Todd County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.84, -87.18.
Assembled 2026-10-06. Read the brief.
- 45th pct · 1,665th of 3,063 US counties · median $234,566
- 72nd pct · 34th of 120 Kentucky counties · median $181,373
- 6th pct · 2,874th of 3,063 US counties · median +2.9%
- 42nd pct · 69th of 120 Kentucky counties · median -2.1%
- US counties: not published this period
- Kentucky counties: not published this period
- 24th pct · 2,422nd of 3,221 US counties · median 8,232
- 33rd pct · 80th of 120 Kentucky counties · median 5,237
- 19th pct · 2,604th of 3,221 US counties · median $1,039
- 31st pct · 82nd of 120 Kentucky counties · median $953
- 60th pct · 1,218th of 3,063 US counties · median 4.3
- 83rd pct · 21st 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 $223,585 (Aug 2026), -3.7% over one year, +35.5% over five
- 45th pct · 1,665th of 3,063 US counties · median $234,566
- 72nd pct · 34th of 120 Kentucky counties · median $181,373
| Item | Value | Distance |
|---|---|---|
| Todd County, KY | $223,585 · -3.7% 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 $1,224 a month on $223,585 at 7.28%, against an average weekly wage worth $3,900 a month: 31.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $223,585 × 80% = $178,868, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,224/mo principal and interest
- wage share = payment / (avg weekly wage $900 × 52 / 12 = $3,900) = 31% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $223,585 / ($900 × 52) = 4.8
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 #
3,050 jobs at 346 employers (2026 Q1); +3.8% jobs and 0.0% average weekly wage over the year
- 24th pct · 2,422nd of 3,221 US counties · median 8,232
- 33rd pct · 80th of 120 Kentucky counties · median 5,237
| Item | Value | Distance |
|---|---|---|
| Todd County, KY | 3,050 jobs · $900/wk · +3.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 529 | $1,322 | 2.16 | -4.7% |
| Retail trade | 331 | $505 | 1.11 | +1.5% |
| Wholesale trade | 330 | $817 | 2.82 | +17.0% |
| Construction | 165 | $1,264 | 1.03 | +22.2% |
| Finance and insurance | 90 | $1,242 | 0.72 | +2.3% |
| Professional and technical services | 68 | $1,074 | 0.32 | +3.0% |
| Real estate and rental | 17 | $1,106 | 0.36 | +6.2% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Transportation and warehousing | withheld | |||
| Information | 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 #
D1 moderate drought
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 #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$326.5 m in deposits at 7 offices of 3 banks (SOD June 2026); HHI 4,152, highly concentrated. $71.3 m federal obligations in FY2026 (direct payments $70.7 m, grants $513,881), $23,381 per covered job
| Item | Value | Distance |
|---|---|---|
| Elkton Bank & Trust Company | $168.5 m · 51.6% share · 4 offices | |
| United Southern Bank | $120.2 m · 36.8% share · 2 offices | |
| First Financial Bank, National Association | $37.9 m · 11.6% share · 1 office | |
| Todd, KY | $71.3 m FY2026 · $23,381/job | |
| MULTIPLE RECIPIENTS | $66.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Elkton Bank & Trust Company | $168,510,000 | 51.6% | 4 |
| United Southern Bank | $120,175,000 | 36.8% | 2 |
| First Financial Bank, National Association | $37,862,000 | 11.6% | 1 |
Deposit concentration is 4,152 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 51.6² + 36.8² + 11.6² = 4,152
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 | $54,644,926 |
| Department of Veterans Affairs | $11,471,509 |
| Department of Agriculture | $3,823,712 |
| Department of Housing and Urban Development | $853,308 |
| Railroad Retirement Board | $597,761 |
| Federal Communications Commission | $3,472 |
| Department of Transportation | -$83,614 |
That is $23,381 per covered job, against 3,050 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $71.3 m / 3,050 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $23,381
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 #
Todd County, KY: 8 findings, 2 at a watch level and 6 noted
watchTodd County, KY's typical home value is -3.7% 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 = -3.711092229154104 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchTodd County, KY's typical home value of -3.7% scores 6 on the 0-to-100 scale across US counties but 43 across Kentucky counties, a gap of 37 points.
Period 2026-08.Show the arithmetic
- 37 = |6 across US counties - 43 across Kentucky counties|
position among the entities that published this metric this period; not an official level
noteTodd County, KY's covered employment was 3.8% 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
- +3.8 % = 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
noteTodd County, KY's typical home value rose 0.3% from $222,833 in July 2026 to $223,585 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (223584.68516720622 - 222832.67365779178) / 222832.67365779178 × 100
- 223584.68516720622 = Zillow ZHVI, 2026-08
- 222832.67365779178 = Zillow ZHVI, 2026-07
noteTodd County, KY's covered employment of +3.8% ranks 8th of 120 Kentucky counties, against a median of +0.1%.
Period 2026 Q1.Show the arithmetic
- 94 on the 0-to-100 scale across 120 Kentucky counties that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
Read all 8 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.