Randolph County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.16, -85.01.
Assembled 2026-10-07. Read the brief.
- 21st pct · 2,404th of 3,063 US counties · median $234,566
- 9th pct · 83rd of 92 Indiana counties · median $234,055
- 98th pct · 61st of 3,063 US counties · median +2.9%
- 100th pct · 1st of 92 Indiana counties · median +4.2%
- US counties: not published this period
- Indiana counties: not published this period
- 45th pct · 1,759th of 3,221 US counties · median 8,232
- 30th pct · 64th of 92 Indiana counties · median 12,958
- 59th pct · 1,301st of 3,221 US counties · median $1,039
- 58th pct · 39th of 92 Indiana counties · median $1,045
- 18th pct · 2,508th of 3,063 US counties · median 4.3
- 7th pct · 85th 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 $164,940 (Aug 2026), +12.0% over one year, +37.8% over five
- 21st pct · 2,404th of 3,063 US counties · median $234,566
- 9th pct · 83rd of 92 Indiana counties · median $234,055
| Item | Value | Distance |
|---|---|---|
| Randolph County, IN | $164,940 · +12.0% 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 $164,940 at 7.28%, against an average weekly wage worth $4,702 a month: 19.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $164,940 × 80% = $131,952, 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 $1,085 × 52 / 12 = $4,702) = 19% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $164,940 / ($1,085 × 52) = 2.9
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 #
6,859 jobs at 574 employers (2026 Q1); -1.6% jobs and +8.7% average weekly wage over the year
- 45th pct · 1,759th of 3,221 US counties · median 8,232
- 30th pct · 64th of 92 Indiana counties · median 12,958
| Item | Value | Distance |
|---|---|---|
| Randolph County, IN | 6,859 jobs · $1,085/wk · -1.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,417 | $1,372 | 2.57 | +3.1% |
| Construction | 892 | $2,201 | 2.48 | +7.9% |
| Retail trade | 639 | $550 | 0.96 | +0.5% |
| Accommodation and food services | 502 | $336 | 0.81 | -2.1% |
| Wholesale trade | 231 | $973 | 0.88 | +5.0% |
| Administrative and waste services | 229 | $1,029 | 0.59 | -29.3% |
| Finance and insurance | 113 | $1,709 | 0.40 | -7.4% |
| Arts, entertainment and recreation | 23 | $412 | 0.20 | -8.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Transportation and warehousing | 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 #
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-03351700 | 21,970 Acre-ft (USGS, no capacity on file) | 88 km |
| USGS-03350400 | 23,410 Acre-ft (USGS, no capacity on file) | 89 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 #
52 gauges · 0 flooding · 3 with quality panels averaging 100 % · 17 stale
Sites found: 52, 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-03325500 | flow 16.2 ft³/s · STALE | 13 km |
| USGS-03325519 | flow 26.9 ft³/s | 13 km |
| USGS-03325311 | flow 0.44 ft³/s · STALE | 15 km |
| USGS-03274650 | flow 0.13 ft³/s | 20 km |
| USGS-03324200 | flow 4.87 ft³/s | 29 km |
| USGS-03347500 | flow 56.0 ft³/s · STALE | 31 km |
| USGS-03347000 | flow 45.5 ft³/s | 33 km |
| USGS-03274750 | flow 57.0 ft³/s · STALE | 35 km |
| USGS-03275500 | flow 94.8 ft³/s · quality 100 % (5) | 41 km |
| USGS-03347598 | flow 32.4 ft³/s | 41 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 #
21 wells in 0 named aquifers:
Sites found: 21, 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-401532085085301 | depth 13.1 ft · 2026-10-06 | 16 km |
| USGS-400541085213701 | depth 47.1 ft · 2026-10-05 | 31 km |
| USGS-395713085202901 | depth 21.8 ft · 2007-03-23 | 37 km |
| OH015-400514084345700 | depth 40.9 ft · 2026-10-06 | 37 km |
| OH015-402833084375200 | depth 73.0 ft · 2026-07-06 | 47 km |
| USGS-394426085080601 | depth 12.9 ft · 2026-10-05 | 48 km |
| USGS-401308085394101 | depth 5.82 ft · 2026-06-23 | 56 km |
| USGS-400641085413701 | depth 15.7 ft · 2026-10-05 | 59 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 #
$673.1 m in deposits at 9 offices of 8 banks (SOD June 2026); HHI 1,942, highly concentrated. $2.8 m federal obligations in FY2026 (grants $3.0 m, loans $17,629), $403 per covered job
| Item | Value | Distance |
|---|---|---|
| Merchants Bank of Indiana | $210.3 m · 31.2% share · 2 offices | |
| Old National Bank | $141.4 m · 21.0% share · 1 office | |
| First Merchants Bank | $117.4 m · 17.4% share · 1 office | |
| Randolph, IN | $2.8 m FY2026 · $403/job | |
| MULTIPLE RECIPIENTS | $148.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Merchants Bank of Indiana | $210,314,000 | 31.2% | 2 |
| Old National Bank | $141,450,000 | 21.0% | 1 |
| First Merchants Bank | $117,393,000 | 17.4% | 1 |
| First Financial Bank | $69,006,000 | 10.3% | 1 |
| Northwest Bank | $48,405,000 | 7.2% | 1 |
| Citizens State Bank of New Castle, Indiana | $43,749,000 | 6.5% | 1 |
| The Farmers State Bank | $25,075,000 | 3.7% | 1 |
| Greenville National Bank | $17,684,000 | 2.6% | 1 |
Deposit concentration is 1,942 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 31.2² + 21.0² + 17.4² + … (5 more) = 1,942
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 | $136,256,223 |
| Department of Veterans Affairs | $11,721,509 |
| Department of Agriculture | $4,215,691 |
| Department of Transportation | $2,301,478 |
| Department of Housing and Urban Development | $1,095,104 |
| Railroad Retirement Board | $748,653 |
| Federal Communications Commission | $111,436 |
| Department of Education | $35,049 |
| Small Business Administration | $0 |
| Department of the Interior | $0 |
That is $403 per covered job, against 6,859 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $2.8 m / 6,859 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $403
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 #
Randolph County, IN: 10 findings, 1 at a watch level and 9 noted
watchRandolph County, IN's covered employment is -1.6% 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 = -1.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteRandolph County, IN's average weekly wage was 8.7% 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
- +8.7 % = 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
noteRandolph County, IN's covered employment was 1.6% 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
- -1.6 % = 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
noteRandolph County, IN's typical home value rose 0.3% from $164,463 in July 2026 to $164,940 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (164940.14988137383 - 164463.24869048546) / 164463.24869048546 × 100
- 164940.14988137383 = Zillow ZHVI, 2026-08
- 164463.24869048546 = Zillow ZHVI, 2026-07
noteRandolph County, IN's typical home value of +12.0% ranks 1st of 92 Indiana counties, against a median of +4.2%.
Period 2026-08.Show the arithmetic
- 100 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 10 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.