payments $277.3 m, contracts $16.2 m), $11,203 per covered job
| Item | Value | Distance |
|---|---|---|
| German American Bank | $873.7 m · 42.4% share · 8 offices | |
| Old National Bank | $401.6 m · 19.5% share · 4 offices | |
| Springs Valley Bank & Trust Company | $360.8 m · 17.5% share · 2 offices | |
| Dubois, IN | $301.4 m FY2026 · $11,203/job | |
| MULTIPLE RECIPIENTS | $269.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| German American Bank | $873,653,000 | 42.4% | 8 |
| Old National Bank | $401,638,000 | 19.5% | 4 |
| Springs Valley Bank & Trust Company | $360,796,000 | 17.5% | 2 |
| Freedom Bank | $293,397,000 | 14.2% | 2 |
| Fifth Third Bank, National Association | $128,889,000 | 6.3% | 1 |
| Woodforest National Bank | $2,598,000 | 0.1% | 1 |
Deposit concentration is 2,725 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 = 42.4² + 19.5² + 17.5² + … (3 more) = 2,725
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 | $245,017,118 |
| Department of Veterans Affairs | $23,226,505 |
| General Services Administration | $12,199,510 |
| Department of Transportation | $7,923,671 |
| Department of Agriculture | $6,555,694 |
| Department of Defense | $3,647,641 |
| Railroad Retirement Board | $1,668,655 |
| Department of Housing and Urban Development | $707,127 |
| Federal Communications Commission | $480,578 |
| Department of State | $29,443 |
| Department of Health and Human Services | $15,464 |
| Small Business Administration | $0 |
That is $11,203 per covered job, against 26,905 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $301.4 m / 26,905 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $11,203
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 #
Dubois County, IN: 6 findings, 1 at an alert level, 1 at a watch level and 4 noted
alertDubois County, IN's covered employment is -3.8% 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 = -3.8 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchDubois County, IN's covered employment is -3.8% 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 = -3.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteDubois County, IN's covered employment was 3.8% 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
- -3.8 % = 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
noteDubois County, IN's average weekly wage was 2.8% 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
- +2.8 % = 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
noteDubois County, IN's covered employment of -3.8% ranks 83rd of 92 Indiana counties, against a median of -0.8%.
Period 2026 Q1.Show the arithmetic
- 10 on the 0-to-100 scale across 92 Indiana counties that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
Read all 6 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.