Fountain County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.12, -87.23.
Assembled 2026-10-06. Read the brief.
- 35th pct · 1,963rd of 3,063 US counties · median $234,566
- 25th pct · 69th of 92 Indiana counties · median $234,055
- 76th pct · 730th of 3,063 US counties · median +2.9%
- 70th pct · 28th of 92 Indiana counties · median +4.2%
- US counties: not published this period
- Indiana counties: not published this period
- 34th pct · 2,110th of 3,221 US counties · median 8,232
- 15th pct · 78th of 92 Indiana counties · median 12,958
- 24th pct · 2,427th of 3,221 US counties · median $1,039
- 10th pct · 82nd of 92 Indiana counties · median $1,045
- 46th pct · 1,650th of 3,063 US counties · median 4.3
- 43rd pct · 52nd 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 $197,144 (Aug 2026), +5.5% over one year, +28.7% over five
- 35th pct · 1,963rd of 3,063 US counties · median $234,566
- 25th pct · 69th of 92 Indiana counties · median $234,055
| Item | Value | Distance |
|---|---|---|
| Fountain County, IN | $197,144 · +5.5% 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 $1,079 a month on $197,144 at 7.28%, against an average weekly wage worth $4,017 a month: 26.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $197,144 × 80% = $157,715, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,079/mo principal and interest
- wage share = payment / (avg weekly wage $927 × 52 / 12 = $4,017) = 27% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $197,144 / ($927 × 52) = 4.1
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 #
4,556 jobs at 374 employers (2026 Q1); -1.8% jobs and +2.3% average weekly wage over the year
- 34th pct · 2,110th of 3,221 US counties · median 8,232
- 15th pct · 78th of 92 Indiana counties · median 12,958
| Item | Value | Distance |
|---|---|---|
| Fountain County, IN | 4,556 jobs · $927/wk · -1.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,673 | $1,136 | 4.56 | -1.2% |
| Retail trade | 494 | $573 | 1.11 | -5.2% |
| Accommodation and food services | 358 | $336 | 0.87 | +3.2% |
| Finance and insurance | 157 | $1,482 | 0.85 | +3.3% |
| Other services | 115 | $773 | 0.84 | +25.0% |
| Agriculture, forestry, fishing | 113 | $864 | 3.43 | -8.1% |
| Wholesale trade | 110 | $1,240 | 0.63 | +4.8% |
| Construction | 96 | $1,166 | 0.40 | -23.8% |
| Professional and technical services | 73 | $1,026 | 0.23 | +9.0% |
| Arts, entertainment and recreation | 49 | $388 | 0.65 | +0.0% |
| Information | 33 | $505 | 0.39 | -2.9% |
| Real estate and rental | 24 | $443 | 0.34 | +14.3% |
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 #
2 USGS reservoir gauges, no capacity figures to weight
Sites found: 2, 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.
| Site | Reading | Distance |
|---|---|---|
| USGS-03350400 | 23,410 Acre-ft (USGS, no capacity on file) | 101 km |
| USGS-03351700 | 21,980 Acre-ft (USGS, no capacity on file) | 109 km |
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 #
50 gauges · 0 flooding · 4 with quality panels averaging 98 % · 13 stale
Sites found: 50, 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.
| Site | Reading | Distance |
|---|---|---|
| USGS-03339108 | flow 4.70 ft³/s · STALE | 9 km |
| USGS-03336000 | flow 9,070 ft³/s · no flooding | 15 km |
| USGS-03335680 | flow 8,110 ft³/s | 24 km |
| USGS-03335960 | flow 35.2 ft³/s | 25 km |
| USGS-03339500 | flow 49.4 ft³/s · no flooding | 29 km |
| USGS-03339000 | flow 288.0 ft³/s · quality 100 % (5) · no flooding | 31 km |
| USGS-03335673 | flow 4.88 ft³/s · out of service · STALE | 33 km |
| USGS-03335679 | flow 4.30 ft³/s · STALE | 34 km |
| USGS-033356848 | flow 41.3 ft³/s · no flooding | 37 km |
| USGS-03338780 | flow 129.0 ft³/s · quality 100 % (1) · no flooding | 38 km |
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 #
17 wells in 0 named aquifers:
Sites found: 17, 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.
| Site | Reading | Distance |
|---|---|---|
| USGS-400245086482801 | depth 42.4 ft · 2026-10-05 | 37 km |
| USGS-400247086482101 | depth 43.6 ft · 2024-03-27 | 37 km |
| USGS-402734087033401 | depth 117.9 ft · 2025-02-27 | 40 km |
| USGS-402734087033402 | depth 21.3 ft · 2026-10-05 | 40 km |
| USGS-394510087105001 | depth 12.1 ft · 2025-03-09 | 41 km |
| USGS-402851087213501 | depth 15.0 ft · 2026-10-05 | 41 km |
| USGS-402558087351501 | depth 23.1 ft · 2026-10-05 | 46 km |
| USGS-401143086394501 | depth 5.25 ft · 2025-03-02 | 49 km |
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 (0.01)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.03 / 0.55
Banks & federal dollars #
$503.4 m in deposits at 12 offices of 4 banks (SOD June 2026); HHI 3,487, highly concentrated. $122.2 m federal obligations in FY2026 (direct payments $115.5 m, grants $6.6 m), $26,827 per covered job
| Item | Value | Distance |
|---|---|---|
| The Fountain Trust Company | $258.6 m · 51.4% share · 5 offices | |
| Old National Bank | $103.1 m · 20.5% share · 1 office | |
| CentreBank | $91.1 m · 18.1% share · 5 offices | |
| Fountain, IN | $122.2 m FY2026 · $26,827/job | |
| MULTIPLE RECIPIENTS | $109.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Fountain Trust Company | $258,589,000 | 51.4% | 5 |
| Old National Bank | $103,084,000 | 20.5% | 1 |
| CentreBank | $91,069,000 | 18.1% | 5 |
| Horizon Bank | $50,624,000 | 10.1% | 1 |
Deposit concentration is 3,487 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 51.4² + 20.5² + 18.1² + … (1 more) = 3,487
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 | $97,488,422 |
| Department of Veterans Affairs | $11,154,875 |
| Department of Agriculture | $5,944,730 |
| Department of Health and Human Services | $3,737,865 |
| Department of Transportation | $2,859,394 |
| Railroad Retirement Board | $769,393 |
| Federal Communications Commission | $184,783 |
| Department of Housing and Urban Development | $108,245 |
| Department of Education | $35,761 |
| Small Business Administration | $0 |
| Department of the Interior | -$59,026 |
That is $26,827 per covered job, against 4,556 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $122.2 m / 4,556 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $26,827
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 #
Fountain County, IN: 5 findings, 1 at a watch level and 4 noted
watchFountain County, IN's covered employment is -1.8% 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 = -1.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteFountain County, IN's average weekly wage was 2.3% 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
- +2.3 % = 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
noteFountain County, IN's covered employment was 1.8% 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
- -1.8 % = 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
noteFountain County, IN's typical home value fell 0.6% from $198,365 in July 2026 to $197,144 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.6% = (197144.0136026173 - 198364.64867709624) / 198364.64867709624 × 100
- 197144.0136026173 = Zillow ZHVI, 2026-08
- 198364.64867709624 = Zillow ZHVI, 2026-07
noteThe next Zillow ZHVI typical home value (monthly) covering Fountain 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.