Graves County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.72, -88.65.
Assembled 2026-10-06. Read the brief.
- 23rd pct · 2,331st of 3,063 US counties · median $234,566
- 44th pct · 67th of 120 Kentucky counties · median $181,373
- 22nd pct · 2,388th of 3,063 US counties · median +2.9%
- 66th pct · 41st of 120 Kentucky counties · median -2.1%
- US counties: not published this period
- Kentucky counties: not published this period
- 59th pct · 1,318th of 3,221 US counties · median 8,232
- 75th pct · 30th of 120 Kentucky counties · median 5,237
- 38th pct · 1,994th of 3,221 US counties · median $1,039
- 54th pct · 55th of 120 Kentucky counties · median $953
- 27th pct · 2,215th of 3,063 US counties · median 4.3
- 42nd pct · 70th 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 $170,617 (Aug 2026), +0.2% over one year, +37.9% over five
- 23rd pct · 2,331st of 3,063 US counties · median $234,566
- 44th pct · 67th of 120 Kentucky counties · median $181,373
| Item | Value | Distance |
|---|---|---|
| Graves County, KY | $170,617 · +0.2% 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 #
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 $934 a month on $170,617 at 7.28%, against an average weekly wage worth $4,273 a month: 21.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $170,617 × 80% = $136,494, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $934/mo principal and interest
- wage share = payment / (avg weekly wage $986 × 52 / 12 = $4,273) = 22% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $170,617 / ($986 × 52) = 3.3
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 #
12,026 jobs at 1,053 employers (2026 Q1); -0.2% jobs and +4.0% average weekly wage over the year
- 59th pct · 1,318th of 3,221 US counties · median 8,232
- 75th pct · 30th of 120 Kentucky counties · median 5,237
| Item | Value | Distance |
|---|---|---|
| Graves County, KY | 12,026 jobs · $986/wk · -0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,361 | $1,012 | 2.44 | +1.4% |
| Retail trade | 1,461 | $730 | 1.25 | -1.3% |
| Health care and social assistance | 1,272 | $1,018 | 0.70 | +0.0% |
| Accommodation and food services | 1,081 | $349 | 1.00 | -1.8% |
| Wholesale trade | 640 | $1,453 | 1.39 | -6.8% |
| Administrative and waste services | 470 | $985 | 0.69 | +4.9% |
| Finance and insurance | 443 | $1,275 | 0.90 | +5.0% |
| Construction | 437 | $1,097 | 0.69 | +0.2% |
| Other services | 371 | $1,238 | 1.03 | +23.7% |
| Professional and technical services | 328 | $1,381 | 0.40 | +3.5% |
| Information | 112 | $1,259 | 0.51 | -0.9% |
| Management of companies | 96 | $1,744 | 0.48 | -1.0% |
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 #
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 #
27 gauges · 0 flooding · 1 with quality panels averaging 100 % · 12 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 |
|---|---|---|
| USGS-03610545 | flow 8.40 ft³/s · STALE | 17 km |
| USGS-07023000 | flow 40.6 ft³/s | 30 km |
| USGS-07024000 | flow 20.5 ft³/s | 30 km |
| USGS-07023700 | flow 35.7 ft³/s | 32 km |
| USGS-03610200 | flow 6.38 ft³/s | 34 km |
| USGS-03610000 | flow 14.0 ft³/s · STALE | 34 km |
| USGS-03611260 | flow 0.51 ft³/s | 36 km |
| USGS-07025400 | flow 160.0 ft³/s | 40 km |
| USGS-03611000 | stage 16.1 ft | 41 km |
| USGS-03611800 | flow 0.27 ft³/s · STALE | 44 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 | 16 km |
| USGS-370444088473801 | depth 61.6 ft · 1984-11-30 | 42 km |
| USGS-370516088504401 | depth 45.1 ft · 1984-11-30 | 44 km |
| USGS-370551088510401 | depth 107.8 ft · 1983-09-13 | 45 km |
| USGS-370109088134901 | depth 44.2 ft · 1983-09-13 | 50 km |
| MO005-364643089212301 | depth 10.8 ft · 2026-10-05 | 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.00 / 0.55
Banks & federal dollars #
$902.8 m in deposits at 11 offices of 7 banks (SOD June 2026); HHI 2,482, highly concentrated. $249.4 m federal obligations in FY2026 (direct payments $221.1 m, grants $27.8 m), $20,742 per covered job
| Item | Value | Distance |
|---|---|---|
| FNB Bank, Inc. | $364.3 m · 40.3% share · 3 offices | |
| First Kentucky Bank, Inc. | $216.0 m · 23.9% share · 3 offices | |
| Community Financial Services Bank | $94.7 m · 10.5% share · 1 office | |
| Graves, KY | $249.4 m FY2026 · $20,742/job | |
| MULTIPLE RECIPIENTS | $214.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| FNB Bank, Inc. | $364,288,000 | 40.3% | 3 |
| First Kentucky Bank, Inc. | $215,971,000 | 23.9% | 3 |
| Community Financial Services Bank | $94,703,000 | 10.5% | 1 |
| Independence Bank of Kentucky | $74,024,000 | 8.2% | 1 |
| Regions Bank | $65,705,000 | 7.3% | 1 |
| U.S. Bank National Association | $56,858,000 | 6.3% | 1 |
| First Community Bank of the Heartland, Inc. | $31,300,000 | 3.5% | 1 |
Deposit concentration is 2,482 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 40.3² + 23.9² + 10.5² + … (4 more) = 2,482
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 | $190,313,670 |
| Department of Transportation | $26,517,420 |
| Department of Veterans Affairs | $21,666,564 |
| Department of Agriculture | $5,113,629 |
| Department of Housing and Urban Development | $3,408,199 |
| Railroad Retirement Board | $1,944,101 |
| Federal Communications Commission | $331,872 |
| Department of Health and Human Services | $93,484 |
| Delta Regional Authority | $59,528 |
| Small Business Administration | $0 |
That is $20,742 per covered job, against 12,026 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $249.4 m / 12,026 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,742
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 #
Graves County, KY: 5 findings, 2 at a watch level and 3 noted
watchGraves 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
watchGraves County, KY's typical home value of +0.2% 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
noteGraves County, KY's average weekly wage was 4.0% 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
- +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
noteGraves County, KY's covered employment was 0.2% 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
- -0.2 % = 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
noteThe next Zillow ZHVI typical home value (monthly) covering Graves County, KY is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.