Floyd County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.32, -85.91.
Assembled 2026-10-06. Read the brief.
- 66th pct · 1,027th of 3,063 US counties · median $234,566
- 81st pct · 18th of 92 Indiana counties · median $234,055
- 63rd pct · 5th of 12 counties in the Louisville/Jefferson County metro · median $276,709
- 49th pct · 1,533rd of 3,063 US counties · median +2.9%
- 29th pct · 65th of 92 Indiana counties · median +4.2%
- 63rd pct · 5th of 12 counties in the Louisville/Jefferson County metro · median +1.9%
- 20th pct · 1,116th of 1,399 US counties · median $1,496
- 50th pct · 19th of 37 Indiana counties · median $1,174
- 16th pct · 6th of 7 counties in the Louisville/Jefferson County metro · median $1,360
- 78th pct · 685th of 3,221 US counties · median 8,232
- 76th pct · 22nd of 92 Indiana counties · median 12,958
- 81st pct · 3rd of 12 counties in the Louisville/Jefferson County metro · median 16,814
- 68th pct · 1,024th of 3,221 US counties · median $1,039
- 68th pct · 30th of 92 Indiana counties · median $1,045
- 72nd pct · 4th of 12 counties in the Louisville/Jefferson County metro · median $1,073
- 62nd pct · 1,150th of 3,063 US counties · median 4.3
- 75th pct · 23rd of 92 Indiana counties · median 4.2
- 45th pct · 7th of 12 counties in the Louisville/Jefferson County metro · median 4.9
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 $287,898 (Aug 2026), +2.9% over one year, +23.7% over five
- 66th pct · 1,027th of 3,063 US counties · median $234,566
- 81st pct · 18th of 92 Indiana counties · median $234,055
- 63rd pct · 5th of 12 counties in the Louisville/Jefferson County metro · median $276,709
| Item | Value | Distance |
|---|---|---|
| Floyd County, IN | $287,898 · +2.9% 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 $1,174/mo (Aug 2026), +1.7% over one year; price-to-rent 20.4
- 20th pct · 1,116th of 1,399 US counties · median $1,496
- 50th pct · 19th of 37 Indiana counties · median $1,174
- 16th pct · 6th of 7 counties in the Louisville/Jefferson County metro · median $1,360
| Item | Value | Distance |
|---|---|---|
| Floyd County, IN | $1,174/mo · +1.7% 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 $1,576 a month on $287,898 at 7.28%, against an average weekly wage worth $4,918 a month: 32.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $287,898 × 80% = $230,319, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,576/mo principal and interest
- wage share = payment / (avg weekly wage $1,135 × 52 / 12 = $4,918) = 32% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $287,898 / ($1,135 × 52) = 4.9
- price-to-rent = $287,898 / ($1,174 × 12) = 20.4
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 #
33,231 jobs at 2,158 employers (2026 Q1); +1.0% jobs and +4.0% average weekly wage over the year
- 78th pct · 685th of 3,221 US counties · median 8,232
- 76th pct · 22nd of 92 Indiana counties · median 12,958
- 81st pct · 3rd of 12 counties in the Louisville/Jefferson County metro · median 16,814
| Item | Value | Distance |
|---|---|---|
| Floyd County, IN | 33,231 jobs · $1,135/wk · +1.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 8,170 | $1,223 | 1.63 | +3.8% |
| Manufacturing | 5,457 | $1,376 | 2.04 | -5.8% |
| Accommodation and food services | 3,063 | $441 | 1.03 | +0.0% |
| Retail trade | 2,967 | $638 | 0.92 | +1.0% |
| Professional and technical services | 1,890 | $1,570 | 0.82 | +24.6% |
| Administrative and waste services | 1,640 | $899 | 0.87 | -12.2% |
| Other services | 898 | $754 | 0.90 | -0.8% |
| Finance and insurance | 629 | $1,763 | 0.46 | +3.3% |
| Wholesale trade | 549 | $1,881 | 0.43 | -4.0% |
| Transportation and warehousing | 536 | $1,314 | 0.38 | +12.8% |
| Educational services | 431 | $661 | 0.60 | +6.7% |
| Management of companies | 194 | $1,587 | 0.35 | -0.5% |
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 #
D0 abnormally dry
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 #
$5.6 bn in deposits at 29 offices of 14 banks (SOD June 2026); HHI 3,649, highly concentrated. $627.1 m federal obligations in FY2026 (direct payments $499.2 m, grants $92.7 m), $18,871 per covered job
| Item | Value | Distance |
|---|---|---|
| Truist Bank | $3.3 bn · 58.7% share · 1 office | |
| PNC Bank, National Association | $445.1 m · 7.9% share · 2 offices | |
| WesBanco Bank, Inc. | $409.2 m · 7.2% share · 4 offices | |
| Floyd, IN | $627.1 m FY2026 · $18,871/job | |
| MULTIPLE RECIPIENTS | $481.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Truist Bank | $3,314,039,000 | 58.7% | 1 |
| PNC Bank, National Association | $445,085,000 | 7.9% | 2 |
| WesBanco Bank, Inc. | $409,237,000 | 7.2% | 4 |
| Stock Yards Bank & Trust Company | $268,532,000 | 4.8% | 1 |
| JPMorgan Chase Bank, National Association | $256,471,000 | 4.5% | 2 |
| First Harrison Bank | $251,394,000 | 4.5% | 5 |
| First Financial Bank | $182,397,000 | 3.2% | 3 |
| First Merchants Bank | $114,867,000 | 2.0% | 3 |
| German American Bank | $114,465,000 | 2.0% | 1 |
| Fifth Third Bank, National Association | $105,658,000 | 1.9% | 1 |
Deposit concentration is 3,649 across 14 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 14 banks with deposits in the county = 58.7² + 7.9² + 7.2² + … (11 more) = 3,649
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 | $430,149,690 |
| Department of Transportation | $83,201,034 |
| Department of Veterans Affairs | $45,366,761 |
| Department of Defense | $33,009,457 |
| Department of Housing and Urban Development | $14,300,484 |
| Department of Education | $7,451,467 |
| Railroad Retirement Board | $5,728,276 |
| Department of Health and Human Services | $4,563,252 |
| National Aeronautics and Space Administration | $1,637,629 |
| Department of Agriculture | $1,299,437 |
| General Services Administration | $236,759 |
| Department of Justice | $97,486 |
That is $18,871 per covered job, against 33,231 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $627.1 m / 33,231 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,871
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 #
Floyd County, IN: 4 findings, 4 noted
noteFloyd County, IN's average weekly wage was 4.0% 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
- +4 % = 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
noteFloyd County, IN's covered employment was 1.0% 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 % = 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
noteThe next Zillow ZHVI typical home value (monthly) covering Floyd 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
noteThe next Zillow ZORI typical rent (monthly) covering Floyd 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.