Ripley County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.10, -85.26.
Assembled 2026-10-07. Read the brief.
- 65th pct · 1,060th of 3,063 US counties · median $234,566
- 79th pct · 20th of 92 Indiana counties · median $234,055
- 75th pct · 736th of 3,063 US counties · median +2.9%
- 69th pct · 29th of 92 Indiana counties · median +4.2%
- US counties: not published this period
- Indiana counties: not published this period
- 56th pct · 1,407th of 3,221 US counties · median 8,232
- 41st pct · 54th of 92 Indiana counties · median 12,958
- 52nd pct · 1,540th of 3,221 US counties · median $1,039
- 51st pct · 45th of 92 Indiana counties · median $1,045
- 67th pct · 996th of 3,063 US counties · median 4.3
- 82nd pct · 17th 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 $283,397 (Aug 2026), +5.4% over one year, +27.6% over five
- 65th pct · 1,060th of 3,063 US counties · median $234,566
- 79th pct · 20th of 92 Indiana counties · median $234,055
| Item | Value | Distance |
|---|---|---|
| Ripley County, IN | $283,397 · +5.4% 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 $1,551 a month on $283,397 at 7.28%, against an average weekly wage worth $4,541 a month: 34.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $283,397 × 80% = $226,718, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,551/mo principal and interest
- wage share = payment / (avg weekly wage $1,048 × 52 / 12 = $4,541) = 34% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $283,397 / ($1,048 × 52) = 5.2
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 #
10,690 jobs at 821 employers (2026 Q1); -3.3% jobs and +0.5% average weekly wage over the year
- 56th pct · 1,407th of 3,221 US counties · median 8,232
- 41st pct · 54th of 92 Indiana counties · median 12,958
| Item | Value | Distance |
|---|---|---|
| Ripley County, IN | 10,690 jobs · $1,048/wk · -3.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,930 | $1,424 | 2.24 | -2.4% |
| Health care and social assistance | 1,675 | $1,065 | 1.04 | -3.8% |
| Transportation and warehousing | 1,293 | $989 | 2.87 | -17.3% |
| Retail trade | 1,017 | $686 | 0.98 | +4.7% |
| Accommodation and food services | 720 | $333 | 0.75 | +2.0% |
| Construction | 526 | $1,050 | 0.94 | +9.8% |
| Finance and insurance | 391 | $1,578 | 0.90 | +5.4% |
| Other services | 374 | $622 | 1.17 | +1.9% |
| Administrative and waste services | 291 | $892 | 0.48 | -9.1% |
| Professional and technical services | 223 | $1,308 | 0.30 | -1.3% |
| Wholesale trade | 180 | $1,277 | 0.44 | -5.8% |
| Management of companies | 165 | $2,515 | 0.92 | -38.2% |
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 |
|---|---|---|
| GEIST RESERVOIR AT INDIANAPOLIS, IN | 21,980 Acre-ft (USGS, no capacity on file) | 109 km |
| MORSE RESERVOIR AT NOBLESVILLE, IN | 23,410 Acre-ft (USGS, no capacity on file) | 128 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 #
75 gauges · 0 flooding · 8 with quality panels averaging 90 % · 24 stale
Sites found: 75, 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 |
|---|---|---|
| W Fk Mill Creek at Hille Park at Cincinnati OH | flow 0.71 ft³/s · quality 70 % (5) · STALE | 62 km |
| BRUSH CREEK NEAR NEBRASKA, IN | flow 0.18 ft³/s | 20 km |
| SOUTH HOGAN CREEK NEAR DILLSBORO, IND. | flow 4.90 ft³/s · STALE | 21 km |
| INDIAN-KENTUCK CREEK NEAR CANAAN, IN | flow 0.12 ft³/s | 25 km |
| VERNON FORK MUSCATATUCK RIVER NR BUTLERVILLE, IN | flow 70.0 ft³/s · STALE | 25 km |
| VERNON FORK MUSCATATUCK RIVER AT VERNON, IN | stage 2.63 ft | 34 km |
| TANNERS CREEK AT LAWRENCEBURG, IN | stage 32.1 ft | 34 km |
| WOOLPER CREEK AT WOOLPER ROAD NEAR BURLINGTON, KY | flow 0.41 ft³/s | 40 km |
| WHITEWATER RIVER AT BROOKVILLE, IN | flow 633.0 ft³/s | 40 km |
| HARBERTS CREEK NEAR MADISON, IN | flow 2.60 ft³/s · STALE | 40 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 #
39 wells in 1 named aquifer: Sand and gravel aquifers (glaciated regions)
Sites found: 39, 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-384949085251901 | depth 8.14 ft · 2026-10-05 | 33 km |
| USGS-385601085365701 | depth 38.5 ft · 2025-06-16 | 36 km |
| USGS-390653084485700 | depth 52.8 ft · 1982-08-25 | 38 km |
| USGS-392022085371801 | depth 7.13 ft · 2026-10-05 | 41 km |
| USGS-392527085005201 | depth 21.2 ft · 2025-03-20 | 42 km |
| USGS-391518084485201 | depth 19.8 ft · 2006-09-29 | 42 km |
| Sand and gravel aquifers (glaciated regions) | depth 22.6 ft · 2026-10-06 | 43 km |
| Sand and gravel aquifers (glaciated regions) | depth 17.9 ft · 2026-07-26 | 56 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 (0.04)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.10 / 0.55
Banks & federal dollars #
$872.1 m in deposits at 13 offices of 7 banks (SOD June 2026); HHI 1,785, moderately concentrated. $178.4 m federal obligations in FY2026 (direct payments $173.7 m, grants $3.9 m), $16,693 per covered job
| Item | Value | Distance |
|---|---|---|
| The Napoleon State Bank | $250.3 m · 28.7% share · 4 offices | |
| Fifth Third Bank, National Association | $144.3 m · 16.5% share · 1 office | |
| The Friendship State Bank | $141.8 m · 16.3% share · 2 offices | |
| Ripley, IN | $178.4 m FY2026 · $16,693/job | |
| MULTIPLE RECIPIENTS | $170.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Napoleon State Bank | $250,262,000 | 28.7% | 4 |
| Fifth Third Bank, National Association | $144,268,000 | 16.5% | 1 |
| The Friendship State Bank | $141,809,000 | 16.3% | 2 |
| Civista Bank | $125,701,000 | 14.4% | 3 |
| FCN Bank, National Association | $99,803,000 | 11.4% | 1 |
| PNC Bank, National Association | $67,986,000 | 7.8% | 1 |
| First Financial Bank | $42,247,000 | 4.8% | 1 |
Deposit concentration is 1,785 across 7 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 28.7² + 16.5² + 16.3² + … (4 more) = 1,785
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 | $152,196,016 |
| Department of Veterans Affairs | $18,573,701 |
| Department of Transportation | $3,147,393 |
| Department of Agriculture | $2,577,664 |
| Department of Justice | $759,526 |
| Railroad Retirement Board | $619,611 |
| Department of Housing and Urban Development | $448,239 |
| Department of Education | $76,965 |
| Federal Communications Commission | $47,314 |
| Small Business Administration | $0 |
That is $16,693 per covered job, against 10,690 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $178.4 m / 10,690 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,693
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 #
Ripley County, IN: 7 findings, 1 at an alert level, 1 at a watch level and 5 noted
alertRipley County, IN's covered employment is -3.3% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, 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 = -3.3 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchRipley County, IN's covered employment is -3.3% 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 = -3.3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteRipley County, IN's covered employment was 3.3% 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
- -3.3 % = 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
noteRipley County, IN's average weekly wage 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
noteRipley County, IN's typical home value rose 0.4% from $282,366 in July 2026 to $283,397 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.4% = (283397.4722140486 - 282366.3815833092) / 282366.3815833092 × 100
- 283397.4722140486 = Zillow ZHVI, 2026-08
- 282366.3815833092 = Zillow ZHVI, 2026-07
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.