Robertson County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.51, -84.06.
Assembled 2026-10-07. Read the brief.
- 38th pct · 1,887th of 3,063 US counties · median $234,566
- 63rd pct · 44th of 120 Kentucky counties · median $181,373
- 73rd pct · 809th of 3,063 US counties · median +2.9%
- 94th pct · 7th of 120 Kentucky counties · median -2.1%
- US counties: not published this period
- Kentucky counties: not published this period
- 0th pct · 3,190th of 3,221 US counties · median 8,232
- 0th pct · 120th of 120 Kentucky counties · median 5,237
- 10th pct · 2,878th of 3,221 US counties · median $1,039
- 17th pct · 99th of 120 Kentucky counties · median $953
- 57th pct · 1,289th of 3,063 US counties · median 4.3
- 80th pct · 24th 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 $204,451 (Aug 2026), +5.1% over one year, +41.3% over five
- 38th pct · 1,887th of 3,063 US counties · median $234,566
- 63rd pct · 44th of 120 Kentucky counties · median $181,373
| Item | Value | Distance |
|---|---|---|
| Robertson County, KY | $204,451 · +5.1% 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 $1,119 a month on $204,451 at 7.28%, against an average weekly wage worth $3,653 a month: 30.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $204,451 × 80% = $163,560, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,119/mo principal and interest
- wage share = payment / (avg weekly wage $843 × 52 / 12 = $3,653) = 31% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $204,451 / ($843 × 52) = 4.7
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 #
300 jobs at 62 employers (2026 Q1); -6.2% jobs and +11.8% average weekly wage over the year
- 0th pct · 3,190th of 3,221 US counties · median 8,232
- 0th pct · 120th of 120 Kentucky counties · median 5,237
| Item | Value | Distance |
|---|---|---|
| Robertson County, KY | 300 jobs · $843/wk · -6.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Unclassified | 1 | $3,135 | 1.57 | +0.0% |
| Construction | withheld | |||
| Manufacturing | withheld | |||
| Retail trade | withheld | |||
| Transportation and warehousing | withheld | |||
| Information | withheld | |||
| Finance and insurance | withheld | |||
| Professional and technical services | withheld | |||
| Health care and social assistance | withheld | |||
| Other services | 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.
Water #
Banks & federal dollars #
$18.7 m in deposits at 1 offices of 1 banks (SOD June 2026); HHI 10,000, highly concentrated. $13.7 m federal obligations in FY2026 (direct payments $13.8 m, loans $705), $45,699 per covered job
| Item | Value | Distance |
|---|---|---|
| Peoples Bank | $18.7 m · 100.0% share · 1 office | |
| Robertson, KY | $13.7 m FY2026 · $45,699/job | |
| MULTIPLE RECIPIENTS | $12.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Peoples Bank | $18,744,000 | 100.0% | 1 |
Deposit concentration is 10,000 across 1 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 1 banks with deposits in the county = 100.0² = 10,000
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 | $11,236,463 |
| Department of Veterans Affairs | $1,330,672 |
| Department of Agriculture | $1,129,867 |
| Railroad Retirement Board | $86,178 |
| Department of Education | $37,681 |
| Federal Communications Commission | $19,059 |
| Department of Transportation | -$130,295 |
That is $45,699 per covered job, against 300 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $13.7 m / 300 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $45,699
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 #
Robertson County, KY: 12 findings, 1 at an alert level, 1 at a watch level and 10 noted
alertRobertson County, KY's covered employment is -6.2% 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 = -6.2 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchRobertson County, KY's covered employment is -6.2% 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 = -6.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteRobertson County, KY's average weekly wage was 11.8% 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
- +11.8 % = 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
noteRobertson County, KY's covered employment was 6.2% 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
- -6.2 % = 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
noteRobertson County, KY's typical home value fell 1.0% from $206,473 in July 2026 to $204,451 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -1.0% = (204450.534587506 - 206473.21710401462) / 206473.21710401462 × 100
- 204450.534587506 = Zillow ZHVI, 2026-08
- 206473.21710401462 = 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.