Washington County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.60, -86.10.
Assembled 2026-10-06. Read the brief.
- 44th pct · 1,686th of 3,063 US counties · median $234,566
- 37th pct · 58th of 92 Indiana counties · median $234,055
- 0th pct · 12th of 12 counties in the Louisville/Jefferson County metro · median $276,709
- 55th pct · 1,363rd of 3,063 US counties · median +2.9%
- 35th pct · 60th of 92 Indiana counties · median +4.2%
- 72nd pct · 4th of 12 counties in the Louisville/Jefferson County metro · median +1.9%
- US counties: not published this period
- Indiana counties: not published this period
- counties in the Louisville/Jefferson County metro: not published this period
- 39th pct · 1,952nd of 3,221 US counties · median 8,232
- 20th pct · 73rd of 92 Indiana counties · median 12,958
- 18th pct · 10th of 12 counties in the Louisville/Jefferson County metro · median 16,814
- 14th pct · 2,737th of 3,221 US counties · median $1,039
- 8th pct · 84th of 92 Indiana counties · median $1,045
- 0th pct · 12th of 12 counties in the Louisville/Jefferson County metro · median $1,073
- 62nd pct · 1,151st of 3,063 US counties · median 4.3
- 74th pct · 24th of 92 Indiana counties · median 4.2
- 36th pct · 8th of 12 counties in the Louisville/Jefferson County metro · median 4.9
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 $221,652 (Aug 2026), +3.4% over one year, +26.8% over five
- 44th pct · 1,686th of 3,063 US counties · median $234,566
- 37th pct · 58th of 92 Indiana counties · median $234,055
- 0th pct · 12th of 12 counties in the Louisville/Jefferson County metro · median $276,709
| Item | Value | Distance |
|---|---|---|
| Washington County, IN | $221,652 · +3.4% 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 Louisville/Jefferson County metro: 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 $1,213 a month on $221,652 at 7.28%, against an average weekly wage worth $3,787 a month: 32.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $221,652 × 80% = $177,322, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,213/mo principal and interest
- wage share = payment / (avg weekly wage $874 × 52 / 12 = $3,787) = 32% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $221,652 / ($874 × 52) = 4.9
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 #
5,434 jobs at 484 employers (2026 Q1); -4.8% jobs and +1.4% average weekly wage over the year
- 39th pct · 1,952nd of 3,221 US counties · median 8,232
- 20th pct · 73rd of 92 Indiana counties · median 12,958
- 18th pct · 10th of 12 counties in the Louisville/Jefferson County metro · median 16,814
| Item | Value | Distance |
|---|---|---|
| Washington County, IN | 5,434 jobs · $874/wk · -4.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,121 | $1,128 | 2.56 | -2.1% |
| Retail trade | 1,035 | $653 | 1.95 | -0.6% |
| Accommodation and food services | 421 | $345 | 0.86 | -13.2% |
| Construction | 301 | $1,013 | 1.06 | -7.7% |
| Other services | 160 | $745 | 0.99 | -11.6% |
| Professional and technical services | 138 | $1,229 | 0.37 | -9.8% |
| Finance and insurance | 113 | $1,489 | 0.51 | -10.3% |
| Wholesale trade | 108 | $1,023 | 0.52 | +25.6% |
| Real estate and rental | 55 | $755 | 0.66 | -24.7% |
| Transportation and warehousing | 44 | $878 | 0.19 | -40.5% |
| Information | 28 | $1,336 | 0.28 | -12.5% |
| Arts, entertainment and recreation | 16 | $286 | 0.18 | +14.3% |
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 | 21,970 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 #
79 gauges · 0 flooding · 32 with quality panels averaging 97 % · 22 stale
Sites found: 79, 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 |
|---|---|---|
| WEST FORK BLUE RIVER AT SALEM, IN | flow 0.88 ft³/s | 1 km |
| BLUE RIVER AT FREDERICKSBURG, IN | flow 11.1 ft³/s | 20 km |
| LOST RIVER NEAR LEIPSIC, IN | flow 17.2 ft³/s · STALE | 23 km |
| PATOKA RIVER NEAR HARDINSBURG, IND | flow 0.37 ft³/s · STALE | 30 km |
| BACK CREEK AT LEESVILLE, IN | flow 1.60 ft³/s · STALE | 32 km |
| EAST FORK WHITE RIVER NEAR BEDFORD, IN | flow 888.0 ft³/s | 33 km |
| WHISKEY RUN AT MARENGO, IN | stage 1.53 ft | 33 km |
| LICK CREEK AT PAOLI, IN | flow 2.27 ft³/s | 33 km |
| LITTLE INDIAN CREEK NEAR GALENA, IN | flow 6.70 ft³/s · STALE | 34 km |
| INDIAN CREEK AT SR 335 NEAR CORYDON IN | flow 35.0 ft³/s · STALE | 36 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 #
68 wells in 0 named aquifers:
Sites found: 68, 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-383012086124501 | depth 74.0 ft · 2025-02-06 | 14 km |
| USGS-382323086044501 | depth 16.9 ft · 2026-10-05 | 24 km |
| USGS-385542086005601 | depth 8.43 ft · 2025-01-28 | 37 km |
| USGS-383403085352601 | depth 44.1 ft · 2026-06-24 | 45 km |
| USGS-382305085381701 | depth 38.8 ft · 2026-06-24 | 47 km |
| USGS-384745086354301 | depth 9.64 ft · 2018-03-12 | 48 km |
| USGS-382156085382401 | depth 35.5 ft · 2026-10-05 | 48 km |
| USGS-381528085454201 | depth 31.4 ft · 1992-09-30 | 48 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 + 0.2×0.03 / 0.55
Banks & federal dollars #
$331.8 m in deposits at 3 offices of 3 banks (SOD June 2026); HHI 3,458, highly concentrated. $172.6 m federal obligations in FY2026 (direct payments $168.6 m, grants $4.0 m), $31,762 per covered job
| Item | Value | Distance |
|---|---|---|
| First Merchants Bank | $140.8 m · 42.4% share · 1 office | |
| First Harrison Bank | $96.5 m · 29.1% share · 1 office | |
| PNC Bank, National Association | $94.5 m · 28.5% share · 1 office | |
| Washington, IN | $172.6 m FY2026 · $31,762/job | |
| MULTIPLE RECIPIENTS | $165.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Merchants Bank | $140,788,000 | 42.4% | 1 |
| First Harrison Bank | $96,462,000 | 29.1% | 1 |
| PNC Bank, National Association | $94,521,000 | 28.5% | 1 |
Deposit concentration is 3,458 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 42.4² + 29.1² + 28.5² = 3,458
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 | $148,341,705 |
| Department of Veterans Affairs | $16,743,683 |
| Department of Transportation | $3,964,717 |
| Department of Agriculture | $2,575,498 |
| Railroad Retirement Board | $855,355 |
| Federal Communications Commission | $50,375 |
| Department of Defense | $37,718 |
| Department of Housing and Urban Development | $25,839 |
| Small Business Administration | $0 |
That is $31,762 per covered job, against 5,434 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $172.6 m / 5,434 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $31,762
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 #
Washington County, IN: 13 findings, 1 at an alert level, 1 at a watch level and 11 noted
alertWashington County, IN's covered employment is -4.8% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, 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 = -4.8 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchWashington County, IN's covered employment is -4.8% 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 = -4.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteWashington County, IN's covered employment was 4.8% 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
- -4.8 % = 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
noteWashington County, IN's average weekly wage was 1.4% 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
- +1.4 % = 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
noteWashington County, IN's typical home value rose 0.3% from $221,016 in July 2026 to $221,652 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (221652.12795944922 - 221015.91405477902) / 221015.91405477902 × 100
- 221652.12795944922 = Zillow ZHVI, 2026-08
- 221015.91405477902 = Zillow ZHVI, 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.