Webster County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.52, -87.69.
Assembled 2026-10-06. Read the brief.
- 12th pct · 2,671st of 3,063 US counties · median $234,566
- 25th pct · 90th of 120 Kentucky counties · median $181,373
- 81st pct · 581st of 3,063 US counties · median +2.9%
- 99th pct · 2nd of 120 Kentucky counties · median -2.1%
- US counties: not published this period
- Kentucky counties: not published this period
- 24th pct · 2,446th of 3,221 US counties · median 8,232
- 31st pct · 83rd of 120 Kentucky counties · median 5,237
- 62nd pct · 1,209th of 3,221 US counties · median $1,039
- 76th pct · 29th of 120 Kentucky counties · median $953
- 10th pct · 2,754th of 3,063 US counties · median 4.3
- 17th pct · 99th 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 $142,029 (Aug 2026), +6.1% over one year, +34.9% over five
- 12th pct · 2,671st of 3,063 US counties · median $234,566
- 25th pct · 90th of 120 Kentucky counties · median $181,373
| Item | Value | Distance |
|---|---|---|
| Webster County, KY | $142,029 · +6.1% 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 $777 a month on $142,029 at 7.28%, against an average weekly wage worth $4,767 a month: 16.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $142,029 × 80% = $113,624, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $777/mo principal and interest
- wage share = payment / (avg weekly wage $1,100 × 52 / 12 = $4,767) = 16% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $142,029 / ($1,100 × 52) = 2.5
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 #
2,960 jobs at 299 employers (2026 Q1); +4.6% jobs and +2.9% average weekly wage over the year
- 24th pct · 2,446th of 3,221 US counties · median 8,232
- 31st pct · 83rd of 120 Kentucky counties · median 5,237
| Item | Value | Distance |
|---|---|---|
| Webster County, KY | 2,960 jobs · $1,100/wk · +4.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Construction | 532 | $1,485 | 3.43 | +17.2% |
| Manufacturing | 395 | $1,794 | 1.66 | -0.5% |
| Retail trade | 224 | $449 | 0.78 | -14.5% |
| Transportation and warehousing | 157 | $1,381 | 1.26 | +31.9% |
| Finance and insurance | 70 | $985 | 0.58 | +0.0% |
| Professional and technical services | 33 | $1,421 | 0.16 | +37.5% |
| Real estate and rental | 27 | $992 | 0.59 | +35.0% |
| Administrative and waste services | 25 | $1,378 | 0.15 | -7.4% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Wholesale trade | 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 #
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 #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$310.6 m in deposits at 8 offices of 4 banks (SOD June 2026); HHI 3,213, highly concentrated. $89.6 m federal obligations in FY2026 (direct payments $86.2 m, grants $3.4 m), $30,255 per covered job
| Item | Value | Distance |
|---|---|---|
| Independence Bank of Kentucky | $130.0 m · 41.8% share · 2 offices | |
| United Community Bank of West Kentucky, Inc. | $100.7 m · 32.4% share · 3 offices | |
| Planters Bank, Inc. | $59.7 m · 19.2% share · 2 offices | |
| Webster, KY | $89.6 m FY2026 · $30,255/job | |
| MULTIPLE RECIPIENTS | $81.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Independence Bank of Kentucky | $129,971,000 | 41.8% | 2 |
| United Community Bank of West Kentucky, Inc. | $100,673,000 | 32.4% | 3 |
| Planters Bank, Inc. | $59,702,000 | 19.2% | 2 |
| Sonata Bank | $20,260,000 | 6.5% | 1 |
Deposit concentration is 3,213 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 = 41.8² + 32.4² + 19.2² + … (1 more) = 3,213
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 | $74,801,673 |
| Department of Veterans Affairs | $6,635,755 |
| Department of Agriculture | $3,561,300 |
| Department of Health and Human Services | $2,602,504 |
| Department of Housing and Urban Development | $649,939 |
| Railroad Retirement Board | $440,223 |
| Department of Transportation | $398,524 |
| Federal Communications Commission | $319,162 |
| Delta Regional Authority | $150,000 |
| Department of the Interior | -$4,243 |
That is $30,255 per covered job, against 2,960 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $89.6 m / 2,960 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $30,255
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 #
Webster County, KY: 8 findings, 8 noted
noteWebster County, KY's covered employment was 4.6% 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
- +4.6 % = 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
noteWebster County, KY's average weekly wage was 2.9% 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
- +2.9 % = 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
noteWebster County, KY's momentum index of 0.71 ranks 1st of 120 Kentucky counties, against a median of 0.05.
Period 2026-08.Show the arithmetic
- 100 on the 0-to-100 scale across 120 Kentucky counties that published momentum
- 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%)
position among the entities that published this metric this period; not an official level
noteWebster County, KY's typical home value of +6.1% ranks 2nd of 120 Kentucky counties, against a median of -2.1%.
Period 2026-08.Show the arithmetic
- 99 on the 0-to-100 scale across 120 Kentucky counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
noteWebster County, KY's covered employment of +4.6% ranks 5th of 120 Kentucky counties, against a median of +0.1%.
Period 2026 Q1.Show the arithmetic
- 96 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.