FIPS 21117, KY

Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.94, -84.53.

Assembled 2026-10-02. Read the brief.

Typical home value
$287,730
as of August 2026
  • 66th pct · 1,029th of 3,063 US counties · median $234,566
Home value, one year
+2.1%
as of August 2026
  • 40th pct · 1,836th of 3,063 US counties · median +2.9%
Typical rent
$1,521
as of August 2026
  • 52nd pct · 666th of 1,399 US counties · median $1,496
Jobs
75,074
as of 2026 Q1-01
  • 88th pct · 375th of 3,221 US counties · median 8,232
Average weekly wage
$1,475
as of 2026 Q1-01
  • 91st pct · 261st of 3,221 US counties · median $1,039
Years of wages per home
3.8
  • 38th pct · 1,897th of 3,063 US counties · median 4.3

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 #

currentas of 2026 Q1retrieved 2026-10-02

Typical home $287,730 (Aug 2026), +2.1% over one year, +25.1% over five

  • 66th pct · 1,029th of 3,063 US counties · median $234,566
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.
ItemValueDistance
Kenton County$287,730 · +2.1% 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 #

currentas of 2026 Q1retrieved 2026-10-02

Typical rent $1,521/mo (Aug 2026), +3.7% over one year; price-to-rent 15.8

  • 52nd pct · 666th of 1,399 US counties · median $1,496
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
ItemValueDistance
Kenton County$1,521/mo · +3.7% 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 #

currentretrieved 2026-10-02

Principal and interest of $1,575 a month on $287,730 at 7.28%, against an average weekly wage worth $6,392 a month: 24.6% of one job’s pay.

  • payment = P·r / (1 − (1+r)^−n), P = $287,730 × 80% = $230,184, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,575/mo principal and interest
  • wage share = payment / (avg weekly wage $1,475 × 52 / 12 = $6,392) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
  • years of wages = $287,730 / ($1,475 × 52) = 3.8
  • price-to-rent = $287,730 / ($1,521 × 12) = 15.8

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 #

currentas of 2026 Q1retrieved 2026-10-02

75,074 jobs at 6,288 employers (2026 Q1); +0.4% jobs and +4.4% average weekly wage over the year

  • 88th pct · 375th of 3,221 US counties · median 8,232
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.
ItemValueDistance
Kenton County75,074 jobs · $1,475/wk · +0.4% YoY
BLS QCEW, all ownerships, third month of the quarter. A location quotient of 1.00 means this county has the national share of its jobs in that sector; 2.00 means twice it. A withheld row is a BLS disclosure code N: the cell is absent, not zero.
NAICS sectorJobsAvg weekly wageLocation quotientJobs over the year
Health care and social assistance13,057$1,4321.16+1.5%
Accommodation and food services7,713$4901.14+4.4%
Manufacturing7,122$2,0611.18-2.1%
Retail trade5,667$7720.77-1.3%
Transportation and warehousing5,125$1,5081.62-9.1%
Professional and technical services4,615$1,9850.89+7.6%
Finance and insurance4,355$2,8531.42+6.7%
Administrative and waste services3,665$1,0670.86+8.2%
Management of companies3,193$2,4112.54+6.4%
Wholesale trade2,174$2,1500.76-6.4%
Other services2,154$9160.96-0.1%
Real estate and rental1,131$1,3180.98+7.1%

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.

Water #

unavailableretrieved 2026-10-02County 21117 has no centroid in the offline manifest yet, and the water report is a search around a point.

Banks & federal dollars #

currentretrieved 2026-10-02

$4.2 bn in deposits at 45 offices of 18 banks (SOD June 2026); HHI 1,235, moderately concentrated. $1.0 bn federal obligations in FY2026 (direct payments $860.6 m, grants $107.3 m), $13,775 per covered job

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.
ItemValueDistance
Fifth Third Bank, National Association$881.7 m · 20.9% share · 5 offices
U.S. Bank National Association$699.7 m · 16.6% share · 7 offices
Heritage Bank, Inc.$540.9 m · 12.8% share · 5 offices
Kenton, KY$1.0 bn FY2026 · $13,775/job
FDIC Summary of Deposits, June 2026. These are institution offices, not people: the row is a bank's presence in the county.
InstitutionDepositsShareOffices
Fifth Third Bank, National Association$881,705,00020.9%5
U.S. Bank National Association$699,668,00016.6%7
Heritage Bank, Inc.$540,876,00012.8%5
The Huntington National Bank$496,641,00011.8%5
Truist Bank$484,296,00011.5%4
PNC Bank, National Association$265,954,0006.3%3
First Financial Bank$176,099,0004.2%2
Republic Bank & Trust Company$121,862,0002.9%2
Central Bank & Trust Co.$109,142,0002.6%2
Guardian Savings Bank$104,051,0002.5%1

Deposit concentration is 1,235 across 17 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.

HHI = Σ (share %)² over 17 banks with deposits in the county = 20.9² + 16.6² + 12.8² + … (14 more) = 1,235

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 #

unavailableretrieved 2026-10-02USAspending did not return a recipient, agency and NAICS breakdown for this county.

That is $13,775 per covered job, against 75,074 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $1.0 bn / 75,074 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $13,775

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 #

currentretrieved 2026-10-02

These are United States, single-gauge, single-state and port series. None of them is keyed to this county.

The national indicator set, unfiltered by place.
SeriesLatestAs ofChange
Mississippi River at Memphis, stage · ftnot publishednot published
Mississippi River at St. Louis, stage · ftnot publishednot published
Ohio River at Louisville, stage · ft16.502026-09-30-11.7%
Missouri River at St. Joseph, stage · ftnot publishednot published
Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s5,170.002026-02-05-25.3%
Texas reservoirs, statewide percent full · %71.302026-10-01+0.1%
Laredo truck crossings, monthly · trucks258,700.002026-08-01-0.4%
Los Angeles + Long Beach container volume, annual · TEU10,513,167.002023-01-01-13.5%
Containerships waiting for a berth, all US ports · ships6.002026-09-22-14.3%
Shanghai to Los Angeles container rate · $ per 40 ft box6,830.002026-08-01+7.4%
US diesel retail price · $ per gallonunavailablenot published
WTI crude oil, spot · $ per barrel96.162026-09-29-3.2%
30-year fixed mortgage rate · %7.282026-10-01+3.6%
Housing starts, annual rate · thousands of units1,275.002026-08-01-2.6%
Building permits, annual rate · thousands of units1,403.002026-08-01-2.1%
Case-Shiller US home price index · index, Jan 2000 = 100337.312026-07-01+0.1%
Unemployment rate · %4.102026-08-01+0.0%
US goods and services trade balance, monthly · $ millions-88,576.002026-07-01-24.4%
Retail sales excluding food services, monthly · $ millions646,347.002026-08-01+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 #

currentretrieved 2026-10-02

FIPS 21117, KY: 7 findings, 7 noted

  1. noteFIPS 21117, KY's average weekly wage was 4.4% 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
    • +4.4 % = 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

  2. noteFIPS 21117, KY's covered employment was 0.4% 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
    • +0.4 % = 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

  3. noteFIPS 21117, KY's typical asking rent rose 0.4% from $1,515 in July 2026 to $1,521 in August 2026, on Zillow ZORI.

    Period 2026-08.
    Show the arithmetic
    • +0.4% = (1520.8941686367218 - 1515.4451397269709) / 1515.4451397269709 × 100
    • 1520.8941686367218 = Zillow ZORI, 2026-08
    • 1515.4451397269709 = Zillow ZORI, 2026-07
  4. noteFIPS 21117, KY's average weekly wage of $1,475 ranks 261st of 3,221 US counties, against a median of $1,039.

    Period 2026 Q1.
    Show the arithmetic
    • 92 on the 0-to-100 scale across 3221 US counties that published jobs.avgWeeklyWage

    position among the entities that published this metric this period; not an official level

  5. noteThe next Unemployment rate (BLS Employment Situation, monthly) covering FIPS 21117, KY is due between 2026-09-25 and 2026-10-09, estimated from the publisher's past release pattern.

    Show the arithmetic
    • window = 2026-09-25 to 2026-10-09, estimated from the publisher's past release pattern

    estimated from the publisher's past release pattern; not an announced date

Read all 7 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.

Sources #

  • publishedTIGERwebU.S. Census Bureauopen the source
    tigerWMS_Current · retrieved 2026-10-02
  • publishedZillow Home Value Index (ZHVI)Zillow Researchopen the source
    County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv · period 2026-08 · retrieved 2026-10-02
  • publishedZillow Home Value Index (ZHVI)Zillow Researchopen the source
    Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv · period 2026-08 · retrieved 2026-10-02
  • publishedZillow Observed Rent Index (ZORI)Zillow Researchopen the source
    County_zori_uc_sfrcondomfr_sm_month.csv · period 2026-08 · retrieved 2026-10-02
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · price-to-rent = $287,730 / ($1,521 × 12) = 15.8
  • publishedFRED Economic DataFederal Reserve Bank of St. Louisopen the source
    MORTGAGE30US · period 2026-10-01 · retrieved 2026-10-02
  • publishedQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    area 21117, all ownerships, all industries · period 2026-Q1 · retrieved 2026-10-02
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · payment = P·r / (1 − (1+r)^−n), P = $287,730 × 80% = $230,184, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,575/mo principal and interest; wage share = payment / (avg weekly wage $1,475 × 52 / 12 = $6,392) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs); years of wages = $287,730 / ($1,475 × 52) = 3.8; price-to-rent = $287,730 / ($1,521 × 12) = 15.8
  • publishedQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    area 21117, NAICS sectors, private ownership · period 2026-Q1 · retrieved 2026-10-02
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · momentum = 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%); terms home value 1-yr change +2.1% / ±10% × 0.3, rent 1-yr change +3.7% / ±10% × 0.15, jobs over-the-year change +0.4% / ±3% × 0.3, avg weekly wage over-the-year change +4.4% / ±6% × 0.25
  • publishedBankFind Suite APIFederal Deposit Insurance Corporationopen the source
    sod:21117:2026 · period 2026-06-30 · retrieved 2026-10-02
  • estimateBankFind Suite APIFederal Deposit Insurance Corporationopen the source
    sod-hhi:21117:2026 · period 2026-06-30 · retrieved 2026-10-02 · HHI = Σ (share %)² over 17 banks with deposits in the county = 20.9² + 16.6² + 12.8² + … (14 more) = 1,235
  • publishedUSAspending APIU.S. Department of the Treasuryopen the source
    spending_by_geography:county:FY2026 · period FY2026 · retrieved 2026-10-02
  • estimateUSAspending APIU.S. Department of the Treasuryopen the source
    · retrieved 2026-10-02 · per job = FY2026 obligations $1.0 bn / 75,074 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $13,775
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · 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%)
  • estimateQuarterly Census of Employment and WagesU.S. Bureau of Labor Statisticsopen the source
    · retrieved 2026-10-02 · typical home value / (average weekly wage × 52); one average covered job, not a household
  • estimateZillow Home Value Index (ZHVI)Zillow Researchopen the source
    · retrieved 2026-10-02 · month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
  • estimateZillow Observed Rent Index (ZORI)Zillow Researchopen the source
    · retrieved 2026-10-02 · month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns

Citations

  • U.S. Census Bureau. TIGERweb. series tigerWMS_Current. https://tigerweb.geo.census.gov/. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). series County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zhvi/County_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). series Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zhvi/Metro_zhvi_uc_sfrcondo_tier_0.33_0.67_sm_sa_month.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Observed Rent Index (ZORI). series County_zori_uc_sfrcondomfr_sm_month.csv. period 2026-08. https://files.zillowstatic.com/research/public_csvs/zori/County_zori_uc_sfrcondomfr_sm_month.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: price-to-rent = $287,730 / ($1,521 × 12) = 15.8.
  • Federal Reserve Bank of St. Louis. FRED Economic Data. series MORTGAGE30US. period 2026-10-01. https://fred.stlouisfed.org/series/MORTGAGE30US. accessed 2026-10-02.
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. series area 21117, all ownerships, all industries. period 2026-Q1. https://data.bls.gov/cew/data/api/2026/1/area/21117.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: payment = P·r / (1 − (1+r)^−n), P = $287,730 × 80% = $230,184, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,575/mo principal and interest; wage share = payment / (avg weekly wage $1,475 × 52 / 12 = $6,392) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs); years of wages = $287,730 / ($1,475 × 52) = 3.8; price-to-rent = $287,730 / ($1,521 × 12) = 15.8.
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. series area 21117, NAICS sectors, private ownership. period 2026-Q1. https://data.bls.gov/cew/data/api/2026/1/area/21117.csv. accessed 2026-10-02.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: momentum = 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%); terms home value 1-yr change +2.1% / ±10% × 0.3, rent 1-yr change +3.7% / ±10% × 0.15, jobs over-the-year change +0.4% / ±3% × 0.3, avg weekly wage over-the-year change +4.4% / ±6% × 0.25.
  • Federal Deposit Insurance Corporation. BankFind Suite API. series sod:21117:2026. period 2026-06-30. https://banks.data.fdic.gov/api/sod?filters=STCNTYBR%3A21117+AND+YEAR%3A2026&fields=CERT%2CNAMEFULL%2CBRNUM%2CUNINUMBR%2CDEPSUMBR%2CASSET%2CSTCNTYBR%2CCNTYNAMB%2CSTALPBR%2CYEAR%2CSIMS_LATITUDE%2CSIMS_LONGITUDE&format=json&limit=10000. accessed 2026-10-02.
  • Federal Deposit Insurance Corporation. BankFind Suite API. series sod-hhi:21117:2026. period 2026-06-30. https://banks.data.fdic.gov/docs/. accessed 2026-10-02. estimate computed by Embedding Atlas: HHI = Σ (share %)² over 17 banks with deposits in the county = 20.9² + 16.6² + 12.8² + … (14 more) = 1,235.
  • U.S. Department of the Treasury. USAspending API. series spending_by_geography:county:FY2026. period FY2026. https://api.usaspending.gov/api/v2/search/spending_by_geography/. accessed 2026-10-02.
  • U.S. Department of the Treasury. USAspending API. https://api.usaspending.gov/. accessed 2026-10-02. estimate computed by Embedding Atlas: per job = FY2026 obligations $1.0 bn / 75,074 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $13,775.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: 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%).
  • U.S. Bureau of Labor Statistics. Quarterly Census of Employment and Wages. https://www.bls.gov/cew/. accessed 2026-10-02. estimate computed by Embedding Atlas: typical home value / (average weekly wage × 52); one average covered job, not a household.
  • Zillow Research. Zillow Home Value Index (ZHVI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns.
  • Zillow Research. Zillow Observed Rent Index (ZORI). https://www.zillow.com/research/data/. accessed 2026-10-02. estimate computed by Embedding Atlas: month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns.

What these numbers are not

  • County 21117 is not in the offline place manifest yet (21 of about 3,235 counties are), so its name and centroid have to come from upstream at request time.
  • USAspending did not answer for recipients, awarding agencies and NAICS.
  • Obligations are what agencies committed in FY2026 by place of performance: not outlays, and not the recipient's own location.
  • FY2026 closed 2 days ago; agencies report with up to a 45-day lag, so totals are still filling in.
  • The indicator block is the NATIONAL set, filtered only by lens. None of these series is keyed to this place: they are United States, gauge, single-state or port series and they are shown as context, not as this place's own readings.

Page assembled 2026-10-02T03:06:08.619Z. Place identity tables have never been pulled: names, centroids and memberships come from the offline seed, which is complete for states and metropolitan areas and partial for counties.