Henderson County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.79, -87.57.
Assembled 2026-10-06. Read the brief.
- 38th pct · 1,882nd of 3,063 US counties · median $234,566
- 64th pct · 43rd of 120 Kentucky counties · median $181,373
- 36th pct · 1,957th of 3,063 US counties · median +2.9%
- 79th pct · 25th of 120 Kentucky counties · median -2.1%
- 6th pct · 1,309th of 1,399 US counties · median $1,496
- 9th pct · 29th of 32 Kentucky counties · median $1,250
- 69th pct · 987th of 3,221 US counties · median 8,232
- 83rd pct · 21st of 120 Kentucky counties · median 5,237
- 72nd pct · 890th of 3,221 US counties · median $1,039
- 84th pct · 20th of 120 Kentucky counties · median $953
- 29th pct · 2,174th of 3,063 US counties · median 4.3
- 45th pct · 66th 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 $204,687 (Aug 2026), +1.7% over one year, +27.9% over five
- 38th pct · 1,882nd of 3,063 US counties · median $234,566
- 64th pct · 43rd of 120 Kentucky counties · median $181,373
| Item | Value | Distance |
|---|---|---|
| Henderson County, KY | $204,687 · +1.7% 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 $968/mo (Aug 2026), n/a over one year; price-to-rent 17.6
- 6th pct · 1,309th of 1,399 US counties · median $1,496
- 9th pct · 29th of 32 Kentucky counties · median $1,250
| Item | Value | Distance |
|---|---|---|
| Henderson County, KY | $968/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 $1,120 a month on $204,687 at 7.28%, against an average weekly wage worth $5,057 a month: 22.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $204,687 × 80% = $163,750, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,120/mo principal and interest
- wage share = payment / (avg weekly wage $1,167 × 52 / 12 = $5,057) = 22% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $204,687 / ($1,167 × 52) = 3.4
- price-to-rent = $204,687 / ($968 × 12) = 17.6
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 #
18,364 jobs at 1,486 employers (2026 Q1); -1.7% jobs and +3.9% average weekly wage over the year
- 69th pct · 987th of 3,221 US counties · median 8,232
- 83rd pct · 21st of 120 Kentucky counties · median 5,237
| Item | Value | Distance |
|---|---|---|
| Henderson County, KY | 18,364 jobs · $1,167/wk · -1.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 4,779 | $1,557 | 3.23 | -4.1% |
| Retail trade | 1,807 | $681 | 1.01 | -3.8% |
| Accommodation and food services | 1,424 | $366 | 0.86 | -2.5% |
| Construction | 1,012 | $1,431 | 1.05 | +3.3% |
| Wholesale trade | 847 | $1,828 | 1.20 | -4.8% |
| Administrative and waste services | 817 | $790 | 0.78 | -6.8% |
| Finance and insurance | 645 | $1,626 | 0.86 | +3.2% |
| Other services | 642 | $1,015 | 1.17 | +1.3% |
| Professional and technical services | 469 | $1,168 | 0.37 | +4.0% |
| Arts, entertainment and recreation | 237 | $479 | 0.78 | +0.9% |
| Agriculture, forestry, fishing | 148 | $679 | 1.12 | -2.0% |
| Information | 126 | $1,034 | 0.37 | -1.6% |
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 #
$1.2 bn in deposits at 11 offices of 8 banks (SOD June 2026); HHI 2,777, highly concentrated. $311.3 m federal obligations in FY2026 (direct payments $286.8 m, grants $22.2 m), $16,954 per covered job
| Item | Value | Distance |
|---|---|---|
| Stock Yards Bank & Trust Company | $525.0 m · 45.2% share · 3 offices | |
| Independence Bank of Kentucky | $217.7 m · 18.7% share · 2 offices | |
| Fifth Third Bank, National Association | $157.6 m · 13.6% share · 1 office | |
| Henderson, KY | $311.3 m FY2026 · $16,954/job | |
| MULTIPLE RECIPIENTS | $270.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Stock Yards Bank & Trust Company | $525,027,000 | 45.2% | 3 |
| Independence Bank of Kentucky | $217,704,000 | 18.7% | 2 |
| Fifth Third Bank, National Association | $157,622,000 | 13.6% | 1 |
| Old National Bank | $140,311,000 | 12.1% | 1 |
| Farmers Bank and Trust Company | $81,144,000 | 7.0% | 1 |
| U.S. Bank National Association | $27,879,000 | 2.4% | 1 |
| German American Bank | $9,451,000 | 0.8% | 1 |
| First Federal Savings Bank | $2,944,000 | 0.3% | 1 |
Deposit concentration is 2,777 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 45.2² + 18.7² + 13.6² + … (5 more) = 2,777
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 | $247,928,161 |
| Department of Veterans Affairs | $20,562,215 |
| Department of Transportation | $18,860,871 |
| Department of Agriculture | $9,148,384 |
| Department of Housing and Urban Development | $6,964,268 |
| Department of Defense | $2,170,406 |
| Railroad Retirement Board | $1,820,503 |
| Department of Education | $1,775,346 |
| Department of Health and Human Services | $870,768 |
| Federal Communications Commission | $755,912 |
| Delta Regional Authority | $421,050 |
| Small Business Administration | $35,112 |
That is $16,954 per covered job, against 18,364 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $311.3 m / 18,364 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,954
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 #
Henderson County, KY: 10 findings, 2 at a watch level and 8 noted
watchHenderson County, KY's covered employment is -1.7% 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 = -1.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchHenderson County, KY's typical home value of +1.7% scores 36 on the 0-to-100 scale across US counties but 80 across Kentucky counties, a gap of 44 points.
Period 2026-08.Show the arithmetic
- 44 = |36 across US counties - 80 across Kentucky counties|
position among the entities that published this metric this period; not an official level
noteHenderson County, KY's average weekly wage was 3.9% 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
- +3.9 % = 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
noteHenderson County, KY's covered employment was 1.7% 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
- -1.7 % = 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
noteHenderson County, KY's typical asking rent rose 1.2% from $956 in July 2026 to $968 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +1.2% = (968 - 956.4222793001348) / 956.4222793001348 × 100
- 968 = Zillow ZORI, 2026-08
- 956.4222793001348 = Zillow ZORI, 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.