Perry County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.24, -83.22.
Assembled 2026-10-06. Read the brief.
- 2nd pct · 2,976th of 3,063 US counties · median $234,566
- 7th pct · 111th of 120 Kentucky counties · median $181,373
- 1st pct · 3,024th of 3,063 US counties · median +2.9%
- 18th pct · 98th of 120 Kentucky counties · median -2.1%
- US counties: not published this period
- Kentucky counties: not published this period
- 57th pct · 1,370th of 3,221 US counties · median 8,232
- 73rd pct · 33rd of 120 Kentucky counties · median 5,237
- 43rd pct · 1,811th of 3,221 US counties · median $1,039
- 58th pct · 50th of 120 Kentucky counties · median $953
- 3rd pct · 2,962nd of 3,063 US counties · median 4.3
- 6th pct · 112th 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 $101,560 (Aug 2026), -10.3% over one year, +5.8% over five
- 2nd pct · 2,976th of 3,063 US counties · median $234,566
- 7th pct · 111th of 120 Kentucky counties · median $181,373
| Item | Value | Distance |
|---|---|---|
| Perry County, KY | $101,560 · -10.3% 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 $556 a month on $101,560 at 7.28%, against an average weekly wage worth $4,385 a month: 12.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $101,560 × 80% = $81,248, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $556/mo principal and interest
- wage share = payment / (avg weekly wage $1,012 × 52 / 12 = $4,385) = 13% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $101,560 / ($1,012 × 52) = 1.9
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 #
11,273 jobs at 943 employers (2026 Q1); -0.1% jobs and +1.2% average weekly wage over the year
- 57th pct · 1,370th of 3,221 US counties · median 8,232
- 73rd pct · 33rd of 120 Kentucky counties · median 5,237
| Item | Value | Distance |
|---|---|---|
| Perry County, KY | 11,273 jobs · $1,012/wk · -0.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 3,667 | $1,159 | 2.16 | +2.2% |
| Retail trade | 1,539 | $658 | 1.40 | -4.3% |
| Administrative and waste services | 458 | $635 | 0.71 | +21.2% |
| Transportation and warehousing | 399 | $924 | 0.84 | -0.5% |
| Construction | 288 | $1,073 | 0.49 | +9.9% |
| Other services | 249 | $1,029 | 0.74 | -0.8% |
| Finance and insurance | 231 | $1,109 | 0.50 | -2.1% |
| Manufacturing | 146 | $1,081 | 0.16 | -3.3% |
| Real estate and rental | 65 | $1,129 | 0.38 | +8.3% |
| Information | 44 | $1,460 | 0.21 | -17.0% |
| Unclassified | 26 | $1,197 | 1.08 | +85.7% |
| Educational services | 22 | $1,021 | 0.09 | -8.3% |
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 #
Surface water layer not loaded
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 #
Surface water layer not loaded
Sites found: 0, 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.
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 #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, 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.
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 #
$928.3 m in deposits at 11 offices of 5 banks (SOD June 2026); HHI 3,018, highly concentrated. $202.6 m federal obligations in FY2026 (direct payments $181.8 m, grants $20.3 m), $17,973 per covered job
| Item | Value | Distance |
|---|---|---|
| Pbt Bancorp | $401.6 m · 43.3% share · 3 offices | |
| Community Trust Bank, Inc. | $245.5 m · 26.4% share · 3 offices | |
| 1st Trust Bank, Inc. | $183.6 m · 19.8% share · 2 offices | |
| Perry, KY | $202.6 m FY2026 · $17,973/job | |
| MULTIPLE RECIPIENTS | $176.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Pbt Bancorp | $401,556,000 | 43.3% | 3 |
| Community Trust Bank, Inc. | $245,484,000 | 26.4% | 3 |
| 1st Trust Bank, Inc. | $183,575,000 | 19.8% | 2 |
| First Federal Savings and Loan Association | $56,611,000 | 6.1% | 1 |
| Whitaker Bank | $41,109,000 | 4.4% | 2 |
Deposit concentration is 3,018 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 43.3² + 26.4² + 19.8² + … (2 more) = 3,018
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 | $155,002,244 |
| Department of Veterans Affairs | $26,841,709 |
| Department of Transportation | $6,049,089 |
| Department of Health and Human Services | $5,043,907 |
| Department of Education | $4,380,957 |
| Railroad Retirement Board | $2,998,829 |
| Department of Housing and Urban Development | $928,981 |
| Department of Agriculture | $866,049 |
| Department of Defense | $419,577 |
| General Services Administration | $42,300 |
| Department of Homeland Security | $32,701 |
| Federal Communications Commission | $624 |
That is $17,973 per covered job, against 11,273 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $202.6 m / 11,273 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,973
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 #
Perry County, KY: 14 findings, 1 at an alert level, 3 at a watch level and 10 noted
alertPerry County, KY's typical home value is -10.3% 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 = -10.346232940133408 <= -5
arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, not an official level
watchPerry County, KY's typical home value is -10.3% 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 = -10.346232940133408 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchPerry County, KY's covered employment is -0.1% 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 = -0.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchPerry County, KY's momentum index is -0.31, 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 = -0.3058823529411765 <= -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
notePerry County, KY's average weekly wage was 1.2% 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
- +1.2 % = 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.