Jackson County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.91, -86.04.
Assembled 2026-10-06. Read the brief.
- 48th pct · 1,578th of 3,063 US counties · median $234,566
- 46th pct · 50th of 92 Indiana counties · median $234,055
- 39th pct · 1,860th of 3,063 US counties · median +2.9%
- 15th pct · 78th of 92 Indiana counties · median +4.2%
- US counties: not published this period
- Indiana counties: not published this period
- 72nd pct · 877th of 3,221 US counties · median 8,232
- 71st pct · 27th of 92 Indiana counties · median 12,958
- 71st pct · 909th of 3,221 US counties · median $1,039
- 71st pct · 27th of 92 Indiana counties · median $1,045
- 39th pct · 1,851st of 3,063 US counties · median 4.3
- 32nd pct · 62nd 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 $230,201 (Aug 2026), +2.0% over one year, +27.5% over five
- 48th pct · 1,578th of 3,063 US counties · median $234,566
- 46th pct · 50th of 92 Indiana counties · median $234,055
| Item | Value | Distance |
|---|---|---|
| Jackson County, IN | $230,201 · +2.0% 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 $1,260 a month on $230,201 at 7.28%, against an average weekly wage worth $5,040 a month: 25.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $230,201 × 80% = $184,161, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,260/mo principal and interest
- wage share = payment / (avg weekly wage $1,163 × 52 / 12 = $5,040) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $230,201 / ($1,163 × 52) = 3.8
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 #
21,607 jobs at 1,047 employers (2026 Q1); -2.4% jobs and -0.5% average weekly wage over the year
- 72nd pct · 877th of 3,221 US counties · median 8,232
- 71st pct · 27th of 92 Indiana counties · median 12,958
| Item | Value | Distance |
|---|---|---|
| Jackson County, IN | 21,607 jobs · $1,163/wk · -2.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 5,885 | $1,477 | 3.39 | -7.8% |
| Retail trade | 2,321 | $645 | 1.10 | -0.5% |
| Transportation and warehousing | 1,689 | $1,335 | 1.85 | -2.9% |
| Health care and social assistance | 1,531 | $806 | 0.47 | +0.0% |
| Accommodation and food services | 1,424 | $400 | 0.73 | +2.3% |
| Wholesale trade | 1,281 | $1,343 | 1.55 | +11.4% |
| Construction | 967 | $1,202 | 0.85 | +6.1% |
| Administrative and waste services | 752 | $1,071 | 0.61 | -23.0% |
| Agriculture, forestry, fishing | 615 | $1,356 | 3.94 | +0.0% |
| Finance and insurance | 429 | $1,709 | 0.49 | -1.4% |
| Other services | 375 | $699 | 0.58 | +0.8% |
| Professional and technical services | 360 | $1,167 | 0.24 | -2.2% |
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 |
|---|---|---|
| GEIST RESERVOIR AT INDIANAPOLIS, IN | 21,970 Acre-ft (USGS, no capacity on file) | 111 km |
| MORSE RESERVOIR AT NOBLESVILLE, IN | 23,410 Acre-ft (USGS, no capacity on file) | 129 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 #
51 gauges · 0 flooding · 5 with quality panels averaging 100 % · 14 stale
Sites found: 51, 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 |
|---|---|---|
| VON FANGE DITCH AT SEYMOUR, IN | flow 0.00 ft³/s · STALE | 12 km |
| EAST FORK WHITE RIVER AT SEYMOUR, IN | flow 1,210 ft³/s | 15 km |
| SOUTH FORK SALT CREEK AT KURTZ, IN | flow 0.25 ft³/s | 15 km |
| BACK CREEK AT LEESVILLE, IN | flow 1.60 ft³/s · STALE | 24 km |
| EAST FORK WHITE RIVER AT COLUMBUS, IN | stage -3.27 ft | 34 km |
| CLIFTY CREEK NEAR COLUMBUS, IN | flow 28.8 ft³/s | 34 km |
| HAW CREEK AT EAST COLUMBUS, IN | stage 2.58 ft | 34 km |
| MUSCATATUCK RIVER NEAR DEPUTY, IN | flow 10.8 ft³/s | 34 km |
| WEST FORK BLUE RIVER AT SALEM, IN | flow 0.88 ft³/s | 34 km |
| EAST FORK WHITE RIVER NEAR BEDFORD, IN | flow 888.0 ft³/s | 35 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 #
49 wells in 0 named aquifers:
Sites found: 49, 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-385542086005601 | depth 8.43 ft · 2025-01-28 | 3 km |
| USGS-390950085553501 | depth 22.3 ft · 2025-12-29 | 30 km |
| USGS-391035085560401 | depth 24.9 ft · 2025-01-28 | 31 km |
| USGS-385601085365701 | depth 38.5 ft · 2025-06-16 | 37 km |
| USGS-391627085534401 | depth 17.3 ft · 2026-10-05 | 42 km |
| USGS-383012086124501 | depth 74.0 ft · 2025-02-06 | 48 km |
| USGS-384745086354301 | depth 9.64 ft · 2018-03-12 | 50 km |
| USGS-384949085251901 | depth 8.14 ft · 2026-10-05 | 55 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 #
$1.2 bn in deposits at 14 offices of 8 banks (SOD June 2026); HHI 2,334, highly concentrated. $257.4 m federal obligations in FY2026 (direct payments $248.3 m, grants $8.9 m), $11,911 per covered job
| Item | Value | Distance |
|---|---|---|
| Jackson County Bank | $467.3 m · 37.5% share · 4 offices | |
| The Peoples Bank | $298.6 m · 24.0% share · 4 offices | |
| First Financial Bank | $154.5 m · 12.4% share · 1 office | |
| Jackson, IN | $257.4 m FY2026 · $11,911/job | |
| MULTIPLE RECIPIENTS | $241.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Jackson County Bank | $467,273,000 | 37.5% | 4 |
| The Peoples Bank | $298,585,000 | 24.0% | 4 |
| First Financial Bank | $154,491,000 | 12.4% | 1 |
| PNC Bank, National Association | $116,033,000 | 9.3% | 1 |
| Old National Bank | $102,035,000 | 8.2% | 1 |
| The New Washington State Bank | $77,623,000 | 6.2% | 1 |
| German American Bank | $25,338,000 | 2.0% | 1 |
| Woodforest National Bank | $3,743,000 | 0.3% | 1 |
Deposit concentration is 2,334 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 37.5² + 24.0² + 12.4² + … (5 more) = 2,334
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 | $221,778,227 |
| Department of Veterans Affairs | $19,140,472 |
| Department of Transportation | $7,979,031 |
| Department of Agriculture | $3,800,538 |
| Department of Housing and Urban Development | $2,975,645 |
| Department of Health and Human Services | $765,809 |
| Railroad Retirement Board | $634,037 |
| Federal Communications Commission | $223,258 |
| Department of the Interior | $81,382 |
| Department of Education | $66,829 |
| Department of Defense | $40,974 |
| General Services Administration | -$122,690 |
That is $11,911 per covered job, against 21,607 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $257.4 m / 21,607 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $11,911
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 #
Jackson County, IN: 7 findings, 2 at a watch level and 5 noted
watchJackson County, IN's covered employment is -2.4% 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 = -2.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchJackson County, IN's average weekly wage is -0.5% 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 = -0.5 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteJackson County, IN's covered employment was 2.4% 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
- -2.4 % = 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
noteJackson County, IN's average weekly wage was 0.5% 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
- -0.5 % = 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
noteJackson County, IN's momentum index of -0.24 ranks 88th of 92 Indiana counties, against a median of 0.27.
Period 2026-08.Show the arithmetic
- 4 on the 0-to-100 scale across 92 Indiana counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
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.