Calloway County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.62, -88.27.
Assembled 2026-10-06. Read the brief.
- 28th pct · 2,181st of 3,063 US counties · median $234,566
- 49th pct · 61st of 120 Kentucky counties · median $181,373
- 0th pct · 3,051st of 3,063 US counties · median +2.9%
- 7th pct · 111th of 120 Kentucky counties · median -2.1%
- 14th pct · 1,199th of 1,399 US counties · median $1,496
- 22nd pct · 25th of 32 Kentucky counties · median $1,250
- 65th pct · 1,105th of 3,221 US counties · median 8,232
- 78th pct · 26th of 120 Kentucky counties · median 5,237
- 19th pct · 2,580th of 3,221 US counties · median $1,039
- 32nd pct · 81st of 120 Kentucky counties · median $953
- 40th pct · 1,811th of 3,063 US counties · median 4.3
- 64th pct · 43rd 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 $181,336 (Aug 2026), -17.2% over one year, -11.5% over five
- 28th pct · 2,181st of 3,063 US counties · median $234,566
- 49th pct · 61st of 120 Kentucky counties · median $181,373
| Item | Value | Distance |
|---|---|---|
| Calloway County, KY | $181,336 · -17.2% 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 $1,088/mo (Aug 2026), +4.1% over one year; price-to-rent 13.9
- 14th pct · 1,199th of 1,399 US counties · median $1,496
- 22nd pct · 25th of 32 Kentucky counties · median $1,250
| Item | Value | Distance |
|---|---|---|
| Calloway County, KY | $1,088/mo · +4.1% 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 $993 a month on $181,336 at 7.28%, against an average weekly wage worth $3,913 a month: 25.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $181,336 × 80% = $145,069, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $993/mo principal and interest
- wage share = payment / (avg weekly wage $903 × 52 / 12 = $3,913) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $181,336 / ($903 × 52) = 3.9
- price-to-rent = $181,336 / ($1,088 × 12) = 13.9
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 #
15,696 jobs at 1,352 employers (2026 Q1); -0.2% jobs and +0.6% average weekly wage over the year
- 65th pct · 1,105th of 3,221 US counties · median 8,232
- 78th pct · 26th of 120 Kentucky counties · median 5,237
| Item | Value | Distance |
|---|---|---|
| Calloway County, KY | 15,696 jobs · $903/wk · -0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,126 | $1,206 | 1.68 | -0.2% |
| Retail trade | 1,879 | $635 | 1.23 | +0.5% |
| Accommodation and food services | 1,878 | $354 | 1.33 | -6.2% |
| Transportation and warehousing | 1,351 | $779 | 2.04 | -7.1% |
| Health care and social assistance | 1,011 | $778 | 0.43 | +18.7% |
| Construction | 690 | $885 | 0.84 | -1.3% |
| Professional and technical services | 594 | $1,316 | 0.55 | +16.2% |
| Finance and insurance | 386 | $1,400 | 0.60 | -1.0% |
| Administrative and waste services | 368 | $803 | 0.41 | -5.9% |
| Real estate and rental | 220 | $822 | 0.91 | +0.5% |
| Other services | 204 | $692 | 0.43 | -2.9% |
| Information | 134 | $989 | 0.46 | +5.5% |
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 #
D0 abnormally dry
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 #
33 gauges · 0 flooding · 0 with quality panels · 12 stale
Sites found: 33, 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-03610000 | flow 14.0 ft³/s · STALE | 4 km |
| USGS-03610200 | flow 5.86 ft³/s | 8 km |
| USGS-03610545 | flow 8.40 ft³/s · STALE | 25 km |
| Obion River near Palmersville | no readings | 34 km |
| Cumberland River at Dover | no flooding | 41 km |
| Tennessee River at Kentucky Lake Pool | no readings | 44 km |
| Tennessee River at Kentucky Lake Tailwater | no readings | 44 km |
| Cumberland River at Barkley Lake Pool | no readings | 44 km |
| Cumberland River at Barkley Lake Tailwater | no readings | 45 km |
| Little River (KY) above Cadiz | no readings | 52 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 #
6 wells in 0 named aquifers:
Sites found: 6, 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-365210088391301 | depth 8.70 ft · 2026-10-06 | 44 km |
| USGS-370109088134901 | depth 44.2 ft · 1983-09-13 | 44 km |
| USGS-370444088473801 | depth 61.6 ft · 1984-11-30 | 69 km |
| USGS-370516088504401 | depth 45.1 ft · 1984-11-30 | 73 km |
| USGS-370551088510401 | depth 107.8 ft · 1983-09-13 | 74 km |
| USGS-360020087573300 | depth 85.7 ft · 1998-02-24 | 74 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$1.2 bn in deposits at 15 offices of 10 banks (SOD June 2026); HHI 2,213, highly concentrated. $254.9 m federal obligations in FY2026 (direct payments $238.0 m, grants $16.0 m), $16,238 per covered job
| Item | Value | Distance |
|---|---|---|
| The Murray Bank | $476.7 m · 39.3% share · 3 offices | |
| Community Financial Services Bank | $239.2 m · 19.7% share · 2 offices | |
| Regions Bank | $104.3 m · 8.6% share · 1 office | |
| Calloway, KY | $254.9 m FY2026 · $16,238/job | |
| MULTIPLE RECIPIENTS | $214.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Murray Bank | $476,732,000 | 39.3% | 3 |
| Community Financial Services Bank | $239,206,000 | 19.7% | 2 |
| Regions Bank | $104,284,000 | 8.6% | 1 |
| Truist Bank | $97,556,000 | 8.0% | 1 |
| FNB Bank, Inc. | $81,826,000 | 6.7% | 2 |
| Independence Bank of Kentucky | $77,265,000 | 6.4% | 2 |
| First Financial Bank, National Association | $68,770,000 | 5.7% | 1 |
| U.S. Bank National Association | $58,221,000 | 4.8% | 1 |
| Bank of Cadiz and Trust Company | $6,619,000 | 0.5% | 1 |
| Woodforest National Bank | $2,598,000 | 0.2% | 1 |
Deposit concentration is 2,213 across 10 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 39.3² + 19.7² + 8.6² + … (7 more) = 2,213
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 | $188,952,347 |
| Department of Veterans Affairs | $24,827,245 |
| Department of Education | $18,189,647 |
| Department of Health and Human Services | $10,162,289 |
| Department of Agriculture | $6,455,645 |
| Department of Transportation | $3,425,453 |
| Department of Housing and Urban Development | $988,575 |
| Railroad Retirement Board | $775,976 |
| Department of Defense | $641,215 |
| Federal Communications Commission | $351,552 |
| Department of Energy | $100,000 |
| Department of the Interior | $0 |
That is $16,238 per covered job, against 15,696 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $254.9 m / 15,696 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,238
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 #
Calloway County, KY: 13 findings, 1 at an alert level, 2 at a watch level and 10 noted
alertCalloway County, KY's typical home value is -17.2% against a year earlier, an alert level here: typical home value at least 5 percent below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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 2026-08.Show the arithmetic
- test: home.yoyPct = -17.24753842979644 <= -5
arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, not an official level
watchCalloway County, KY's typical home value is -17.2% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-08.Show the arithmetic
- test: home.yoyPct = -17.24753842979644 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchCalloway County, KY's covered employment is -0.2% 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 = -0.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteCalloway County, KY's typical asking rent fell 0.8% from $1,097 in July 2026 to $1,088 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -0.8% = (1087.604761904762 - 1096.5188799866544) / 1096.5188799866544 × 100
- 1087.604761904762 = Zillow ZORI, 2026-08
- 1096.5188799866544 = Zillow ZORI, 2026-07
noteCalloway County, KY's average weekly wage was 0.6% 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
- +0.6 % = 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
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.