Larue County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.54, -85.70.
Assembled 2026-10-06. Read the brief.
- 45th pct · 1,671st of 3,063 US counties · median $234,566
- 71st pct · 35th of 120 Kentucky counties · median $181,373
- counties in the Elizabethtown metro: Rank context is unavailable: the manifest lists 2 counties in the Elizabethtown metro; fewer than 5 is too few to rank.
- 3rd pct · 2,951st of 3,063 US counties · median +2.9%
- 32nd pct · 81st of 120 Kentucky counties · median -2.1%
- counties in the Elizabethtown metro: Rank context is unavailable: the manifest lists 2 counties in the Elizabethtown metro; fewer than 5 is too few to rank.
- US counties: not published this period
- Kentucky counties: not published this period
- counties in the Elizabethtown metro: Rank context is unavailable: the manifest lists 2 counties in the Elizabethtown metro; fewer than 5 is too few to rank.
- 20th pct · 2,546th of 3,221 US counties · median 8,232
- 26th pct · 89th of 120 Kentucky counties · median 5,237
- counties in the Elizabethtown metro: Rank context is unavailable: the manifest lists 2 counties in the Elizabethtown metro; fewer than 5 is too few to rank.
- 10th pct · 2,898th of 3,221 US counties · median $1,039
- 14th pct · 103rd of 120 Kentucky counties · median $953
- counties in the Elizabethtown metro: Rank context is unavailable: the manifest lists 2 counties in the Elizabethtown metro; fewer than 5 is too few to rank.
- 66th pct · 1,035th of 3,063 US counties · median 4.3
- 89th pct · 13th of 120 Kentucky counties · median 3.6
- counties in the Elizabethtown metro: Rank context is unavailable: the manifest lists 2 counties in the Elizabethtown metro; fewer than 5 is too few to rank.
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 $223,268 (Aug 2026), -5.7% over one year, +28.8% over five
- 45th pct · 1,671st of 3,063 US counties · median $234,566
- 71st pct · 35th of 120 Kentucky counties · median $181,373
- counties in the Elizabethtown metro: Rank context is unavailable: the manifest lists 2 counties in the Elizabethtown metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Larue County, KY | $223,268 · -5.7% 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 #
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
- counties in the Elizabethtown metro: Rank context is unavailable: the manifest lists 2 counties in the Elizabethtown metro; fewer than 5 is too few to rank.
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 $1,222 a month on $223,268 at 7.28%, against an average weekly wage worth $3,636 a month: 33.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $223,268 × 80% = $178,614, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,222/mo principal and interest
- wage share = payment / (avg weekly wage $839 × 52 / 12 = $3,636) = 34% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $223,268 / ($839 × 52) = 5.1
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 #
2,563 jobs at 341 employers (2026 Q1); -2.2% jobs and +1.2% average weekly wage over the year
- 20th pct · 2,546th of 3,221 US counties · median 8,232
- 26th pct · 89th of 120 Kentucky counties · median 5,237
- counties in the Elizabethtown metro: Rank context is unavailable: the manifest lists 2 counties in the Elizabethtown metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Larue County, KY | 2,563 jobs · $839/wk · -2.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 354 | $822 | 1.72 | -1.1% |
| Retail trade | 237 | $597 | 0.95 | -9.2% |
| Accommodation and food services | 227 | $333 | 0.99 | +23.4% |
| Construction | 202 | $1,135 | 1.50 | +8.6% |
| Finance and insurance | 179 | $1,270 | 1.71 | +0.0% |
| Administrative and waste services | 78 | $830 | 0.54 | -55.9% |
| Other services | 55 | $575 | 0.72 | -6.8% |
| Transportation and warehousing | 33 | $719 | 0.31 | -5.7% |
| Arts, entertainment and recreation | 11 | $321 | 0.26 | +22.2% |
| Real estate and rental | 7 | $1,772 | 0.18 | +0.0% |
| Information | 6 | $1,317 | 0.13 | -14.3% |
| Unclassified | 3 | $315 | 0.55 | +200.0% |
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 #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
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 #
51 gauges · 0 flooding · 20 with quality panels averaging 97 % · 13 stale
Sites found: 51, 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.
| Site | Reading | Distance |
|---|---|---|
| NORTH FORK NOLIN RIVER AT HODGENVILLE, KY | stage 4.58 ft | 6 km |
| ROLLING FORK AT NEW HAVEN, KY | flow 11.0 ft³/s | 15 km |
| ROLLING FORK NEAR BOSTON, KY | flow 18.1 ft³/s | 25 km |
| NOLIN RIVER AT WHITE MILLS, KY | flow 55.3 ft³/s | 30 km |
| ROLLING FORK NEAR LEBANON JUNCTION, KY | stage 5.47 ft | 31 km |
| BACON CREEK NEAR PRICEVILLE, KY | flow 11.1 ft³/s | 32 km |
| ROLLING FORK NEAR LEBANON, KY | flow 36.0 ft³/s · STALE | 33 km |
| BEECH FORK AT BARDSTOWN, KY | flow 10.5 ft³/s | 34 km |
| LITTLE PITMAN CREEK NEAR CAMPBELLSVILLE, KY | flow 54.0 ft³/s · STALE | 35 km |
| GREEN RIVER AT MUNFORDVILLE, KY | flow 263.0 ft³/s | 35 km |
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 #
19 wells in 0 named aquifers:
Sites found: 19, 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.
| Site | Reading | Distance |
|---|---|---|
| USGS-374151085413201 | depth 104.3 ft · 2024-05-14 | 17 km |
| USGS-375833085575601 | depth 36.7 ft · 2022-09-07 | 53 km |
| USGS-375817085585801 | depth 33.7 ft · 2017-01-30 | 54 km |
| USGS-375856085581802 | depth 47.4 ft · 2024-03-18 | 54 km |
| USGS-375927085570801 | depth 31.2 ft · 2016-04-20 | 54 km |
| USGS-375920085584301 | depth 28.4 ft · 1998-06-15 | 55 km |
| USGS-375929085583301 | depth 43.3 ft · 2024-09-11 | 55 km |
| USGS-375941085580901 | depth 37.0 ft · 2013-03-06 | 55 km |
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 (0.01)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.03 / 0.55
Banks & federal dollars #
$488.2 m in deposits at 6 offices of 3 banks (SOD June 2026); HHI 3,728, highly concentrated. $93.8 m federal obligations in FY2026 (direct payments $93.9 m, grants $702,567), $36,586 per covered job
| Item | Value | Distance |
|---|---|---|
| Magnolia Bank, Incorporated | $227.2 m · 46.5% share · 1 office | |
| The Lincoln National Bank of Hodgenville | $170.3 m · 34.9% share · 3 offices | |
| Bank of Buffalo | $90.7 m · 18.6% share · 2 offices | |
| Larue, KY | $93.8 m FY2026 · $36,586/job | |
| MULTIPLE RECIPIENTS | $92.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Magnolia Bank, Incorporated | $227,210,000 | 46.5% | 1 |
| The Lincoln National Bank of Hodgenville | $170,348,000 | 34.9% | 3 |
| Bank of Buffalo | $90,679,000 | 18.6% | 2 |
Deposit concentration is 3,728 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 46.5² + 34.9² + 18.6² = 3,728
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 | $78,452,256 |
| Department of Veterans Affairs | $13,236,168 |
| Department of Agriculture | $1,384,783 |
| Department of Transportation | $702,567 |
| Railroad Retirement Board | $379,940 |
| Department of the Interior | $92,131 |
| Department of Housing and Urban Development | -$477,675 |
That is $36,586 per covered job, against 2,563 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $93.8 m / 2,563 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $36,586
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 | 12.28 | 2026-10-04 | -0.1% |
| 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 | -88,576.00 | 2026-07-01 | -24.4% |
| 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 #
Larue County, KY: 11 findings, 1 at an alert level, 3 at a watch level and 7 noted
alertLarue County, KY's typical home value is -5.7% 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 = -5.72098695669361 <= -5
arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, not an official level
watchLarue County, KY's typical home value is -5.7% 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 = -5.72098695669361 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchLarue County, KY's covered employment is -2.2% 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 = -2.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchLarue County, KY's momentum index is -0.40, 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 = -0.40191718670683335 <= -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
noteLarue County, KY's covered employment was 2.2% 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
- -2.2 % = 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
Read all 11 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.