Grant County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.65, -84.63.
Assembled 2026-10-08. Read the brief.
- 63rd pct · 1,114th of 3,063 US counties · median $234,566
- 88th pct · 15th of 120 Kentucky counties · median $181,373
- 35th pct · 10th of 15 counties in the Cincinnati metro · median $287,730
- 52nd pct · 1,451st of 3,063 US counties · median +2.9%
- 87th pct · 16th of 120 Kentucky counties · median -2.1%
- 50th pct · 8th of 15 counties in the Cincinnati metro · median +3.2%
- 25th pct · 1,040th of 1,399 US counties · median $1,496
- 48th pct · 17th of 32 Kentucky counties · median $1,250
- 0th pct · 8th of 8 counties in the Cincinnati metro · median $1,514
- 39th pct · 1,948th of 3,221 US counties · median 8,232
- 54th pct · 55th of 120 Kentucky counties · median 5,237
- 35th pct · 10th of 15 counties in the Cincinnati metro · median 14,828
- 34th pct · 2,101st of 3,221 US counties · median $1,039
- 52nd pct · 57th of 120 Kentucky counties · median $953
- 28th pct · 11th of 15 counties in the Cincinnati metro · median $1,184
- 72nd pct · 856th of 3,063 US counties · median 4.3
- 94th pct · 8th of 120 Kentucky counties · median 3.6
- 57th pct · 7th of 15 counties in the Cincinnati metro · median 5.2
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 $277,041 (Aug 2026), +3.2% over one year, +32.2% over five
- 63rd pct · 1,114th of 3,063 US counties · median $234,566
- 88th pct · 15th of 120 Kentucky counties · median $181,373
- 35th pct · 10th of 15 counties in the Cincinnati metro · median $287,730
| Item | Value | Distance |
|---|---|---|
| Grant County, KY | $277,041 · +3.2% 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 $1,248/mo (Aug 2026), n/a over one year; price-to-rent 18.5
- 25th pct · 1,040th of 1,399 US counties · median $1,496
- 48th pct · 17th of 32 Kentucky counties · median $1,250
- 0th pct · 8th of 8 counties in the Cincinnati metro · median $1,514
| Item | Value | Distance |
|---|---|---|
| Grant County, KY | $1,248/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 $1,516 a month on $277,041 at 7.28%, against an average weekly wage worth $4,203 a month: 36.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $277,041 × 80% = $221,633, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,516/mo principal and interest
- wage share = payment / (avg weekly wage $970 × 52 / 12 = $4,203) = 36% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $277,041 / ($970 × 52) = 5.5
- price-to-rent = $277,041 / ($1,248 × 12) = 18.5
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 #
5,453 jobs at 678 employers (2026 Q1); +1.4% jobs and +9.1% average weekly wage over the year
- 39th pct · 1,948th of 3,221 US counties · median 8,232
- 54th pct · 55th of 120 Kentucky counties · median 5,237
- 35th pct · 10th of 15 counties in the Cincinnati metro · median 14,828
| Item | Value | Distance |
|---|---|---|
| Grant County, KY | 5,453 jobs · $970/wk · +1.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 970 | $332 | 1.98 | -0.7% |
| Retail trade | 897 | $759 | 1.69 | +0.2% |
| Manufacturing | 480 | $1,240 | 1.09 | -4.4% |
| Construction | 370 | $1,518 | 1.29 | +0.0% |
| Professional and technical services | 257 | $2,048 | 0.68 | +17.4% |
| Other services | 138 | $827 | 0.85 | +2.2% |
| Wholesale trade | 104 | $1,789 | 0.50 | +6.1% |
| Finance and insurance | 102 | $1,257 | 0.46 | +27.5% |
| Real estate and rental | 55 | $960 | 0.66 | +7.8% |
| Arts, entertainment and recreation | 55 | $280 | 0.61 | +31.0% |
| Information | 22 | $1,640 | 0.22 | +0.0% |
| Unclassified | 3 | $1,342 | 0.26 | +0.0% |
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 #
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 #
88 gauges · 0 flooding · 15 with quality panels averaging 92 % · 27 stale
Sites found: 88, 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 |
|---|---|---|
| W Fk Mill Creek at Hille Park at Cincinnati OH | flow 0.71 ft³/s · quality 70 % (5) · STALE | 56 km |
| EAGLE CREEK AT GLENCOE, KY | flow 0.04 ft³/s | 18 km |
| CRUISES CREEK AT HWY 17 NR PINER, KY | flow 17.0 ft³/s · quality 90 % (5) · STALE | 23 km |
| MUD LICK CR AT HWY 42 NR BEAVERLICK, KY | flow 5.41 ft³/s | 23 km |
| SOUTH FORK LICKING RIVER AT HAYES, KY | flow 6.18 ft³/s | 24 km |
| LICKING RIVER AT CATAWBA, KY | flow 124.0 ft³/s | 28 km |
| EAGLE CREEK AT SADIEVILLE, KY | flow 0.07 ft³/s | 30 km |
| LICKING RIVER AT MCKINNEYSBURG, KY | flow 123.0 ft³/s | 32 km |
| OHIO RIVER AT MARKLAND DAM NEAR WARSAW, KY | flow 34,600 ft³/s · quality 100 % (4) | 33 km |
| LICKING RIVER AT HWY 536 NEAR ALEXANDRIA, KY | flow 115.0 ft³/s · quality 100 % (5) | 34 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 #
24 wells in 1 named aquifer: Sand and gravel aquifers (glaciated regions)
Sites found: 24, 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-385144084133900 | depth 42.4 ft · 1982-10-27 | 42 km |
| USGS-390438084310701 | depth 34.2 ft · 2018-08-02 | 48 km |
| USGS-390529084330701 | depth 58.5 ft · 2019-09-19 | 50 km |
| USGS-390507084302101 | depth 47.6 ft · 2016-10-16 | 50 km |
| USGS-390612084290601 | depth 72.6 ft · 2019-04-18 | 52 km |
| USGS-390653084485700 | depth 52.8 ft · 1982-08-25 | 54 km |
| Sand and gravel aquifers (glaciated regions) | depth 34.1 ft · 2026-08-19 | 60 km |
| USGS-391201084281600 | depth 35.9 ft · 2010-09-13 | 63 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 (0.03)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.08 / 0.55
Banks & federal dollars #
$380.2 m in deposits at 6 offices of 3 banks (SOD June 2026); HHI 5,076, highly concentrated. $151.8 m federal obligations in FY2026 (direct payments $148.2 m, grants $3.3 m), $27,841 per covered job
| Item | Value | Distance |
|---|---|---|
| Forcht Bank, National Association | $255.3 m · 67.2% share · 3 offices | |
| Heritage Bank, Inc. | $76.3 m · 20.1% share · 2 offices | |
| Truist Bank | $48.6 m · 12.8% share · 1 office | |
| Grant, KY | $151.8 m FY2026 · $27,841/job | |
| MULTIPLE RECIPIENTS | $147.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Forcht Bank, National Association | $255,303,000 | 67.2% | 3 |
| Heritage Bank, Inc. | $76,283,000 | 20.1% | 2 |
| Truist Bank | $48,583,000 | 12.8% | 1 |
Deposit concentration is 5,076 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 = 67.2² + 20.1² + 12.8² = 5,076
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 | $129,539,613 |
| Department of Veterans Affairs | $15,192,632 |
| Railroad Retirement Board | $2,854,819 |
| Department of Transportation | $1,626,632 |
| Department of Health and Human Services | $1,082,867 |
| Department of Housing and Urban Development | $555,375 |
| Department of Agriculture | $447,838 |
| Federal Communications Commission | $259,754 |
| Department of Defense | $257,708 |
That is $27,841 per covered job, against 5,453 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $151.8 m / 5,453 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $27,841
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 | 11.67 | 2026-10-06 | -8.0% |
| 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 | 2026-10-07 | +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 | 96.24 | 2026-10-06 | +0.1% |
| 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 #
Grant County, KY: 12 findings, 1 at a watch level and 11 noted
watchGrant County, KY's typical home value of +3.2% scores 53 on the 0-to-100 scale across US counties but 87 across Kentucky counties, a gap of 35 points.
Period 2026-08.Show the arithmetic
- 35 = |53 across US counties - 87 across Kentucky counties|
position among the entities that published this metric this period; not an official level
noteGrant County, KY's average weekly wage was 9.1% 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
- +9.1 % = 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
noteGrant County, KY's covered employment was 1.4% 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
- +1.4 % = 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
notetypical asking rent (rent.latest) and typical asking rent (rent.momPct) for Grant County, KY could not be lined up against the previous published period this run, so no change is printed for them.
Show the arithmetic
- not comparable this run: rent.latest, rent.momPct
the two newest month columns in the published file are not the two this table carries
noteGrant County, KY's price-to-rent ratio of 18.5 ranks 1st of 8 counties in the Cincinnati metro, against a median of 17.2.
Period 2026-08.Show the arithmetic
- 100 on the 0-to-100 scale across 8 counties in the Cincinnati metro that published priceToRent
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
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.