Owen County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.50, -84.84.
Assembled 2026-10-06. Read the brief.
- 27th pct · 2,212th of 3,063 US counties · median $234,566
- 47th pct · 63rd of 120 Kentucky counties · median $181,373
- 5th pct · 2,894th of 3,063 US counties · median +2.9%
- 42nd pct · 70th of 120 Kentucky counties · median -2.1%
- US counties: not published this period
- Kentucky counties: not published this period
- 12th pct · 2,821st of 3,221 US counties · median 8,232
- 9th pct · 109th of 120 Kentucky counties · median 5,237
- 58th pct · 1,349th of 3,221 US counties · median $1,039
- 72nd pct · 34th of 120 Kentucky counties · median $953
- 24th pct · 2,308th of 3,063 US counties · median 4.3
- 34th pct · 79th 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 $179,145 (Aug 2026), -4.1% over one year, +13.5% over five
- 27th pct · 2,212th of 3,063 US counties · median $234,566
- 47th pct · 63rd of 120 Kentucky counties · median $181,373
| Item | Value | Distance |
|---|---|---|
| Owen County, KY | $179,145 · -4.1% 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 $981 a month on $179,145 at 7.28%, against an average weekly wage worth $4,671 a month: 21.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $179,145 × 80% = $143,316, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $981/mo principal and interest
- wage share = payment / (avg weekly wage $1,078 × 52 / 12 = $4,671) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $179,145 / ($1,078 × 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 #
1,586 jobs at 191 employers (2026 Q1); -3.9% jobs and +5.6% average weekly wage over the year
- 12th pct · 2,821st of 3,221 US counties · median 8,232
- 9th pct · 109th of 120 Kentucky counties · median 5,237
| Item | Value | Distance |
|---|---|---|
| Owen County, KY | 1,586 jobs · $1,078/wk · -3.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Wholesale trade | 211 | $2,175 | 3.47 | -1.4% |
| Retail trade | 177 | $555 | 1.15 | -5.9% |
| Health care and social assistance | 124 | $904 | 0.52 | +0.0% |
| Professional and technical services | 40 | $1,074 | 0.37 | +53.8% |
| Construction | 39 | $1,434 | 0.47 | +14.7% |
| Other services | 32 | $642 | 0.68 | +6.7% |
| Finance and insurance | 18 | $1,109 | 0.28 | -5.3% |
| Real estate and rental | 5 | $390 | 0.21 | -16.7% |
| Agriculture, forestry, fishing | withheld | |||
| Utilities | withheld | |||
| Manufacturing | withheld | |||
| Transportation and warehousing | 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 #
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 #
82 gauges · 0 flooding · 24 with quality panels averaging 98 % · 21 stale
Sites found: 82, 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 |
|---|---|---|
| KENTUCKY RIVER AT LOCK 3 AT GEST, KY | flow 605.0 ft³/s | 10 km |
| KENTUCKY RIVER AT LOCK 2 AT LOCKPORT, KY | flow 552.0 ft³/s · quality 90 % (5) | 13 km |
| EAGLE CREEK AT GLENCOE, KY | flow 0.04 ft³/s | 23 km |
| ELKHORN CREEK NEAR FRANKFORT, KY | flow 53.7 ft³/s · quality 100 % (1) | 26 km |
| EAGLE CREEK AT SADIEVILLE, KY | flow 0.09 ft³/s | 29 km |
| KENTUCKY RIVER AT LOCK 1 NEAR CARROLLTON, KY | stage 8.78 ft | 32 km |
| KENTUCKY RIVER AT LOCK 4 AT FRANKFORT, KY | flow 344.0 ft³/s · quality 100 % (1) | 32 km |
| OHIO RIVER AT MARKLAND DAM NEAR WARSAW, KY | flow 34,900 ft³/s · quality 100 % (4) | 33 km |
| NORTH ELKHORN CREEK AT GEORGETOWN, KY | flow 11.4 ft³/s | 39 km |
| MUD LICK CR AT HWY 42 NR BEAVERLICK, KY | flow 4.90 ft³/s | 40 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 #
42 wells in 0 named aquifers:
Sites found: 42, 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-375928084362001 | depth 13.0 ft · 2024-05-16 | 60 km |
| USGS-384949085251901 | depth 8.14 ft · 2026-10-05 | 62 km |
| USGS-383403085352601 | depth 44.1 ft · 2026-06-24 | 66 km |
| USGS-385144084133900 | depth 42.4 ft · 1982-10-27 | 67 km |
| USGS-390653084485700 | depth 52.8 ft · 1982-08-25 | 68 km |
| USGS-390438084310701 | depth 34.2 ft · 2018-08-02 | 70 km |
| USGS-390529084330701 | depth 58.5 ft · 2019-09-19 | 70 km |
| USGS-382305085381701 | depth 38.8 ft · 2026-06-24 | 71 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 + 0.2×0.02 / 0.55
Banks & federal dollars #
$127.2 m in deposits at 2 offices of 2 banks (SOD June 2026); HHI 9,597, highly concentrated. $66.4 m federal obligations in FY2026 (direct payments $64.7 m, grants $1.7 m), $41,845 per covered job
| Item | Value | Distance |
|---|---|---|
| German American Bank | $124.5 m · 97.9% share · 1 office | |
| United Citizens Bank & Trust Company | $2.6 m · 2.1% share · 1 office | |
| Owen, KY | $66.4 m FY2026 · $41,845/job | |
| MULTIPLE RECIPIENTS | $64.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| German American Bank | $124,544,000 | 97.9% | 1 |
| United Citizens Bank & Trust Company | $2,613,000 | 2.1% | 1 |
Deposit concentration is 9,597 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 97.9² + 2.1² = 9,597
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 | $60,369,055 |
| Department of Veterans Affairs | $3,613,063 |
| Department of Transportation | $1,565,926 |
| Department of Agriculture | $458,095 |
| Railroad Retirement Board | $227,445 |
| Department of Health and Human Services | $60,000 |
| Department of Housing and Urban Development | $37,787 |
| Federal Communications Commission | $20,286 |
| Small Business Administration | $14,859 |
That is $41,845 per covered job, against 1,586 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $66.4 m / 1,586 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $41,845
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 | -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 #
Owen County, KY: 12 findings, 1 at an alert level, 3 at a watch level and 8 noted
alertOwen County, KY's covered employment is -3.9% 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 = -3.9 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchOwen County, KY's typical home value is -4.1% 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 = -4.075878285143083 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchOwen County, KY's covered employment is -3.9% 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 = -3.9 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchOwen County, KY's typical home value of -4.1% scores 6 on the 0-to-100 scale across US counties but 42 across Kentucky counties, a gap of 36 points.
Period 2026-08.Show the arithmetic
- 36 = |6 across US counties - 42 across Kentucky counties|
position among the entities that published this metric this period; not an official level
noteOwen County, KY's average weekly wage was 5.6% 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
- +5.6 % = 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 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.