Anderson County, KY

Home values #

Typical home $265,086 (Aug 2026), +1.5% over one year, +38.5% over five

• 60th pct · 1,213th of 3,063 US counties · median $234,566
• 85th pct · 18th of 120 Kentucky counties · median $181,373

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 $1,271/mo (Aug 2026), n/a over one year; price-to-rent 17.4

• 27th pct · 1,008th of 1,399 US counties · median $1,496
• 54th pct · 15th of 32 Kentucky counties · median $1,250

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 $1,451 a month on $265,086 at 7.28%, against an average weekly wage worth $4,429 a month: 32.8% of one job’s pay.

• payment = P·r / (1 − (1+r)^−n), P = $265,086 × 80% = $212,068, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,451/mo principal and interest
• wage share = payment / (avg weekly wage $1,022 × 52 / 12 = $4,429) = 33% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
• years of wages = $265,086 / ($1,022 × 52) = 5.0
• price-to-rent = $265,086 / ($1,271 × 12) = 17.4

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 #

5,366 jobs at 605 employers (2026 Q1); +5.9% jobs and +8.0% average weekly wage over the year

• 39th pct · 1,961st of 3,221 US counties · median 8,232
• 52nd pct · 57th of 120 Kentucky counties · median 5,237

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 #

No reservoir gauges within 150 km (or the camera is above the gauge altitude)

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 #

86 gauges · 0 flooding · 36 with quality panels averaging 97 % · 19 stale

Sites found: 86, 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 #

44 wells in 0 named aquifers:

Sites found: 44, 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 (0.01)

Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.03 / 0.55

Banks & federal dollars #

$375.6 m in deposits at 5 offices of 4 banks (SOD June 2026); HHI 3,484, highly concentrated. $218.5 m federal obligations in FY2026 (direct payments $207.5 m, grants $10.2 m), $40,711 per covered job

Deposit concentration is 3,484 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 = 50.0² + 25.7² + 15.6² + … (1 more) = 3,484

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.

That is $40,711 per covered job, against 5,366 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $218.5 m / 5,366 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $40,711

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.

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 #

Anderson County, KY: 10 findings, 1 at a watch level and 9 noted

1. watchAnderson County, KY's typical home value of +1.5% scores 34 on the 0-to-100 scale across US counties but 78 across Kentucky counties, a gap of 44 points.

   Period 2026-08.
   Show the arithmetic

   • 44 = |34 across US counties - 78 across Kentucky counties|

   position among the entities that published this metric this period; not an official level

2. noteAnderson County, KY's average weekly wage was 8.0% 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

   • +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

3. noteAnderson County, KY's covered employment was 5.9% 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

   • +5.9 % = 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

4. noteAnderson County, KY's typical asking rent rose 0.7% from $1,262 in July 2026 to $1,271 in August 2026, on Zillow ZORI.

   Period 2026-08.
   Show the arithmetic

   • +0.7% = (1271.111111111111 - 1262.2477842505218) / 1262.2477842505218 × 100
   • 1271.111111111111 = Zillow ZORI, 2026-08
   • 1262.2477842505218 = Zillow ZORI, 2026-07

5. noteAnderson County, KY's momentum index of 0.70 ranks 2nd of 120 Kentucky counties, against a median of 0.05.

   Period 2026-08.
   Show the arithmetic

   • 99 on the 0-to-100 scale across 120 Kentucky counties that published momentum
   • momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)

   position among the entities that published this metric this period; not an official level

Read all 10 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.