Switzerland County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.83, -85.03.
Assembled 2026-10-06. Read the brief.
- 59th pct · 1,239th of 3,063 US counties · median $234,566
- 68th pct · 30th of 92 Indiana counties · median $234,055
- 86th pct · 411th of 3,063 US counties · median +2.9%
- 89th pct · 11th of 92 Indiana counties · median +4.2%
- US counties: not published this period
- Indiana counties: not published this period
- 12th pct · 2,828th of 3,221 US counties · median 8,232
- 1st pct · 91st of 92 Indiana counties · median 12,958
- 14th pct · 2,758th of 3,221 US counties · median $1,039
- 6th pct · 86th of 92 Indiana counties · median $1,045
- 76th pct · 722nd of 3,063 US counties · median 4.3
- 90th pct · 10th 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 $262,069 (Aug 2026), +7.1% over one year, +44.9% over five
- 59th pct · 1,239th of 3,063 US counties · median $234,566
- 68th pct · 30th of 92 Indiana counties · median $234,055
| Item | Value | Distance |
|---|---|---|
| Switzerland County, IN | $262,069 · +7.1% 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 $1,434 a month on $262,069 at 7.28%, against an average weekly wage worth $3,770 a month: 38.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $262,069 × 80% = $209,655, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,434/mo principal and interest
- wage share = payment / (avg weekly wage $870 × 52 / 12 = $3,770) = 38% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $262,069 / ($870 × 52) = 5.8
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 #
1,573 jobs at 151 employers (2026 Q1); -0.8% jobs and +6.2% average weekly wage over the year
- 12th pct · 2,828th of 3,221 US counties · median 8,232
- 1st pct · 91st of 92 Indiana counties · median 12,958
| Item | Value | Distance |
|---|---|---|
| Switzerland County, IN | 1,573 jobs · $870/wk · -0.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 130 | $454 | 0.85 | +4.0% |
| Manufacturing | 106 | $904 | 0.84 | -9.4% |
| Other services | 40 | $375 | 0.85 | -13.0% |
| Transportation and warehousing | 36 | $967 | 0.54 | +2.9% |
| Finance and insurance | 23 | $1,166 | 0.36 | +9.5% |
| Administrative and waste services | 12 | $668 | 0.13 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Construction | withheld | |||
| Wholesale trade | withheld | |||
| Real estate and rental | 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 #
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 | 21,980 Acre-ft (USGS, no capacity on file) | 145 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 #
78 gauges · 0 flooding · 14 with quality panels averaging 94 % · 26 stale
Sites found: 78, 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 | 55 km |
| OHIO RIVER AT MARKLAND DAM NEAR WARSAW, KY | flow 34,800 ft³/s · quality 100 % (4) · no flooding | 8 km |
| INDIAN-KENTUCK CREEK NEAR CANAAN, IN | flow 0.13 ft³/s | 21 km |
| KENTUCKY RIVER AT LOCK 1 NEAR CARROLLTON, KY | stage 8.76 ft | 21 km |
| EAGLE CREEK AT GLENCOE, KY | flow 0.04 ft³/s · no flooding | 22 km |
| SOUTH HOGAN CREEK NEAR DILLSBORO, IND. | flow 4.90 ft³/s · STALE | 23 km |
| MUD LICK CR AT HWY 42 NR BEAVERLICK, KY | flow 4.66 ft³/s | 27 km |
| WOOLPER CREEK AT WOOLPER ROAD NEAR BURLINGTON, KY | flow 0.49 ft³/s | 30 km |
| OHIO RIVER AT MADISON, IN | stage 13.2 ft | 32 km |
| GUNPOWDER CR AT CAMP ERNST RD NR UNION, KY | flow 1.72 ft³/s | 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 #
38 wells in 1 named aquifer: Sand and gravel aquifers (glaciated regions)
Sites found: 38, 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 8.13 ft · 2026-10-04 | 34 km |
| USGS-390653084485700 | depth 52.8 ft · 1982-08-25 | 37 km |
| Sand and gravel aquifers (glaciated regions) | depth 22.5 ft · 2026-10-05 | 47 km |
| USGS-390529084330701 | depth 58.5 ft · 2019-09-19 | 51 km |
| USGS-391518084485201 | depth 19.8 ft · 2006-09-29 | 51 km |
| USGS-385601085365701 | depth 38.5 ft · 2025-06-16 | 52 km |
| USGS-390438084310701 | depth 34.2 ft · 2018-08-02 | 52 km |
| USGS-390507084302101 | depth 47.6 ft · 2016-10-16 | 54 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 (0.02)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.06 / 0.55
Banks & federal dollars #
$130.1 m in deposits at 2 offices of 2 banks (SOD June 2026); HHI 5,024, highly concentrated. $58.4 m federal obligations in FY2026 (direct payments $53.8 m, grants $4.3 m), $37,107 per covered job
| Item | Value | Distance |
|---|---|---|
| First Financial Bank | $69.6 m · 53.5% share · 1 office | |
| The Friendship State Bank | $60.6 m · 46.5% share · 1 office | |
| Switzerland, IN | $58.4 m FY2026 · $37,107/job | |
| MULTIPLE RECIPIENTS | $53.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Financial Bank | $69,590,000 | 53.5% | 1 |
| The Friendship State Bank | $60,555,000 | 46.5% | 1 |
Deposit concentration is 5,024 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 = 53.5² + 46.5² = 5,024
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 | $48,223,757 |
| Department of Veterans Affairs | $4,895,052 |
| Department of Transportation | $3,859,459 |
| Department of Health and Human Services | $750,000 |
| Department of Agriculture | $565,535 |
| Railroad Retirement Board | $104,963 |
| Department of Defense | $20,660 |
| Department of the Treasury | -$50,000 |
That is $37,107 per covered job, against 1,573 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $58.4 m / 1,573 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $37,107
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 #
Switzerland County, IN: 8 findings, 1 at a watch level and 7 noted
watchSwitzerland County, IN's covered employment is -0.8% 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 = -0.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteSwitzerland County, IN's average weekly wage was 6.2% 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
- +6.2 % = 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
noteSwitzerland County, IN's covered employment was 0.8% 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
- -0.8 % = 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
noteSwitzerland County, IN's typical home value rose 0.7% from $260,150 in July 2026 to $262,069 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.7% = (262068.82251059182 - 260149.99937171853) / 260149.99937171853 × 100
- 262068.82251059182 = Zillow ZHVI, 2026-08
- 260149.99937171853 = Zillow ZHVI, 2026-07
noteSwitzerland County, IN's covered employment of 1,573 ranks 91st of 92 Indiana counties, against a median of 12,958.
Period 2026 Q1.Show the arithmetic
- 1 on the 0-to-100 scale across 92 Indiana counties that published jobs.emp
position among the entities that published this metric this period; not an official level
Read all 8 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.