Steuben County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.64, -85.00.
Assembled 2026-10-06. Read the brief.
- 74th pct · 773rd of 3,063 US counties · median $234,566
- 91st pct · 9th of 92 Indiana counties · median $234,055
- 84th pct · 484th of 3,063 US counties · median +2.9%
- 84th pct · 15th of 92 Indiana counties · median +4.2%
- US counties: not published this period
- Indiana counties: not published this period
- 66th pct · 1,081st of 3,221 US counties · median 8,232
- 62nd pct · 35th of 92 Indiana counties · median 12,958
- 36th pct · 2,051st of 3,221 US counties · median $1,039
- 23rd pct · 70th of 92 Indiana counties · median $1,045
- 82nd pct · 524th of 3,063 US counties · median 4.3
- 95th pct · 5th 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 $324,294 (Aug 2026), +6.7% over one year, +29.0% over five
- 74th pct · 773rd of 3,063 US counties · median $234,566
- 91st pct · 9th of 92 Indiana counties · median $234,055
| Item | Value | Distance |
|---|---|---|
| Steuben County, IN | $324,294 · +6.7% 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 $1,775 a month on $324,294 at 7.28%, against an average weekly wage worth $4,234 a month: 41.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $324,294 × 80% = $259,435, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,775/mo principal and interest
- wage share = payment / (avg weekly wage $977 × 52 / 12 = $4,234) = 42% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $324,294 / ($977 × 52) = 6.4
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 #
16,055 jobs at 1,061 employers (2026 Q1); +0.6% jobs and +2.8% average weekly wage over the year
- 66th pct · 1,081st of 3,221 US counties · median 8,232
- 62nd pct · 35th of 92 Indiana counties · median 12,958
| Item | Value | Distance |
|---|---|---|
| Steuben County, IN | 16,055 jobs · $977/wk · +0.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 5,164 | $1,105 | 4.00 | +2.8% |
| Retail trade | 1,951 | $597 | 1.25 | -2.3% |
| Accommodation and food services | 1,245 | $363 | 0.86 | -2.3% |
| Transportation and warehousing | 630 | $1,711 | 0.93 | -5.4% |
| Administrative and waste services | 620 | $883 | 0.68 | -7.3% |
| Construction | 547 | $1,113 | 0.65 | +3.8% |
| Other services | 496 | $837 | 1.03 | +1.2% |
| Wholesale trade | 463 | $1,369 | 0.75 | +0.0% |
| Finance and insurance | 176 | $1,450 | 0.27 | +4.8% |
| Utilities | 105 | $2,710 | 1.66 | +0.0% |
| Information | 96 | $1,969 | 0.32 | -5.0% |
| Arts, entertainment and recreation | 96 | $427 | 0.36 | +6.7% |
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 #
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 #
92 gauges · 0 flooding · 17 with quality panels averaging 98 % · 24 stale
Sites found: 92, 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-04099510 | flow 89.5 ft³/s · no flooding | 9 km |
| USGS-04177700 | stage 8.57 ft | 14 km |
| USGS-04177720 | flow 11.8 ft³/s · no flooding | 15 km |
| USGS-04177810 | flow 99.0 ft³/s · STALE | 25 km |
| USGS-04097528 | flow 51.1 ft³/s · STALE | 27 km |
| USGS-04177266 | flow 74.4 ft³/s | 28 km |
| USGS-040975299 | flow 26.5 ft³/s | 31 km |
| USGS-04179520 | flow 32.4 ft³/s · no flooding | 32 km |
| USGS-04177347 | stage 6.57 ft | 33 km |
| St. Joseph River (OH/IN) at Montpelier | no flooding | 33 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 #
48 wells in 1 named aquifer: Sand and gravel aquifers (glaciated regions)
Sites found: 48, 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-413754084540601 | depth 22.3 ft · 2025-05-19 | 8 km |
| USGS-413754084540602 | depth 35.0 ft · 2025-05-19 | 8 km |
| USGS-414325084552401 | depth 36.5 ft · 2025-05-19 | 11 km |
| USGS-413141084544201 | depth 9.73 ft · 2025-05-19 | 15 km |
| Sand and gravel aquifers (glaciated regions) | depth 10.8 ft · 2026-04-01 | 21 km |
| USGS-413812084444601 | depth 44.3 ft · 2026-10-05 | 21 km |
| USGS-413812084444602 | depth 45.4 ft · 2026-10-05 | 21 km |
| USGS-412803084480401 | depth 26.7 ft · 2026-10-05 | 26 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 #
$934.1 m in deposits at 11 offices of 9 banks (SOD June 2026); HHI 2,549, highly concentrated. $252.5 m federal obligations in FY2026 (direct payments $244.5 m, grants $6.3 m), $15,727 per covered job
| Item | Value | Distance |
|---|---|---|
| Farmers State Bank | $425.8 m · 45.6% share · 3 offices | |
| First Federal Savings Bank of Angola | $103.5 m · 11.1% share · 1 office | |
| Flagstar Bank, National Association | $90.2 m · 9.7% share · 1 office | |
| Steuben, IN | $252.5 m FY2026 · $15,727/job | |
| MULTIPLE RECIPIENTS | $235.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Farmers State Bank | $425,775,000 | 45.6% | 3 |
| First Federal Savings Bank of Angola | $103,541,000 | 11.1% | 1 |
| Flagstar Bank, National Association | $90,229,000 | 9.7% | 1 |
| Fifth Third Bank, National Association | $83,376,000 | 8.9% | 1 |
| The Farmers & Merchants State Bank | $83,373,000 | 8.9% | 1 |
| KeyBank National Association | $73,436,000 | 7.9% | 1 |
| STAR Financial Bank | $51,975,000 | 5.6% | 1 |
| The State Bank and Trust Company | $11,386,000 | 1.2% | 1 |
| The Campbell & Fetter Bank | $11,028,000 | 1.2% | 1 |
Deposit concentration is 2,549 across 9 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 45.6² + 11.1² + 9.7² + … (6 more) = 2,549
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 | $213,940,579 |
| Department of Veterans Affairs | $19,335,783 |
| Department of Education | $5,763,844 |
| Department of Transportation | $5,454,740 |
| Department of Agriculture | $3,511,685 |
| Railroad Retirement Board | $2,110,893 |
| Department of Housing and Urban Development | $1,185,029 |
| Department of Defense | $451,500 |
| Federal Communications Commission | $341,524 |
| Department of the Interior | $273,344 |
| Department of Health and Human Services | $124,854 |
That is $15,727 per covered job, against 16,055 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $252.5 m / 16,055 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,727
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 #
Steuben County, IN: 6 findings, 6 noted
noteSteuben County, IN's average weekly wage was 2.8% 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
- +2.8 % = 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
noteSteuben County, IN's typical home value rose 0.7% from $322,113 in July 2026 to $324,294 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.7% = (324294.0777118629 - 322112.94425101095) / 322112.94425101095 × 100
- 324294.0777118629 = Zillow ZHVI, 2026-08
- 322112.94425101095 = Zillow ZHVI, 2026-07
noteSteuben County, IN's covered employment was 0.6% 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
- +0.6 % = 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
noteSteuben County, IN's years of wages of 6.4 ranks 5th of 92 Indiana counties, against a median of 4.2.
Period 2026-08.Show the arithmetic
- 96 on the 0-to-100 scale across 92 Indiana counties that published yearsOfWages
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
noteSteuben County, IN's typical home value of $324,294 ranks 9th of 92 Indiana counties, against a median of $234,055.
Period 2026-08.Show the arithmetic
- 91 on the 0-to-100 scale across 92 Indiana counties that published home.latest
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.