Kosciusko County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.24, -85.86.
Assembled 2026-10-06. Read the brief.
- 68th pct · 973rd of 3,063 US counties · median $234,566
- 83rd pct · 16th of 92 Indiana counties · median $234,055
- 83rd pct · 505th of 3,063 US counties · median +2.9%
- 83rd pct · 16th of 92 Indiana counties · median +4.2%
- 42nd pct · 800th of 1,399 US counties · median $1,496
- 69th pct · 12th of 37 Indiana counties · median $1,174
- 79th pct · 662nd of 3,221 US counties · median 8,232
- 79th pct · 20th of 92 Indiana counties · median 12,958
- 86th pct · 426th of 3,221 US counties · median $1,039
- 89th pct · 11th of 92 Indiana counties · median $1,045
- 49th pct · 1,546th of 3,063 US counties · median 4.3
- 53rd pct · 43rd 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 $294,761 (Aug 2026), +6.5% over one year, +29.7% over five
- 68th pct · 973rd of 3,063 US counties · median $234,566
- 83rd pct · 16th of 92 Indiana counties · median $234,055
| Item | Value | Distance |
|---|---|---|
| Kosciusko County, IN | $294,761 · +6.5% 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 #
Typical rent $1,414/mo (Aug 2026), +2.9% over one year; price-to-rent 17.4
- 42nd pct · 800th of 1,399 US counties · median $1,496
- 69th pct · 12th of 37 Indiana counties · median $1,174
| Item | Value | Distance |
|---|---|---|
| Kosciusko County, IN | $1,414/mo · +2.9% 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 $1,613 a month on $294,761 at 7.28%, against an average weekly wage worth $5,755 a month: 28.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $294,761 × 80% = $235,809, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,613/mo principal and interest
- wage share = payment / (avg weekly wage $1,328 × 52 / 12 = $5,755) = 28% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $294,761 / ($1,328 × 52) = 4.3
- price-to-rent = $294,761 / ($1,414 × 12) = 17.4
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 #
34,940 jobs at 2,209 employers (2026 Q1); -1.2% jobs and +3.8% average weekly wage over the year
- 79th pct · 662nd of 3,221 US counties · median 8,232
- 79th pct · 20th of 92 Indiana counties · median 12,958
| Item | Value | Distance |
|---|---|---|
| Kosciusko County, IN | 34,940 jobs · $1,328/wk · -1.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 11,931 | $1,952 | 4.24 | -3.3% |
| Health care and social assistance | 3,505 | $1,030 | 0.67 | +1.3% |
| Retail trade | 3,404 | $682 | 1.00 | -3.4% |
| Accommodation and food services | 2,665 | $370 | 0.85 | +1.5% |
| Construction | 1,861 | $1,134 | 1.02 | +4.9% |
| Other services | 1,504 | $842 | 1.44 | +1.9% |
| Administrative and waste services | 1,480 | $893 | 0.75 | +2.3% |
| Wholesale trade | 1,433 | $2,796 | 1.07 | -9.2% |
| Educational services | 1,022 | $530 | 1.36 | +4.4% |
| Finance and insurance | 713 | $1,865 | 0.50 | +0.1% |
| Professional and technical services | 664 | $1,225 | 0.28 | -1.9% |
| Management of companies | 282 | $1,846 | 0.48 | +2.5% |
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 #
Surface water layer not loaded
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 #
Surface water layer not loaded
Sites found: 0, 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.
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 #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, 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.
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 / 0.35
Banks & federal dollars #
$2.2 bn in deposits at 31 offices of 10 banks (SOD June 2026); HHI 4,567, highly concentrated. $491.4 m federal obligations in FY2026 (direct payments $470.1 m, contracts $12.2 m), $14,063 per covered job
| Item | Value | Distance |
|---|---|---|
| Lake City Bank | $1.5 bn · 66.3% share · 14 offices | |
| Northwest Bank | $172.9 m · 7.8% share · 3 offices | |
| PNC Bank, National Association | $135.8 m · 6.1% share · 2 offices | |
| Kosciusko, IN | $491.4 m FY2026 · $14,063/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Lake City Bank | $1,479,369,000 | 66.3% | 14 |
| Northwest Bank | $172,944,000 | 7.8% | 3 |
| PNC Bank, National Association | $135,845,000 | 6.1% | 2 |
| 1st Source Bank | $117,202,000 | 5.3% | 2 |
| Crossroads Bank | $81,879,000 | 3.7% | 2 |
| Horizon Bank | $77,893,000 | 3.5% | 2 |
| KeyBank National Association | $70,248,000 | 3.1% | 2 |
| Old National Bank | $47,260,000 | 2.1% | 1 |
| First Federal Savings Bank | $38,720,000 | 1.7% | 2 |
| The Campbell & Fetter Bank | $9,242,000 | 0.4% | 1 |
Deposit concentration is 4,567 across 10 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 66.3² + 7.8² + 6.1² + … (7 more) = 4,567
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 #
That is $14,063 per covered job, against 34,940 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $491.4 m / 34,940 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,063
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 #
Kosciusko County, IN: 7 findings, 1 at a watch level and 6 noted
watchKosciusko County, IN's covered employment is -1.2% 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 = -1.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteKosciusko County, IN's average weekly wage was 3.8% 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
- +3.8 % = 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
noteKosciusko County, IN's covered employment was 1.2% 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
- -1.2 % = 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
noteKosciusko County, IN's typical home value rose 0.8% from $292,420 in July 2026 to $294,761 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.8% = (294761.18266007194 - 292419.58479587064) / 292419.58479587064 × 100
- 294761.18266007194 = Zillow ZHVI, 2026-08
- 292419.58479587064 = Zillow ZHVI, 2026-07
noteKosciusko County, IN's typical asking rent rose 0.5% from $1,407 in July 2026 to $1,414 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.5% = (1414.3214285714287 - 1406.946718116612) / 1406.946718116612 × 100
- 1414.3214285714287 = Zillow ZORI, 2026-08
- 1406.946718116612 = Zillow ZORI, 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.