Lyon County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.02, -88.08.
Assembled 2026-10-06. Read the brief.
- 28th pct · 2,180th of 3,063 US counties · median $234,566
- 50th pct · 60th of 120 Kentucky counties · median $181,373
- 1st pct · 3,012th of 3,063 US counties · median +2.9%
- 21st pct · 94th of 120 Kentucky counties · median -2.1%
- US counties: not published this period
- Kentucky counties: not published this period
- 20th pct · 2,574th of 3,221 US counties · median 8,232
- 24th pct · 91st of 120 Kentucky counties · median 5,237
- 27th pct · 2,330th of 3,221 US counties · median $1,039
- 47th pct · 64th of 120 Kentucky counties · median $953
- 36th pct · 1,933rd of 3,063 US counties · median 4.3
- 57th pct · 52nd 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 $181,410 (Aug 2026), -9.4% over one year, +15.2% over five
- 28th pct · 2,180th of 3,063 US counties · median $234,566
- 50th pct · 60th of 120 Kentucky counties · median $181,373
| Item | Value | Distance |
|---|---|---|
| Lyon County, KY | $181,410 · -9.4% 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 $993 a month on $181,410 at 7.28%, against an average weekly wage worth $4,082 a month: 24.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $181,410 × 80% = $145,128, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $993/mo principal and interest
- wage share = payment / (avg weekly wage $942 × 52 / 12 = $4,082) = 24% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $181,410 / ($942 × 52) = 3.7
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 #
2,450 jobs at 294 employers (2026 Q1); -0.8% jobs and +1.7% average weekly wage over the year
- 20th pct · 2,574th of 3,221 US counties · median 8,232
- 24th pct · 91st of 120 Kentucky counties · median 5,237
| Item | Value | Distance |
|---|---|---|
| Lyon County, KY | 2,450 jobs · $942/wk · -0.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 303 | $439 | 1.38 | -14.9% |
| Retail trade | 231 | $569 | 0.97 | +4.5% |
| Administrative and waste services | 200 | $488 | 1.44 | +0.5% |
| Professional and technical services | 150 | $1,353 | 0.89 | +3.4% |
| Construction | 131 | $1,097 | 1.02 | +4.8% |
| Arts, entertainment and recreation | 38 | $589 | 0.94 | -7.3% |
| Other services | 31 | $934 | 0.42 | +0.0% |
| Wholesale trade | 27 | $2,105 | 0.29 | -3.6% |
| Finance and insurance | 26 | $1,333 | 0.26 | +0.0% |
| Real estate and rental | 8 | $847 | 0.21 | -11.1% |
| Agriculture, forestry, fishing | withheld | |||
| Utilities | withheld |
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 #
23 gauges · 0 flooding · 0 with quality panels · 8 stale
Sites found: 23, 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 |
|---|---|---|
| OHIO RIVER AT SMITHLAND DAM, SMITHLAND, KY | flow 69,000 ft³/s | 34 km |
| TRADEWATER RIVER AT OLNEY, KY | flow 8.35 ft³/s | 35 km |
| CLARKS RIVER AT ALMO, KY | flow 5.86 ft³/s | 41 km |
| WEST FORK CLARKS RIVER NEAR BREWERS, KY | flow 8.40 ft³/s · STALE | 44 km |
| OHIO RIVER AT PADUCAH, KY | stage 16.2 ft | 46 km |
| TRADEWATER RIVER NEAR PROVIDENCE, KY | flow 50.1 ft³/s | 47 km |
| OHIO RIVER AT DAM 51 AT GOLCONDA, IL | stage 30.1 ft | 51 km |
| CLARKS RIVER AT MURRAY, KY | flow 14.0 ft³/s · STALE | 52 km |
| MASSAC CREEK NEAR PADUCAH, KY | flow 0.31 ft³/s | 56 km |
| N FK LITTLE R AT WATER PLANT AT HOPKINSVILLE, KY | stage 2.30 ft | 57 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 #
6 wells in 0 named aquifers:
Sites found: 6, 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-370109088134901 | depth 44.2 ft · 1983-09-13 | 13 km |
| USGS-365210088391301 | depth 8.70 ft · 2026-10-06 | 54 km |
| USGS-370733087291201 | depth 7.02 ft · 1983-09-08 | 54 km |
| USGS-370444088473801 | depth 61.6 ft · 1984-11-30 | 63 km |
| USGS-370516088504401 | depth 45.1 ft · 1984-11-30 | 68 km |
| USGS-370551088510401 | depth 107.8 ft · 1983-09-13 | 69 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$246.2 m in deposits at 4 offices of 4 banks (SOD June 2026); HHI 2,683, highly concentrated. $66.4 m federal obligations in FY2026 (direct payments $66.1 m, contracts $1.2 m), $27,082 per covered job
| Item | Value | Distance |
|---|---|---|
| Fifth Third Bank, National Association | $90.0 m · 36.6% share · 1 office | |
| Farmers Bank and Trust Company | $54.3 m · 22.1% share · 1 office | |
| Truist Bank | $54.2 m · 22.0% share · 1 office | |
| Lyon, KY | $66.4 m FY2026 · $27,082/job | |
| MULTIPLE RECIPIENTS | $64.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Fifth Third Bank, National Association | $89,979,000 | 36.6% | 1 |
| Farmers Bank and Trust Company | $54,322,000 | 22.1% | 1 |
| Truist Bank | $54,157,000 | 22.0% | 1 |
| Fredonia Valley Bank | $47,711,000 | 19.4% | 1 |
Deposit concentration is 2,683 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 36.6² + 22.1² + 22.0² + … (1 more) = 2,683
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 | $56,757,870 |
| Department of Veterans Affairs | $6,913,467 |
| Department of Agriculture | $1,512,586 |
| Department of Defense | $1,231,704 |
| Department of Housing and Urban Development | $631,857 |
| Railroad Retirement Board | $586,484 |
| Federal Communications Commission | $246,346 |
| Department of Education | $78,236 |
| Department of the Interior | -$21,449 |
| Department of Transportation | -$1,585,250 |
That is $27,082 per covered job, against 2,450 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $66.4 m / 2,450 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $27,082
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 #
Lyon County, KY: 10 findings, 1 at an alert level, 3 at a watch level and 6 noted
alertLyon County, KY's typical home value is -9.4% 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 = -9.391364411542714 <= -5
arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, not an official level
watchLyon County, KY's typical home value is -9.4% 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 = -9.391364411542714 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchLyon County, KY's covered employment is -0.8% 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 = -0.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchLyon County, KY's momentum index is -0.34, 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 = -0.3422442341328801 <= -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
noteLyon County, KY's average weekly wage was 1.7% 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
- +1.7 % = 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
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.