Wayne County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.80, -84.83.
Assembled 2026-10-06. Read the brief.
- 23rd pct · 2,339th of 3,063 US counties · median $234,566
- 43rd pct · 68th of 120 Kentucky counties · median $181,373
- 8th pct · 2,799th of 3,063 US counties · median +2.9%
- 47th pct · 63rd of 120 Kentucky counties · median -2.1%
- US counties: not published this period
- Kentucky counties: not published this period
- 37th pct · 2,018th of 3,221 US counties · median 8,232
- 47th pct · 63rd of 120 Kentucky counties · median 5,237
- 6th pct · 3,016th of 3,221 US counties · median $1,039
- 6th pct · 112th of 120 Kentucky counties · median $953
- 46th pct · 1,649th of 3,063 US counties · median 4.3
- 68th pct · 38th 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 $169,835 (Aug 2026), -2.5% over one year, +38.7% over five
- 23rd pct · 2,339th of 3,063 US counties · median $234,566
- 43rd pct · 68th of 120 Kentucky counties · median $181,373
| Item | Value | Distance |
|---|---|---|
| Wayne County, KY | $169,835 · -2.5% 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 $930 a month on $169,835 at 7.28%, against an average weekly wage worth $3,458 a month: 26.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $169,835 × 80% = $135,868, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $930/mo principal and interest
- wage share = payment / (avg weekly wage $798 × 52 / 12 = $3,458) = 27% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $169,835 / ($798 × 52) = 4.1
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 #
5,025 jobs at 462 employers (2026 Q1); -1.6% jobs and +2.0% average weekly wage over the year
- 37th pct · 2,018th of 3,221 US counties · median 8,232
- 47th pct · 63rd of 120 Kentucky counties · median 5,237
| Item | Value | Distance |
|---|---|---|
| Wayne County, KY | 5,025 jobs · $798/wk · -1.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 862 | $829 | 1.14 | +0.0% |
| Manufacturing | 766 | $828 | 1.89 | -19.5% |
| Retail trade | 691 | $623 | 1.41 | +1.3% |
| Accommodation and food services | 385 | $331 | 0.85 | +15.6% |
| Professional and technical services | 187 | $1,113 | 0.54 | -15.4% |
| Wholesale trade | 96 | $1,242 | 0.50 | -16.5% |
| Arts, entertainment and recreation | 83 | $667 | 1.00 | -3.5% |
| Information | 81 | $732 | 0.87 | -9.0% |
| Construction | 59 | $913 | 0.22 | -4.8% |
| Other services | 32 | $465 | 0.21 | +6.7% |
| Unclassified | 16 | $469 | 1.50 | +100.0% |
| 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 #
28 gauges · 0 flooding · 8 with quality panels averaging 100 % · 5 stale
Sites found: 28, 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 |
|---|---|---|
| BEAVER CREEK NEAR MONTICELLO, KY | flow 2.59 ft³/s | 6 km |
| ROCK CREEK NEAR YAMACRAW, KY | flow 18.3 ft³/s · quality 100 % (5) · STALE | 26 km |
| SOUTH FORK CUMBERLAND RIVER NEAR YAMACRAW, KY | flow 407.0 ft³/s · STALE | 27 km |
| CUMBERLAND RIVER AT LONG BOTTOM NEAR ROWENA, KY | stage 2.98 ft · quality 100 % (2) | 29 km |
| CUMBERLAND RIVER NEAR ROWENA, KY | stage 9.77 ft · quality 100 % (2) · STALE | 29 km |
| SOUTH FORK CUMBERLAND RIVER NEAR STEARNS, KY | flow 166.0 ft³/s | 33 km |
| WOLF RIVER NEAR BYRDSTOWN, TN | flow 8.67 ft³/s | 35 km |
| SOUTH FK CUMBERLAND RIVER AT LEATHERWOOD FORD, TN | flow 150.0 ft³/s | 39 km |
| CUMBERLAND RIVER AT CUMBERLAND FALLS, KY | flow 504.0 ft³/s | 43 km |
| CROCUS CREEK NEAR AMANDAVILLE, KY | flow 4.24 ft³/s | 46 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-363304084475600 | depth 100.7 ft · 2026-10-05 | 28 km |
| USGS-365138084264101 | depth 24.1 ft · 1984-08-26 | 35 km |
| USGS-370134085340601 | depth 84.1 ft · 1980-08-28 | 71 km |
| USGS-370211085364301 | depth 76.0 ft · 1983-04-05 | 75 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 #
$510.2 m in deposits at 7 offices of 4 banks (SOD June 2026); HHI 5,507, highly concentrated. $141.3 m federal obligations in FY2026 (direct payments $123.6 m, contracts $16.6 m), $28,119 per covered job
| Item | Value | Distance |
|---|---|---|
| The Monticello Banking Company | $366.1 m · 71.8% share · 4 offices | |
| First Southern National Bank | $87.1 m · 17.1% share · 1 office | |
| Truist Bank | $35.4 m · 6.9% share · 1 office | |
| Wayne, KY | $141.3 m FY2026 · $28,119/job | |
| MULTIPLE RECIPIENTS | $123.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Monticello Banking Company | $366,125,000 | 71.8% | 4 |
| First Southern National Bank | $87,143,000 | 17.1% | 1 |
| Truist Bank | $35,376,000 | 6.9% | 1 |
| The Citizens National Bank of Somerset | $21,567,000 | 4.2% | 1 |
Deposit concentration is 5,507 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 71.8² + 17.1² + 6.9² + … (1 more) = 5,507
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 | $110,755,173 |
| Department of Defense | $15,574,572 |
| Department of Veterans Affairs | $12,314,558 |
| Department of Health and Human Services | $800,000 |
| Department of Housing and Urban Development | $687,099 |
| Railroad Retirement Board | $485,706 |
| Department of Agriculture | $445,669 |
| Department of the Interior | $308,829 |
| Federal Communications Commission | $11,003 |
| Department of Justice | $0 |
| General Services Administration | $0 |
| Small Business Administration | $0 |
That is $28,119 per covered job, against 5,025 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $141.3 m / 5,025 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $28,119
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 #
Wayne County, KY: 10 findings, 3 at a watch level and 7 noted
watchWayne County, KY's typical home value is -2.5% 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 = -2.4919893276103715 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchWayne County, KY's covered employment is -1.6% 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 = -1.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchWayne County, KY's typical home value of -2.5% scores 9 on the 0-to-100 scale across US counties but 48 across Kentucky counties, a gap of 39 points.
Period 2026-08.Show the arithmetic
- 39 = |9 across US counties - 48 across Kentucky counties|
position among the entities that published this metric this period; not an official level
noteWayne County, KY's average weekly wage was 2.0% 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
- +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
noteWayne County, KY's covered employment was 1.6% 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
- -1.6 % = 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.