Marion County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.55, -85.27.
Assembled 2026-10-07. Read the brief.
- 51st pct · 1,480th of 3,063 US counties · median $234,566
- 74th pct · 31st of 120 Kentucky counties · median $181,373
- 33rd pct · 2,035th of 3,063 US counties · median +2.9%
- 77th pct · 28th of 120 Kentucky counties · median -2.1%
- US counties: not published this period
- Kentucky counties: not published this period
- 51st pct · 1,556th of 3,221 US counties · median 8,232
- 68th pct · 39th of 120 Kentucky counties · median 5,237
- 39th pct · 1,945th of 3,221 US counties · median $1,039
- 57th pct · 52nd of 120 Kentucky counties · median $953
- 57th pct · 1,307th of 3,063 US counties · median 4.3
- 79th pct · 25th 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 $239,169 (Aug 2026), +1.5% over one year, +38.8% over five
- 51st pct · 1,480th of 3,063 US counties · median $234,566
- 74th pct · 31st of 120 Kentucky counties · median $181,373
| Item | Value | Distance |
|---|---|---|
| Marion County, KY | $239,169 · +1.5% 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 #
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 $1,309 a month on $239,169 at 7.28%, against an average weekly wage worth $4,303 a month: 30.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $239,169 × 80% = $191,335, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,309/mo principal and interest
- wage share = payment / (avg weekly wage $993 × 52 / 12 = $4,303) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $239,169 / ($993 × 52) = 4.6
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 #
8,700 jobs at 566 employers (2026 Q1); -3.0% jobs and -0.3% average weekly wage over the year
- 51st pct · 1,556th of 3,221 US counties · median 8,232
- 68th pct · 39th of 120 Kentucky counties · median 5,237
| Item | Value | Distance |
|---|---|---|
| Marion County, KY | 8,700 jobs · $993/wk · -3.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 3,324 | $1,177 | 4.75 | -12.4% |
| Health care and social assistance | 1,196 | $1,051 | 0.91 | +0.0% |
| Administrative and waste services | 748 | $957 | 1.51 | +34.5% |
| Retail trade | 721 | $558 | 0.85 | +0.8% |
| Accommodation and food services | 440 | $364 | 0.56 | +15.5% |
| Wholesale trade | 376 | $1,193 | 1.13 | -8.7% |
| Finance and insurance | 152 | $1,290 | 0.43 | +4.1% |
| Other services | 139 | $521 | 0.53 | +0.0% |
| Transportation and warehousing | 116 | $1,194 | 0.32 | +11.5% |
| Arts, entertainment and recreation | 31 | $361 | 0.22 | -8.8% |
| Educational services | 12 | $863 | 0.06 | +0.0% |
| Real estate and rental | 9 | $1,316 | 0.07 | -50.0% |
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.
Water #
Banks & federal dollars #
$584.8 m in deposits at 9 offices of 6 banks (SOD June 2026); HHI 2,220, highly concentrated. $123.2 m federal obligations in FY2026 (direct payments $107.9 m, grants $14.8 m), $14,162 per covered job
| Item | Value | Distance |
|---|---|---|
| Citizens Bank and Trust of Lebanon, Inc. | $156.9 m · 26.8% share · 1 office | |
| The Farmers National Bank of Lebanon | $145.5 m · 24.9% share · 2 offices | |
| U.S. Bank National Association | $121.9 m · 20.8% share · 1 office | |
| Marion, KY | $123.2 m FY2026 · $14,162/job | |
| MULTIPLE RECIPIENTS | $103.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Citizens Bank and Trust of Lebanon, Inc. | $156,932,000 | 26.8% | 1 |
| The Farmers National Bank of Lebanon | $145,523,000 | 24.9% | 2 |
| U.S. Bank National Association | $121,858,000 | 20.8% | 1 |
| Peoples Bank | $116,460,000 | 19.9% | 3 |
| Community Trust Bank, Inc. | $41,102,000 | 7.0% | 1 |
| Woodforest National Bank | $2,945,000 | 0.5% | 1 |
Deposit concentration is 2,220 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 26.8² + 24.9² + 20.8² + … (3 more) = 2,220
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 | $93,391,405 |
| Department of Transportation | $13,504,768 |
| Department of Veterans Affairs | $10,091,156 |
| Department of Agriculture | $3,257,306 |
| Department of Housing and Urban Development | $2,029,721 |
| Railroad Retirement Board | $410,348 |
| Federal Communications Commission | $355,598 |
| Department of Defense | $101,621 |
| Department of Health and Human Services | $70,503 |
That is $14,162 per covered job, against 8,700 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $123.2 m / 8,700 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,162
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 #
Marion County, KY: 10 findings, 1 at an alert level, 4 at a watch level and 5 noted
alertMarion County, KY's covered employment is -3.0% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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 Q1.Show the arithmetic
- test: jobs.yoy.emp = -3 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchMarion County, KY's covered employment is -3.0% 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 = -3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchMarion County, KY's average weekly wage is -0.3% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; 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 Q1.Show the arithmetic
- test: jobs.yoy.avgWeeklyWage = -0.3 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchMarion County, KY's momentum index is -0.32, 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 = -0.315602648933122 <= -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
watchMarion County, KY's typical home value of +1.5% scores 34 on the 0-to-100 scale across US counties but 77 across Kentucky counties, a gap of 44 points.
Period 2026-08.Show the arithmetic
- 44 = |34 across US counties - 77 across Kentucky counties|
position among the entities that published this metric this period; not an official level
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.