Johnson County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.50, -86.09.
Assembled 2026-10-19. Read the brief.
- 72nd pct · 835th of 3,063 US counties · median $230,451
- 90th pct · 10th of 92 Indiana counties · median $230,095
- 50th pct · 6th of 11 counties in the Indianapolis-Carmel-Greenwood metro · median $312,876
- 34th pct · 2,005th of 3,062 US counties · median +2.9%
- 9th pct · 83rd of 92 Indiana counties · median +4.2%
- 20th pct · 9th of 11 counties in the Indianapolis-Carmel-Greenwood metro · median +2.0%
- 57th pct · 575th of 1,358 US counties · median $1,506
- 88th pct · 6th of 44 Indiana counties · median $1,207
- 50th pct · 5th of 9 counties in the Indianapolis-Carmel-Greenwood metro · median $1,597
- 87th pct · 416th of 3,221 US counties · median 8,232
- 89th pct · 11th of 92 Indiana counties · median 12,958
- 70th pct · 4th of 11 counties in the Indianapolis-Carmel-Greenwood metro · median 39,851
- 46th pct · 1,707th of 3,221 US counties · median $1,039
- 42nd pct · 53rd of 92 Indiana counties · median $1,045
- 20th pct · 9th of 11 counties in the Indianapolis-Carmel-Greenwood metro · median $1,134
- 78th pct · 666th of 3,063 US counties · median 4.2
- 92nd pct · 8th of 92 Indiana counties · median 4.1
- 70th pct · 4th of 11 counties in the Indianapolis-Carmel-Greenwood metro · median 5.5
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 $312,876 (Sep 2026), +1.5% over one year, +21.0% over five
- 72nd pct · 835th of 3,063 US counties · median $230,451
- 90th pct · 10th of 92 Indiana counties · median $230,095
- 50th pct · 6th of 11 counties in the Indianapolis-Carmel-Greenwood metro · median $312,876
| Item | Value | Distance |
|---|---|---|
| Johnson County, IN | $312,876 · +1.5% 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 $1,597/mo (Sep 2026), +3.8% over one year; price-to-rent 16.3
- 57th pct · 575th of 1,358 US counties · median $1,506
- 88th pct · 6th of 44 Indiana counties · median $1,207
- 50th pct · 5th of 9 counties in the Indianapolis-Carmel-Greenwood metro · median $1,597
| Item | Value | Distance |
|---|---|---|
| Johnson County, IN | $1,597/mo · +3.8% 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 $1,733 a month on $312,876 at 7.40%, against an average weekly wage worth $4,442 a month: 39.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $312,876 × 80% = $250,301, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,733/mo principal and interest
- wage share = payment / (avg weekly wage $1,025 × 52 / 12 = $4,442) = 39% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $312,876 / ($1,025 × 52) = 5.9
- price-to-rent = $312,876 / ($1,597 × 12) = 16.3
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 #
66,545 jobs at 4,360 employers (2026 Q1); +2.7% jobs and +3.6% average weekly wage over the year
- 87th pct · 416th of 3,221 US counties · median 8,232
- 89th pct · 11th of 92 Indiana counties · median 12,958
- 70th pct · 4th of 11 counties in the Indianapolis-Carmel-Greenwood metro · median 39,851
| Item | Value | Distance |
|---|---|---|
| Johnson County, IN | 66,545 jobs · $1,025/wk · +2.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Transportation and warehousing | 9,103 | $937 | 3.25 | +7.5% |
| Health care and social assistance | 8,824 | $1,023 | 0.88 | +3.1% |
| Retail trade | 8,401 | $680 | 1.30 | -1.5% |
| Accommodation and food services | 7,430 | $454 | 1.24 | +4.3% |
| Manufacturing | 5,853 | $1,353 | 1.09 | +1.1% |
| Construction | 5,063 | $1,600 | 1.45 | +2.5% |
| Administrative and waste services | 2,868 | $842 | 0.76 | -0.6% |
| Wholesale trade | 2,647 | $1,540 | 1.04 | +15.5% |
| Professional and technical services | 2,009 | $1,780 | 0.44 | -2.9% |
| Other services | 1,912 | $960 | 0.96 | +1.6% |
| Finance and insurance | 1,231 | $1,985 | 0.45 | +1.6% |
| Educational services | 984 | $723 | 0.69 | +2.4% |
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 #
$4.1 bn in deposits at 48 offices of 23 banks (SOD June 2026); HHI 896, unconcentrated. $967.3 m federal obligations in FY2026 (direct payments $934.9 m, contracts $20.4 m), $14,536 per covered job
| Item | Value | Distance |
|---|---|---|
| JPMorgan Chase Bank, National Association | $647.5 m · 15.9% share · 4 offices | |
| Fifth Third Bank, National Association | $539.5 m · 13.3% share · 4 offices | |
| Horizon Bank | $418.4 m · 10.3% share · 5 offices | |
| Johnson, IN | $967.3 m FY2026 · $14,536/job | |
| MULTIPLE RECIPIENTS | $922.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | $647,515,000 | 15.9% | 4 |
| Fifth Third Bank, National Association | $539,485,000 | 13.3% | 4 |
| Horizon Bank | $418,366,000 | 10.3% | 5 |
| The Huntington National Bank | $411,861,000 | 10.1% | 4 |
| PNC Bank, National Association | $342,064,000 | 8.4% | 3 |
| First Merchants Bank | $300,954,000 | 7.4% | 3 |
| Mutual Savings Bank | $284,265,000 | 7.0% | 4 |
| The National Bank of Indianapolis | $219,761,000 | 5.4% | 1 |
| BMO Bank National Association | $173,213,000 | 4.3% | 3 |
| First Financial Bank | $162,962,000 | 4.0% | 1 |
Deposit concentration is 896 across 23 banks, which the 1995 Department of Justice bank merger screen calls unconcentrated.
HHI = Σ (share %)² over 23 banks with deposits in the county = 15.9² + 13.3² + 10.3² + … (20 more) = 896
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 | $801,373,124 |
| Department of Veterans Affairs | $112,979,482 |
| Department of Defense | $19,774,782 |
| Railroad Retirement Board | $9,054,700 |
| Department of Transportation | $6,794,232 |
| Department of Agriculture | $4,430,170 |
| Department of Health and Human Services | $3,462,284 |
| Department of Housing and Urban Development | $3,419,212 |
| Federal Communications Commission | $2,705,332 |
| Department of Education | $2,423,551 |
| Department of Justice | $706,981 |
| General Services Administration | $128,223 |
That is $14,536 per covered job, against 66,545 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $967.3 m / 66,545 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,536
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 #
Johnson County, IN: 10 findings, 1 at a watch level and 9 noted
watchJohnson County, IN's typical asking rent of $1,597 scores 58 on the 0-to-100 scale across US counties but 88 across Indiana counties, a gap of 31 points.
Period 2026-09.Show the arithmetic
- 31 = |58 across US counties - 88 across Indiana counties|
position among the entities that published this metric this period; not an official level
noteJohnson County, IN's average weekly wage was 3.6% 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
- +3.6 % = 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
noteJohnson County, IN's covered employment was 2.7% 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
- +2.7 % = 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
noteJohnson County, IN's typical asking rent rose 0.6% from $1,588 in August 2026 to $1,597 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +0.6% = (1597.4596361185984 - 1587.791658058427) / 1587.791658058427 × 100
- 1597.4596361185984 = Zillow ZORI, 2026-09
- 1587.791658058427 = Zillow ZORI, 2026-08
noteJohnson County, IN's years of wages of 5.9 ranks 8th of 92 Indiana counties, against a median of 4.1.
Period 2026-09.Show the arithmetic
- 92 on the 0-to-100 scale across 92 Indiana counties that published yearsOfWages
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
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.