Orange County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.55, -86.49.
Assembled 2026-10-06. Read the brief.
- 32nd pct · 2,075th of 3,063 US counties · median $234,566
- 17th pct · 76th of 92 Indiana counties · median $234,055
- 62nd pct · 1,155th of 3,063 US counties · median +2.9%
- 42nd pct · 53rd of 92 Indiana counties · median +4.2%
- US counties: not published this period
- Indiana counties: not published this period
- 47th pct · 1,702nd of 3,221 US counties · median 8,232
- 31st pct · 63rd of 92 Indiana counties · median 12,958
- 26th pct · 2,350th of 3,221 US counties · median $1,039
- 13th pct · 79th of 92 Indiana counties · median $1,045
- 41st pct · 1,802nd of 3,063 US counties · median 4.3
- 37th pct · 58th 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 $188,950 (Aug 2026), +4.1% over one year, +30.3% over five
- 32nd pct · 2,075th of 3,063 US counties · median $234,566
- 17th pct · 76th of 92 Indiana counties · median $234,055
| Item | Value | Distance |
|---|---|---|
| Orange County, IN | $188,950 · +4.1% 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 $1,034 a month on $188,950 at 7.28%, against an average weekly wage worth $4,069 a month: 25.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $188,950 × 80% = $151,160, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,034/mo principal and interest
- wage share = payment / (avg weekly wage $939 × 52 / 12 = $4,069) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $188,950 / ($939 × 52) = 3.9
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 #
7,366 jobs at 410 employers (2026 Q1); +0.8% jobs and +5.4% average weekly wage over the year
- 47th pct · 1,702nd of 3,221 US counties · median 8,232
- 31st pct · 63rd of 92 Indiana counties · median 12,958
| Item | Value | Distance |
|---|---|---|
| Orange County, IN | 7,366 jobs · $939/wk · +0.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 2,050 | $673 | 3.10 | -3.2% |
| Manufacturing | 1,040 | $876 | 1.76 | +2.2% |
| Construction | 844 | $1,710 | 2.19 | +3.7% |
| Retail trade | 624 | $616 | 0.87 | +2.3% |
| Wholesale trade | 145 | $942 | 0.51 | +11.5% |
| Other services | 132 | $598 | 0.60 | -1.5% |
| Professional and technical services | 102 | $1,008 | 0.20 | +5.2% |
| Finance and insurance | 101 | $1,313 | 0.34 | +7.4% |
| Arts, entertainment and recreation | 84 | $500 | 0.69 | -13.4% |
| Information | 26 | $604 | 0.19 | -18.8% |
| Real estate and rental | 19 | $601 | 0.17 | +0.0% |
| Agriculture, forestry, fishing | withheld |
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 #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
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 #
51 gauges · 0 flooding · 11 with quality panels averaging 98 % · 16 stale
Sites found: 51, 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 |
|---|---|---|
| LICK CREEK AT PAOLI, IN | flow 2.27 ft³/s | 2 km |
| LOST RIVER NEAR PROSPECT, IN | flow 42.4 ft³/s | 10 km |
| FRENCH LICK CREEK AT FRENCH LICK, IN | flow 1.43 ft³/s · STALE | 11 km |
| LOST RIVER NR. WEST BADEN SPRINGS, IND. | flow 34.0 ft³/s · STALE | 13 km |
| PATOKA RIVER NEAR HARDINSBURG, IND | flow 0.37 ft³/s · STALE | 14 km |
| LOST RIVER NEAR LEIPSIC, IN | flow 17.2 ft³/s · STALE | 15 km |
| PATOKA RIVER NEAR CUZCO, IN | stage 5.95 ft · quality 100 % (1) | 23 km |
| WHISKEY RUN AT MARENGO, IN | stage 1.53 ft | 23 km |
| EAST FORK WHITE RIVER NEAR BEDFORD, IN | flow 888.0 ft³/s | 26 km |
| BEAVER CREEK NEAR SHOALS, IN | flow 0.41 ft³/s | 26 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 #
15 wells in 0 named aquifers:
Sites found: 15, 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-383012086124501 | depth 74.0 ft · 2025-02-06 | 25 km |
| USGS-384745086354301 | depth 9.64 ft · 2018-03-12 | 29 km |
| USGS-383946086475701 | depth 23.0 ft · 2025-06-03 | 30 km |
| USGS-383655086504601 | depth 13.4 ft · 2018-04-16 | 32 km |
| USGS-383659086545901 | depth 26.3 ft · 2026-10-05 | 38 km |
| USGS-382323086044501 | depth 16.9 ft · 2026-10-05 | 40 km |
| USGS-385542086005601 | depth 8.43 ft · 2025-01-28 | 59 km |
| USGS-384047087142702 | depth 9.81 ft · 2025-06-03 | 67 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 (0.01)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.02 / 0.55
Banks & federal dollars #
$256.7 m in deposits at 3 offices of 2 banks (SOD June 2026); HHI 6,096, highly concentrated. $124.2 m federal obligations in FY2026 (direct payments $119.2 m, grants $5.0 m), $16,858 per covered job
| Item | Value | Distance |
|---|---|---|
| Springs Valley Bank & Trust Company | $188.4 m · 73.4% share · 2 offices | |
| Old National Bank | $68.3 m · 26.6% share · 1 office | |
| Orange, IN | $124.2 m FY2026 · $16,858/job | |
| MULTIPLE RECIPIENTS | $117.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Springs Valley Bank & Trust Company | $188,431,000 | 73.4% | 2 |
| Old National Bank | $68,260,000 | 26.6% | 1 |
Deposit concentration is 6,096 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 73.4² + 26.6² = 6,096
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 | $107,100,841 |
| Department of Veterans Affairs | $9,665,716 |
| Department of Transportation | $4,142,134 |
| Department of Agriculture | $1,354,738 |
| Department of Health and Human Services | $970,718 |
| Department of Housing and Urban Development | $524,257 |
| Railroad Retirement Board | $296,787 |
| Federal Communications Commission | $121,697 |
| Small Business Administration | $0 |
That is $16,858 per covered job, against 7,366 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $124.2 m / 7,366 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,858
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 | 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 #
Orange County, IN: 3 findings, 3 noted
noteOrange County, IN's average weekly wage was 5.4% 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
- +5.4 % = 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
noteOrange County, IN's covered employment was 0.8% 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
- +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
noteThe next Zillow ZHVI typical home value (monthly) covering Orange 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
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.