Allen County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.09, -85.07.
Assembled 2026-10-19. Read the brief.
- 58th pct · 1,273rd of 3,063 US counties · median $230,451
- 63rd pct · 34th of 92 Indiana counties · median $230,095
- counties in the Fort Wayne metro: Rank context is unavailable: the manifest lists 3 counties in the Fort Wayne metro; fewer than 5 is too few to rank.
- 57th pct · 1,288th of 3,062 US counties · median +2.9%
- 40th pct · 55th of 92 Indiana counties · median +4.2%
- counties in the Fort Wayne metro: Rank context is unavailable: the manifest lists 3 counties in the Fort Wayne metro; fewer than 5 is too few to rank.
- 26th pct · 997th of 1,358 US counties · median $1,506
- 58th pct · 19th of 44 Indiana counties · median $1,207
- counties in the Fort Wayne metro: Rank context is unavailable: the manifest lists 3 counties in the Fort Wayne metro; fewer than 5 is too few to rank.
- 95th pct · 161st of 3,221 US counties · median 8,232
- 98th pct · 2nd of 92 Indiana counties · median 12,958
- counties in the Fort Wayne metro: Rank context is unavailable: the manifest lists 3 counties in the Fort Wayne metro; fewer than 5 is too few to rank.
- 84th pct · 502nd of 3,221 US counties · median $1,039
- 85th pct · 14th of 92 Indiana counties · median $1,045
- counties in the Fort Wayne metro: Rank context is unavailable: the manifest lists 3 counties in the Fort Wayne metro; fewer than 5 is too few to rank.
- 40th pct · 1,835th of 3,063 US counties · median 4.2
- 35th pct · 60th of 92 Indiana counties · median 4.1
- counties in the Fort Wayne metro: Rank context is unavailable: the manifest lists 3 counties in the Fort Wayne metro; fewer than 5 is too few to rank.
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 $254,595 (Sep 2026), +3.5% over one year, +34.0% over five
- 58th pct · 1,273rd of 3,063 US counties · median $230,451
- 63rd pct · 34th of 92 Indiana counties · median $230,095
- counties in the Fort Wayne metro: Rank context is unavailable: the manifest lists 3 counties in the Fort Wayne metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Allen County, IN | $254,595 · +3.5% 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 #
Typical rent $1,265/mo (Sep 2026), +6.5% over one year; price-to-rent 16.8
- 26th pct · 997th of 1,358 US counties · median $1,506
- 58th pct · 19th of 44 Indiana counties · median $1,207
- counties in the Fort Wayne metro: Rank context is unavailable: the manifest lists 3 counties in the Fort Wayne metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Allen County, IN | $1,265/mo · +6.5% 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 $1,410 a month on $254,595 at 7.40%, against an average weekly wage worth $5,620 a month: 25.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $254,595 × 80% = $203,676, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,410/mo principal and interest
- wage share = payment / (avg weekly wage $1,297 × 52 / 12 = $5,620) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $254,595 / ($1,297 × 52) = 3.8
- price-to-rent = $254,595 / ($1,265 × 12) = 16.8
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 #
199,036 jobs at 10,924 employers (2026 Q1); +0.9% jobs and +2.4% average weekly wage over the year
- 95th pct · 161st of 3,221 US counties · median 8,232
- 98th pct · 2nd of 92 Indiana counties · median 12,958
- counties in the Fort Wayne metro: Rank context is unavailable: the manifest lists 3 counties in the Fort Wayne metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Allen County, IN | 199,036 jobs · $1,297/wk · +0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 39,291 | $1,380 | 1.31 | +0.9% |
| Manufacturing | 29,232 | $1,613 | 1.83 | +1.3% |
| Retail trade | 21,281 | $819 | 1.10 | -0.3% |
| Accommodation and food services | 16,985 | $447 | 0.95 | +0.3% |
| Construction | 11,966 | $1,821 | 1.15 | +4.2% |
| Administrative and waste services | 9,585 | $901 | 0.85 | -0.1% |
| Wholesale trade | 8,753 | $1,604 | 1.15 | +0.0% |
| Transportation and warehousing | 8,592 | $1,113 | 1.02 | +0.6% |
| Finance and insurance | 7,841 | $2,459 | 0.97 | -1.3% |
| Professional and technical services | 7,194 | $1,666 | 0.52 | -0.4% |
| Other services | 6,391 | $796 | 1.07 | +1.3% |
| Educational services | 3,432 | $812 | 0.80 | +2.1% |
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 #
$9.8 bn in deposits at 85 offices of 24 banks (SOD June 2026); HHI 1,022, moderately concentrated. $2.4 bn federal obligations in FY2026 (direct payments $2.1 bn, contracts $166.0 m), $12,003 per covered job
| Item | Value | Distance |
|---|---|---|
| JPMorgan Chase Bank, National Association | $1.9 bn · 19.5% share · 10 offices | |
| Lake City Bank | $1.5 bn · 15.8% share · 5 offices | |
| PNC Bank, National Association | $827.3 m · 8.4% share · 7 offices | |
| Allen, IN | $2.4 bn FY2026 · $12,003/job | |
| MULTIPLE RECIPIENTS | $2.0 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | $1,915,718,000 | 19.5% | 10 |
| Lake City Bank | $1,548,602,000 | 15.8% | 5 |
| PNC Bank, National Association | $827,254,000 | 8.4% | 7 |
| Flagstar Bank, National Association | $825,884,000 | 8.4% | 9 |
| First Merchants Bank | $778,833,000 | 7.9% | 7 |
| STAR Financial Bank | $723,874,000 | 7.4% | 7 |
| WesBanco Bank, Inc. | $609,167,000 | 6.2% | 2 |
| Fifth Third Bank, National Association | $597,090,000 | 6.1% | 5 |
| 1st Source Bank | $478,527,000 | 4.9% | 8 |
| Old National Bank | $419,204,000 | 4.3% | 4 |
Deposit concentration is 1,022 across 24 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 24 banks with deposits in the county = 19.5² + 15.8² + 8.4² + … (21 more) = 1,022
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 | $1,811,509,946 |
| Department of Veterans Affairs | $182,980,729 |
| Department of Defense | $127,045,310 |
| Department of Transportation | $95,709,284 |
| Department of Education | $41,065,387 |
| National Aeronautics and Space Administration | $34,258,418 |
| Department of Housing and Urban Development | $33,594,119 |
| Department of Health and Human Services | $27,416,826 |
| Department of Agriculture | $14,367,776 |
| Railroad Retirement Board | $13,937,611 |
| Federal Communications Commission | $3,595,830 |
| General Services Administration | $902,231 |
That is $12,003 per covered job, against 199,036 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $2.4 bn / 199,036 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $12,003
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 | 17.95 | 2026-10-18 | -2.6% |
| 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 · % | 72.20 | 2026-10-19 | +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 | 7.00 | 2026-10-13 | +133.3% |
| 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 | 101.91 | 2026-10-14 | +1.0% |
| 30-year fixed mortgage rate · % | 7.40 | 2026-10-15 | +0.0% |
| 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 | 652,115.00 | 2026-09-01 | +0.7% |
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 #
Allen County, IN: 10 findings, 1 at a watch level and 9 noted
watchAllen County, IN's typical asking rent of $1,265 scores 27 on the 0-to-100 scale across US counties but 58 across Indiana counties, a gap of 32 points.
Period 2026-09.Show the arithmetic
- 32 = |27 across US counties - 58 across Indiana counties|
position among the entities that published this metric this period; not an official level
noteAllen County, IN's average weekly wage was 2.4% 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
- +2.4 % = 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
noteAllen County, IN's covered employment was 0.9% 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
- +0.9 % = 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
noteAllen County, IN's typical home value rose 0.4% from $253,699 in August 2026 to $254,595 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.4% = (254595.46436276622 - 253699.18807939746) / 253699.18807939746 × 100
- 254595.46436276622 = Zillow ZHVI, 2026-09
- 253699.18807939746 = Zillow ZHVI, 2026-08
noteAllen County, IN's typical asking rent rose 0.3% from $1,261 in August 2026 to $1,265 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +0.3% = (1264.533745164876 - 1260.5022733474334) / 1260.5022733474334 × 100
- 1264.533745164876 = Zillow ZORI, 2026-09
- 1260.5022733474334 = Zillow ZORI, 2026-08
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.