Jessamine County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.87, -84.58.
Assembled 2026-10-06. Read the brief.
- 75th pct · 752nd of 3,063 US counties · median $234,566
- 94th pct · 7th of 120 Kentucky counties · median $181,373
- 40th pct · 4th of 6 counties in the Lexington-Fayette metro · median $330,258
- 44th pct · 1,701st of 3,063 US counties · median +2.9%
- 84th pct · 20th of 120 Kentucky counties · median -2.1%
- 40th pct · 4th of 6 counties in the Lexington-Fayette metro · median +2.9%
- 48th pct · 727th of 1,399 US counties · median $1,496
- 70th pct · 10th of 32 Kentucky counties · median $1,250
- 25th pct · 4th of 5 counties in the Lexington-Fayette metro · median $1,488
- 69th pct · 968th of 3,221 US counties · median 8,232
- 84th pct · 20th of 120 Kentucky counties · median 5,237
- 60th pct · 3rd of 6 counties in the Lexington-Fayette metro · median 16,249
- 61st pct · 1,225th of 3,221 US counties · median $1,039
- 74th pct · 31st of 120 Kentucky counties · median $953
- 40th pct · 4th of 6 counties in the Lexington-Fayette metro · median $1,116
- 75th pct · 738th of 3,063 US counties · median 4.3
- 96th pct · 5th of 120 Kentucky counties · median 3.6
- 80th pct · 2nd of 6 counties in the Lexington-Fayette metro · median 4.7
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 $327,671 (Aug 2026), +2.5% over one year, +34.9% over five
- 75th pct · 752nd of 3,063 US counties · median $234,566
- 94th pct · 7th of 120 Kentucky counties · median $181,373
- 40th pct · 4th of 6 counties in the Lexington-Fayette metro · median $330,258
| Item | Value | Distance |
|---|---|---|
| Jessamine County, KY | $327,671 · +2.5% 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 $1,480/mo (Aug 2026), +4.2% over one year; price-to-rent 18.4
- 48th pct · 727th of 1,399 US counties · median $1,496
- 70th pct · 10th of 32 Kentucky counties · median $1,250
- 25th pct · 4th of 5 counties in the Lexington-Fayette metro · median $1,488
| Item | Value | Distance |
|---|---|---|
| Jessamine County, KY | $1,480/mo · +4.2% 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 $1,794 a month on $327,671 at 7.28%, against an average weekly wage worth $4,758 a month: 37.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $327,671 × 80% = $262,137, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,794/mo principal and interest
- wage share = payment / (avg weekly wage $1,098 × 52 / 12 = $4,758) = 38% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $327,671 / ($1,098 × 52) = 5.7
- price-to-rent = $327,671 / ($1,480 × 12) = 18.4
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 #
18,867 jobs at 2,090 employers (2026 Q1); -1.0% jobs and +3.2% average weekly wage over the year
- 69th pct · 968th of 3,221 US counties · median 8,232
- 84th pct · 20th of 120 Kentucky counties · median 5,237
- 60th pct · 3rd of 6 counties in the Lexington-Fayette metro · median 16,249
| Item | Value | Distance |
|---|---|---|
| Jessamine County, KY | 18,867 jobs · $1,098/wk · -1.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 2,860 | $783 | 1.56 | -3.2% |
| Manufacturing | 2,227 | $1,596 | 1.47 | +0.0% |
| Accommodation and food services | 1,904 | $422 | 1.12 | +5.2% |
| Health care and social assistance | 1,747 | $1,086 | 0.62 | +3.7% |
| Construction | 1,531 | $1,247 | 1.55 | -6.2% |
| Wholesale trade | 1,018 | $1,577 | 1.41 | -12.8% |
| Administrative and waste services | 833 | $1,322 | 0.78 | +11.4% |
| Educational services | 832 | $765 | 2.05 | +6.0% |
| Professional and technical services | 620 | $1,913 | 0.48 | -2.1% |
| Other services | 548 | $853 | 0.97 | -3.9% |
| Arts, entertainment and recreation | 406 | $850 | 1.31 | -2.4% |
| Finance and insurance | 351 | $1,585 | 0.46 | +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 #
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 #
$953.6 m in deposits at 16 offices of 11 banks (SOD June 2026); HHI 1,508, moderately concentrated. $351.4 m federal obligations in FY2026 (direct payments $299.0 m, grants $30.0 m), $18,623 per covered job
| Item | Value | Distance |
|---|---|---|
| The Farmers Bank | $250.7 m · 26.3% share · 4 offices | |
| Central Bank & Trust Co. | $170.8 m · 17.9% share · 2 offices | |
| WesBanco Bank, Inc. | $117.0 m · 12.3% share · 1 office | |
| Jessamine, KY | $351.4 m FY2026 · $18,623/job | |
| MULTIPLE RECIPIENTS | $292.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Farmers Bank | $250,684,000 | 26.3% | 4 |
| Central Bank & Trust Co. | $170,844,000 | 17.9% | 2 |
| WesBanco Bank, Inc. | $117,039,000 | 12.3% | 1 |
| PNC Bank, National Association | $95,601,000 | 10.0% | 1 |
| City National Bank of West Virginia | $93,016,000 | 9.8% | 1 |
| First Southern National Bank | $72,616,000 | 7.6% | 1 |
| JPMorgan Chase Bank, National Association | $65,324,000 | 6.9% | 1 |
| Stock Yards Bank & Trust Company | $60,511,000 | 6.3% | 2 |
| The Citizens National Bank of Somerset | $17,554,000 | 1.8% | 1 |
| The Monticello Banking Company | $8,401,000 | 0.9% | 1 |
Deposit concentration is 1,508 across 11 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 26.3² + 17.9² + 12.3² + … (8 more) = 1,508
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 | $263,375,753 |
| Department of Veterans Affairs | $41,274,034 |
| Department of Education | $19,125,200 |
| Department of Homeland Security | $17,936,077 |
| Department of the Interior | $1,932,707 |
| Department of Agriculture | $1,931,361 |
| Department of Housing and Urban Development | $1,433,203 |
| General Services Administration | $1,307,691 |
| Department of Defense | $854,724 |
| Railroad Retirement Board | $813,330 |
| Department of Transportation | $782,475 |
| Federal Communications Commission | $497,206 |
That is $18,623 per covered job, against 18,867 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $351.4 m / 18,867 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,623
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 #
Jessamine County, KY: 9 findings, 2 at a watch level and 7 noted
watchJessamine County, KY's covered employment is -1.0% 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 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchJessamine County, KY's typical home value of +2.5% scores 44 on the 0-to-100 scale across US counties but 84 across Kentucky counties, a gap of 40 points.
Period 2026-08.Show the arithmetic
- 40 = |44 across US counties - 84 across Kentucky counties|
position among the entities that published this metric this period; not an official level
noteJessamine County, KY's average weekly wage was 3.2% 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
- +3.2 % = 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
noteJessamine County, KY's covered employment was 1.0% 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 % = 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
noteJessamine County, KY's typical asking rent rose 0.7% from $1,470 in July 2026 to $1,480 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.7% = (1480.337037037037 - 1469.5833477348754) / 1469.5833477348754 × 100
- 1480.337037037037 = Zillow ZORI, 2026-08
- 1469.5833477348754 = Zillow ZORI, 2026-07
Read all 9 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.