Grant County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.52, -85.65.
Assembled 2026-10-06. Read the brief.
- 18th pct · 2,497th of 3,063 US counties · median $234,566
- 2nd pct · 90th of 92 Indiana counties · median $234,055
- 64th pct · 1,098th of 3,063 US counties · median +2.9%
- 50th pct · 46th of 92 Indiana counties · median +4.2%
- 6th pct · 1,312th of 1,399 US counties · median $1,496
- 11th pct · 33rd of 37 Indiana counties · median $1,174
- 76th pct · 760th of 3,221 US counties · median 8,232
- 73rd pct · 25th of 92 Indiana counties · median 12,958
- 51st pct · 1,572nd of 3,221 US counties · median $1,039
- 46th pct · 49th of 92 Indiana counties · median $1,045
- 17th pct · 2,527th of 3,063 US counties · median 4.3
- 6th pct · 86th 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 $157,183 (Aug 2026), +4.2% over one year, +33.0% over five
- 18th pct · 2,497th of 3,063 US counties · median $234,566
- 2nd pct · 90th of 92 Indiana counties · median $234,055
| Item | Value | Distance |
|---|---|---|
| Grant County, IN | $157,183 · +4.2% 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 $957/mo (Aug 2026), +7.8% over one year; price-to-rent 13.7
- 6th pct · 1,312th of 1,399 US counties · median $1,496
- 11th pct · 33rd of 37 Indiana counties · median $1,174
| Item | Value | Distance |
|---|---|---|
| Grant County, IN | $957/mo · +7.8% 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 $860 a month on $157,183 at 7.28%, against an average weekly wage worth $4,520 a month: 19.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $157,183 × 80% = $125,746, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $860/mo principal and interest
- wage share = payment / (avg weekly wage $1,043 × 52 / 12 = $4,520) = 19% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $157,183 / ($1,043 × 52) = 2.9
- price-to-rent = $157,183 / ($957 × 12) = 13.7
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 #
27,371 jobs at 1,298 employers (2026 Q1); -2.1% jobs and +1.1% average weekly wage over the year
- 76th pct · 760th of 3,221 US counties · median 8,232
- 73rd pct · 25th of 92 Indiana counties · median 12,958
| Item | Value | Distance |
|---|---|---|
| Grant County, IN | 27,371 jobs · $1,043/wk · -2.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 4,427 | $1,487 | 2.01 | -2.0% |
| Retail trade | 2,820 | $633 | 1.06 | -0.6% |
| Transportation and warehousing | 2,443 | $1,017 | 2.12 | -7.3% |
| Accommodation and food services | 2,205 | $373 | 0.90 | +0.0% |
| Administrative and waste services | 1,712 | $656 | 1.10 | +0.3% |
| Construction | 743 | $1,115 | 0.52 | +3.1% |
| Other services | 657 | $660 | 0.80 | +5.8% |
| Finance and insurance | 595 | $1,685 | 0.53 | -3.9% |
| Professional and technical services | 515 | $1,482 | 0.27 | +2.0% |
| Management of companies | 289 | $2,095 | 0.63 | +19.9% |
| Real estate and rental | 169 | $847 | 0.40 | -3.4% |
| Information | 83 | $1,127 | 0.16 | -32.5% |
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 #
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) | 59 km |
| USGS-03351700 | 21,970 Acre-ft (USGS, no capacity on file) | 73 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 #
66 gauges · 0 flooding · 4 with quality panels averaging 100 % · 18 stale
Sites found: 66, 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-03326500 | flow 191.0 ft³/s | 7 km |
| USGS-03333450 | flow 16.4 ft³/s | 24 km |
| USGS-03324300 | flow 87.3 ft³/s | 28 km |
| USGS-03326070 | flow 19.0 ft³/s · STALE | 28 km |
| USGS-033483827 | flow 2.61 ft³/s | 31 km |
| USGS-03348020 | flow 2.50 ft³/s · STALE | 31 km |
| USGS-03324500 | stage 6.06 ft · quality 100 % (1) | 33 km |
| USGS-03348350 | flow 16.1 ft³/s | 33 km |
| USGS-03325000 | flow 4,590 ft³/s | 34 km |
| USGS-03327000 | stage 0.66 ft · quality 100 % (1) | 34 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 #
26 wells in 0 named aquifers:
Sites found: 26, 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-402848085340201 | depth 20.3 ft · 2025-02-02 | 8 km |
| USGS-403836085374401 | depth 117.6 ft · 2026-10-05 | 14 km |
| USGS-403948085414601 | depth 45.6 ft · 2025-06-11 | 17 km |
| USGS-402322085481901 | depth 6.05 ft · 2026-10-05 | 19 km |
| USGS-404006085244801 | depth 26.6 ft · 2025-06-11 | 27 km |
| USGS-401308085394101 | depth 5.82 ft · 2026-06-23 | 33 km |
| USGS-404858085284301 | depth 70.7 ft · 2003-09-29 | 37 km |
| USGS-404603086021801 | depth 9.75 ft · 2025-05-12 | 43 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.00 / 0.55
Banks & federal dollars #
$1.1 bn in deposits at 15 offices of 7 banks (SOD June 2026); HHI 2,015, highly concentrated. $513.0 m federal obligations in FY2026 (direct payments $466.3 m, contracts $33.2 m), $18,743 per covered job
| Item | Value | Distance |
|---|---|---|
| Grant County State Bank | $308.2 m · 28.4% share · 3 offices | |
| STAR Financial Bank | $295.4 m · 27.2% share · 4 offices | |
| First Farmers Bank & Trust Co. | $174.6 m · 16.1% share · 2 offices | |
| Grant, IN | $513.0 m FY2026 · $18,743/job | |
| MULTIPLE RECIPIENTS | $423.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Grant County State Bank | $308,205,000 | 28.4% | 3 |
| STAR Financial Bank | $295,358,000 | 27.2% | 4 |
| First Farmers Bank & Trust Co. | $174,630,000 | 16.1% | 2 |
| Northwest Bank | $94,116,000 | 8.7% | 3 |
| Horizon Bank | $87,702,000 | 8.1% | 1 |
| Regions Bank | $76,775,000 | 7.1% | 1 |
| The Fairmount State Bank | $49,022,000 | 4.5% | 1 |
Deposit concentration is 2,015 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 28.4² + 27.2² + 16.1² + … (4 more) = 2,015
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 | $372,700,198 |
| Department of Veterans Affairs | $82,612,793 |
| Department of Education | $32,100,005 |
| Department of Housing and Urban Development | $7,555,544 |
| Department of Transportation | $7,374,216 |
| Department of Agriculture | $4,806,792 |
| Department of Health and Human Services | $3,318,706 |
| Railroad Retirement Board | $1,386,928 |
| Federal Communications Commission | $777,567 |
| National Aeronautics and Space Administration | $249,703 |
| Department of Defense | $109,946 |
| Department of Homeland Security | $13,020 |
That is $18,743 per covered job, against 27,371 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $513.0 m / 27,371 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,743
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 | 2026-10-06 | +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 | -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 #
Grant County, IN: 11 findings, 1 at a watch level and 10 noted
watchGrant County, IN's covered employment is -2.1% 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 = -2.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteGrant County, IN's covered employment was 2.1% 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
- -2.1 % = 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
noteGrant County, IN's average weekly wage was 1.1% 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
- +1.1 % = 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
noteGrant County, IN's typical asking rent rose 0.4% from $953 in July 2026 to $957 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.4% = (957.4523809523811 - 953.2884192089734) / 953.2884192089734 × 100
- 957.4523809523811 = Zillow ZORI, 2026-08
- 953.2884192089734 = Zillow ZORI, 2026-07
noteGrant County, IN's typical home value rose 0.3% from $156,668 in July 2026 to $157,183 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (157182.67419907512 - 156667.7215975175) / 156667.7215975175 × 100
- 157182.67419907512 = Zillow ZHVI, 2026-08
- 156667.7215975175 = Zillow ZHVI, 2026-07
Read all 11 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.