Harrison County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.19, -86.10.
Assembled 2026-10-07. Read the brief.
- 61st pct · 1,169th of 3,063 US counties · median $234,566
- 74th pct · 24th of 92 Indiana counties · median $234,055
- 45th pct · 7th of 12 counties in the Louisville/Jefferson County metro · median $276,709
- 62nd pct · 1,148th of 3,063 US counties · median +2.9%
- 45th pct · 51st of 92 Indiana counties · median +4.2%
- 81st pct · 3rd of 12 counties in the Louisville/Jefferson County metro · median +1.9%
- US counties: not published this period
- Indiana counties: not published this period
- counties in the Louisville/Jefferson County metro: not published this period
- 55th pct · 1,442nd of 3,221 US counties · median 8,232
- 40th pct · 55th of 92 Indiana counties · median 12,958
- 36th pct · 8th of 12 counties in the Louisville/Jefferson County metro · median 16,814
- 36th pct · 2,026th of 3,221 US counties · median $1,039
- 25th pct · 69th of 92 Indiana counties · median $1,045
- 18th pct · 10th of 12 counties in the Louisville/Jefferson County metro · median $1,073
- 69th pct · 946th of 3,063 US counties · median 4.3
- 84th pct · 15th of 92 Indiana counties · median 4.2
- 63rd pct · 5th 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 $270,023 (Aug 2026), +4.1% over one year, +29.4% over five
- 61st pct · 1,169th of 3,063 US counties · median $234,566
- 74th pct · 24th of 92 Indiana counties · median $234,055
- 45th pct · 7th of 12 counties in the Louisville/Jefferson County metro · median $276,709
| Item | Value | Distance |
|---|---|---|
| Harrison County, IN | $270,023 · +4.1% 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
- counties in the Louisville/Jefferson County metro: 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 $1,478 a month on $270,023 at 7.28%, against an average weekly wage worth $4,247 a month: 34.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $270,023 × 80% = $216,018, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,478/mo principal and interest
- wage share = payment / (avg weekly wage $980 × 52 / 12 = $4,247) = 35% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $270,023 / ($980 × 52) = 5.3
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 #
10,075 jobs at 787 employers (2026 Q1); -0.6% jobs and -0.6% average weekly wage over the year
- 55th pct · 1,442nd of 3,221 US counties · median 8,232
- 40th pct · 55th of 92 Indiana counties · median 12,958
- 36th pct · 8th of 12 counties in the Louisville/Jefferson County metro · median 16,814
| Item | Value | Distance |
|---|---|---|
| Harrison County, IN | 10,075 jobs · $980/wk · -0.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 1,879 | $663 | 2.08 | +1.7% |
| Retail trade | 1,329 | $683 | 1.35 | +2.5% |
| Manufacturing | 1,078 | $1,389 | 1.33 | -7.5% |
| Construction | 546 | $934 | 1.03 | -6.3% |
| Wholesale trade | 462 | $1,671 | 1.20 | +10.0% |
| Finance and insurance | 257 | $1,733 | 0.63 | +0.4% |
| Transportation and warehousing | 235 | $1,158 | 0.55 | +16.9% |
| Other services | 218 | $780 | 0.72 | -11.0% |
| Professional and technical services | 215 | $1,331 | 0.31 | -5.3% |
| Arts, entertainment and recreation | 173 | $1,382 | 1.04 | -16.8% |
| Utilities | 110 | $2,004 | 2.76 | -0.9% |
| Mining, oil and gas | 84 | $1,465 | 2.34 | +7.7% |
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 #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
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 #
78 gauges · 0 flooding · 33 with quality panels averaging 98 % · 22 stale
Sites found: 78, 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 |
|---|---|---|
| BUCK CREEK NEAR NEW MIDDLETOWN, IN | flow 4.34 ft³/s | 7 km |
| INDIAN CREEK AT SR 335 NEAR CORYDON IN | flow 35.0 ft³/s · STALE | 10 km |
| BLUE RIVER NEAR WHITE CLOUD, IN | flow 34.6 ft³/s | 12 km |
| OHIO RIVER BELOW RIVERVIEW PK NR LOUISVILLE, KY | stage 10.9 ft | 19 km |
| MILL CREEK CUTOFF NEAR LOUISVILLE, KY | flow 0.01 ft³/s | 21 km |
| LITTLE INDIAN CREEK NEAR GALENA, IN | flow 6.70 ft³/s · STALE | 21 km |
| MILL CREEK AT ORELL ROAD NEAR LOUISVILLE, KY | flow 0.00 ft³/s | 22 km |
| SALT RIVER AT MOUTH AT WEST POINT, KY | stage 9.49 ft · STALE | 25 km |
| POND CREEK AT PENDLETON ROAD NEAR LOUISVILLE, KY | flow 38.0 ft³/s · quality 100 % (4) | 25 km |
| BRIER CREEK AT PENDELTON ROAD NEAR LOUISVILLE, KY | flow 1.61 ft³/s · quality 100 % (4) | 27 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 #
59 wells in 0 named aquifers:
Sites found: 59, 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-382323086044501 | depth 16.9 ft · 2026-10-05 | 23 km |
| USGS-375936086001301 | depth 23.5 ft · 1998-06-16 | 23 km |
| USGS-375944085591002 | depth 38.0 ft · 2018-05-08 | 24 km |
| USGS-375937085592101 | depth 36.0 ft · 2017-01-31 | 24 km |
| USGS-375947085585501 | depth 15.7 ft · 2024-09-24 | 24 km |
| USGS-375951085582101 | depth 50.2 ft · 2013-09-29 | 24 km |
| USGS-375942085583901 | depth 40.9 ft · 2024-09-23 | 24 km |
| USGS-375918085591901 | depth 31.1 ft · 2017-01-31 | 24 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 + 0.2×0.02 / 0.55
Banks & federal dollars #
$948.4 m in deposits at 9 offices of 5 banks (SOD June 2026); HHI 3,129, highly concentrated. $9.5 m federal obligations in FY2026 (grants $9.0 m, contracts $467,648), $939 per covered job
| Item | Value | Distance |
|---|---|---|
| First Harrison Bank | $429.7 m · 45.3% share · 4 offices | |
| First Merchants Bank | $239.6 m · 25.3% share · 2 offices | |
| JPMorgan Chase Bank, National Association | $162.3 m · 17.1% share · 1 office | |
| Harrison, IN | $9.5 m FY2026 · $939/job | |
| MULTIPLE RECIPIENTS | $260.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Harrison Bank | $429,704,000 | 45.3% | 4 |
| First Merchants Bank | $239,638,000 | 25.3% | 2 |
| JPMorgan Chase Bank, National Association | $162,322,000 | 17.1% | 1 |
| Regions Bank | $114,131,000 | 12.0% | 1 |
| Woodforest National Bank | $2,587,000 | 0.3% | 1 |
Deposit concentration is 3,129 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 45.3² + 25.3² + 17.1² + … (2 more) = 3,129
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 | $225,940,025 |
| Department of Veterans Affairs | $31,380,591 |
| Department of Transportation | $6,959,500 |
| Railroad Retirement Board | $3,719,876 |
| Environmental Protection Agency | $2,000,000 |
| Department of Agriculture | $1,514,179 |
| Department of Housing and Urban Development | $546,003 |
| Federal Communications Commission | $26,787 |
| Small Business Administration | $3,769 |
| Department of Health and Human Services | -$32,662 |
That is $939 per covered job, against 10,075 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $9.5 m / 10,075 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $939
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 | 3.00 | 2026-10-06 | -50.0% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| 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 #
Harrison County, IN: 7 findings, 2 at a watch level and 5 noted
watchHarrison County, IN's average weekly wage is -0.6% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; 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.avgWeeklyWage = -0.6 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchHarrison County, IN's covered employment is -0.6% 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 = -0.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteHarrison County, IN's average weekly wage was 0.6% 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
- -0.6 % = 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
noteHarrison County, IN's covered employment was 0.6% 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
- -0.6 % = 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
noteHarrison County, IN's typical home value rose 0.3% from $269,307 in July 2026 to $270,023 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (270022.7328978575 - 269306.85967858357) / 269306.85967858357 × 100
- 270022.7328978575 = Zillow ZHVI, 2026-08
- 269306.85967858357 = Zillow ZHVI, 2026-07
Read all 7 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.