Lawrence County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.84, -86.49.
Assembled 2026-10-07. Read the brief.
- 40th pct · 1,822nd of 3,063 US counties · median $234,566
- 32nd pct · 62nd of 92 Indiana counties · median $234,055
- 48th pct · 1,590th of 3,063 US counties · median +2.9%
- 26th pct · 68th of 92 Indiana counties · median +4.2%
- 9th pct · 1,264th of 1,399 US counties · median $1,496
- 19th pct · 30th of 37 Indiana counties · median $1,174
- 62nd pct · 1,199th of 3,221 US counties · median 8,232
- 53rd pct · 43rd of 92 Indiana counties · median 12,958
- 51st pct · 1,566th of 3,221 US counties · median $1,039
- 48th pct · 47th of 92 Indiana counties · median $1,045
- 40th pct · 1,808th of 3,063 US counties · median 4.3
- 36th pct · 59th 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 $209,828 (Aug 2026), +2.8% over one year, +23.6% over five
- 40th pct · 1,822nd of 3,063 US counties · median $234,566
- 32nd pct · 62nd of 92 Indiana counties · median $234,055
| Item | Value | Distance |
|---|---|---|
| Lawrence County, IN | $209,828 · +2.8% 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 #
Typical rent $1,023/mo (Aug 2026), n/a over one year; price-to-rent 17.1
- 9th pct · 1,264th of 1,399 US counties · median $1,496
- 19th pct · 30th of 37 Indiana counties · median $1,174
| Item | Value | Distance |
|---|---|---|
| Lawrence County, IN | $1,023/mo · n/a 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 $1,149 a month on $209,828 at 7.28%, against an average weekly wage worth $4,524 a month: 25.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $209,828 × 80% = $167,863, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,149/mo principal and interest
- wage share = payment / (avg weekly wage $1,044 × 52 / 12 = $4,524) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $209,828 / ($1,044 × 52) = 3.9
- price-to-rent = $209,828 / ($1,023 × 12) = 17.1
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 #
13,882 jobs at 939 employers (2026 Q1); +0.5% jobs and +3.5% average weekly wage over the year
- 62nd pct · 1,199th of 3,221 US counties · median 8,232
- 53rd pct · 43rd of 92 Indiana counties · median 12,958
| Item | Value | Distance |
|---|---|---|
| Lawrence County, IN | 13,882 jobs · $1,044/wk · +0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 3,450 | $905 | 1.65 | +9.3% |
| Manufacturing | 2,313 | $1,884 | 2.07 | +1.0% |
| Retail trade | 1,853 | $625 | 1.37 | -3.3% |
| Accommodation and food services | 1,122 | $369 | 0.90 | -1.2% |
| Construction | 810 | $1,158 | 1.11 | +11.4% |
| Professional and technical services | 682 | $1,299 | 0.71 | -9.8% |
| Finance and insurance | 360 | $1,638 | 0.64 | +6.5% |
| Other services | 359 | $637 | 0.87 | -8.9% |
| Wholesale trade | 206 | $1,438 | 0.39 | -9.6% |
| Administrative and waste services | 205 | $824 | 0.26 | -5.5% |
| Transportation and warehousing | 189 | $1,283 | 0.32 | -0.5% |
| Educational services | 157 | $844 | 0.53 | -4.3% |
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 #
$531.2 m in deposits at 8 offices of 7 banks (SOD June 2026); HHI 3,049, highly concentrated. $351.5 m federal obligations in FY2026 (direct payments $304.6 m, contracts $37.2 m), $25,322 per covered job
| Item | Value | Distance |
|---|---|---|
| Bedford Federal Savings Bank | $261.7 m · 49.3% share · 2 offices | |
| JPMorgan Chase Bank, National Association | $86.1 m · 16.2% share · 1 office | |
| Old National Bank | $64.0 m · 12.0% share · 1 office | |
| Lawrence, IN | $351.5 m FY2026 · $25,322/job | |
| MULTIPLE RECIPIENTS | $297.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bedford Federal Savings Bank | $261,695,000 | 49.3% | 2 |
| JPMorgan Chase Bank, National Association | $86,065,000 | 16.2% | 1 |
| Old National Bank | $63,972,000 | 12.0% | 1 |
| German American Bank | $61,293,000 | 11.5% | 1 |
| Jackson County Bank | $47,152,000 | 8.9% | 1 |
| Owen County State Bank | $8,835,000 | 1.7% | 1 |
| Woodforest National Bank | $2,204,000 | 0.4% | 1 |
Deposit concentration is 3,049 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 49.3² + 16.2² + 12.0² + … (4 more) = 3,049
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 | $259,048,726 |
| Department of Veterans Affairs | $36,709,397 |
| Department of Defense | $33,839,728 |
| Department of Agriculture | $5,391,662 |
| Department of Health and Human Services | $4,251,886 |
| Department of Transportation | $4,085,306 |
| Department of Housing and Urban Development | $2,956,215 |
| General Services Administration | $2,664,797 |
| Railroad Retirement Board | $1,452,100 |
| Federal Communications Commission | $1,027,719 |
| Department of Justice | $80,288 |
| Department of Education | $18,899 |
That is $25,322 per covered job, against 13,882 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $351.5 m / 13,882 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $25,322
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 #
Lawrence County, IN: 7 findings, 7 noted
noteLawrence County, IN's average weekly wage was 3.5% 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
- +3.5 % = 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
noteLawrence County, IN's covered employment was 0.5% 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
- +0.5 % = 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
notetypical asking rent (rent.latest) and typical asking rent (rent.momPct) for Lawrence County, IN could not be lined up against the previous published period this run, so no change is printed for them.
Show the arithmetic
- not comparable this run: rent.latest, rent.momPct
the two newest month columns in the published file are not the two this table carries
noteLawrence County, IN's typical asking rent of $1,023 ranks 1,264th of 1,399 US counties, against a median of $1,496.
Period 2026-08.Show the arithmetic
- 10 on the 0-to-100 scale across 1399 US counties that published rent.latest
position among the entities that published this metric this period; not an official level
noteThe next Zillow ZHVI typical home value (monthly) covering Lawrence 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
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.