Vigo County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.43, -87.39.
Assembled 2026-10-06. Read the brief.
- 21st pct · 2,415th of 3,063 US counties · median $234,566
- 6th pct · 86th 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.
- 30th pct · 2,137th of 3,063 US counties · median +2.9%
- 5th pct · 87th 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.
- 8th pct · 1,284th of 1,399 US counties · median $1,496
- 13th pct · 32nd of 37 Indiana counties · median $1,174
- 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.
- 82nd pct · 554th of 3,221 US counties · median 8,232
- 83rd pct · 16th 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.
- 62nd pct · 1,201st of 3,221 US counties · median $1,039
- 62nd pct · 35th 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.
- 16th pct · 2,548th of 3,063 US counties · median 4.3
- 5th pct · 87th 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 $164,239 (Aug 2026), +1.1% over one year, +29.5% over five
- 21st pct · 2,415th of 3,063 US counties · median $234,566
- 6th pct · 86th 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 |
|---|---|---|
| Vigo County, IN | $164,239 · +1.1% 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 #
Typical rent $1,001/mo (Aug 2026), +3.3% over one year; price-to-rent 13.7
- 8th pct · 1,284th of 1,399 US counties · median $1,496
- 13th pct · 32nd of 37 Indiana counties · median $1,174
- 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 |
|---|---|---|
| Vigo County, IN | $1,001/mo · +3.3% 1-yr |
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 $899 a month on $164,239 at 7.28%, against an average weekly wage worth $4,771 a month: 18.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $164,239 × 80% = $131,391, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $899/mo principal and interest
- wage share = payment / (avg weekly wage $1,101 × 52 / 12 = $4,771) = 19% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $164,239 / ($1,101 × 52) = 2.9
- price-to-rent = $164,239 / ($1,001 × 12) = 13.7
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 #
45,505 jobs at 2,539 employers (2026 Q1); -2.6% jobs and +3.0% average weekly wage over the year
- 82nd pct · 554th of 3,221 US counties · median 8,232
- 83rd pct · 16th 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 |
|---|---|---|
| Vigo County, IN | 45,505 jobs · $1,101/wk · -2.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 9,004 | $1,217 | 1.31 | -4.6% |
| Retail trade | 5,758 | $667 | 1.30 | -1.3% |
| Accommodation and food services | 5,429 | $444 | 1.33 | -0.5% |
| Manufacturing | 5,405 | $1,441 | 1.48 | -3.4% |
| Construction | 2,433 | $1,814 | 1.02 | +0.0% |
| Other services | 1,411 | $852 | 1.04 | +0.0% |
| Professional and technical services | 1,344 | $1,284 | 0.43 | +1.7% |
| Educational services | 1,239 | $1,080 | 1.27 | +0.1% |
| Wholesale trade | 1,221 | $1,406 | 0.70 | -2.6% |
| Administrative and waste services | 1,220 | $768 | 0.47 | -10.3% |
| Finance and insurance | 1,191 | $1,714 | 0.64 | +1.4% |
| Transportation and warehousing | 1,187 | $1,073 | 0.62 | -21.5% |
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 #
Surface water layer not loaded
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 #
Surface water layer not loaded
Sites found: 0, 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.
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 #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, 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.
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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$2.8 bn in deposits at 26 offices of 8 banks (SOD June 2026); HHI 3,384, highly concentrated. $675.3 m federal obligations in FY2026 (direct payments $624.2 m, grants $26.8 m), $14,840 per covered job
| Item | Value | Distance |
|---|---|---|
| First Financial Bank, National Association | $1.5 bn · 52.9% share · 6 offices | |
| Old National Bank | $494.5 m · 17.9% share · 4 offices | |
| The Hometown Savings Bank | $343.7 m · 12.4% share · 6 offices | |
| Vigo, IN | $675.3 m FY2026 · $14,840/job | |
| MULTIPLE RECIPIENTS | $587.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Financial Bank, National Association | $1,463,599,000 | 52.9% | 6 |
| Old National Bank | $494,455,000 | 17.9% | 4 |
| The Hometown Savings Bank | $343,735,000 | 12.4% | 6 |
| Fifth Third Bank, National Association | $261,643,000 | 9.5% | 3 |
| The Riddell National Bank | $114,369,000 | 4.1% | 2 |
| First Farmers Bank & Trust Co. | $59,127,000 | 2.1% | 2 |
| Prospect Bank | $23,492,000 | 0.8% | 1 |
| Woodforest National Bank | $6,228,000 | 0.2% | 2 |
Deposit concentration is 3,384 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 52.9² + 17.9² + 12.4² + … (5 more) = 3,384
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 | $522,712,852 |
| Department of Veterans Affairs | $59,256,790 |
| Department of Education | $22,992,109 |
| Department of Justice | $21,369,502 |
| Department of Housing and Urban Development | $15,219,040 |
| Department of Transportation | $8,267,039 |
| Department of Health and Human Services | $7,601,028 |
| Department of Defense | $6,863,919 |
| Railroad Retirement Board | $5,168,446 |
| Federal Communications Commission | $2,711,161 |
| Department of Agriculture | $1,628,693 |
| General Services Administration | $1,157,499 |
That is $14,840 per covered job, against 45,505 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $675.3 m / 45,505 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,840
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 #
Vigo County, IN: 12 findings, 1 at a watch level and 11 noted
watchVigo County, IN's covered employment is -2.6% 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 = -2.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteVigo County, IN's average weekly wage was 3.0% 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
- +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
noteVigo County, IN's covered employment was 2.6% 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
- -2.6 % = 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
noteVigo County, IN's typical home value rose 0.5% from $163,406 in July 2026 to $164,239 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.5% = (164238.6074737031 - 163405.8450398614) / 163405.8450398614 × 100
- 164238.6074737031 = Zillow ZHVI, 2026-08
- 163405.8450398614 = Zillow ZHVI, 2026-07
noteVigo County, IN's typical asking rent rose 0.4% from $997 in July 2026 to $1,001 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.4% = (1000.8356997971601 - 996.7555536133493) / 996.7555536133493 × 100
- 1000.8356997971601 = Zillow ZORI, 2026-08
- 996.7555536133493 = Zillow ZORI, 2026-07
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.