Vermillion County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.85, -87.46.
Assembled 2026-10-06. Read the brief.
- 10th pct · 2,734th of 3,063 US counties · median $234,566
- 0th pct · 92nd of 92 Indiana counties · median $234,055
- counties in the Terre Haute metro: Rank context is unavailable: the manifest lists 4 counties in the Terre Haute metro; fewer than 5 is too few to rank.
- 22nd pct · 2,370th of 3,063 US counties · median +2.9%
- 1st pct · 91st of 92 Indiana counties · median +4.2%
- counties in the Terre Haute metro: Rank context is unavailable: the manifest lists 4 counties in the Terre Haute metro; fewer than 5 is too few to rank.
- US counties: not published this period
- Indiana counties: not published this period
- counties in the Terre Haute metro: Rank context is unavailable: the manifest lists 4 counties in the Terre Haute metro; fewer than 5 is too few to rank.
- 36th pct · 2,031st of 3,221 US counties · median 8,232
- 16th pct · 77th of 92 Indiana counties · median 12,958
- counties in the Terre Haute metro: Rank context is unavailable: the manifest lists 4 counties in the Terre Haute metro; fewer than 5 is too few to rank.
- 87th pct · 396th of 3,221 US counties · median $1,039
- 92nd pct · 8th of 92 Indiana counties · median $1,045
- counties in the Terre Haute metro: Rank context is unavailable: the manifest lists 4 counties in the Terre Haute metro; fewer than 5 is too few to rank.
- 3rd pct · 2,958th of 3,063 US counties · median 4.3
- 0th pct · 92nd of 92 Indiana counties · median 4.2
- counties in the Terre Haute metro: Rank context is unavailable: the manifest lists 4 counties in the Terre Haute metro; fewer than 5 is too few to rank.
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 $135,992 (Aug 2026), +0.2% over one year, +17.6% over five
- 10th pct · 2,734th of 3,063 US counties · median $234,566
- 0th pct · 92nd of 92 Indiana counties · median $234,055
- counties in the Terre Haute metro: Rank context is unavailable: the manifest lists 4 counties in the Terre Haute metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Vermillion County, IN | $135,992 · +0.2% 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
- counties in the Terre Haute metro: Rank context is unavailable: the manifest lists 4 counties in the Terre Haute metro; fewer than 5 is too few to rank.
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 $744 a month on $135,992 at 7.28%, against an average weekly wage worth $5,859 a month: 12.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $135,992 × 80% = $108,794, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $744/mo principal and interest
- wage share = payment / (avg weekly wage $1,352 × 52 / 12 = $5,859) = 13% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $135,992 / ($1,352 × 52) = 1.9
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 #
4,958 jobs at 299 employers (2026 Q1); +14.1% jobs and +13.6% average weekly wage over the year
- 36th pct · 2,031st of 3,221 US counties · median 8,232
- 16th pct · 77th of 92 Indiana counties · median 12,958
- counties in the Terre Haute metro: Rank context is unavailable: the manifest lists 4 counties in the Terre Haute metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Vermillion County, IN | 4,958 jobs · $1,352/wk · +14.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Construction | 1,345 | $1,626 | 5.17 | +0.0% |
| Retail trade | 595 | $644 | 1.23 | +1.7% |
| Utilities | 134 | $2,853 | 6.84 | +0.8% |
| Transportation and warehousing | 89 | $1,054 | 0.43 | +6.0% |
| Wholesale trade | 79 | $1,197 | 0.42 | -11.2% |
| Administrative and waste services | 67 | $1,009 | 0.24 | -5.6% |
| Finance and insurance | 65 | $1,008 | 0.32 | +1.6% |
| Real estate and rental | 60 | $1,017 | 0.79 | +36.4% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Manufacturing | withheld | |||
| Information | 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-03350400 | 23,420 Acre-ft (USGS, no capacity on file) | 123 km |
| USGS-03351700 | 21,980 Acre-ft (USGS, no capacity on file) | 126 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 #
34 gauges · 0 flooding · 5 with quality panels averaging 98 % · 8 stale
Sites found: 34, 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-03340500 | flow 8,660 ft³/s | 10 km |
| USGS-03341315 | flow 1,340 ft³/s · STALE | 20 km |
| USGS-03341300 | flow 108.0 ft³/s | 27 km |
| USGS-03339000 | flow 290.0 ft³/s · quality 100 % (5) | 30 km |
| USGS-03336000 | flow 9,040 ft³/s | 32 km |
| USGS-03340870 | turb. 6.80 FNU · quality 100 % (5) · STALE | 37 km |
| USGS-03340900 | flow 23.5 ft³/s · quality 90 % (5) | 37 km |
| USGS-03339108 | flow 4.70 ft³/s · STALE | 40 km |
| USGS-03336645 | flow 44.1 ft³/s | 40 km |
| USGS-03341500 | flow 9,340 ft³/s | 43 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 #
11 wells in 0 named aquifers:
Sites found: 11, 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-394510087105001 | depth 12.1 ft · 2025-03-09 | 27 km |
| USGS-392820087242601 | depth 42.3 ft · 2026-10-05 | 43 km |
| USGS-393619087043001 | depth 15.0 ft · 2026-10-05 | 43 km |
| USGS-400245086482801 | depth 42.3 ft · 2026-10-05 | 60 km |
| USGS-400247086482101 | depth 43.6 ft · 2024-03-27 | 60 km |
| USGS-402558087351501 | depth 23.1 ft · 2026-10-05 | 65 km |
| USGS-400751088084101 | depth 27.8 ft · 2016-03-26 | 66 km |
| USGS-400753088090501 | depth 0.69 ft · 2010-01-24 | 66 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 #
$296.8 m in deposits at 4 offices of 2 banks (SOD June 2026); HHI 5,614, highly concentrated. $128.3 m federal obligations in FY2026 (direct payments $102.2 m, grants $26.1 m), $25,874 per covered job
| Item | Value | Distance |
|---|---|---|
| First Financial Bank, National Association | $200.4 m · 67.5% share · 3 offices | |
| Old National Bank | $96.4 m · 32.5% share · 1 office | |
| Vermillion, IN | $128.3 m FY2026 · $25,874/job | |
| MULTIPLE RECIPIENTS | $100.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Financial Bank, National Association | $200,365,000 | 67.5% | 3 |
| Old National Bank | $96,390,000 | 32.5% | 1 |
Deposit concentration is 5,614 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 = 67.5² + 32.5² = 5,614
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 | $90,494,003 |
| Department of Transportation | $22,528,290 |
| Department of Veterans Affairs | $8,913,381 |
| Department of Health and Human Services | $3,547,183 |
| Railroad Retirement Board | $1,381,548 |
| Department of Agriculture | $1,144,517 |
| Federal Communications Commission | $275,959 |
That is $25,874 per covered job, against 4,958 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $128.3 m / 4,958 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $25,874
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 | 2026-10-06 | +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 #
Vermillion County, IN: 12 findings, 12 noted
noteVermillion County, IN's covered employment was 14.1% 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
- +14.1 % = 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
noteVermillion County, IN's average weekly wage was 13.6% 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
- +13.6 % = 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
noteVermillion County, IN's typical home value of $135,992 ranks 92nd of 92 Indiana counties, against a median of $234,055.
Period 2026-08.Show the arithmetic
- 0 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
noteVermillion County, IN's years of wages of 1.9 ranks 92nd of 92 Indiana counties, against a median of 4.2.
Period 2026-08.Show the arithmetic
- 0 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
noteVermillion County, IN's covered employment of +14.1% ranks 32nd of 3,221 US counties, against a median of -0.2%.
Period 2026 Q1.Show the arithmetic
- 99 on the 0-to-100 scale across 3221 US counties that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
Read all 12 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.