Boyle County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.62, -84.87.
Assembled 2026-10-07. Read the brief.
- 52nd pct · 1,456th of 3,063 US counties · median $234,566
- 75th pct · 30th of 120 Kentucky counties · median $181,373
- 27th pct · 2,211th of 3,063 US counties · median +2.9%
- 73rd pct · 33rd of 120 Kentucky counties · median -2.1%
- 15th pct · 1,183rd of 1,399 US counties · median $1,496
- 25th pct · 24th of 32 Kentucky counties · median $1,250
- 64th pct · 1,159th of 3,221 US counties · median 8,232
- 77th pct · 28th of 120 Kentucky counties · median 5,237
- 50th pct · 1,587th of 3,221 US counties · median $1,039
- 65th pct · 42nd of 120 Kentucky counties · median $953
- 53rd pct · 1,419th of 3,063 US counties · median 4.3
- 75th pct · 30th of 120 Kentucky counties · median 3.6
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 $241,363 (Aug 2026), +0.8% over one year, +33.5% over five
- 52nd pct · 1,456th of 3,063 US counties · median $234,566
- 75th pct · 30th of 120 Kentucky counties · median $181,373
| Item | Value | Distance |
|---|---|---|
| Boyle County, KY | $241,363 · +0.8% 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 $1,108/mo (Aug 2026), n/a over one year; price-to-rent 18.2
- 15th pct · 1,183rd of 1,399 US counties · median $1,496
- 25th pct · 24th of 32 Kentucky counties · median $1,250
| Item | Value | Distance |
|---|---|---|
| Boyle County, KY | $1,108/mo · n/a 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 $1,321 a month on $241,363 at 7.28%, against an average weekly wage worth $4,511 a month: 29.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $241,363 × 80% = $193,091, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,321/mo principal and interest
- wage share = payment / (avg weekly wage $1,041 × 52 / 12 = $4,511) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $241,363 / ($1,041 × 52) = 4.5
- price-to-rent = $241,363 / ($1,108 × 12) = 18.2
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 #
14,659 jobs at 1,074 employers (2026 Q1); +1.8% jobs and +1.1% average weekly wage over the year
- 64th pct · 1,159th of 3,221 US counties · median 8,232
- 77th pct · 28th of 120 Kentucky counties · median 5,237
| Item | Value | Distance |
|---|---|---|
| Boyle County, KY | 14,659 jobs · $1,041/wk · +1.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,706 | $812 | 1.19 | -1.8% |
| Manufacturing | 1,703 | $1,237 | 1.44 | -3.9% |
| Accommodation and food services | 1,525 | $406 | 1.16 | -1.5% |
| Wholesale trade | 1,082 | $923 | 1.93 | +8.1% |
| Construction | 506 | $1,075 | 0.66 | +21.9% |
| Administrative and waste services | 462 | $904 | 0.55 | +11.3% |
| Finance and insurance | 366 | $1,936 | 0.61 | +3.7% |
| Other services | 277 | $638 | 0.63 | +14.0% |
| Utilities | 113 | $2,151 | 1.95 | +0.0% |
| Transportation and warehousing | 107 | $1,638 | 0.17 | -37.1% |
| Arts, entertainment and recreation | 101 | $432 | 0.42 | -1.0% |
| Information | 97 | $1,024 | 0.36 | +14.1% |
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 #
$1.0 bn in deposits at 18 offices of 9 banks (SOD June 2026); HHI 3,486, highly concentrated. $42.5 m federal obligations in FY2026 (contracts $39.6 m, grants $2.8 m), $2,901 per covered job
| Item | Value | Distance |
|---|---|---|
| The Farmers National Bank of Danville | $584.0 m · 55.8% share · 6 offices | |
| Community Trust Bank, Inc. | $131.2 m · 12.5% share · 2 offices | |
| JPMorgan Chase Bank, National Association | $102.0 m · 9.7% share · 1 office | |
| Boyle, KY | $42.5 m FY2026 · $2,901/job | |
| MULTIPLE RECIPIENTS | $186.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Farmers National Bank of Danville | $583,976,000 | 55.8% | 6 |
| Community Trust Bank, Inc. | $131,153,000 | 12.5% | 2 |
| JPMorgan Chase Bank, National Association | $101,953,000 | 9.7% | 1 |
| PNC Bank, National Association | $78,960,000 | 7.5% | 1 |
| First Federal Savings Bank of Kentucky | $67,956,000 | 6.5% | 2 |
| PBK BANK, INC. | $40,866,000 | 3.9% | 2 |
| The Monticello Banking Company | $34,045,000 | 3.3% | 1 |
| Whitaker Bank | $5,627,000 | 0.5% | 2 |
| Woodforest National Bank | $2,772,000 | 0.3% | 1 |
Deposit concentration is 3,486 across 9 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 55.8² + 12.5² + 9.7² + … (6 more) = 3,486
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 | $163,529,965 |
| Department of Defense | $37,977,689 |
| Department of Veterans Affairs | $18,194,582 |
| Railroad Retirement Board | $4,510,628 |
| Department of Housing and Urban Development | $3,951,246 |
| Department of Education | $2,812,606 |
| Department of Homeland Security | $1,670,757 |
| Department of Agriculture | $1,343,719 |
| Federal Communications Commission | $729,558 |
| Department of Transportation | $727,933 |
| Department of Health and Human Services | $172,745 |
| Department of the Interior | $0 |
That is $2,901 per covered job, against 14,659 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $42.5 m / 14,659 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $2,901
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 | 3.00 | 2026-10-06 | -50.0% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| 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 #
Boyle County, KY: 7 findings, 1 at a watch level and 6 noted
watchBoyle County, KY's typical home value of +0.8% scores 28 on the 0-to-100 scale across US counties but 73 across Kentucky counties, a gap of 45 points.
Period 2026-08.Show the arithmetic
- 45 = |28 across US counties - 73 across Kentucky counties|
position among the entities that published this metric this period; not an official level
noteBoyle County, KY's typical asking rent rose 2.1% from $1,085 in July 2026 to $1,108 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +2.1% = (1107.6666666666667 - 1085.3877379107132) / 1085.3877379107132 × 100
- 1107.6666666666667 = Zillow ZORI, 2026-08
- 1085.3877379107132 = Zillow ZORI, 2026-07
noteBoyle County, KY's covered employment was 1.8% 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
- +1.8 % = 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
noteBoyle County, KY's average weekly wage was 1.1% 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
- +1.1 % = 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
noteThe next Zillow ZHVI typical home value (monthly) covering Boyle County, KY 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
Read all 7 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.