FIPS 18089, IN

Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.42, -87.38.

Assembled 2026-10-02. Read the brief.

Typical home value
$253,329
as of August 2026
  • 56th pct · 1,329th of 3,063 US counties · median $234,566
Home value, one year
+1.8%
as of August 2026
  • 37th pct · 1,907th of 3,063 US counties · median +2.9%
Typical rent
$1,471
as of August 2026
  • 47th pct · 739th of 1,399 US counties · median $1,496
Jobs
190,567
as of 2026 Q1-01
  • 94th pct · 170th of 3,221 US counties · median 8,232
Average weekly wage
$1,258
as of 2026 Q1-01
  • 81st pct · 590th of 3,221 US counties · median $1,039
Years of wages per home
3.9
  • 41st pct · 1,796th of 3,063 US counties · median 4.3

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 #

currentas of 2026 Q1retrieved 2026-10-02

Typical home $253,329 (Aug 2026), +1.8% over one year, +22.9% over five

  • 56th pct · 1,329th of 3,063 US counties · median $234,566
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.
ItemValueDistance
Lake County$253,329 · +1.8% 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 #

currentas of 2026 Q1retrieved 2026-10-02

Typical rent $1,471/mo (Aug 2026), +4.9% over one year; price-to-rent 14.4

  • 47th pct · 739th of 1,399 US counties · median $1,496
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
ItemValueDistance
Lake County$1,471/mo · +4.9% 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 #

currentretrieved 2026-10-02

Principal and interest of $1,387 a month on $253,329 at 7.28%, against an average weekly wage worth $5,451 a month: 25.4% of one job’s pay.

  • payment = P·r / (1 − (1+r)^−n), P = $253,329 × 80% = $202,664, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,387/mo principal and interest
  • wage share = payment / (avg weekly wage $1,258 × 52 / 12 = $5,451) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
  • years of wages = $253,329 / ($1,258 × 52) = 3.9
  • price-to-rent = $253,329 / ($1,471 × 12) = 14.4

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 #

currentas of 2026 Q1retrieved 2026-10-02

190,567 jobs at 12,321 employers (2026 Q1); +0.4% jobs and +3.9% average weekly wage over the year

  • 94th pct · 170th of 3,221 US counties · median 8,232
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.
ItemValueDistance
Lake County190,567 jobs · $1,258/wk · +0.4% YoY
BLS QCEW, all ownerships, third month of the quarter. A location quotient of 1.00 means this county has the national share of its jobs in that sector; 2.00 means twice it. A withheld row is a BLS disclosure code N: the cell is absent, not zero.
NAICS sectorJobsAvg weekly wageLocation quotientJobs over the year
Health care and social assistance32,283$1,1541.13-1.4%
Manufacturing21,940$2,2121.43-1.3%
Retail trade21,759$7091.17-2.6%
Accommodation and food services20,416$4821.19-1.2%
Construction12,608$1,9581.26+0.0%
Transportation and warehousing9,977$1,2161.24+7.5%
Administrative and waste services9,263$1,1300.86+3.0%
Professional and technical services8,103$1,4190.62+3.3%
Other services7,980$8781.40+0.9%
Finance and insurance4,628$1,8990.60-0.6%
Educational services3,278$8420.80+2.2%
Arts, entertainment and recreation2,862$6940.91-5.7%

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.

Water #

unavailableretrieved 2026-10-02County 18089 has no centroid in the offline manifest yet, and the water report is a search around a point.

Banks & federal dollars #

currentretrieved 2026-10-02

$16.1 bn in deposits at 126 offices of 16 banks (SOD June 2026); HHI 1,810, highly concentrated. $3.3 bn federal obligations in FY2026 (direct payments $2.9 bn, grants $236.8 m), $17,402 per covered job

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.
ItemValueDistance
Centier Bank$5.6 bn · 34.9% share · 24 offices
JPMorgan Chase Bank, National Association$3.0 bn · 18.4% share · 15 offices
Old National Bank$1.4 bn · 8.7% share · 12 offices
Lake, IN$3.3 bn FY2026 · $17,402/job
FDIC Summary of Deposits, June 2026. These are institution offices, not people: the row is a bank's presence in the county.
InstitutionDepositsShareOffices
Centier Bank$5,602,061,00034.9%24
JPMorgan Chase Bank, National Association$2,952,217,00018.4%15
Old National Bank$1,395,982,0008.7%12
First Merchants Bank$1,058,596,0006.6%8
Peoples Bank$1,058,097,0006.6%12
First Financial Bank$948,301,0005.9%7
Fifth Third Bank, National Association$837,226,0005.2%9
BMO Bank National Association$629,400,0003.9%11
American Community Bank of Indiana$344,779,0002.1%5
Providence Bank & Trust$289,945,0001.8%3

Deposit concentration is 1,810 across 16 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.

HHI = Σ (share %)² over 16 banks with deposits in the county = 34.9² + 18.4² + 8.7² + … (13 more) = 1,810

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 #

unavailableretrieved 2026-10-02USAspending did not return a recipient, agency and NAICS breakdown for this county.

That is $17,402 per covered job, against 190,567 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $3.3 bn / 190,567 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,402

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 #

currentretrieved 2026-10-02

These are United States, single-gauge, single-state and port series. None of them is keyed to this county.

The national indicator set, unfiltered by place.
SeriesLatestAs ofChange
Mississippi River at Memphis, stage · ftnot publishednot published
Mississippi River at St. Louis, stage · ftnot publishednot published
Ohio River at Louisville, stage · ft16.502026-09-30-11.7%
Missouri River at St. Joseph, stage · ftnot publishednot published
Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s5,170.002026-02-05-25.3%
Texas reservoirs, statewide percent full · %71.302026-10-01+0.1%
Laredo truck crossings, monthly · trucks258,700.002026-08-01-0.4%
Los Angeles + Long Beach container volume, annual · TEU10,513,167.002023-01-01-13.5%
Containerships waiting for a berth, all US ports · ships6.002026-09-22-14.3%
Shanghai to Los Angeles container rate · $ per 40 ft box6,830.002026-08-01+7.4%
US diesel retail price · $ per gallonunavailablenot published
WTI crude oil, spot · $ per barrel96.162026-09-29-3.2%
30-year fixed mortgage rate · %7.282026-10-01+3.6%
Housing starts, annual rate · thousands of units1,275.002026-08-01-2.6%
Building permits, annual rate · thousands of units1,403.002026-08-01-2.1%
Case-Shiller US home price index · index, Jan 2000 = 100337.312026-07-01+0.1%
Unemployment rate · %4.102026-08-01+0.0%
US goods and services trade balance, monthly · $ millions-88,576.002026-07-01-24.4%
Retail sales excluding food services, monthly · $ millions646,347.002026-08-01+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 #

currentretrieved 2026-10-02

FIPS 18089, IN: 8 findings, 8 noted

  1. noteFIPS 18089, IN's average weekly wage was 3.9% 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
    • +3.9 % = 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

  2. noteFIPS 18089, IN's covered employment was 0.4% 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
    • +0.4 % = 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

  3. noteFIPS 18089, IN's typical asking rent rose 0.3% from $1,466 in July 2026 to $1,471 in August 2026, on Zillow ZORI.

    Period 2026-08.
    Show the arithmetic
    • +0.3% = (1470.8221148946468 - 1465.8847167907113) / 1465.8847167907113 × 100
    • 1470.8221148946468 = Zillow ZORI, 2026-08
    • 1465.8847167907113 = Zillow ZORI, 2026-07
  4. noteFIPS 18089, IN's typical home value rose 0.3% from $252,564 in July 2026 to $253,329 in August 2026, on Zillow ZHVI.

    Period 2026-08.
    Show the arithmetic
    • +0.3% = (253329.48782981702 - 252563.6434905705) / 252563.6434905705 × 100
    • 253329.48782981702 = Zillow ZHVI, 2026-08
    • 252563.6434905705 = Zillow ZHVI, 2026-07
  5. noteFIPS 18089, IN's covered employment of 190,567 ranks 170th of 3,221 US counties, against a median of 8,232.

    Period 2026 Q1.
    Show the arithmetic
    • 95 on the 0-to-100 scale across 3221 US counties that published jobs.emp

    position among the entities that published this metric this period; not an official level

Read all 8 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.

Sources #

  • publishedTIGERwebU.S. Census Bureauopen the source
    tigerWMS_Current · retrieved 2026-10-02
  • publishedZillow Home Value Index (ZHVI)Zillow Researchopen the source
    County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv · period 2026-08 · retrieved 2026-10-02
  • publishedZillow Home Value Index (ZHVI)Zillow Researchopen the source
    Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv · period 2026-08 · retrieved 2026-10-02
  • publishedZillow Observed Rent Index (ZORI)Zillow Researchopen the source
    County_zori_uc_sfrcondomfr_sm_month.csv · period 2026-08 · retrieved 2026-10-02
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · price-to-rent = $253,329 / ($1,471 × 12) = 14.4
  • publishedFRED Economic DataFederal Reserve Bank of St. Louisopen the source
    MORTGAGE30US · period 2026-10-01 · retrieved 2026-10-02
  • publishedQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    area 18089, all ownerships, all industries · period 2026-Q1 · retrieved 2026-10-02
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · payment = P·r / (1 − (1+r)^−n), P = $253,329 × 80% = $202,664, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,387/mo principal and interest; wage share = payment / (avg weekly wage $1,258 × 52 / 12 = $5,451) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs); years of wages = $253,329 / ($1,258 × 52) = 3.9; price-to-rent = $253,329 / ($1,471 × 12) = 14.4
  • publishedQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    area 18089, NAICS sectors, private ownership · period 2026-Q1 · retrieved 2026-10-02
  • publishedWorld Port Index (Pub 150)National Geospatial-Intelligence Agencyopen the source
    Pub 150 World Port Index · retrieved 2026-10-02
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · 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%); terms home value 1-yr change +1.8% / ±10% × 0.3, rent 1-yr change +4.9% / ±10% × 0.15, jobs over-the-year change +0.4% / ±3% × 0.3, avg weekly wage over-the-year change +3.9% / ±6% × 0.25
  • publishedBankFind Suite APIFederal Deposit Insurance Corporationopen the source
    sod:18089:2026 · period 2026-06-30 · retrieved 2026-10-02
  • estimateBankFind Suite APIFederal Deposit Insurance Corporationopen the source
    sod-hhi:18089:2026 · period 2026-06-30 · retrieved 2026-10-02 · HHI = Σ (share %)² over 16 banks with deposits in the county = 34.9² + 18.4² + 8.7² + … (13 more) = 1,810
  • publishedUSAspending APIU.S. Department of the Treasuryopen the source
    spending_by_geography:county:FY2026 · period FY2026 · retrieved 2026-10-02
  • estimateUSAspending APIU.S. Department of the Treasuryopen the source
    · retrieved 2026-10-02 · per job = FY2026 obligations $3.3 bn / 190,567 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,402
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · 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%)
  • estimateQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    · retrieved 2026-10-02 · typical home value / (average weekly wage × 52); one average covered job, not a household
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
  • estimateZillow Observed Rent Index (ZORI)Zillow Researchopen the source
    · retrieved 2026-10-02 · month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns

Citations

  • U.S. Census Bureau. TIGERweb. series tigerWMS_Current. https://tigerweb.geo.census.gov/. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). series County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zhvi/County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). series Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zhvi/Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Observed Rent Index (ZORI). series County_zori_uc_sfrcondomfr_sm_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zori/County_zori_uc_sfrcondomfr_sm_month.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: price-to-rent = $253,329 / ($1,471 × 12) = 14.4.
  • Federal Reserve Bank of St. Louis. FRED Economic Data. series MORTGAGE30US. period 2026-10-01. https://fred.stlouisfed.org/series/MORTGAGE30US. accessed 2026-10-02.
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. series area 18089, all ownerships, all industries. period 2026-Q1. https://data.bls.gov/cew/data/api/2026/1/area/18089.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: payment = P·r / (1 − (1+r)^−n), P = $253,329 × 80% = $202,664, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,387/mo principal and interest; wage share = payment / (avg weekly wage $1,258 × 52 / 12 = $5,451) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs); years of wages = $253,329 / ($1,258 × 52) = 3.9; price-to-rent = $253,329 / ($1,471 × 12) = 14.4.
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. series area 18089, NAICS sectors, private ownership. period 2026-Q1. https://data.bls.gov/cew/data/api/2026/1/area/18089.csv. accessed 2026-10-02.
  • National Geospatial-Intelligence Agency. World Port Index (Pub 150). series Pub 150 World Port Index. https://msi.nga.mil/Publications/WPI. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: 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%); terms home value 1-yr change +1.8% / ±10% × 0.3, rent 1-yr change +4.9% / ±10% × 0.15, jobs over-the-year change +0.4% / ±3% × 0.3, avg weekly wage over-the-year change +3.9% / ±6% × 0.25.
  • Federal Deposit Insurance Corporation. BankFind Suite API. series sod:18089:2026. period 2026-06-30. https://banks.data.fdic.gov/api/sod?filters=STCNTYBR%3A18089+AND+YEAR%3A2026&fields=CERT%2CNAMEFULL%2CBRNUM%2CUNINUMBR%2CDEPSUMBR%2CASSET%2CSTCNTYBR%2CCNTYNAMB%2CSTALPBR%2CYEAR%2CSIMS_LATITUDE%2CSIMS_LONGITUDE&format=json&limit=10000. accessed 2026-10-02.
  • Federal Deposit Insurance Corporation. BankFind Suite API. series sod-hhi:18089:2026. period 2026-06-30. https://banks.data.fdic.gov/docs/. accessed 2026-10-02. estimate computed by Embedding Atlas: HHI = Σ (share %)² over 16 banks with deposits in the county = 34.9² + 18.4² + 8.7² + … (13 more) = 1,810.
  • U.S. Department of the Treasury. USAspending API. series spending_by_geography:county:FY2026. period FY2026. https://api.usaspending.gov/api/v2/search/spending_by_geography/. accessed 2026-10-02.
  • U.S. Department of the Treasury. USAspending API. https://api.usaspending.gov/. accessed 2026-10-02. estimate computed by Embedding Atlas: per job = FY2026 obligations $3.3 bn / 190,567 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,402.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: 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%).
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. https://www.bls.gov/cew/. accessed 2026-10-02. estimate computed by Embedding Atlas: typical home value / (average weekly wage × 52); one average covered job, not a household.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns.
  • Zillow Research. Zillow Observed Rent Index (ZORI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns.

What these numbers are not

  • County 18089 is not in the offline place manifest yet (21 of about 3,235 counties are), so its name and centroid have to come from upstream at request time.
  • USAspending did not answer for recipients, awarding agencies and NAICS.
  • Obligations are what agencies committed in FY2026 by place of performance: not outlays, and not the recipient's own location.
  • FY2026 closed 2 days ago; agencies report with up to a 45-day lag, so totals are still filling in.
  • The indicator block is the NATIONAL set, filtered only by lens. None of these series is keyed to this place: they are United States, gauge, single-state or port series and they are shown as context, not as this place's own readings.

Page assembled 2026-10-02T03:06:29.815Z. Place identity tables have never been pulled: names, centroids and memberships come from the offline seed, which is complete for states and metropolitan areas and partial for counties.