Indiana County, PA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.65, -79.09.
Assembled 2026-10-06. Read the brief.
- 25th pct · 2,289th of 3,063 US counties · median $234,566
- 25th pct · 50th of 67 Pennsylvania counties · median $233,681
- 91st pct · 255th of 3,063 US counties · median +2.9%
- 96th pct · 3rd of 67 Pennsylvania counties · median +3.4%
- 4th pct · 1,336th of 1,399 US counties · median $1,496
- 10th pct · 43rd of 48 Pennsylvania counties · median $1,349
- 76th pct · 757th of 3,221 US counties · median 8,232
- 50th pct · 34th of 67 Pennsylvania counties · median 27,809
- 71st pct · 907th of 3,221 US counties · median $1,039
- 65th pct · 24th of 67 Pennsylvania counties · median $1,102
- 16th pct · 2,550th of 3,063 US counties · median 4.3
- 22nd pct · 52nd of 67 Pennsylvania counties · median 3.8
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 $173,542 (Aug 2026), +8.2% over one year, +27.5% over five
- 25th pct · 2,289th of 3,063 US counties · median $234,566
- 25th pct · 50th of 67 Pennsylvania counties · median $233,681
| Item | Value | Distance |
|---|---|---|
| Indiana County, PA | $173,542 · +8.2% 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 $910/mo (Aug 2026), +30.2% over one year; price-to-rent 15.9
- 4th pct · 1,336th of 1,399 US counties · median $1,496
- 10th pct · 43rd of 48 Pennsylvania counties · median $1,349
| Item | Value | Distance |
|---|---|---|
| Indiana County, PA | $910/mo · +30.2% 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 $950 a month on $173,542 at 7.28%, against an average weekly wage worth $5,044 a month: 18.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $173,542 × 80% = $138,834, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $950/mo principal and interest
- wage share = payment / (avg weekly wage $1,164 × 52 / 12 = $5,044) = 19% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $173,542 / ($1,164 × 52) = 2.9
- price-to-rent = $173,542 / ($910 × 12) = 15.9
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 #
27,809 jobs at 1,899 employers (2026 Q1); -0.1% jobs and +5.4% average weekly wage over the year
- 76th pct · 757th of 3,221 US counties · median 8,232
- 50th pct · 34th of 67 Pennsylvania counties · median 27,809
| Item | Value | Distance |
|---|---|---|
| Indiana County, PA | 27,809 jobs · $1,164/wk · -0.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 4,929 | $1,055 | 1.18 | +3.2% |
| Retail trade | 3,461 | $700 | 1.28 | -3.7% |
| Accommodation and food services | 2,596 | $371 | 1.04 | -2.5% |
| Manufacturing | 1,959 | $1,102 | 0.88 | -0.5% |
| Wholesale trade | 1,485 | $1,190 | 1.39 | +1.6% |
| Finance and insurance | 1,421 | $2,299 | 1.25 | -3.5% |
| Other services | 1,218 | $1,006 | 1.47 | -4.2% |
| Transportation and warehousing | 1,123 | $1,030 | 0.96 | +9.2% |
| Mining, oil and gas | 903 | $1,987 | 9.12 | +2.7% |
| Construction | 877 | $1,068 | 0.60 | -0.5% |
| Professional and technical services | 642 | $1,225 | 0.33 | -4.7% |
| Utilities | 567 | $3,815 | 5.16 | +3.7% |
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 #
$3.1 bn in deposits at 25 offices of 7 banks (SOD June 2026); HHI 2,840, highly concentrated. $554.3 m federal obligations in FY2026 (direct payments $536.5 m, grants $14.9 m), $19,932 per covered job
| Item | Value | Distance |
|---|---|---|
| S&T Bank | $1.3 bn · 43.6% share · 8 offices | |
| First Commonwealth Bank | $791.5 m · 25.7% share · 6 offices | |
| InFirst Bank | $409.3 m · 13.3% share · 4 offices | |
| Indiana, PA | $554.3 m FY2026 · $19,932/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| S&T Bank | $1,341,002,000 | 43.6% | 8 |
| First Commonwealth Bank | $791,485,000 | 25.7% | 6 |
| InFirst Bank | $409,278,000 | 13.3% | 4 |
| Marion Center Bank | $223,536,000 | 7.3% | 3 |
| PNC Bank, National Association | $204,729,000 | 6.7% | 2 |
| 1st Summit Bank | $58,750,000 | 1.9% | 1 |
| First National Bank of Pennsylvania | $49,056,000 | 1.6% | 1 |
Deposit concentration is 2,840 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 43.6² + 25.7² + 13.3² + … (4 more) = 2,840
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 #
That is $19,932 per covered job, against 27,809 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $554.3 m / 27,809 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,932
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 #
Indiana County, PA: 13 findings, 3 at a watch level and 10 noted
watchIndiana County, PA's typical asking rent is +30.2% against a year earlier, a watch level here: typical asking rent at least 8 percent above a year ago (arithmetic on Zillow ZORI; 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.yoyPct = 30.16054217480647 >= 8
arithmetic on Zillow ZORI; convention chosen for this dashboard, not an official level
watchIndiana County, PA's typical asking rent is -1.6% 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 = -1.5947777038282782 <= -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
watchIndiana County, PA's covered employment is -0.1% 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 = -0.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteIndiana County, PA's average weekly wage was 5.4% 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
- +5.4 % = 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
noteIndiana County, PA's typical asking rent fell 1.6% from $925 in July 2026 to $910 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -1.6% = (909.9444444444445 - 924.6912137505981) / 924.6912137505981 × 100
- 909.9444444444445 = Zillow ZORI, 2026-08
- 924.6912137505981 = 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.