Christian County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.89, -87.49.
Assembled 2026-10-06. Read the brief.
- 37th pct · 1,908th of 3,063 US counties · median $234,566
- 62nd pct · 46th of 120 Kentucky counties · median $181,373
- counties in the Clarksville metro: Rank context is unavailable: the manifest lists 4 counties in the Clarksville metro; fewer than 5 is too few to rank.
- 21st pct · 2,402nd of 3,063 US counties · median +2.9%
- 65th pct · 42nd of 120 Kentucky counties · median -2.1%
- counties in the Clarksville metro: Rank context is unavailable: the manifest lists 4 counties in the Clarksville metro; fewer than 5 is too few to rank.
- 17th pct · 1,156th of 1,399 US counties · median $1,496
- 32nd pct · 22nd of 32 Kentucky counties · median $1,250
- counties in the Clarksville metro: Rank context is unavailable: the manifest lists 4 counties in the Clarksville metro; fewer than 5 is too few to rank.
- 77th pct · 717th of 3,221 US counties · median 8,232
- 89th pct · 13th of 120 Kentucky counties · median 5,237
- counties in the Clarksville metro: Rank context is unavailable: the manifest lists 4 counties in the Clarksville metro; fewer than 5 is too few to rank.
- 67th pct · 1,042nd of 3,221 US counties · median $1,039
- 78th pct · 26th of 120 Kentucky counties · median $953
- counties in the Clarksville metro: Rank context is unavailable: the manifest lists 4 counties in the Clarksville metro; fewer than 5 is too few to rank.
- 30th pct · 2,128th of 3,063 US counties · median 4.3
- 46th pct · 65th of 120 Kentucky counties · median 3.6
- counties in the Clarksville metro: Rank context is unavailable: the manifest lists 4 counties in the Clarksville 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 $202,520 (Aug 2026), +0.1% over one year, +44.6% over five
- 37th pct · 1,908th of 3,063 US counties · median $234,566
- 62nd pct · 46th of 120 Kentucky counties · median $181,373
- counties in the Clarksville metro: Rank context is unavailable: the manifest lists 4 counties in the Clarksville metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Christian County, KY | $202,520 · +0.1% 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 $1,135/mo (Aug 2026), +3.1% over one year; price-to-rent 14.9
- 17th pct · 1,156th of 1,399 US counties · median $1,496
- 32nd pct · 22nd of 32 Kentucky counties · median $1,250
- counties in the Clarksville metro: Rank context is unavailable: the manifest lists 4 counties in the Clarksville metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Christian County, KY | $1,135/mo · +3.1% 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 $1,109 a month on $202,520 at 7.28%, against an average weekly wage worth $4,897 a month: 22.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $202,520 × 80% = $162,016, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,109/mo principal and interest
- wage share = payment / (avg weekly wage $1,130 × 52 / 12 = $4,897) = 23% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $202,520 / ($1,130 × 52) = 3.4
- price-to-rent = $202,520 / ($1,135 × 12) = 14.9
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 #
30,472 jobs at 2,209 employers (2026 Q1); -3.1% jobs and +4.6% average weekly wage over the year
- 77th pct · 717th of 3,221 US counties · median 8,232
- 89th pct · 13th of 120 Kentucky counties · median 5,237
- counties in the Clarksville metro: Rank context is unavailable: the manifest lists 4 counties in the Clarksville metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Christian County, KY | 30,472 jobs · $1,130/wk · -3.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 5,909 | $1,313 | 2.41 | -4.8% |
| Health care and social assistance | 3,727 | $1,315 | 0.81 | -6.0% |
| Retail trade | 3,347 | $677 | 1.13 | -4.4% |
| Accommodation and food services | 2,483 | $423 | 0.91 | +3.2% |
| Administrative and waste services | 2,123 | $900 | 1.23 | +10.4% |
| Transportation and warehousing | 1,637 | $1,234 | 1.27 | -3.1% |
| Professional and technical services | 1,070 | $1,658 | 0.51 | -10.8% |
| Finance and insurance | 584 | $1,992 | 0.47 | +3.4% |
| Arts, entertainment and recreation | 552 | $716 | 1.10 | -4.8% |
| Other services | 462 | $713 | 0.51 | -11.2% |
| Educational services | 433 | $1,288 | 0.66 | -4.2% |
| Real estate and rental | 219 | $914 | 0.47 | -3.9% |
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 #
D1 moderate drought
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 #
27 gauges · 0 flooding · 1 with quality panels averaging 100 % · 10 stale
Sites found: 27, 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 |
|---|---|---|
| N FK LITTLE R AT WATER PLANT AT HOPKINSVILLE, KY | stage 2.05 ft | 3 km |
| SOUTH FORK LITTLE RIVER AT HOPKINSVILLE, KY | stage 1.60 ft | 6 km |
| S FK LITTLE R AT HWY 68 BY-PASS AT HOPKINSVILLE,KY | stage 6.08 ft | 7 km |
| S FK LITTLE RIVER AT HWY 68-80 NR HOPKINSVILLE, KY | flow 0.20 ft³/s | 13 km |
| POND RIVER NEAR APEX, KY | flow 8.81 ft³/s | 30 km |
| PINEY FORK AT FORT CAMPBELL, KY-TN | flow 5.50 ft³/s · STALE | 31 km |
| LITTLE WEST FORK NEAR FORT CAMPBELL, KY-TN | flow 284.0 ft³/s · STALE | 31 km |
| TRADEWATER RIVER AT OLNEY, KY | flow 10.8 ft³/s | 45 km |
| RED RIVER AT PORT ROYAL, TN | flow 105.0 ft³/s | 49 km |
| RED RIVER AT DOT, KY | flow 45.7 ft³/s | 54 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 #
2 wells in 0 named aquifers:
Sites found: 2, 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-370733087291201 | depth 7.02 ft · 1983-09-08 | 26 km |
| USGS-370109088134901 | depth 44.2 ft · 1983-09-13 | 67 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 (0.16)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.00 / 0.55
Banks & federal dollars #
$1.5 bn in deposits at 16 offices of 8 banks (SOD June 2026); HHI 3,045, highly concentrated. $723.2 m federal obligations in FY2026 (direct payments $416.7 m, contracts $238.0 m), $23,733 per covered job
| Item | Value | Distance |
|---|---|---|
| Planters Bank, Inc. | $722.4 m · 47.5% share · 3 offices | |
| Truist Bank | $351.8 m · 23.1% share · 1 office | |
| United Southern Bank | $188.2 m · 12.4% share · 5 offices | |
| Christian, KY | $723.2 m FY2026 · $23,733/job | |
| MULTIPLE RECIPIENTS | $385.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Planters Bank, Inc. | $722,410,000 | 47.5% | 3 |
| Truist Bank | $351,804,000 | 23.1% | 1 |
| United Southern Bank | $188,161,000 | 12.4% | 5 |
| U.S. Bank National Association | $114,933,000 | 7.5% | 1 |
| First Financial Bank, National Association | $103,332,000 | 6.8% | 3 |
| Auburn Banking Company | $20,264,000 | 1.3% | 1 |
| Bank of Cadiz and Trust Company | $19,586,000 | 1.3% | 1 |
| First Southern National Bank | $1,859,000 | 0.1% | 1 |
Deposit concentration is 3,045 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 47.5² + 23.1² + 12.4² + … (5 more) = 3,045
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 | $261,566,124 |
| Department of Defense | $253,176,085 |
| Department of Veterans Affairs | $123,915,945 |
| Department of Transportation | $48,700,419 |
| Department of Agriculture | $15,953,421 |
| Department of Housing and Urban Development | $9,752,638 |
| Department of Education | $6,993,715 |
| Railroad Retirement Board | $1,057,552 |
| Federal Communications Commission | $809,680 |
| Delta Regional Authority | $594,655 |
| Department of Health and Human Services | $367,847 |
| General Services Administration | $210,167 |
That is $23,733 per covered job, against 30,472 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $723.2 m / 30,472 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $23,733
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 | -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 #
Christian County, KY: 8 findings, 1 at an alert level, 2 at a watch level and 5 noted
alertChristian County, KY's covered employment is -3.1% 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 = -3.1 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchChristian County, KY's covered employment is -3.1% 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 = -3.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchChristian County, KY's typical home value of +0.1% scores 22 on the 0-to-100 scale across US counties but 66 across Kentucky counties, a gap of 44 points.
Period 2026-08.Show the arithmetic
- 44 = |22 across US counties - 66 across Kentucky counties|
position among the entities that published this metric this period; not an official level
noteChristian County, KY's average weekly wage was 4.6% 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
- +4.6 % = 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
noteChristian County, KY's covered employment was 3.1% 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
- -3.1 % = 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
Read all 8 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.