Grayson County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.46, -86.34.
Assembled 2026-10-06. Read the brief.
- 18th pct · 2,502nd of 3,063 US counties · median $234,566
- 39th pct · 73rd of 120 Kentucky counties · median $181,373
- 0th pct · 3,054th of 3,063 US counties · median +2.9%
- 5th pct · 113th of 120 Kentucky counties · median -2.1%
- US counties: not published this period
- Kentucky counties: not published this period
- 46th pct · 1,730th of 3,221 US counties · median 8,232
- 61st pct · 47th of 120 Kentucky counties · median 5,237
- 14th pct · 2,749th of 3,221 US counties · median $1,039
- 23rd pct · 92nd of 120 Kentucky counties · median $953
- 30th pct · 2,122nd of 3,063 US counties · median 4.3
- 47th pct · 64th 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 $156,564 (Aug 2026), -17.9% over one year, -1.3% over five
- 18th pct · 2,502nd of 3,063 US counties · median $234,566
- 39th pct · 73rd of 120 Kentucky counties · median $181,373
| Item | Value | Distance |
|---|---|---|
| Grayson County, KY | $156,564 · -17.9% 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 $857 a month on $156,564 at 7.28%, against an average weekly wage worth $3,779 a month: 22.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $156,564 × 80% = $125,251, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $857/mo principal and interest
- wage share = payment / (avg weekly wage $872 × 52 / 12 = $3,779) = 23% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $156,564 / ($872 × 52) = 3.5
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 #
7,076 jobs at 714 employers (2026 Q1); -4.5% jobs and -5.3% average weekly wage over the year
- 46th pct · 1,730th of 3,221 US counties · median 8,232
- 61st pct · 47th of 120 Kentucky counties · median 5,237
| Item | Value | Distance |
|---|---|---|
| Grayson County, KY | 7,076 jobs · $872/wk · -4.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,141 | $1,048 | 2.00 | -15.0% |
| Health care and social assistance | 1,090 | $817 | 1.02 | -11.7% |
| Retail trade | 1,043 | $605 | 1.51 | +2.1% |
| Accommodation and food services | 755 | $338 | 1.19 | +0.5% |
| Construction | 406 | $1,725 | 1.09 | +12.8% |
| Wholesale trade | 313 | $1,027 | 1.15 | +8.7% |
| Finance and insurance | 210 | $985 | 0.73 | -3.7% |
| Administrative and waste services | 191 | $698 | 0.47 | -15.1% |
| Other services | 102 | $644 | 0.48 | +3.0% |
| Real estate and rental | 57 | $922 | 0.53 | +5.6% |
| Information | 27 | $1,331 | 0.21 | -6.9% |
| Educational services | 22 | $999 | 0.14 | +15.8% |
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 #
Surface water layer not loaded
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 #
Surface water layer not loaded
Sites found: 0, 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.
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 #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, 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.
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 / 0.35
Banks & federal dollars #
$733.9 m in deposits at 9 offices of 4 banks (SOD June 2026); HHI 3,168, highly concentrated. $558.0 m federal obligations in FY2026 (contracts $379.3 m, direct payments $173.2 m), $78,862 per covered job
| Item | Value | Distance |
|---|---|---|
| The Cecilian Bank | $302.5 m · 41.2% share · 3 offices | |
| Wilson & Muir Bank & Trust Company | $233.3 m · 31.8% share · 3 offices | |
| Bank of Clarkson | $149.7 m · 20.4% share · 2 offices | |
| Grayson, KY | $558.0 m FY2026 · $78,862/job | |
| THALLE - BAUER LLC | $379.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Cecilian Bank | $302,475,000 | 41.2% | 3 |
| Wilson & Muir Bank & Trust Company | $233,252,000 | 31.8% | 3 |
| Bank of Clarkson | $149,715,000 | 20.4% | 2 |
| The Sacramento Deposit Bank | $48,502,000 | 6.6% | 1 |
Deposit concentration is 3,168 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 = 41.2² + 31.8² + 20.4² + … (1 more) = 3,168
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 |
|---|---|
| Department of Defense | $379,327,345 |
| Social Security Administration | $144,390,806 |
| Department of Veterans Affairs | $23,505,534 |
| Department of Transportation | $5,290,340 |
| Department of Agriculture | $2,350,034 |
| Department of Housing and Urban Development | $1,947,860 |
| Railroad Retirement Board | $816,227 |
| Federal Communications Commission | $351,319 |
| Department of Health and Human Services | $50,000 |
That is $78,862 per covered job, against 7,076 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $558.0 m / 7,076 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $78,862
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 #
Grayson County, KY: 16 findings, 2 at an alert level, 4 at a watch level and 10 noted
alertGrayson County, KY's typical home value is -17.9% 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 = -17.89154505686725 <= -5
arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, not an official level
alertGrayson County, KY's covered employment is -4.5% 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 = -4.5 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchGrayson County, KY's typical home value is -17.9% 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 = -17.89154505686725 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchGrayson County, KY's average weekly wage is -5.3% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; 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.avgWeeklyWage = -5.3 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchGrayson County, KY's covered employment is -4.5% 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 = -4.5 < 0
BLS QCEW over-the-year percent change, as published; 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.