Woodford County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.04, -84.75.
Assembled 2026-10-07. Read the brief.
- 79th pct · 614th of 3,063 US counties · median $234,566
- 98th pct · 3rd of 120 Kentucky counties · median $181,373
- 100th pct · 1st of 6 counties in the Lexington-Fayette metro · median $330,258
- 15th pct · 2,578th of 3,063 US counties · median +2.9%
- 59th pct · 49th of 120 Kentucky counties · median -2.1%
- 20th pct · 5th of 6 counties in the Lexington-Fayette metro · median +2.9%
- 48th pct · 716th of 1,399 US counties · median $1,496
- 74th pct · 9th of 32 Kentucky counties · median $1,250
- 50th pct · 3rd of 5 counties in the Lexington-Fayette metro · median $1,488
- 55th pct · 1,450th of 3,221 US counties · median 8,232
- 69th pct · 37th of 120 Kentucky counties · median 5,237
- 20th pct · 5th of 6 counties in the Lexington-Fayette metro · median 16,249
- 52nd pct · 1,540th of 3,221 US counties · median $1,039
- 67th pct · 39th of 120 Kentucky counties · median $953
- 0th pct · 6th of 6 counties in the Lexington-Fayette metro · median $1,116
- 84th pct · 488th of 3,063 US counties · median 4.3
- 98th pct · 3rd of 120 Kentucky counties · median 3.6
- 100th pct · 1st of 6 counties in the Lexington-Fayette metro · median 4.7
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 $354,986 (Aug 2026), -0.8% over one year, +24.6% over five
- 79th pct · 614th of 3,063 US counties · median $234,566
- 98th pct · 3rd of 120 Kentucky counties · median $181,373
- 100th pct · 1st of 6 counties in the Lexington-Fayette metro · median $330,258
| Item | Value | Distance |
|---|---|---|
| Woodford County, KY | $354,986 · -0.8% 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 #
Typical rent $1,488/mo (Aug 2026), +2.4% over one year; price-to-rent 19.9
- 48th pct · 716th of 1,399 US counties · median $1,496
- 74th pct · 9th of 32 Kentucky counties · median $1,250
- 50th pct · 3rd of 5 counties in the Lexington-Fayette metro · median $1,488
| Item | Value | Distance |
|---|---|---|
| Woodford County, KY | $1,488/mo · +2.4% 1-yr |
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 $1,943 a month on $354,986 at 7.28%, against an average weekly wage worth $4,541 a month: 42.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $354,986 × 80% = $283,989, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,943/mo principal and interest
- wage share = payment / (avg weekly wage $1,048 × 52 / 12 = $4,541) = 43% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $354,986 / ($1,048 × 52) = 6.5
- price-to-rent = $354,986 / ($1,488 × 12) = 19.9
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 #
9,889 jobs at 1,134 employers (2026 Q1); -2.6% jobs and +1.7% average weekly wage over the year
- 55th pct · 1,450th of 3,221 US counties · median 8,232
- 69th pct · 37th of 120 Kentucky counties · median 5,237
- 20th pct · 5th of 6 counties in the Lexington-Fayette metro · median 16,249
| Item | Value | Distance |
|---|---|---|
| Woodford County, KY | 9,889 jobs · $1,048/wk · -2.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,168 | $1,356 | 1.47 | -19.8% |
| Accommodation and food services | 1,063 | $439 | 1.20 | +8.9% |
| Retail trade | 740 | $656 | 0.77 | -0.7% |
| Health care and social assistance | 663 | $1,017 | 0.45 | -0.3% |
| Wholesale trade | 601 | $1,358 | 1.59 | -14.1% |
| Educational services | 532 | $788 | 2.50 | -2.0% |
| Professional and technical services | 472 | $1,584 | 0.69 | +0.6% |
| Construction | 416 | $1,231 | 0.80 | +7.5% |
| Transportation and warehousing | 257 | $1,012 | 0.62 | +0.0% |
| Administrative and waste services | 209 | $1,628 | 0.37 | +0.0% |
| Finance and insurance | 164 | $1,701 | 0.41 | +1.2% |
| Arts, entertainment and recreation | 137 | $843 | 0.84 | -3.5% |
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 #
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 #
$575.0 m in deposits at 6 offices of 5 banks (SOD June 2026); HHI 2,463, highly concentrated. $191.6 m federal obligations in FY2026 (direct payments $185.1 m, grants $6.4 m), $19,377 per covered job
| Item | Value | Distance |
|---|---|---|
| City National Bank of West Virginia | $212.0 m · 36.9% share · 2 offices | |
| Community Trust Bank, Inc. | $138.3 m · 24.1% share · 1 office | |
| WesBanco Bank, Inc. | $87.2 m · 15.2% share · 1 office | |
| Woodford, KY | $191.6 m FY2026 · $19,377/job | |
| MULTIPLE RECIPIENTS | $173.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| City National Bank of West Virginia | $211,961,000 | 36.9% | 2 |
| Community Trust Bank, Inc. | $138,350,000 | 24.1% | 1 |
| WesBanco Bank, Inc. | $87,191,000 | 15.2% | 1 |
| PNC Bank, National Association | $80,999,000 | 14.1% | 1 |
| Stock Yards Bank & Trust Company | $56,488,000 | 9.8% | 1 |
Deposit concentration is 2,463 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 = 36.9² + 24.1² + 15.2² + … (2 more) = 2,463
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 | $157,857,307 |
| Department of Veterans Affairs | $14,426,926 |
| Department of Housing and Urban Development | $7,526,615 |
| Department of Transportation | $5,348,593 |
| Department of Education | $4,025,680 |
| Department of Health and Human Services | $1,684,942 |
| Railroad Retirement Board | $482,704 |
| Department of Agriculture | $210,846 |
| Small Business Administration | $39,544 |
| Department of Defense | $19,077 |
| National Science Foundation | $0 |
That is $19,377 per covered job, against 9,889 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $191.6 m / 9,889 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,377
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 #
Woodford County, KY: 20 findings, 4 at a watch level and 16 noted
watchWoodford County, KY's covered employment is -2.6% 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 = -2.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchWoodford County, KY's typical asking rent is -3.0% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; 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: rent.momPct = -2.995802249434272 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level
watchWoodford County, KY's typical home value is -0.8% 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 = -0.8066634361861389 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchWoodford County, KY's typical home value of -0.8% scores 16 on the 0-to-100 scale across US counties but 60 across Kentucky counties, a gap of 44 points.
Period 2026-08.Show the arithmetic
- 44 = |16 across US counties - 60 across Kentucky counties|
position among the entities that published this metric this period; not an official level
noteWoodford County, KY's typical asking rent fell 3.0% from $1,533 in July 2026 to $1,488 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -3.0% = (1487.5 - 1533.4387938807781) / 1533.4387938807781 × 100
- 1487.5 = Zillow ZORI, 2026-08
- 1533.4387938807781 = Zillow ZORI, 2026-07
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.