Scott County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.68, -85.75.
Assembled 2026-10-06. Read the brief.
- 38th pct · 1,873rd of 3,063 US counties · median $234,566
- 30th pct · 64th of 92 Indiana counties · median $234,055
- 40th pct · 1,811th of 3,063 US counties · median +2.9%
- 17th pct · 76th of 92 Indiana counties · median +4.2%
- US counties: not published this period
- Indiana counties: not published this period
- 50th pct · 1,585th of 3,221 US counties · median 8,232
- 37th pct · 58th of 92 Indiana counties · median 12,958
- 37th pct · 1,998th of 3,221 US counties · median $1,039
- 27th pct · 67th of 92 Indiana counties · median $1,045
- 44th pct · 1,709th of 3,063 US counties · median 4.3
- 41st pct · 54th 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 $205,147 (Aug 2026), +2.2% over one year, +26.8% over five
- 38th pct · 1,873rd of 3,063 US counties · median $234,566
- 30th pct · 64th of 92 Indiana counties · median $234,055
| Item | Value | Distance |
|---|---|---|
| Scott County, IN | $205,147 · +2.2% 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 $1,123 a month on $205,147 at 7.28%, against an average weekly wage worth $4,268 a month: 26.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $205,147 × 80% = $164,118, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,123/mo principal and interest
- wage share = payment / (avg weekly wage $985 × 52 / 12 = $4,268) = 26% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $205,147 / ($985 × 52) = 4.0
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 #
8,458 jobs at 437 employers (2026 Q1); +2.9% jobs and -0.7% average weekly wage over the year
- 50th pct · 1,585th of 3,221 US counties · median 8,232
- 37th pct · 58th of 92 Indiana counties · median 12,958
| Item | Value | Distance |
|---|---|---|
| Scott County, IN | 8,458 jobs · $985/wk · +2.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,877 | $1,508 | 4.23 | +3.6% |
| Accommodation and food services | 1,034 | $395 | 1.36 | +6.4% |
| Retail trade | 974 | $635 | 1.18 | -3.3% |
| Construction | 189 | $857 | 0.43 | +5.6% |
| Other services | 184 | $904 | 0.73 | -2.6% |
| Finance and insurance | 139 | $1,763 | 0.40 | +13.9% |
| Professional and technical services | 129 | $968 | 0.22 | +14.2% |
| Administrative and waste services | 121 | $553 | 0.25 | +15.2% |
| Transportation and warehousing | 52 | $1,535 | 0.15 | +6.1% |
| Real estate and rental | 36 | $757 | 0.28 | -14.3% |
| Information | 30 | $535 | 0.19 | +3.4% |
| Arts, entertainment and recreation | 22 | $494 | 0.16 | +15.8% |
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 |
|---|---|---|
| GEIST RESERVOIR AT INDIANAPOLIS, IN | 21,970 Acre-ft (USGS, no capacity on file) | 138 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 #
81 gauges · 0 flooding · 32 with quality panels averaging 97 % · 19 stale
Sites found: 81, 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 |
|---|---|---|
| MUSCATATUCK RIVER NEAR DEPUTY, IN | stage 3.06 ft · no flooding | 15 km |
| HARBERTS CREEK NEAR MADISON, IN | flow 2.60 ft³/s · STALE | 26 km |
| Ohio River at Clifty Creek | no flooding | 30 km |
| WEST FORK BLUE RIVER AT SALEM, IN | flow 0.88 ft³/s | 31 km |
| VON FANGE DITCH AT SEYMOUR, IN | flow 0.00 ft³/s · STALE | 33 km |
| OHIO RIVER AT MADISON, IN | stage 13.2 ft | 34 km |
| SILVER CREEK NEAR SELLERSBURG, IN | flow 3.67 ft³/s | 34 km |
| VERNON FORK MUSCATATUCK RIVER AT VERNON, IN | stage 2.60 ft · no flooding | 35 km |
| EAST FORK WHITE RIVER AT SEYMOUR, IN | flow 1,200 ft³/s · no flooding | 36 km |
| Muscatatuck River at Wheeler Hollow | out of service | 36 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 #
53 wells in 0 named aquifers:
Sites found: 53, 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-383403085352601 | depth 44.1 ft · 2026-06-24 | 19 km |
| USGS-385601085365701 | depth 38.5 ft · 2025-06-16 | 31 km |
| USGS-384949085251901 | depth 8.14 ft · 2026-10-05 | 33 km |
| USGS-382305085381701 | depth 38.8 ft · 2026-06-24 | 34 km |
| USGS-385542086005601 | depth 8.43 ft · 2025-01-28 | 36 km |
| USGS-382156085382401 | depth 35.5 ft · 2026-10-05 | 36 km |
| USGS-382105085375101 | depth 27.2 ft · 2026-05-17 | 38 km |
| USGS-382102085380701 | depth 13.4 ft · 2011-01-25 | 38 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 + 0.2×0.03 / 0.55
Banks & federal dollars #
$382.1 m in deposits at 6 offices of 5 banks (SOD June 2026); HHI 2,559, highly concentrated. $230.1 m federal obligations in FY2026 (direct payments $150.2 m, grants $51.1 m), $27,206 per covered job
| Item | Value | Distance |
|---|---|---|
| WesBanco Bank, Inc. | $151.7 m · 39.7% share · 2 offices | |
| The New Washington State Bank | $77.3 m · 20.2% share · 1 office | |
| Scottsburg Building and Loan Association | $61.1 m · 16.0% share · 1 office | |
| Scott, IN | $230.1 m FY2026 · $27,206/job | |
| MULTIPLE RECIPIENTS | $149.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| WesBanco Bank, Inc. | $151,653,000 | 39.7% | 2 |
| The New Washington State Bank | $77,268,000 | 20.2% | 1 |
| Scottsburg Building and Loan Association | $61,056,000 | 16.0% | 1 |
| JPMorgan Chase Bank, National Association | $60,625,000 | 15.9% | 1 |
| Stock Yards Bank & Trust Company | $31,495,000 | 8.2% | 1 |
Deposit concentration is 2,559 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 39.7² + 20.2² + 16.0² + … (2 more) = 2,559
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 | $131,579,646 |
| Department of Transportation | $51,130,942 |
| Department of Agriculture | $25,674,662 |
| Department of Veterans Affairs | $17,462,339 |
| Department of Defense | $3,391,246 |
| Railroad Retirement Board | $496,190 |
| Department of Housing and Urban Development | $326,719 |
| Department of Health and Human Services | $50,000 |
| Small Business Administration | $0 |
| Department of the Interior | $0 |
That is $27,206 per covered job, against 8,458 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $230.1 m / 8,458 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $27,206
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 #
Scott County, IN: 6 findings, 1 at a watch level and 5 noted
watchScott County, IN's average weekly wage is -0.7% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; 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.avgWeeklyWage = -0.7 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteScott County, IN's covered employment was 2.9% 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
- +2.9 % = 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
noteScott County, IN's average weekly wage was 0.7% 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
- -0.7 % = 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
noteScott County, IN's typical home value fell 0.5% from $206,132 in July 2026 to $205,147 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.5% = (205147.36984087396 - 206131.7236806467) / 206131.7236806467 × 100
- 205147.36984087396 = Zillow ZHVI, 2026-08
- 206131.7236806467 = Zillow ZHVI, 2026-07
noteScott County, IN's covered employment of +2.9% ranks 10th of 92 Indiana counties, against a median of -0.8%.
Period 2026 Q1.Show the arithmetic
- 90 on the 0-to-100 scale across 92 Indiana counties that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
Read all 6 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.