Oldham County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.40, -85.46.
Assembled 2026-10-06. Read the brief.
- 90th pct · 286th of 3,063 US counties · median $234,566
- 100th pct · 1st of 120 Kentucky counties · median $181,373
- 100th pct · 1st of 12 counties in the Louisville/Jefferson County metro · median $276,709
- 38th pct · 1,898th of 3,063 US counties · median +2.9%
- 80th pct · 24th of 120 Kentucky counties · median -2.1%
- 45th pct · 7th of 12 counties in the Louisville/Jefferson County metro · median +1.9%
- 79th pct · 294th of 1,399 US counties · median $1,496
- 100th pct · 1st of 32 Kentucky counties · median $1,250
- 100th pct · 1st of 7 counties in the Louisville/Jefferson County metro · median $1,360
- 68th pct · 1,025th of 3,221 US counties · median 8,232
- 82nd pct · 22nd of 120 Kentucky counties · median 5,237
- 54th pct · 6th of 12 counties in the Louisville/Jefferson County metro · median 16,814
- 83rd pct · 538th of 3,221 US counties · median $1,039
- 91st pct · 11th of 120 Kentucky counties · median $953
- 90th pct · 2nd of 12 counties in the Louisville/Jefferson County metro · median $1,073
- 86th pct · 406th of 3,063 US counties · median 4.3
- 99th pct · 2nd of 120 Kentucky counties · median 3.6
- 90th pct · 2nd of 12 counties in the Louisville/Jefferson County metro · median 4.9
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 $451,370 (Aug 2026), +1.9% over one year, +23.3% over five
- 90th pct · 286th of 3,063 US counties · median $234,566
- 100th pct · 1st of 120 Kentucky counties · median $181,373
- 100th pct · 1st of 12 counties in the Louisville/Jefferson County metro · median $276,709
| Item | Value | Distance |
|---|---|---|
| Oldham County, KY | $451,370 · +1.9% 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 #
Typical rent $1,912/mo (Aug 2026), n/a over one year; price-to-rent 19.7
- 79th pct · 294th of 1,399 US counties · median $1,496
- 100th pct · 1st of 32 Kentucky counties · median $1,250
- 100th pct · 1st of 7 counties in the Louisville/Jefferson County metro · median $1,360
| Item | Value | Distance |
|---|---|---|
| Oldham County, KY | $1,912/mo · n/a 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 #
Principal and interest of $2,471 a month on $451,370 at 7.28%, against an average weekly wage worth $5,542 a month: 44.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $451,370 × 80% = $361,096, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,471/mo principal and interest
- wage share = payment / (avg weekly wage $1,279 × 52 / 12 = $5,542) = 45% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $451,370 / ($1,279 × 52) = 6.8
- price-to-rent = $451,370 / ($1,912 × 12) = 19.7
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 #
17,317 jobs at 2,593 employers (2026 Q1); +2.7% jobs and +3.4% average weekly wage over the year
- 68th pct · 1,025th of 3,221 US counties · median 8,232
- 82nd pct · 22nd of 120 Kentucky counties · median 5,237
- 54th pct · 6th of 12 counties in the Louisville/Jefferson County metro · median 16,814
| Item | Value | Distance |
|---|---|---|
| Oldham County, KY | 17,317 jobs · $1,279/wk · +2.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 2,480 | $1,191 | 0.95 | +3.2% |
| Retail trade | 1,845 | $741 | 1.09 | -1.3% |
| Finance and insurance | 1,829 | $1,771 | 2.59 | +0.9% |
| Accommodation and food services | 1,379 | $489 | 0.89 | +3.5% |
| Manufacturing | 1,231 | $1,889 | 0.88 | +0.0% |
| Professional and technical services | 886 | $2,380 | 0.74 | +7.0% |
| Administrative and waste services | 667 | $1,198 | 0.68 | +4.7% |
| Other services | 475 | $967 | 0.92 | +7.5% |
| Arts, entertainment and recreation | 423 | $551 | 1.48 | +4.2% |
| Wholesale trade | 402 | $2,363 | 0.61 | -3.4% |
| Real estate and rental | 273 | $1,726 | 1.03 | +9.6% |
| Educational services | 246 | $856 | 0.66 | +5.6% |
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 #
No drought class at this point (USDM covers the United States only)
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 #
77 gauges · 0 flooding · 35 with quality panels averaging 97 % · 18 stale
Sites found: 77, 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 |
|---|---|---|
| HARRODS CREEK NEAR LA GRANGE, KY | flow 0.00 ft³/s · STALE | 7 km |
| HARRODS CREEK AT HIGHWAY 329 NR GOSHEN, KY. | flow 579.0 ft³/s · quality 100 % (1) · STALE | 11 km |
| FLOYDS FORK NEAR CRESTWOOD, KY | flow 0.00 ft³/s · STALE | 12 km |
| FLOYDS FORK NEAR PEWEE VALLEY, KY | flow 30.1 ft³/s · quality 100 % (4) | 13 km |
| WOLF PEN BR AB POND DISCHARGE NR PROSPECT, KY | DO 10.0 mg/l · quality 100 % (4) | 14 km |
| LITTLE GOOSE CREEK NEAR HARRODS CREEK, KY | flow 1.78 ft³/s · quality 100 % (4) | 18 km |
| GOOSE CREEK AT HWY 22 AT SPRING VALLEY, KY | flow 1.79 ft³/s · quality 100 % (4) | 18 km |
| GOOSE CREEK AT US HWY 42 NEAR GLENVIEW ACRES, KY | DO 10.3 mg/l · quality 100 % (1) · STALE | 18 km |
| GOOSE CREEK AT OLD WESTPORT RD NR ST MATTHEWS, KY | flow 3.02 ft³/s · quality 100 % (4) | 19 km |
| FLOYDS FORK AT FISHERVILLE, KY | flow 31.7 ft³/s · quality 100 % (4) | 24 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 #
61 wells in 0 named aquifers:
Sites found: 61, 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-382305085381701 | depth 38.8 ft · 2026-06-24 | 16 km |
| USGS-382105085375101 | depth 27.2 ft · 2026-05-17 | 16 km |
| USGS-382039085375201 | depth 47.9 ft · 2013-07-21 | 16 km |
| USGS-382156085382401 | depth 35.5 ft · 2026-10-05 | 16 km |
| USGS-382102085380701 | depth 13.4 ft · 2011-01-25 | 17 km |
| USGS-382054085380602 | depth 30.1 ft · 2026-08-09 | 17 km |
| USGS-382051085380801 | depth 34.0 ft · 2026-08-09 | 17 km |
| USGS-382038085380701 | depth 36.6 ft · 2026-08-09 | 17 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 #
$1.2 bn in deposits at 14 offices of 10 banks (SOD June 2026); HHI 3,029, highly concentrated. $367.2 m federal obligations in FY2026 (direct payments $347.5 m, grants $16.9 m), $21,205 per covered job
| Item | Value | Distance |
|---|---|---|
| Stock Yards Bank & Trust Company | $528.2 m · 42.9% share · 3 offices | |
| PNC Bank, National Association | $404.2 m · 32.8% share · 2 offices | |
| The Farmers Bank of Milton | $76.9 m · 6.2% share · 2 offices | |
| Oldham, KY | $367.2 m FY2026 · $21,205/job | |
| MULTIPLE RECIPIENTS | $346.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Stock Yards Bank & Trust Company | $528,171,000 | 42.9% | 3 |
| PNC Bank, National Association | $404,192,000 | 32.8% | 2 |
| The Farmers Bank of Milton | $76,920,000 | 6.2% | 2 |
| JPMorgan Chase Bank, National Association | $70,405,000 | 5.7% | 1 |
| Fifth Third Bank, National Association | $58,542,000 | 4.8% | 1 |
| German American Bank | $31,356,000 | 2.5% | 1 |
| Bedford Loan & Deposit Bank | $28,522,000 | 2.3% | 1 |
| FIRST NATIONAL BANK OF KENTUCKY | $14,969,000 | 1.2% | 1 |
| United Citizens Bank & Trust Company | $13,503,000 | 1.1% | 1 |
| Woodforest National Bank | $4,157,000 | 0.3% | 1 |
Deposit concentration is 3,029 across 10 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 42.9² + 32.8² + 6.2² + … (7 more) = 3,029
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 | $305,265,666 |
| Department of Veterans Affairs | $38,745,132 |
| Department of Transportation | $16,307,088 |
| Railroad Retirement Board | $2,809,247 |
| Department of Defense | $2,556,618 |
| Department of Agriculture | $604,640 |
| Department of Health and Human Services | $582,245 |
| Department of Housing and Urban Development | $282,037 |
| Department of Justice | $30,299 |
| Federal Communications Commission | $13,680 |
| Small Business Administration | $3,309 |
| General Services Administration | $0 |
That is $21,205 per covered job, against 17,317 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $367.2 m / 17,317 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,205
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 | 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 #
Oldham County, KY: 18 findings, 1 at a watch level and 17 noted
watchOldham County, KY's typical home value of +1.9% scores 38 on the 0-to-100 scale across US counties but 81 across Kentucky counties, a gap of 43 points.
Period 2026-08.Show the arithmetic
- 43 = |38 across US counties - 81 across Kentucky counties|
position among the entities that published this metric this period; not an official level
noteOldham County, KY's average weekly wage was 3.4% 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
- +3.4 % = 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
noteOldham County, KY's covered employment was 2.7% 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
- +2.7 % = 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
noteOldham County, KY's typical asking rent rose 0.9% from $1,896 in July 2026 to $1,912 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.9% = (1911.9444444444443 - 1895.7900675856208) / 1895.7900675856208 × 100
- 1911.9444444444443 = Zillow ZORI, 2026-08
- 1895.7900675856208 = Zillow ZORI, 2026-07
noteOldham County, KY's typical home value rose 0.4% from $449,478 in July 2026 to $451,370 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.4% = (451369.8178040658 - 449478.18436168757) / 449478.18436168757 × 100
- 451369.8178040658 = Zillow ZHVI, 2026-08
- 449478.18436168757 = Zillow ZHVI, 2026-07
Read all 12 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.