Marshall County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.33, -86.27.
Assembled 2026-10-06. Read the brief.
- 61st pct · 1,173rd of 3,063 US counties · median $234,566
- 73rd pct · 25th of 92 Indiana counties · median $234,055
- 87th pct · 383rd of 3,063 US counties · median +2.9%
- 90th pct · 10th of 92 Indiana counties · median +4.2%
- 19th pct · 1,132nd of 1,399 US counties · median $1,496
- 47th pct · 20th of 37 Indiana counties · median $1,174
- 70th pct · 946th of 3,221 US counties · median 8,232
- 68th pct · 30th of 92 Indiana counties · median 12,958
- 56th pct · 1,389th of 3,221 US counties · median $1,039
- 53rd pct · 43rd of 92 Indiana counties · median $1,045
- 61st pct · 1,182nd of 3,063 US counties · median 4.3
- 71st pct · 27th 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 $269,685 (Aug 2026), +7.3% over one year, +35.5% over five
- 61st pct · 1,173rd of 3,063 US counties · median $234,566
- 73rd pct · 25th of 92 Indiana counties · median $234,055
| Item | Value | Distance |
|---|---|---|
| Marshall County, IN | $269,685 · +7.3% 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 $1,162/mo (Aug 2026), n/a over one year; price-to-rent 19.3
- 19th pct · 1,132nd of 1,399 US counties · median $1,496
- 47th pct · 20th of 37 Indiana counties · median $1,174
| Item | Value | Distance |
|---|---|---|
| Marshall County, IN | $1,162/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 $1,476 a month on $269,685 at 7.28%, against an average weekly wage worth $4,641 a month: 31.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $269,685 × 80% = $215,748, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,476/mo principal and interest
- wage share = payment / (avg weekly wage $1,071 × 52 / 12 = $4,641) = 32% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $269,685 / ($1,071 × 52) = 4.8
- price-to-rent = $269,685 / ($1,162 × 12) = 19.3
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 #
19,436 jobs at 1,178 employers (2026 Q1); +0.7% jobs and +4.0% average weekly wage over the year
- 70th pct · 946th of 3,221 US counties · median 8,232
- 68th pct · 30th of 92 Indiana counties · median 12,958
| Item | Value | Distance |
|---|---|---|
| Marshall County, IN | 19,436 jobs · $1,071/wk · +0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 7,590 | $1,289 | 4.85 | +3.8% |
| Retail trade | 1,909 | $631 | 1.01 | -6.6% |
| Health care and social assistance | 1,805 | $992 | 0.62 | -4.3% |
| Accommodation and food services | 1,386 | $346 | 0.79 | +7.6% |
| Administrative and waste services | 826 | $889 | 0.75 | +25.3% |
| Other services | 740 | $1,026 | 1.27 | +12.3% |
| Educational services | 640 | $1,000 | 1.53 | -2.3% |
| Construction | 588 | $1,119 | 0.58 | -8.1% |
| Wholesale trade | 424 | $2,092 | 0.57 | +12.8% |
| Finance and insurance | 357 | $1,679 | 0.45 | -4.0% |
| Real estate and rental | 165 | $835 | 0.55 | +9.3% |
| Utilities | 112 | $3,189 | 1.46 | +6.7% |
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.
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 #
1 USGS reservoir gauges, no capacity figures to weight
Sites found: 1, 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 |
|---|---|---|
| USGS-03350400 | 23,410 Acre-ft (USGS, no capacity on file) | 140 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 #
68 gauges · 0 flooding · 12 with quality panels averaging 94 % · 18 stale
Sites found: 68, 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-412354086421001 | DO 0.00 mg/l · quality 75 % (4) | 37 km |
| USGS-412354086421002 | DO 0.00 mg/l · quality 67 % (3) | 37 km |
| USGS-05516500 | flow 319.0 ft³/s · quality 100 % (2) · no flooding | 3 km |
| USGS-05516200 | stage 2.94 ft · STALE | 11 km |
| Yellow River near Bremen | no readings | 17 km |
| USGS-05516665 | flow 495.0 ft³/s · quality 100 % (2) | 18 km |
| USGS-03331440 | stage 3.59 ft | 19 km |
| USGS-03331224 | flow 0.83 ft³/s · STALE | 22 km |
| USGS-05517000 | flow 653.0 ft³/s · quality 100 % (2) · no flooding | 29 km |
| USGS-03331500 | flow 1,020 ft³/s · no flooding | 31 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 #
27 wells in 0 named aquifers:
Sites found: 27, 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-412012085594301 | depth 26.9 ft · 2024-11-18 | 23 km |
| USGS-413139086341401 | depth 6.41 ft · 2025-05-05 | 34 km |
| USGS-410739086365201 | depth 8.00 ft · 2026-10-05 | 36 km |
| USGS-412353086420701 | level 672.6 ft · 2018-01-03 | 37 km |
| USGS-412354086421010 | level 672.5 ft · 2026-10-05 | 37 km |
| USGS-412354086421005 | level 673.0 ft · 2026-10-05 | 37 km |
| USGS-412354086421001 | level 672.2 ft · 2026-10-05 | 37 km |
| USGS-412354086421002 | level 672.4 ft · 2026-10-05 | 37 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 (0.02)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.06 / 0.55
Banks & federal dollars #
$1.1 bn in deposits at 16 offices of 9 banks (SOD June 2026); HHI 2,375, highly concentrated. $292.7 m federal obligations in FY2026 (direct payments $269.2 m, grants $19.0 m), $15,061 per covered job
| Item | Value | Distance |
|---|---|---|
| 1st Source Bank | $454.6 m · 42.1% share · 5 offices | |
| First Federal Savings Bank | $163.6 m · 15.1% share · 2 offices | |
| Lake City Bank | $150.3 m · 13.9% share · 3 offices | |
| Marshall, IN | $292.7 m FY2026 · $15,061/job | |
| MULTIPLE RECIPIENTS | $266.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| 1st Source Bank | $454,581,000 | 42.1% | 5 |
| First Federal Savings Bank | $163,578,000 | 15.1% | 2 |
| Lake City Bank | $150,250,000 | 13.9% | 3 |
| Centier Bank | $90,201,000 | 8.4% | 1 |
| First Merchants Bank | $69,688,000 | 6.5% | 1 |
| First Farmers Bank & Trust Co. | $68,873,000 | 6.4% | 1 |
| The First National Bank of Monterey | $45,118,000 | 4.2% | 1 |
| KeyBank National Association | $34,587,000 | 3.2% | 1 |
| Woodforest National Bank | $3,067,000 | 0.3% | 1 |
Deposit concentration is 2,375 across 9 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 42.1² + 15.1² + 13.9² + … (6 more) = 2,375
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 | $243,632,290 |
| Department of Veterans Affairs | $20,263,069 |
| Department of Transportation | $16,564,735 |
| Department of Defense | $4,377,743 |
| Department of Health and Human Services | $2,792,614 |
| Department of Agriculture | $1,989,559 |
| Railroad Retirement Board | $1,958,162 |
| Department of Housing and Urban Development | $1,046,168 |
| Federal Communications Commission | $56,993 |
| Department of Education | $30,132 |
| Department of Homeland Security | $12,149 |
| Small Business Administration | $0 |
That is $15,061 per covered job, against 19,436 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $292.7 m / 19,436 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,061
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 #
Marshall County, IN: 7 findings, 7 noted
noteMarshall County, IN's average weekly wage was 4.0% 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
- +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
noteMarshall County, IN's covered employment was 0.7% 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
- +0.7 % = 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
noteMarshall County, IN's typical home value rose 0.5% from $268,477 in July 2026 to $269,685 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.5% = (269685.19095003506 - 268476.7479767129) / 268476.7479767129 × 100
- 269685.19095003506 = Zillow ZHVI, 2026-08
- 268476.7479767129 = Zillow ZHVI, 2026-07
noteMarshall County, IN's typical asking rent fell 0.4% from $1,167 in July 2026 to $1,162 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -0.4% = (1161.6666666666667 - 1166.6251039084786) / 1166.6251039084786 × 100
- 1161.6666666666667 = Zillow ZORI, 2026-08
- 1166.6251039084786 = Zillow ZORI, 2026-07
noteMarshall County, IN's typical home value of +7.3% ranks 10th of 92 Indiana counties, against a median of +4.2%.
Period 2026-08.Show the arithmetic
- 90 on the 0-to-100 scale across 92 Indiana counties that published home.yoyPct
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.