Fayette County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.64, -85.19.
Assembled 2026-10-06. Read the brief.
- 20th pct · 2,442nd of 3,063 US counties · median $234,566
- 4th pct · 88th of 92 Indiana counties · median $234,055
- 44th pct · 1,690th of 3,063 US counties · median +2.9%
- 24th pct · 70th of 92 Indiana counties · median +4.2%
- US counties: not published this period
- Indiana counties: not published this period
- 40th pct · 1,905th of 3,221 US counties · median 8,232
- 23rd pct · 71st of 92 Indiana counties · median 12,958
- 14th pct · 2,749th of 3,221 US counties · median $1,039
- 7th pct · 85th of 92 Indiana counties · median $1,045
- 33rd pct · 2,031st of 3,063 US counties · median 4.3
- 25th pct · 69th 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 $162,244 (Aug 2026), +2.5% over one year, +43.8% over five
- 20th pct · 2,442nd of 3,063 US counties · median $234,566
- 4th pct · 88th of 92 Indiana counties · median $234,055
| Item | Value | Distance |
|---|---|---|
| Fayette County, IN | $162,244 · +2.5% 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
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 $888 a month on $162,244 at 7.28%, against an average weekly wage worth $3,779 a month: 23.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $162,244 × 80% = $129,795, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $888/mo principal and interest
- wage share = payment / (avg weekly wage $872 × 52 / 12 = $3,779) = 24% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $162,244 / ($872 × 52) = 3.6
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 #
5,708 jobs at 415 employers (2026 Q1); -2.3% jobs and +0.8% average weekly wage over the year
- 40th pct · 1,905th of 3,221 US counties · median 8,232
- 23rd pct · 71st of 92 Indiana counties · median 12,958
| Item | Value | Distance |
|---|---|---|
| Fayette County, IN | 5,708 jobs · $872/wk · -2.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 1,226 | $903 | 1.43 | +0.2% |
| Manufacturing | 1,031 | $1,288 | 2.25 | -5.2% |
| Retail trade | 852 | $586 | 1.53 | -0.6% |
| Accommodation and food services | 594 | $307 | 1.16 | +0.0% |
| Finance and insurance | 148 | $1,352 | 0.64 | +4.2% |
| Wholesale trade | 139 | $1,462 | 0.64 | -6.7% |
| Other services | 132 | $503 | 0.77 | -7.0% |
| Professional and technical services | 122 | $1,008 | 0.31 | +0.0% |
| Construction | 83 | $629 | 0.28 | -10.8% |
| Information | 63 | $534 | 0.60 | -10.0% |
| Utilities | 44 | $1,807 | 1.95 | -4.3% |
| Real estate and rental | 34 | $885 | 0.39 | +25.9% |
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 #
$490.6 m in deposits at 7 offices of 6 banks (SOD June 2026); HHI 2,180, highly concentrated. $168.1 m federal obligations in FY2026 (direct payments $165.8 m, grants $2.3 m), $29,446 per covered job
| Item | Value | Distance |
|---|---|---|
| Union Savings and Loan Association | $172.9 m · 35.2% share · 2 offices | |
| Fifth Third Bank, National Association | $90.4 m · 18.4% share · 1 office | |
| U.S. Bank National Association | $82.3 m · 16.8% share · 1 office | |
| Fayette, IN | $168.1 m FY2026 · $29,446/job | |
| MULTIPLE RECIPIENTS | $162.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Union Savings and Loan Association | $172,881,000 | 35.2% | 2 |
| Fifth Third Bank, National Association | $90,358,000 | 18.4% | 1 |
| U.S. Bank National Association | $82,322,000 | 16.8% | 1 |
| First Financial Bank | $68,714,000 | 14.0% | 1 |
| FCN Bank, National Association | $40,016,000 | 8.2% | 1 |
| First Merchants Bank | $36,316,000 | 7.4% | 1 |
Deposit concentration is 2,180 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 = 35.2² + 18.4² + 16.8² + … (3 more) = 2,180
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 | $148,961,500 |
| Department of Veterans Affairs | $12,289,388 |
| Department of Agriculture | $2,857,587 |
| Department of Health and Human Services | $1,542,379 |
| Department of Housing and Urban Development | $851,886 |
| Department of Transportation | $787,002 |
| Railroad Retirement Board | $628,357 |
| Federal Communications Commission | $159,391 |
| Small Business Administration | $0 |
That is $29,446 per covered job, against 5,708 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $168.1 m / 5,708 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $29,446
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 #
Fayette County, IN: 6 findings, 1 at a watch level and 5 noted
watchFayette County, IN's covered employment is -2.3% 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 = -2.3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteFayette County, IN's covered employment was 2.3% 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
- -2.3 % = 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
noteFayette County, IN's average weekly wage was 0.8% 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
- +0.8 % = 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
noteFayette County, IN's typical home value of $162,244 ranks 88th of 92 Indiana counties, against a median of $234,055.
Period 2026-08.Show the arithmetic
- 4 on the 0-to-100 scale across 92 Indiana counties that published home.latest
position among the entities that published this metric this period; not an official level
noteFayette County, IN's average weekly wage of $872 ranks 85th of 92 Indiana counties, against a median of $1,045.
Period 2026 Q1.Show the arithmetic
- 8 on the 0-to-100 scale across 92 Indiana counties that published jobs.avgWeeklyWage
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.