Clinton County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.73, -85.14.
Assembled 2026-10-06. Read the brief.
- 16th pct · 2,559th of 3,063 US counties · median $234,566
- 33rd pct · 80th of 120 Kentucky counties · median $181,373
- 1st pct · 3,030th of 3,063 US counties · median +2.9%
- 16th pct · 100th of 120 Kentucky counties · median -2.1%
- US counties: not published this period
- Kentucky counties: not published this period
- 29th pct · 2,269th of 3,221 US counties · median 8,232
- 40th pct · 72nd of 120 Kentucky counties · median 5,237
- 5th pct · 3,040th of 3,221 US counties · median $1,039
- 4th pct · 115th of 120 Kentucky counties · median $953
- 36th pct · 1,946th of 3,063 US counties · median 4.3
- 56th pct · 53rd 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 $151,907 (Aug 2026), -10.6% over one year, +16.1% over five
- 16th pct · 2,559th of 3,063 US counties · median $234,566
- 33rd pct · 80th of 120 Kentucky counties · median $181,373
| Item | Value | Distance |
|---|---|---|
| Clinton County, KY | $151,907 · -10.6% 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
- Kentucky counties: 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 $831 a month on $151,907 at 7.28%, against an average weekly wage worth $3,428 a month: 24.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $151,907 × 80% = $121,526, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $831/mo principal and interest
- wage share = payment / (avg weekly wage $791 × 52 / 12 = $3,428) = 24% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $151,907 / ($791 × 52) = 3.7
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 #
3,698 jobs at 298 employers (2026 Q1); +2.0% jobs and +1.0% average weekly wage over the year
- 29th pct · 2,269th of 3,221 US counties · median 8,232
- 40th pct · 72nd of 120 Kentucky counties · median 5,237
| Item | Value | Distance |
|---|---|---|
| Clinton County, KY | 3,698 jobs · $791/wk · +2.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 422 | $511 | 1.17 | -1.2% |
| Health care and social assistance | 325 | $1,034 | 0.58 | -5.0% |
| Transportation and warehousing | 175 | $687 | 1.12 | +0.0% |
| Accommodation and food services | 158 | $329 | 0.48 | +4.6% |
| Arts, entertainment and recreation | 69 | $536 | 1.13 | +15.0% |
| Construction | 60 | $807 | 0.31 | +3.4% |
| Administrative and waste services | 44 | $453 | 0.21 | -22.8% |
| Professional and technical services | 34 | $1,217 | 0.13 | +13.3% |
| Agriculture, forestry, fishing | 15 | $844 | 0.56 | +25.0% |
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Manufacturing | withheld |
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 #
30 gauges · 0 flooding · 9 with quality panels averaging 100 % · 9 stale
Sites found: 30, 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 |
|---|---|---|
| Cumberland River at Lake Cumberland | no flooding | 16 km |
| CUMBERLAND RIVER NEAR ROWENA, KY | stage 9.77 ft · quality 100 % (2) · STALE | 17 km |
| CUMBERLAND RIVER AT LONG BOTTOM NEAR ROWENA, KY | stage 7.44 ft · quality 100 % (2) | 17 km |
| WOLF RIVER NEAR BYRDSTOWN, TN | flow 8.67 ft³/s | 19 km |
| CUMBERLAND RIVER AT BURKESVILLE, KY | flow 5,650 ft³/s · no flooding | 21 km |
| BEAVER CREEK NEAR MONTICELLO, KY | flow 2.39 ft³/s | 23 km |
| CROCUS CREEK NEAR AMANDAVILLE, KY | flow 5.12 ft³/s | 25 km |
| MARROWBONE CK AT MUD CAMP RD AT WATERVIEW, KY | stage 5.84 ft | 30 km |
| EAST FORK OBEY RIVER NEAR JAMESTOWN, TN | flow 12.7 ft³/s · STALE | 36 km |
| WEST FORK OBEY RIVER NEAR ALPINE, TN | flow 4.27 ft³/s | 37 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 #
5 wells in 0 named aquifers:
Sites found: 5, 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-363304084475600 | depth 100.7 ft · 2026-10-05 | 36 km |
| USGS-370134085340601 | depth 84.1 ft · 1980-08-28 | 51 km |
| USGS-370211085364301 | depth 76.0 ft · 1983-04-05 | 55 km |
| USGS-365138084264101 | depth 24.1 ft · 1984-08-26 | 63 km |
| USGS-365853085495801 | depth 24.7 ft · 1984-10-30 | 68 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 + 0.2×0.00 / 0.55
Banks & federal dollars #
$263.5 m in deposits at 4 offices of 3 banks (SOD June 2026); HHI 3,746, highly concentrated. $57.8 m federal obligations in FY2026 (direct payments $57.5 m, grants $362,690), $15,640 per covered job
| Item | Value | Distance |
|---|---|---|
| First & Farmers National Bank, Inc. | $131.3 m · 49.8% share · 2 offices | |
| People's Bank and Trust Company of Pickett County | $70.2 m · 26.6% share · 1 office | |
| The Monticello Banking Company | $62.0 m · 23.5% share · 1 office | |
| Clinton, KY | $57.8 m FY2026 · $15,640/job | |
| MULTIPLE RECIPIENTS | $54.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First & Farmers National Bank, Inc. | $131,270,000 | 49.8% | 2 |
| People's Bank and Trust Company of Pickett County | $70,202,000 | 26.6% | 1 |
| The Monticello Banking Company | $62,012,000 | 23.5% | 1 |
Deposit concentration is 3,746 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 = 49.8² + 26.6² + 23.5² = 3,746
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 | $48,595,640 |
| Department of Veterans Affairs | $5,024,010 |
| Department of Agriculture | $3,039,613 |
| Department of Transportation | $375,094 |
| Department of Housing and Urban Development | $371,849 |
| Railroad Retirement Board | $279,362 |
| Department of Health and Human Services | $78,441 |
| Federal Communications Commission | $73,781 |
| Department of Defense | -$438 |
That is $15,640 per covered job, against 3,698 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $57.8 m / 3,698 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,640
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 | -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 #
Clinton County, KY: 10 findings, 1 at an alert level, 2 at a watch level and 7 noted
alertClinton County, KY's typical home value is -10.6% 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 = -10.578407703835968 <= -5
arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, not an official level
watchClinton County, KY's typical home value is -10.6% 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 = -10.578407703835968 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchClinton County, KY's typical home value is -1.4% against the previous month, a watch level here: typical home value at least 1 percent below the previous month (arithmetic on the Zillow ZHVI month columns; 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.momPct = -1.3619776723208905 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZHVI month columns; convention chosen for this dashboard, not an official level
noteClinton County, KY's covered employment was 2.0% 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
- +2 % = 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
noteClinton County, KY's typical home value fell 1.4% from $154,004 in July 2026 to $151,907 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -1.4% = (151906.90447535986 - 154004.4101560751) / 154004.4101560751 × 100
- 151906.90447535986 = Zillow ZHVI, 2026-08
- 154004.4101560751 = Zillow ZHVI, 2026-07
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.