Marshall County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.88, -88.33.
Assembled 2026-10-07. Read the brief.
- 37th pct · 1,909th of 3,063 US counties · median $234,566
- 61st pct · 47th of 120 Kentucky counties · median $181,373
- 4th pct · 2,938th of 3,063 US counties · median +2.9%
- 36th pct · 77th of 120 Kentucky counties · median -2.1%
- US counties: not published this period
- Kentucky counties: not published this period
- 57th pct · 1,355th of 3,221 US counties · median 8,232
- 74th pct · 31st of 120 Kentucky counties · median 5,237
- 76th pct · 771st of 3,221 US counties · median $1,039
- 89th pct · 14th of 120 Kentucky counties · median $953
- 25th pct · 2,267th of 3,063 US counties · median 4.3
- 36th pct · 76th 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 $202,183 (Aug 2026), -5.2% over one year, +30.9% over five
- 37th pct · 1,909th of 3,063 US counties · median $234,566
- 61st pct · 47th of 120 Kentucky counties · median $181,373
| Item | Value | Distance |
|---|---|---|
| Marshall County, KY | $202,183 · -5.2% 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 $1,107 a month on $202,183 at 7.28%, against an average weekly wage worth $5,200 a month: 21.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $202,183 × 80% = $161,747, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,107/mo principal and interest
- wage share = payment / (avg weekly wage $1,200 × 52 / 12 = $5,200) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $202,183 / ($1,200 × 52) = 3.2
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 #
11,436 jobs at 1,063 employers (2026 Q1); +0.5% jobs and -0.7% average weekly wage over the year
- 57th pct · 1,355th of 3,221 US counties · median 8,232
- 74th pct · 31st of 120 Kentucky counties · median 5,237
| Item | Value | Distance |
|---|---|---|
| Marshall County, KY | 11,436 jobs · $1,200/wk · +0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,283 | $2,166 | 2.48 | -3.3% |
| Retail trade | 1,539 | $843 | 1.38 | +1.5% |
| Construction | 1,180 | $1,132 | 1.97 | +0.0% |
| Accommodation and food services | 975 | $428 | 0.95 | -6.2% |
| Health care and social assistance | 905 | $827 | 0.53 | +6.5% |
| Professional and technical services | 486 | $1,210 | 0.62 | +5.4% |
| Finance and insurance | 364 | $1,386 | 0.78 | +0.8% |
| Other services | 361 | $936 | 1.06 | +8.7% |
| Wholesale trade | 346 | $1,435 | 0.79 | +2.4% |
| Transportation and warehousing | 330 | $1,382 | 0.68 | -3.8% |
| Arts, entertainment and recreation | 204 | $497 | 1.08 | +4.1% |
| Real estate and rental | 115 | $1,228 | 0.66 | -1.7% |
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 #
31 gauges · 0 flooding · 1 with quality panels averaging 100 % · 6 stale
Sites found: 31, 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 |
|---|---|---|
| Tennessee River at Kentucky Lake Pool | no readings | 16 km |
| Tennessee River at Kentucky Lake Tailwater | no readings | 16 km |
| USGS-03610545 | flow 8.40 ft³/s · STALE | 17 km |
| Cumberland River at Barkley Lake Pool | no readings | 18 km |
| Cumberland River at Barkley Lake Tailwater | no readings | 19 km |
| USGS-03610200 | flow 4.28 ft³/s | 22 km |
| USGS-03399800 | flow 65,900 ft³/s · no flooding | 32 km |
| USGS-03610000 | flow 14.0 ft³/s · STALE | 32 km |
| USGS-03611000 | stage 16.2 ft · no flooding | 33 km |
| USGS-03611260 | flow 0.82 ft³/s | 38 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 #
5 wells in 0 named aquifers:
Sites found: 5, 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 | 18 km |
| USGS-365210088391301 | depth 8.70 ft · 2026-10-06 | 29 km |
| USGS-370444088473801 | depth 61.6 ft · 1984-11-30 | 46 km |
| USGS-370516088504401 | depth 45.1 ft · 1984-11-30 | 51 km |
| USGS-370551088510401 | depth 107.8 ft · 1983-09-13 | 52 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 + 0.2×0.00 / 0.55
Banks & federal dollars #
$937.1 m in deposits at 10 offices of 6 banks (SOD June 2026); HHI 4,941, highly concentrated. $255.9 m federal obligations in FY2026 (direct payments $239.6 m, grants $16.1 m), $22,378 per covered job
| Item | Value | Distance |
|---|---|---|
| Community Financial Services Bank | $644.2 m · 68.7% share · 3 offices | |
| First Kentucky Bank, Inc. | $74.2 m · 7.9% share · 2 offices | |
| Regions Bank | $68.7 m · 7.3% share · 1 office | |
| Marshall, KY | $255.9 m FY2026 · $22,378/job | |
| MULTIPLE RECIPIENTS | $235.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Community Financial Services Bank | $644,160,000 | 68.7% | 3 |
| First Kentucky Bank, Inc. | $74,151,000 | 7.9% | 2 |
| Regions Bank | $68,680,000 | 7.3% | 1 |
| U.S. Bank National Association | $68,605,000 | 7.3% | 1 |
| First Financial Bank, National Association | $60,276,000 | 6.4% | 2 |
| FNB Bank, Inc. | $21,257,000 | 2.3% | 1 |
Deposit concentration is 4,941 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 = 68.7² + 7.9² + 7.3² + … (3 more) = 4,941
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 | $209,164,612 |
| Department of Veterans Affairs | $23,108,914 |
| Department of Transportation | $15,846,461 |
| Department of Agriculture | $2,321,546 |
| Railroad Retirement Board | $2,108,542 |
| Department of Housing and Urban Development | $1,854,256 |
| Department of Health and Human Services | $1,517,433 |
| Department of the Interior | $0 |
| Small Business Administration | $0 |
| Environmental Protection Agency | $0 |
| Federal Communications Commission | -$2,160 |
That is $22,378 per covered job, against 11,436 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $255.9 m / 11,436 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,378
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 #
Marshall County, KY: 10 findings, 1 at an alert level, 3 at a watch level and 6 noted
alertMarshall County, KY's typical home value is -5.2% 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 = -5.198926584583966 <= -5
arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, not an official level
watchMarshall County, KY's typical home value is -5.2% 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 = -5.198926584583966 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchMarshall County, KY's average weekly wage is -0.7% 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 = -0.7 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchMarshall County, KY's typical home value of -5.2% scores 4 on the 0-to-100 scale across US counties but 36 across Kentucky counties, a gap of 32 points.
Period 2026-08.Show the arithmetic
- 32 = |4 across US counties - 36 across Kentucky counties|
position among the entities that published this metric this period; not an official level
noteMarshall County, KY's average weekly wage was 0.7% 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
- -0.7 % = 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.