Miami County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.77, -86.04.
Assembled 2026-10-06. Read the brief.
- 21st pct · 2,405th of 3,063 US counties · median $234,566
- 8th pct · 84th of 92 Indiana counties · median $234,055
- 90th pct · 277th of 3,063 US counties · median +2.9%
- 94th pct · 6th of 92 Indiana counties · median +4.2%
- US counties: not published this period
- Indiana counties: not published this period
- 52nd pct · 1,533rd of 3,221 US counties · median 8,232
- 39th pct · 56th of 92 Indiana counties · median 12,958
- 51st pct · 1,572nd of 3,221 US counties · median $1,039
- 46th pct · 49th of 92 Indiana counties · median $1,045
- 20th pct · 2,431st of 3,063 US counties · median 4.3
- 12th pct · 81st 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 $164,880 (Aug 2026), +8.0% over one year, +35.5% over five
- 21st pct · 2,405th of 3,063 US counties · median $234,566
- 8th pct · 84th of 92 Indiana counties · median $234,055
| Item | Value | Distance |
|---|---|---|
| Miami County, IN | $164,880 · +8.0% 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 $903 a month on $164,880 at 7.28%, against an average weekly wage worth $4,520 a month: 20.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $164,880 × 80% = $131,904, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $903/mo principal and interest
- wage share = payment / (avg weekly wage $1,043 × 52 / 12 = $4,520) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $164,880 / ($1,043 × 52) = 3.0
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 #
9,005 jobs at 634 employers (2026 Q1); -0.8% jobs and +6.4% average weekly wage over the year
- 52nd pct · 1,533rd of 3,221 US counties · median 8,232
- 39th pct · 56th of 92 Indiana counties · median 12,958
| Item | Value | Distance |
|---|---|---|
| Miami County, IN | 9,005 jobs · $1,043/wk · -0.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,507 | $1,324 | 2.08 | +1.6% |
| Health care and social assistance | 1,184 | $988 | 0.87 | +3.2% |
| Retail trade | 856 | $689 | 0.98 | +0.8% |
| Accommodation and food services | 788 | $320 | 0.97 | -0.5% |
| Construction | 512 | $1,316 | 1.08 | -4.8% |
| Other services | 361 | $463 | 1.34 | +12.5% |
| Transportation and warehousing | 354 | $1,000 | 0.93 | -13.0% |
| Finance and insurance | 214 | $1,521 | 0.58 | +2.4% |
| Agriculture, forestry, fishing | 149 | $585 | 2.29 | -18.6% |
| Professional and technical services | 121 | $1,218 | 0.19 | -12.9% |
| Arts, entertainment and recreation | 69 | $1,189 | 0.47 | +7.8% |
| Mining, oil and gas | 63 | $1,111 | 1.96 | +16.7% |
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 #
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 |
|---|---|---|
| USGS-03350400 | 23,410 Acre-ft (USGS, no capacity on file) | 78 km |
| USGS-03351700 | 21,980 Acre-ft (USGS, no capacity on file) | 97 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 #
63 gauges · 0 flooding · 5 with quality panels averaging 100 % · 14 stale
Sites found: 63, 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-03327503 | flow 0.00 ft³/s · STALE | 1 km |
| USGS-03327500 | flow 4,180 ft³/s · no flooding | 3 km |
| USGS-03327507 | flow 3.70 ft³/s · STALE | 7 km |
| USGS-03327000 | stage 0.66 ft · quality 100 % (1) · no flooding | 9 km |
| Northern Indiana Lakes at Mississinewa Lake | no readings | 10 km |
| Eel River (IN) at Denver | observation not current | 10 km |
| USGS-03327520 | flow 58.0 ft³/s · STALE | 12 km |
| USGS-03327528 | flow 24.1 ft³/s | 16 km |
| USGS-03328430 | flow 5.80 ft³/s · STALE | 17 km |
| USGS-03328500 | flow 611.0 ft³/s · no flooding | 19 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 #
20 wells in 0 named aquifers:
Sites found: 20, 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-404606086023201 | depth 13.6 ft · 2025-05-12 | 1 km |
| USGS-404603086021801 | depth 9.75 ft · 2025-05-12 | 1 km |
| USGS-405829086175801 | depth 10.3 ft · 2026-10-04 | 31 km |
| USGS-403407086175701 | depth 6.79 ft · 2026-10-04 | 31 km |
| USGS-403948085414601 | depth 45.6 ft · 2025-06-11 | 32 km |
| USGS-403836085374401 | depth 117.6 ft · 2026-10-04 | 38 km |
| USGS-402322085481901 | depth 6.05 ft · 2026-10-05 | 47 km |
| USGS-405520085310801 | depth 101.8 ft · 2025-06-11 | 47 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.00 / 0.55
Banks & federal dollars #
$797.3 m in deposits at 9 offices of 7 banks (SOD June 2026); HHI 4,317, highly concentrated. $231.0 m federal obligations in FY2026 (direct payments $205.9 m, contracts $20.6 m), $25,653 per covered job
| Item | Value | Distance |
|---|---|---|
| First Farmers Bank & Trust Co. | $505.8 m · 63.4% share · 3 offices | |
| First Bank of Berne | $96.0 m · 12.0% share · 1 office | |
| PNC Bank, National Association | $61.8 m · 7.8% share · 1 office | |
| Miami, IN | $231.0 m FY2026 · $25,653/job | |
| MULTIPLE RECIPIENTS | $202.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Farmers Bank & Trust Co. | $505,773,000 | 63.4% | 3 |
| First Bank of Berne | $95,958,000 | 12.0% | 1 |
| PNC Bank, National Association | $61,803,000 | 7.8% | 1 |
| Flagstar Bank, National Association | $46,294,000 | 5.8% | 1 |
| First Merchants Bank | $43,139,000 | 5.4% | 1 |
| Crossroads Bank | $39,350,000 | 4.9% | 1 |
| Logansport Savings Bank | $4,991,000 | 0.6% | 1 |
Deposit concentration is 4,317 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 = 63.4² + 12.0² + 7.8² + … (4 more) = 4,317
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 | $165,695,808 |
| Department of Veterans Affairs | $30,293,120 |
| Department of Defense | $20,578,383 |
| Railroad Retirement Board | $6,703,648 |
| Department of Transportation | $4,121,875 |
| Department of Agriculture | $2,228,400 |
| Department of Housing and Urban Development | $567,615 |
| Federal Communications Commission | $512,683 |
| Department of Health and Human Services | $300,000 |
That is $25,653 per covered job, against 9,005 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $231.0 m / 9,005 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $25,653
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 #
Miami County, IN: 8 findings, 1 at a watch level and 7 noted
watchMiami County, IN's covered employment is -0.8% 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 = -0.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteMiami County, IN's average weekly wage was 6.4% 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
- +6.4 % = 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
noteMiami County, IN's covered employment was 0.8% 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
- -0.8 % = 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
noteMiami County, IN's typical home value rose 0.5% from $164,030 in July 2026 to $164,880 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.5% = (164880.27125262684 - 164030.1116179521) / 164030.1116179521 × 100
- 164880.27125262684 = Zillow ZHVI, 2026-08
- 164030.1116179521 = Zillow ZHVI, 2026-07
noteMiami County, IN's typical home value of +8.0% ranks 6th of 92 Indiana counties, against a median of +4.2%.
Period 2026-08.Show the arithmetic
- 95 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 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.