Garrard County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.63, -84.55.
Assembled 2026-10-06. Read the brief.
- 56th pct · 1,320th of 3,063 US counties · median $234,566
- 81st pct · 23rd of 120 Kentucky counties · median $181,373
- 32nd pct · 2,071st of 3,063 US counties · median +2.9%
- 76th pct · 29th of 120 Kentucky counties · median -2.1%
- US counties: not published this period
- Kentucky counties: not published this period
- 22nd pct · 2,504th of 3,221 US counties · median 8,232
- 27th pct · 87th of 120 Kentucky counties · median 5,237
- 24th pct · 2,418th of 3,221 US counties · median $1,039
- 42nd pct · 69th of 120 Kentucky counties · median $953
- 68th pct · 962nd of 3,063 US counties · median 4.3
- 91st pct · 11th 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 $254,124 (Aug 2026), +1.4% over one year, +34.8% over five
- 56th pct · 1,320th of 3,063 US counties · median $234,566
- 81st pct · 23rd of 120 Kentucky counties · median $181,373
| Item | Value | Distance |
|---|---|---|
| Garrard County, KY | $254,124 · +1.4% 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 $1,391 a month on $254,124 at 7.28%, against an average weekly wage worth $4,021 a month: 34.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $254,124 × 80% = $203,300, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,391/mo principal and interest
- wage share = payment / (avg weekly wage $928 × 52 / 12 = $4,021) = 35% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $254,124 / ($928 × 52) = 5.3
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 #
2,726 jobs at 453 employers (2026 Q1); +0.5% jobs and +4.4% average weekly wage over the year
- 22nd pct · 2,504th of 3,221 US counties · median 8,232
- 27th pct · 87th of 120 Kentucky counties · median 5,237
| Item | Value | Distance |
|---|---|---|
| Garrard County, KY | 2,726 jobs · $928/wk · +0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Construction | 474 | $1,400 | 3.32 | +2.2% |
| Retail trade | 352 | $667 | 1.33 | -7.9% |
| Professional and technical services | 122 | $1,364 | 0.65 | +15.1% |
| Administrative and waste services | 99 | $996 | 0.64 | +16.5% |
| Wholesale trade | 68 | $1,306 | 0.65 | -8.1% |
| Other services | 65 | $886 | 0.80 | -5.8% |
| Finance and insurance | 48 | $1,112 | 0.43 | +0.0% |
| Real estate and rental | 22 | $662 | 0.53 | +4.8% |
| Agriculture, forestry, fishing | withheld | |||
| 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 #
52 gauges · 0 flooding · 9 with quality panels averaging 97 % · 13 stale
Sites found: 52, 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 |
|---|---|---|
| DIX RIVER NEAR DANVILLE, KY | flow 15.0 ft³/s | 10 km |
| KENTUCKY RIVER AT LOCK 8 NEAR CAMP NELSON, KY | flow 269.0 ft³/s · no flooding | 13 km |
| CLARKS RUN NEAR DANVILLE, KY | flow 2.40 ft³/s · STALE | 15 km |
| SPEARS CREEK AT STREAMLAND DRIVE | flow 1.60 ft³/s · STALE | 21 km |
| Dix River at Herrington Lake | no flooding | 22 km |
| DIX RIVER AT DIX DAM NEAR BURGIN, KY | flow 188.0 ft³/s | 23 km |
| MOCKS BRANCH AT HIGHWAY 1896 | flow 1.20 ft³/s · STALE | 24 km |
| KENTUCKY RIVER AT LOCK 9 AT VALLEY VIEW, KY | flow 175.0 ft³/s · no flooding | 26 km |
| KENTUCKY RIVER AT LOCK 7 AT HIGHBRIDGE, KY | flow 3,560 ft³/s · no flooding | 27 km |
| GREEN RIVER NEAR MCKINNEY, KY | flow 0.26 ft³/s | 29 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-375928084362001 | depth 13.0 ft · 2024-05-16 | 40 km |
| USGS-370757084045001 | depth 43.7 ft · 1984-11-08 | 69 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 (0.01)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.03 / 0.55
Banks & federal dollars #
$198.0 m in deposits at 5 offices of 4 banks (SOD June 2026); HHI 3,137, highly concentrated. $112.7 m federal obligations in FY2026 (direct payments $111.9 m, grants $2.5 m), $41,331 per covered job
| Item | Value | Distance |
|---|---|---|
| First Southern National Bank | $88.4 m · 44.7% share · 1 office | |
| Whitaker Bank | $52.5 m · 26.5% share · 2 offices | |
| The Farmers National Bank of Danville | $35.5 m · 17.9% share · 1 office | |
| Garrard, KY | $112.7 m FY2026 · $41,331/job | |
| MULTIPLE RECIPIENTS | $111.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Southern National Bank | $88,395,000 | 44.7% | 1 |
| Whitaker Bank | $52,503,000 | 26.5% | 2 |
| The Farmers National Bank of Danville | $35,524,000 | 17.9% | 1 |
| First Federal Savings Bank of Kentucky | $21,550,000 | 10.9% | 1 |
Deposit concentration is 3,137 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 = 44.7² + 26.5² + 17.9² + … (1 more) = 3,137
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 | $97,276,769 |
| Department of Veterans Affairs | $12,935,714 |
| Department of Transportation | $2,155,377 |
| Railroad Retirement Board | $814,032 |
| Department of Agriculture | $697,756 |
| Department of Housing and Urban Development | $549,217 |
| Federal Communications Commission | $26,268 |
| Environmental Protection Agency | $0 |
| Department of the Interior | -$1,788,027 |
That is $41,331 per covered job, against 2,726 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $112.7 m / 2,726 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $41,331
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 · % | 73.00 | 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 #
Garrard County, KY: 6 findings, 1 at a watch level and 5 noted
watchGarrard County, KY's typical home value of +1.4% scores 32 on the 0-to-100 scale across US counties but 76 across Kentucky counties, a gap of 44 points.
Period 2026-08.Show the arithmetic
- 44 = |32 across US counties - 76 across Kentucky counties|
position among the entities that published this metric this period; not an official level
noteGarrard County, KY's average weekly wage was 4.4% 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
- +4.4 % = 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
noteGarrard County, KY's typical home value rose 0.5% from $252,780 in July 2026 to $254,124 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.5% = (254124.4062109651 - 252779.90879767112) / 252779.90879767112 × 100
- 254124.4062109651 = Zillow ZHVI, 2026-08
- 252779.90879767112 = Zillow ZHVI, 2026-07
noteGarrard County, KY's covered employment was 0.5% 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
- +0.5 % = 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
noteGarrard County, KY's years of wages of 5.3 ranks 11th of 120 Kentucky counties, against a median of 3.6.
Period 2026-08.Show the arithmetic
- 92 on the 0-to-100 scale across 120 Kentucky counties that published yearsOfWages
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
Read all 6 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.