Delaware County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.23, -85.40.
Assembled 2026-10-19. Read the brief.
- 24th pct · 2,313th of 3,063 US counties · median $230,451
- 12th pct · 81st of 92 Indiana counties · median $230,095
- counties in the Muncie metro: Rank context is unavailable: the manifest lists 1 counties in the Muncie metro; fewer than 5 is too few to rank.
- 67th pct · 985th of 3,062 US counties · median +2.9%
- 52nd pct · 44th of 92 Indiana counties · median +4.2%
- counties in the Muncie metro: Rank context is unavailable: the manifest lists 1 counties in the Muncie metro; fewer than 5 is too few to rank.
- 10th pct · 1,222nd of 1,358 US counties · median $1,506
- 30th pct · 31st of 44 Indiana counties · median $1,207
- counties in the Muncie metro: Rank context is unavailable: the manifest lists 1 counties in the Muncie metro; fewer than 5 is too few to rank.
- 82nd pct · 568th of 3,221 US counties · median 8,232
- 82nd pct · 17th of 92 Indiana counties · median 12,958
- counties in the Muncie metro: Rank context is unavailable: the manifest lists 1 counties in the Muncie metro; fewer than 5 is too few to rank.
- 60th pct · 1,285th of 3,221 US counties · median $1,039
- 59th pct · 38th of 92 Indiana counties · median $1,045
- counties in the Muncie metro: Rank context is unavailable: the manifest lists 1 counties in the Muncie metro; fewer than 5 is too few to rank.
- 20th pct · 2,424th of 3,063 US counties · median 4.2
- 12th pct · 81st of 92 Indiana counties · median 4.1
- counties in the Muncie metro: Rank context is unavailable: the manifest lists 1 counties in the Muncie 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 $168,797 (Sep 2026), +4.3% over one year, +38.5% over five
- 24th pct · 2,313th of 3,063 US counties · median $230,451
- 12th pct · 81st of 92 Indiana counties · median $230,095
- counties in the Muncie metro: Rank context is unavailable: the manifest lists 1 counties in the Muncie metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Delaware County, IN | $168,797 · +4.3% 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 $1,043/mo (Sep 2026), +5.6% over one year; price-to-rent 13.5
- 10th pct · 1,222nd of 1,358 US counties · median $1,506
- 30th pct · 31st of 44 Indiana counties · median $1,207
- counties in the Muncie metro: Rank context is unavailable: the manifest lists 1 counties in the Muncie metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Delaware County, IN | $1,043/mo · +5.6% 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 $935 a month on $168,797 at 7.40%, against an average weekly wage worth $4,715 a month: 19.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $168,797 × 80% = $135,038, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $935/mo principal and interest
- wage share = payment / (avg weekly wage $1,088 × 52 / 12 = $4,715) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $168,797 / ($1,088 × 52) = 3.0
- price-to-rent = $168,797 / ($1,043 × 12) = 13.5
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 #
43,947 jobs at 2,399 employers (2026 Q1); -0.7% jobs and +8.2% average weekly wage over the year
- 82nd pct · 568th of 3,221 US counties · median 8,232
- 82nd pct · 17th of 92 Indiana counties · median 12,958
- counties in the Muncie metro: Rank context is unavailable: the manifest lists 1 counties in the Muncie metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Delaware County, IN | 43,947 jobs · $1,088/wk · -0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 9,673 | $1,442 | 1.46 | +1.2% |
| Retail trade | 5,584 | $706 | 1.30 | -2.6% |
| Accommodation and food services | 4,736 | $393 | 1.20 | -1.2% |
| Manufacturing | 4,152 | $1,176 | 1.17 | +3.5% |
| Administrative and waste services | 2,209 | $976 | 0.88 | +2.4% |
| Construction | 1,513 | $1,190 | 0.66 | +3.8% |
| Finance and insurance | 1,460 | $1,370 | 0.82 | -12.4% |
| Professional and technical services | 1,440 | $1,426 | 0.48 | -2.7% |
| Other services | 1,309 | $758 | 1.00 | -0.2% |
| Wholesale trade | 1,056 | $1,646 | 0.63 | -7.3% |
| Real estate and rental | 517 | $931 | 0.77 | -2.1% |
| Arts, entertainment and recreation | 370 | $413 | 0.51 | +3.1% |
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 #
2 USGS reservoir gauges, no capacity figures to weight
Sites found: 2, 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.
| Site | Reading | Distance |
|---|---|---|
| USGS-03350400 | 22,440 Acre-ft (USGS, no capacity on file) | 57 km |
| USGS-03351700 | 21,980 Acre-ft (USGS, no capacity on file) | 61 km |
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 #
68 gauges · 0 flooding · 4 with quality panels averaging 100 % · 17 stale
Sites found: 68, 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-03347000 | flow 38.5 ft³/s | 3 km |
| USGS-03347598 | flow 32.4 ft³/s | 10 km |
| USGS-03348020 | flow 2.50 ft³/s · STALE | 11 km |
| USGS-03347500 | flow 56.0 ft³/s · STALE | 11 km |
| USGS-03326070 | flow 19.0 ft³/s · STALE | 22 km |
| USGS-03351400 | flow 1.10 ft³/s · STALE | 23 km |
| USGS-03348100 | flow 12.0 ft³/s · STALE | 24 km |
| USGS-03348000 | flow 139.0 ft³/s | 27 km |
| USGS-03348130 | flow 140.0 ft³/s | 29 km |
| USGS-03348350 | flow 18.6 ft³/s | 31 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 #
25 wells in 0 named aquifers:
Sites found: 25, 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-400541085213701 | depth 47.2 ft · 2026-10-18 | 15 km |
| USGS-401532085085301 | depth 13.4 ft · 2026-10-19 | 22 km |
| USGS-401308085394101 | depth 5.82 ft · 2026-06-23 | 22 km |
| USGS-400641085413701 | depth 16.0 ft · 2026-10-18 | 28 km |
| USGS-395713085202901 | depth 21.8 ft · 2007-03-23 | 31 km |
| USGS-402848085340201 | depth 20.3 ft · 2025-02-02 | 31 km |
| USGS-402322085481901 | depth 6.48 ft · 2026-10-19 | 39 km |
| USGS-400131085504301 | depth 12.8 ft · 2025-06-30 | 44 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 #
$3.6 bn in deposits at 21 offices of 6 banks (SOD June 2026); HHI 4,404, highly concentrated. $713.2 m federal obligations in FY2026 (direct payments $690.0 m, grants $22.9 m), $16,229 per covered job
| Item | Value | Distance |
|---|---|---|
| First Merchants Bank | $2.3 bn · 63.6% share · 7 offices | |
| Northwest Bank | $479.3 m · 13.4% share · 5 offices | |
| JPMorgan Chase Bank, National Association | $350.8 m · 9.8% share · 2 offices | |
| Delaware, IN | $713.2 m FY2026 · $16,229/job | |
| MULTIPLE RECIPIENTS | $633.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Merchants Bank | $2,265,713,000 | 63.6% | 7 |
| Northwest Bank | $479,260,000 | 13.4% | 5 |
| JPMorgan Chase Bank, National Association | $350,770,000 | 9.8% | 2 |
| STAR Financial Bank | $243,803,000 | 6.8% | 3 |
| Old National Bank | $222,954,000 | 6.3% | 3 |
| Woodforest National Bank | $1,899,000 | 0.1% | 1 |
Deposit concentration is 4,404 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 63.6² + 13.4² + 9.8² + … (3 more) = 4,404
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 | $574,221,200 |
| Department of Veterans Affairs | $55,445,611 |
| Department of Education | $40,075,822 |
| Department of Housing and Urban Development | $15,843,782 |
| Department of Transportation | $9,876,114 |
| Department of Health and Human Services | $6,698,092 |
| Department of Agriculture | $4,801,753 |
| Railroad Retirement Board | $3,936,605 |
| Federal Communications Commission | $1,171,739 |
| National Science Foundation | $996,296 |
| Institute of Museum and Library Services | $95,000 |
| Department of the Interior | $74,675 |
That is $16,229 per covered job, against 43,947 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $713.2 m / 43,947 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,229
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 #
Delaware County, IN: 8 findings, 1 at a watch level and 7 noted
watchDelaware County, IN's covered employment is -0.7% 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 = -0.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteDelaware County, IN's average weekly wage was 8.2% 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
- +8.2 % = 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
noteDelaware County, IN's covered employment was 0.7% 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
- -0.7 % = 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
noteDelaware County, IN's typical asking rent fell 0.5% from $1,048 in August 2026 to $1,043 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- -0.5% = (1043.3262962962963 - 1048.4912170770165) / 1048.4912170770165 × 100
- 1043.3262962962963 = Zillow ZORI, 2026-09
- 1048.4912170770165 = Zillow ZORI, 2026-08
noteDelaware County, IN's price-to-rent ratio of 13.5 ranks 41st of 44 Indiana counties, against a median of 16.2.
Period 2026-09.Show the arithmetic
- 7 on the 0-to-100 scale across 44 Indiana counties that published priceToRent
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
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.