Hopkins County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.31, -87.54.
Assembled 2026-10-07. Read the brief.
- 14th pct · 2,631st of 3,063 US counties · median $234,566
- 30th pct · 84th of 120 Kentucky counties · median $181,373
- 1st pct · 3,002nd of 3,063 US counties · median +2.9%
- 25th pct · 90th of 120 Kentucky counties · median -2.1%
- US counties: not published this period
- Kentucky counties: not published this period
- 67th pct · 1,038th of 3,221 US counties · median 8,232
- 81st pct · 23rd of 120 Kentucky counties · median 5,237
- 64th pct · 1,139th of 3,221 US counties · median $1,039
- 78th pct · 27th of 120 Kentucky counties · median $953
- 10th pct · 2,742nd of 3,063 US counties · median 4.3
- 18th pct · 98th 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 $145,102 (Aug 2026), -9.0% over one year, +18.1% over five
- 14th pct · 2,631st of 3,063 US counties · median $234,566
- 30th pct · 84th of 120 Kentucky counties · median $181,373
| Item | Value | Distance |
|---|---|---|
| Hopkins County, KY | $145,102 · -9.0% 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 $794 a month on $145,102 at 7.28%, against an average weekly wage worth $4,823 a month: 16.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $145,102 × 80% = $116,082, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $794/mo principal and interest
- wage share = payment / (avg weekly wage $1,113 × 52 / 12 = $4,823) = 16% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $145,102 / ($1,113 × 52) = 2.5
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 #
17,092 jobs at 1,217 employers (2026 Q1); -1.7% jobs and +1.9% average weekly wage over the year
- 67th pct · 1,038th of 3,221 US counties · median 8,232
- 81st pct · 23rd of 120 Kentucky counties · median 5,237
| Item | Value | Distance |
|---|---|---|
| Hopkins County, KY | 17,092 jobs · $1,113/wk · -1.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 3,177 | $1,463 | 1.24 | +0.0% |
| Manufacturing | 2,068 | $1,475 | 1.50 | +1.6% |
| Retail trade | 1,996 | $602 | 1.20 | -1.4% |
| Transportation and warehousing | 1,491 | $1,045 | 2.07 | -13.1% |
| Accommodation and food services | 1,399 | $358 | 0.91 | -2.7% |
| Construction | 905 | $1,573 | 1.01 | +2.8% |
| Other services | 557 | $758 | 1.09 | +1.1% |
| Professional and technical services | 444 | $1,033 | 0.38 | +1.4% |
| Finance and insurance | 367 | $1,517 | 0.53 | +1.4% |
| Wholesale trade | 346 | $1,261 | 0.53 | +2.7% |
| Real estate and rental | 117 | $837 | 0.45 | -2.5% |
| Information | 76 | $1,512 | 0.24 | +31.0% |
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 #
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 #
$1.0 bn in deposits at 14 offices of 9 banks (SOD June 2026); HHI 1,767, moderately concentrated. $335.6 m federal obligations in FY2026 (direct payments $301.7 m, grants $27.9 m), $19,634 per covered job
| Item | Value | Distance |
|---|---|---|
| First United Bank and Trust Company | $312.6 m · 30.0% share · 3 offices | |
| Fifth Third Bank, National Association | $208.9 m · 20.1% share · 1 office | |
| Old National Bank | $120.3 m · 11.6% share · 1 office | |
| Hopkins, KY | $335.6 m FY2026 · $19,634/job | |
| MULTIPLE RECIPIENTS | $291.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First United Bank and Trust Company | $312,611,000 | 30.0% | 3 |
| Fifth Third Bank, National Association | $208,948,000 | 20.1% | 1 |
| Old National Bank | $120,263,000 | 11.6% | 1 |
| Independence Bank of Kentucky | $112,719,000 | 10.8% | 2 |
| U.S. Bank National Association | $101,871,000 | 9.8% | 2 |
| Farmers Bank and Trust Company | $88,524,000 | 8.5% | 1 |
| Planters Bank, Inc. | $59,244,000 | 5.7% | 1 |
| First Financial Bank, National Association | $34,950,000 | 3.4% | 2 |
| Woodforest National Bank | $1,946,000 | 0.2% | 1 |
Deposit concentration is 1,767 across 9 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 30.0² + 20.1² + 11.6² + … (6 more) = 1,767
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 | $253,443,648 |
| Department of Veterans Affairs | $42,052,991 |
| Department of Transportation | $14,000,683 |
| Department of Education | $6,502,433 |
| Department of Defense | $5,706,741 |
| Department of Housing and Urban Development | $3,754,755 |
| Railroad Retirement Board | $3,626,225 |
| Department of Agriculture | $2,990,014 |
| Department of Health and Human Services | $1,957,569 |
| Federal Communications Commission | $1,370,964 |
| Department of the Interior | $112,085 |
| Department of Homeland Security | $48,419 |
That is $19,634 per covered job, against 17,092 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $335.6 m / 17,092 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,634
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 | 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 | 96.16 | 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 #
Hopkins County, KY: 12 findings, 1 at an alert level, 3 at a watch level and 8 noted
alertHopkins County, KY's typical home value is -9.0% 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 = -8.977190128401888 <= -5
arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, not an official level
watchHopkins County, KY's typical home value is -9.0% 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 = -8.977190128401888 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchHopkins 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
watchHopkins County, KY's momentum index is -0.42, a watch level here: momentum index in the cooling band (the cooling band of the momentum index computed here, score at or below -0.25; 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: momentum = -0.4237047496298706 <= -0.25
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
the cooling band of the momentum index computed here, score at or below -0.25; convention chosen for this dashboard, not an official level
noteHopkins County, KY's average weekly wage was 1.9% 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
- +1.9 % = 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
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.