Warren County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.35, -87.38.
Assembled 2026-10-06. Read the brief.
- 49th pct · 1,534th of 3,063 US counties · median $234,566
- 50th pct · 46th of 92 Indiana counties · median $234,055
- counties in the Lafayette-West Lafayette metro: Rank context is unavailable: the manifest lists 4 counties in the Lafayette-West Lafayette metro; fewer than 5 is too few to rank.
- 58th pct · 1,283rd of 3,063 US counties · median +2.9%
- 37th pct · 58th of 92 Indiana counties · median +4.2%
- counties in the Lafayette-West Lafayette metro: Rank context is unavailable: the manifest lists 4 counties in the Lafayette-West Lafayette metro; fewer than 5 is too few to rank.
- US counties: not published this period
- Indiana counties: not published this period
- counties in the Lafayette-West Lafayette metro: Rank context is unavailable: the manifest lists 4 counties in the Lafayette-West Lafayette metro; fewer than 5 is too few to rank.
- 15th pct · 2,710th of 3,221 US counties · median 8,232
- 3rd pct · 89th of 92 Indiana counties · median 12,958
- counties in the Lafayette-West Lafayette metro: Rank context is unavailable: the manifest lists 4 counties in the Lafayette-West Lafayette metro; fewer than 5 is too few to rank.
- 46th pct · 1,720th of 3,221 US counties · median $1,039
- 41st pct · 54th of 92 Indiana counties · median $1,045
- counties in the Lafayette-West Lafayette metro: Rank context is unavailable: the manifest lists 4 counties in the Lafayette-West Lafayette metro; fewer than 5 is too few to rank.
- 52nd pct · 1,450th of 3,063 US counties · median 4.3
- 58th pct · 39th of 92 Indiana counties · median 4.2
- counties in the Lafayette-West Lafayette metro: Rank context is unavailable: the manifest lists 4 counties in the Lafayette-West Lafayette 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 $234,310 (Aug 2026), +3.7% over one year, +31.2% over five
- 49th pct · 1,534th of 3,063 US counties · median $234,566
- 50th pct · 46th of 92 Indiana counties · median $234,055
- counties in the Lafayette-West Lafayette metro: Rank context is unavailable: the manifest lists 4 counties in the Lafayette-West Lafayette metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Warren County, IN | $234,310 · +3.7% 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
- counties in the Lafayette-West Lafayette metro: Rank context is unavailable: the manifest lists 4 counties in the Lafayette-West Lafayette 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 $1,283 a month on $234,310 at 7.28%, against an average weekly wage worth $4,437 a month: 28.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $234,310 × 80% = $187,448, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,283/mo principal and interest
- wage share = payment / (avg weekly wage $1,024 × 52 / 12 = $4,437) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $234,310 / ($1,024 × 52) = 4.4
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 #
1,961 jobs at 172 employers (2026 Q1); +1.0% jobs and +2.2% average weekly wage over the year
- 15th pct · 2,710th of 3,221 US counties · median 8,232
- 3rd pct · 89th of 92 Indiana counties · median 12,958
- counties in the Lafayette-West Lafayette metro: Rank context is unavailable: the manifest lists 4 counties in the Lafayette-West Lafayette metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Warren County, IN | 1,961 jobs · $1,024/wk · +1.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 453 | $1,048 | 2.87 | +1.1% |
| Health care and social assistance | 217 | $1,141 | 0.74 | -3.1% |
| Transportation and warehousing | 145 | $1,336 | 1.75 | +9.8% |
| Wholesale trade | 115 | $1,282 | 1.53 | -2.5% |
| Construction | 110 | $1,186 | 1.07 | +4.8% |
| Finance and insurance | 48 | $1,636 | 0.60 | +0.0% |
| Professional and technical services | 42 | $642 | 0.31 | -6.7% |
| Administrative and waste services | 26 | $1,004 | 0.23 | -18.8% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Retail trade | 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 #
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 #
$125.3 m in deposits at 4 offices of 4 banks (SOD June 2026); HHI 2,984, highly concentrated. $57.1 m federal obligations in FY2026 (direct payments $56.2 m, grants $906,891), $29,104 per covered job
| Item | Value | Distance |
|---|---|---|
| First Financial Bank | $51.9 m · 41.4% share · 1 office | |
| The Farmers and Merchants Bank | $35.8 m · 28.6% share · 1 office | |
| The Fountain Trust Company | $19.7 m · 15.7% share · 1 office | |
| Warren, IN | $57.1 m FY2026 · $29,104/job | |
| MULTIPLE RECIPIENTS | $52.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Financial Bank | $51,892,000 | 41.4% | 1 |
| The Farmers and Merchants Bank | $35,810,000 | 28.6% | 1 |
| The Fountain Trust Company | $19,663,000 | 15.7% | 1 |
| Fowler State Bank | $17,902,000 | 14.3% | 1 |
Deposit concentration is 2,984 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 41.4² + 28.6² + 15.7² + … (1 more) = 2,984
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 | $48,649,891 |
| Department of Veterans Affairs | $3,665,705 |
| Department of Agriculture | $3,532,276 |
| Department of Transportation | $818,958 |
| Railroad Retirement Board | $355,418 |
| Federal Communications Commission | $50,820 |
| Department of Defense | $0 |
That is $29,104 per covered job, against 1,961 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $57.1 m / 1,961 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $29,104
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 | -105,572.00 | 2026-08-01 | -13.7% |
| 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 #
Warren County, IN: 5 findings, 5 noted
noteWarren County, IN's average weekly wage was 2.2% 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
- +2.2 % = 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
noteWarren County, IN's covered employment was 1.0% 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
- +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
noteWarren County, IN's typical home value rose 0.3% from $233,619 in July 2026 to $234,310 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (234309.88659210413 - 233619.33923532325) / 233619.33923532325 × 100
- 234309.88659210413 = Zillow ZHVI, 2026-08
- 233619.33923532325 = Zillow ZHVI, 2026-07
noteWarren County, IN's covered employment of 1,961 ranks 89th of 92 Indiana counties, against a median of 12,958.
Period 2026 Q1.Show the arithmetic
- 3 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
noteThe next Zillow ZHVI typical home value (monthly) covering Warren County, IN is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.