Washington County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.75, -85.18.
Assembled 2026-10-07. Read the brief.
- 57th pct · 1,310th of 3,063 US counties · median $234,566
- 83rd pct · 21st of 120 Kentucky counties · median $181,373
- 48th pct · 1,580th of 3,063 US counties · median +2.9%
- 85th pct · 18th of 120 Kentucky counties · median -2.1%
- US counties: not published this period
- Kentucky counties: not published this period
- 28th pct · 2,307th of 3,221 US counties · median 8,232
- 39th pct · 73rd of 120 Kentucky counties · median 5,237
- 27th pct · 2,323rd of 3,221 US counties · median $1,039
- 47th pct · 63rd of 120 Kentucky counties · median $953
- 67th pct · 991st of 3,063 US counties · median 4.3
- 90th pct · 12th 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 $255,280 (Aug 2026), +2.8% over one year, +34.1% over five
- 57th pct · 1,310th of 3,063 US counties · median $234,566
- 83rd pct · 21st of 120 Kentucky counties · median $181,373
| Item | Value | Distance |
|---|---|---|
| Washington County, KY | $255,280 · +2.8% 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 $1,397 a month on $255,280 at 7.28%, against an average weekly wage worth $4,086 a month: 34.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $255,280 × 80% = $204,224, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,397/mo principal and interest
- wage share = payment / (avg weekly wage $943 × 52 / 12 = $4,086) = 34% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $255,280 / ($943 × 52) = 5.2
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 #
3,514 jobs at 366 employers (2026 Q1); -3.2% jobs and -3.7% average weekly wage over the year
- 28th pct · 2,307th of 3,221 US counties · median 8,232
- 39th pct · 73rd of 120 Kentucky counties · median 5,237
| Item | Value | Distance |
|---|---|---|
| Washington County, KY | 3,514 jobs · $943/wk · -3.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,186 | $1,182 | 4.20 | -6.0% |
| Health care and social assistance | 337 | $784 | 0.64 | -21.4% |
| Retail trade | 285 | $536 | 0.83 | +2.2% |
| Wholesale trade | 143 | $827 | 1.06 | +0.7% |
| Other services | 108 | $705 | 1.03 | +5.9% |
| Transportation and warehousing | 92 | $1,008 | 0.62 | +8.2% |
| Finance and insurance | 79 | $1,190 | 0.55 | +0.0% |
| Professional and technical services | 44 | $1,020 | 0.18 | -13.7% |
| Administrative and waste services | 28 | $1,001 | 0.14 | -34.9% |
| Real estate and rental | 5 | $1,024 | 0.09 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | 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 #
83 gauges · 0 flooding · 39 with quality panels averaging 98 % · 19 stale
Sites found: 83, 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 |
|---|---|---|
| BEECH FORK AT MAUD, KY | flow 4.17 ft³/s | 14 km |
| BEECH FORK AT BARDSTOWN, KY | flow 10.5 ft³/s | 27 km |
| ROLLING FORK AT HWY 208 AT CALVARY, KY | flow 11.0 ft³/s | 28 km |
| SALT RIVER AT GLENSBORO, KY | flow 9.44 ft³/s | 29 km |
| ROLLING FORK NEAR LEBANON, KY | flow 36.0 ft³/s · STALE | 31 km |
| MOCKS BRANCH AT HIGHWAY 1896 | flow 1.20 ft³/s · STALE | 33 km |
| BRASHEARS CREEK AT TAYLORSVILLE, KY | flow 12.1 ft³/s | 35 km |
| SPEARS CREEK AT STREAMLAND DRIVE | flow 1.60 ft³/s · STALE | 36 km |
| KENTUCKY RIVER AT LOCK 6 NEAR SALVISA, KY | flow 328.0 ft³/s | 36 km |
| ROLLING FORK AT NEW HAVEN, KY | flow 11.0 ft³/s | 39 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 #
11 wells in 0 named aquifers:
Sites found: 11, 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-374151085413201 | depth 104.3 ft · 2024-05-14 | 46 km |
| USGS-375928084362001 | depth 13.0 ft · 2024-05-16 | 57 km |
| USGS-375927085570801 | depth 31.2 ft · 2016-04-20 | 73 km |
| USGS-375833085575601 | depth 36.7 ft · 2022-09-07 | 74 km |
| USGS-381613085422801 | depth 5.07 ft · 2011-03-09 | 74 km |
| USGS-381638085415801 | depth 16.0 ft · 2006-12-10 | 74 km |
| USGS-381653085413302 | depth 16.9 ft · 2013-07-28 | 74 km |
| USGS-381701085414002 | depth 11.8 ft · 2017-04-19 | 74 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 #
$439.2 m in deposits at 4 offices of 2 banks (SOD June 2026); HHI 7,954, highly concentrated. $82.5 m federal obligations in FY2026 (direct payments $69.9 m, grants $12.3 m), $23,466 per covered job
| Item | Value | Distance |
|---|---|---|
| Springfield State Bank | $388.4 m · 88.4% share · 3 offices | |
| Truist Bank | $50.8 m · 11.6% share · 1 office | |
| Washington, KY | $82.5 m FY2026 · $23,466/job | |
| MULTIPLE RECIPIENTS | $69.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Springfield State Bank | $388,354,000 | 88.4% | 3 |
| Truist Bank | $50,815,000 | 11.6% | 1 |
Deposit concentration is 7,954 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 = 88.4² + 11.6² = 7,954
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 | $63,164,864 |
| Department of Transportation | $11,861,423 |
| Department of Veterans Affairs | $5,754,045 |
| Department of Housing and Urban Development | $904,033 |
| Railroad Retirement Board | $400,093 |
| Department of Agriculture | $373,678 |
| Department of Health and Human Services | $0 |
That is $23,466 per covered job, against 3,514 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $82.5 m / 3,514 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $23,466
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 #
Washington County, KY: 12 findings, 1 at an alert level, 4 at a watch level and 7 noted
alertWashington County, KY's covered employment is -3.2% 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 = -3.2 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchWashington County, KY's average weekly wage is -3.7% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; 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.avgWeeklyWage = -3.7 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchWashington County, KY's covered employment is -3.2% 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 = -3.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchWashington County, KY's momentum index is -0.43, 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 = -0.4349286638624891 <= -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
watchWashington County, KY's typical home value of +2.8% scores 48 on the 0-to-100 scale across US counties but 86 across Kentucky counties, a gap of 37 points.
Period 2026-08.Show the arithmetic
- 37 = |48 across US counties - 86 across Kentucky counties|
position among the entities that published this metric this period; not an official level
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.