Jennings County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.00, -85.63.
Assembled 2026-10-06. Read the brief.
- 47th pct · 1,617th of 3,063 US counties · median $234,566
- 40th pct · 55th of 92 Indiana counties · median $234,055
- 85th pct · 451st of 3,063 US counties · median +2.9%
- 87th pct · 12th of 92 Indiana counties · median +4.2%
- US counties: not published this period
- Indiana counties: not published this period
- 48th pct · 1,667th of 3,221 US counties · median 8,232
- 34th pct · 61st of 92 Indiana counties · median 12,958
- 31st pct · 2,214th of 3,221 US counties · median $1,039
- 17th pct · 76th of 92 Indiana counties · median $1,045
- 56th pct · 1,345th of 3,063 US counties · median 4.3
- 62nd pct · 35th 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 $227,801 (Aug 2026), +6.8% over one year, +36.2% over five
- 47th pct · 1,617th of 3,063 US counties · median $234,566
- 40th pct · 55th of 92 Indiana counties · median $234,055
| Item | Value | Distance |
|---|---|---|
| Jennings County, IN | $227,801 · +6.8% 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 $1,247 a month on $227,801 at 7.28%, against an average weekly wage worth $4,147 a month: 30.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $227,801 × 80% = $182,241, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,247/mo principal and interest
- wage share = payment / (avg weekly wage $957 × 52 / 12 = $4,147) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $227,801 / ($957 × 52) = 4.6
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 #
7,667 jobs at 464 employers (2026 Q1); -1.5% jobs and +5.3% average weekly wage over the year
- 48th pct · 1,667th of 3,221 US counties · median 8,232
- 34th pct · 61st of 92 Indiana counties · median 12,958
| Item | Value | Distance |
|---|---|---|
| Jennings County, IN | 7,667 jobs · $957/wk · -1.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,065 | $1,153 | 3.35 | -0.5% |
| Construction | 819 | $1,226 | 2.04 | +1.5% |
| Transportation and warehousing | 741 | $999 | 2.29 | -4.1% |
| Retail trade | 672 | $655 | 0.90 | -2.7% |
| Accommodation and food services | 440 | $372 | 0.64 | +1.1% |
| Administrative and waste services | 300 | $736 | 0.69 | +9.1% |
| Professional and technical services | 132 | $1,368 | 0.25 | +5.6% |
| Finance and insurance | 93 | $1,172 | 0.30 | -4.1% |
| Other services | 89 | $603 | 0.39 | +0.0% |
| Arts, entertainment and recreation | 51 | $826 | 0.40 | +34.2% |
| Real estate and rental | 30 | $539 | 0.26 | +7.1% |
| Information | 3 | $983 | 0.02 | +0.0% |
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 | 21,980 Acre-ft (USGS, no capacity on file) | 106 km |
| MORSE RESERVOIR AT NOBLESVILLE, IN | 23,410 Acre-ft (USGS, no capacity on file) | 125 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 #
46 gauges · 0 flooding · 4 with quality panels averaging 98 % · 9 stale
Sites found: 46, 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 |
|---|---|---|
| VERNON FORK MUSCATATUCK RIVER AT VERNON, IN | flow 28.7 ft³/s · no flooding | 2 km |
| VERNON FORK MUSCATATUCK RIVER NR BUTLERVILLE, IN | flow 70.0 ft³/s · STALE | 9 km |
| BRUSH CREEK NEAR NEBRASKA, IN | flow 0.18 ft³/s · no flooding | 15 km |
| MUSCATATUCK RIVER NEAR DEPUTY, IN | flow 10.8 ft³/s · no flooding | 22 km |
| EAST FORK WHITE RIVER AT SEYMOUR, IN | flow 1,200 ft³/s · no flooding | 23 km |
| VON FANGE DITCH AT SEYMOUR, IN | flow 0.00 ft³/s · STALE | 25 km |
| HARBERTS CREEK NEAR MADISON, IN | flow 2.60 ft³/s · STALE | 27 km |
| CLIFTY CREEK NEAR COLUMBUS, IN | flow 28.8 ft³/s · no flooding | 30 km |
| CLIFTY CREEK AT HARTSVILLE, IN | flow 5.05 ft³/s · no flooding | 32 km |
| HAW CREEK AT EAST COLUMBUS, IN | stage 2.58 ft · no flooding | 33 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 #
46 wells in 0 named aquifers:
Sites found: 46, 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-385601085365701 | depth 38.5 ft · 2025-06-16 | 7 km |
| USGS-384949085251901 | depth 8.13 ft · 2026-10-04 | 26 km |
| USGS-390950085553501 | depth 22.3 ft · 2025-12-29 | 32 km |
| USGS-391035085560401 | depth 24.9 ft · 2025-01-28 | 33 km |
| USGS-385542086005601 | depth 8.43 ft · 2025-01-28 | 34 km |
| USGS-392022085371801 | depth 7.15 ft · 2026-10-05 | 38 km |
| USGS-391627085534401 | depth 17.3 ft · 2026-10-04 | 39 km |
| USGS-383403085352601 | depth 44.1 ft · 2026-06-24 | 48 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 #
$305.4 m in deposits at 4 offices of 4 banks (SOD June 2026); HHI 2,982, highly concentrated. $166.0 m federal obligations in FY2026 (direct payments $157.7 m, grants $7.6 m), $21,645 per covered job
| Item | Value | Distance |
|---|---|---|
| First Financial Bank | $105.7 m · 34.6% share · 1 office | |
| Old National Bank | $101.6 m · 33.3% share · 1 office | |
| German American Bank | $76.6 m · 25.1% share · 1 office | |
| Jennings, IN | $166.0 m FY2026 · $21,645/job | |
| MULTIPLE RECIPIENTS | $156.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Financial Bank | $105,682,000 | 34.6% | 1 |
| Old National Bank | $101,583,000 | 33.3% | 1 |
| German American Bank | $76,551,000 | 25.1% | 1 |
| Jackson County Bank | $21,578,000 | 7.1% | 1 |
Deposit concentration is 2,982 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 = 34.6² + 33.3² + 25.1² + … (1 more) = 2,982
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 | $143,948,063 |
| Department of Veterans Affairs | $11,470,553 |
| Department of Transportation | $7,468,934 |
| Department of Agriculture | $1,191,682 |
| Railroad Retirement Board | $1,029,852 |
| Department of Defense | $461,127 |
| Federal Communications Commission | $117,270 |
| General Services Administration | $108,149 |
| Department of Housing and Urban Development | $78,723 |
| Department of Health and Human Services | $76,716 |
| Small Business Administration | $0 |
That is $21,645 per covered job, against 7,667 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $166.0 m / 7,667 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,645
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 #
Jennings County, IN: 4 findings, 1 at a watch level and 3 noted
watchJennings County, IN's covered employment is -1.5% 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 = -1.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteJennings County, IN's average weekly wage was 5.3% 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
- +5.3 % = 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
noteJennings County, IN's covered employment was 1.5% 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
- -1.5 % = 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
noteThe next Zillow ZHVI typical home value (monthly) covering Jennings 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.