Taylor County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.37, -85.33.
Assembled 2026-10-06. Read the brief.
- 43rd pct · 1,741st of 3,063 US counties · median $234,566
- 69th pct · 37th of 120 Kentucky counties · median $181,373
- 15th pct · 2,603rd of 3,063 US counties · median +2.9%
- 58th pct · 50th of 120 Kentucky counties · median -2.1%
- US counties: not published this period
- Kentucky counties: not published this period
- 57th pct · 1,362nd of 3,221 US counties · median 8,232
- 73rd pct · 32nd of 120 Kentucky counties · median 5,237
- 20th pct · 2,552nd of 3,221 US counties · median $1,039
- 34th pct · 79th of 120 Kentucky counties · median $953
- 56th pct · 1,329th of 3,063 US counties · median 4.3
- 78th pct · 27th 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 $216,991 (Aug 2026), -0.9% over one year, +35.8% over five
- 43rd pct · 1,741st of 3,063 US counties · median $234,566
- 69th pct · 37th of 120 Kentucky counties · median $181,373
| Item | Value | Distance |
|---|---|---|
| Taylor County, KY | $216,991 · -0.9% 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 #
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 $1,188 a month on $216,991 at 7.28%, against an average weekly wage worth $3,935 a month: 30.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $216,991 × 80% = $173,593, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,188/mo principal and interest
- wage share = payment / (avg weekly wage $908 × 52 / 12 = $3,935) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $216,991 / ($908 × 52) = 4.6
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 #
11,319 jobs at 955 employers (2026 Q1); -3.7% jobs and +4.1% average weekly wage over the year
- 57th pct · 1,362nd of 3,221 US counties · median 8,232
- 73rd pct · 32nd of 120 Kentucky counties · median 5,237
| Item | Value | Distance |
|---|---|---|
| Taylor County, KY | 11,319 jobs · $908/wk · -3.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,481 | $669 | 1.34 | -6.7% |
| Manufacturing | 1,069 | $1,021 | 1.17 | -6.7% |
| Accommodation and food services | 888 | $366 | 0.87 | -4.5% |
| Administrative and waste services | 456 | $866 | 0.71 | -17.7% |
| Wholesale trade | 417 | $960 | 0.96 | +5.8% |
| Finance and insurance | 327 | $1,626 | 0.71 | +1.2% |
| Professional and technical services | 196 | $797 | 0.25 | +4.3% |
| Other services | 161 | $637 | 0.48 | +5.2% |
| Real estate and rental | 86 | $748 | 0.50 | +10.3% |
| Arts, entertainment and recreation | 60 | $367 | 0.32 | +42.9% |
| Management of companies | 5 | $3,007 | 0.03 | -28.6% |
| Agriculture, forestry, fishing | 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 #
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 #
34 gauges · 0 flooding · 6 with quality panels averaging 100 % · 7 stale
Sites found: 34, 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 |
|---|---|---|
| LITTLE PITMAN CREEK NEAR CAMPBELLSVILLE, KY | flow 54.0 ft³/s · STALE | 6 km |
| GREEN RIVER NEAR CAMPBELLSVILLE, KY | flow 250.0 ft³/s · quality 100 % (1) | 14 km |
| ROLLING FORK NEAR LEBANON, KY | flow 36.0 ft³/s · STALE | 15 km |
| ROLLING FORK AT HWY 208 AT CALVARY, KY | flow 14.8 ft³/s | 17 km |
| GREEN RIVER AT GREENSBURG, KY | stage 1.05 ft · quality 100 % (1) | 20 km |
| RUSSELL CREEK NEAR COLUMBIA, KY | flow 9.08 ft³/s · quality 100 % (1) | 28 km |
| ROLLING FORK AT NEW HAVEN, KY | flow 10.6 ft³/s | 39 km |
| NORTH FORK NOLIN RIVER AT HODGENVILLE, KY | stage 4.55 ft | 44 km |
| BEECH FORK AT BARDSTOWN, KY | flow 9.48 ft³/s | 50 km |
| GREEN RIVER AT MUNFORDVILLE, KY | flow 263.0 ft³/s | 51 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 #
4 wells in 0 named aquifers:
Sites found: 4, 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-370134085340601 | depth 84.1 ft · 1980-08-28 | 43 km |
| USGS-370211085364301 | depth 76.0 ft · 1983-04-05 | 44 km |
| USGS-374151085413201 | depth 104.3 ft · 2024-05-14 | 49 km |
| USGS-365853085495801 | depth 24.7 ft · 1984-10-30 | 62 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 #
$784.8 m in deposits at 13 offices of 5 banks (SOD June 2026); HHI 2,922, highly concentrated. $169.5 m federal obligations in FY2026 (direct payments $164.9 m, grants $4.3 m), $14,978 per covered job
| Item | Value | Distance |
|---|---|---|
| Citizens Bank & Trust Company | $333.9 m · 42.5% share · 4 offices | |
| Taylor County Bank | $217.3 m · 27.7% share · 4 offices | |
| Community Trust Bank, Inc. | $117.3 m · 14.9% share · 2 offices | |
| Taylor, KY | $169.5 m FY2026 · $14,978/job | |
| MULTIPLE RECIPIENTS | $153.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Citizens Bank & Trust Company | $333,872,000 | 42.5% | 4 |
| Taylor County Bank | $217,254,000 | 27.7% | 4 |
| Community Trust Bank, Inc. | $117,294,000 | 14.9% | 2 |
| Forcht Bank, National Association | $77,699,000 | 9.9% | 2 |
| United Citizens Bank of Southern Kentucky | $38,708,000 | 4.9% | 1 |
Deposit concentration is 2,922 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 = 42.5² + 27.7² + 14.9² + … (2 more) = 2,922
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 | $136,043,297 |
| Department of Veterans Affairs | $16,878,392 |
| Department of Education | $11,160,878 |
| Department of Housing and Urban Development | $4,135,549 |
| Department of Agriculture | $682,850 |
| Railroad Retirement Board | $632,493 |
| Department of Health and Human Services | $361,187 |
| Department of Defense | $161,130 |
| Federal Communications Commission | $6,169 |
| Small Business Administration | $0 |
| Department of Transportation | -$526,623 |
That is $14,978 per covered job, against 11,319 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $169.5 m / 11,319 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,978
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 #
Taylor County, KY: 10 findings, 1 at an alert level, 3 at a watch level and 6 noted
alertTaylor County, KY's covered employment is -3.7% 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 = -3.7 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchTaylor County, KY's covered employment is -3.7% 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 = -3.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchTaylor County, KY's typical home value is -0.9% 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 = -0.9326040154219044 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchTaylor County, KY's typical home value of -0.9% scores 15 on the 0-to-100 scale across US counties but 59 across Kentucky counties, a gap of 44 points.
Period 2026-08.Show the arithmetic
- 44 = |15 across US counties - 59 across Kentucky counties|
position among the entities that published this metric this period; not an official level
noteTaylor County, KY's average weekly wage was 4.1% 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
- +4.1 % = 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.