Lawrence County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.84, -86.49.
Assembled 2026-10-19. Read the brief.
- 40th pct · 1,825th of 3,063 US counties · median $230,451
- 32nd pct · 62nd of 92 Indiana counties · median $230,095
- 42nd pct · 1,776th of 3,062 US counties · median +2.9%
- 19th pct · 74th of 92 Indiana counties · median +4.2%
- 9th pct · 1,228th of 1,358 US counties · median $1,506
- 25th pct · 33rd of 44 Indiana counties · median $1,207
- 62nd pct · 1,199th of 3,221 US counties · median 8,232
- 53rd pct · 43rd of 92 Indiana counties · median 12,958
- 51st pct · 1,566th of 3,221 US counties · median $1,039
- 48th pct · 47th of 92 Indiana counties · median $1,045
- 41st pct · 1,805th of 3,063 US counties · median 4.2
- 38th pct · 57th of 92 Indiana counties · median 4.1
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 $206,294 (Sep 2026), +2.2% over one year, +22.8% over five
- 40th pct · 1,825th of 3,063 US counties · median $230,451
- 32nd pct · 62nd of 92 Indiana counties · median $230,095
| Item | Value | Distance |
|---|---|---|
| Lawrence County, IN | $206,294 · +2.2% 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 $1,036/mo (Sep 2026), n/a over one year; price-to-rent 16.6
- 9th pct · 1,228th of 1,358 US counties · median $1,506
- 25th pct · 33rd of 44 Indiana counties · median $1,207
| Item | Value | Distance |
|---|---|---|
| Lawrence County, IN | $1,036/mo · n/a 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 $1,143 a month on $206,294 at 7.40%, against an average weekly wage worth $4,524 a month: 25.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $206,294 × 80% = $165,035, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,143/mo principal and interest
- wage share = payment / (avg weekly wage $1,044 × 52 / 12 = $4,524) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $206,294 / ($1,044 × 52) = 3.8
- price-to-rent = $206,294 / ($1,036 × 12) = 16.6
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 #
13,882 jobs at 939 employers (2026 Q1); +0.5% jobs and +3.5% average weekly wage over the year
- 62nd pct · 1,199th of 3,221 US counties · median 8,232
- 53rd pct · 43rd of 92 Indiana counties · median 12,958
| Item | Value | Distance |
|---|---|---|
| Lawrence County, IN | 13,882 jobs · $1,044/wk · +0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 3,450 | $905 | 1.65 | +9.3% |
| Manufacturing | 2,313 | $1,884 | 2.07 | +1.0% |
| Retail trade | 1,853 | $625 | 1.37 | -3.3% |
| Accommodation and food services | 1,122 | $369 | 0.90 | -1.2% |
| Construction | 810 | $1,158 | 1.11 | +11.4% |
| Professional and technical services | 682 | $1,299 | 0.71 | -9.8% |
| Finance and insurance | 360 | $1,638 | 0.64 | +6.5% |
| Other services | 359 | $637 | 0.87 | -8.9% |
| Wholesale trade | 206 | $1,438 | 0.39 | -9.6% |
| Administrative and waste services | 205 | $824 | 0.26 | -5.5% |
| Transportation and warehousing | 189 | $1,283 | 0.32 | -0.5% |
| Educational services | 157 | $844 | 0.53 | -4.3% |
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 |
|---|---|---|
| GEIST RESERVOIR AT INDIANAPOLIS, IN | 21,980 Acre-ft (USGS, no capacity on file) | 126 km |
| MORSE RESERVOIR AT NOBLESVILLE, IN | 22,420 Acre-ft (USGS, no capacity on file) | 142 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 #
53 gauges · 0 flooding · 4 with quality panels averaging 100 % · 12 stale
Sites found: 53, 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 |
|---|---|---|
| East Fork White River near Bedford | observation not current | 3 km |
| EAST FORK WHITE RIVER NEAR BEDFORD, IN | flow 806.0 ft³/s · no flooding | 10 km |
| East Fork White River at Williams | no flooding | 14 km |
| BACK CREEK AT LEESVILLE, IN | flow 1.60 ft³/s · STALE | 16 km |
| SALT CREEK NEAR HARRODSBURG, IN | stage 6.58 ft · quality 100 % (1) · no flooding | 18 km |
| Salt Creek (IN) at Monroe Lake | no flooding | 19 km |
| East Fork White River at Sparksville | out of service | 23 km |
| LOST RIVER NEAR LEIPSIC, IN | flow 17.2 ft³/s · STALE | 25 km |
| SOUTH FORK SALT CREEK AT KURTZ, IN | flow 0.16 ft³/s | 28 km |
| BEAVER CREEK NEAR SHOALS, IN | flow 0.82 ft³/s · no flooding | 29 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 #
14 wells in 0 named aquifers:
Sites found: 14, 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-384745086354301 | depth 9.64 ft · 2018-03-12 | 11 km |
| USGS-383946086475701 | depth 23.0 ft · 2025-06-03 | 33 km |
| USGS-383655086504601 | depth 13.4 ft · 2018-04-16 | 40 km |
| USGS-385542086005601 | depth 8.43 ft · 2025-01-28 | 42 km |
| USGS-383012086124501 | depth 75.6 ft · 2025-11-05 | 44 km |
| USGS-383659086545901 | depth 26.8 ft · 2026-10-18 | 45 km |
| USGS-392232086333101 | depth 8.89 ft · 2025-04-02 | 60 km |
| USGS-390950085553501 | depth 22.3 ft · 2025-12-29 | 60 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 #
$531.2 m in deposits at 8 offices of 7 banks (SOD June 2026); HHI 3,049, highly concentrated. $352.0 m federal obligations in FY2026 (direct payments $304.6 m, contracts $37.7 m), $25,357 per covered job
| Item | Value | Distance |
|---|---|---|
| Bedford Federal Savings Bank | $261.7 m · 49.3% share · 2 offices | |
| JPMorgan Chase Bank, National Association | $86.1 m · 16.2% share · 1 office | |
| Old National Bank | $64.0 m · 12.0% share · 1 office | |
| Lawrence, IN | $352.0 m FY2026 · $25,357/job | |
| MULTIPLE RECIPIENTS | $297.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bedford Federal Savings Bank | $261,695,000 | 49.3% | 2 |
| JPMorgan Chase Bank, National Association | $86,065,000 | 16.2% | 1 |
| Old National Bank | $63,972,000 | 12.0% | 1 |
| German American Bank | $61,293,000 | 11.5% | 1 |
| Jackson County Bank | $47,152,000 | 8.9% | 1 |
| Owen County State Bank | $8,835,000 | 1.7% | 1 |
| Woodforest National Bank | $2,204,000 | 0.4% | 1 |
Deposit concentration is 3,049 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 = 49.3² + 16.2² + 12.0² + … (4 more) = 3,049
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 | $259,048,726 |
| Department of Veterans Affairs | $36,709,397 |
| Department of Defense | $34,321,114 |
| Department of Agriculture | $5,391,662 |
| Department of Health and Human Services | $4,251,886 |
| Department of Transportation | $4,085,306 |
| Department of Housing and Urban Development | $2,956,215 |
| General Services Administration | $2,664,797 |
| Railroad Retirement Board | $1,452,100 |
| Federal Communications Commission | $1,027,719 |
| Department of Justice | $80,288 |
| Department of Education | $18,899 |
That is $25,357 per covered job, against 13,882 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $352.0 m / 13,882 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $25,357
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 #
Lawrence County, IN: 8 findings, 2 at a watch level and 6 noted
watchLawrence County, IN's typical asking rent is -3.6% 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 2026-09.Show the arithmetic
- test: rent.momPct = -3.6170170460853295 <= -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
watchLawrence County, IN's typical asking rent fell 3.6% from $1,075 in August 2026 to $1,036 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- -3.6% = (1036.25 - 1075.1379219042026) / 1075.1379219042026 × 100
- 1036.25 = Zillow ZORI, 2026-09
- 1075.1379219042026 = Zillow ZORI, 2026-08
noteLawrence County, IN's average weekly wage was 3.5% 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
- +3.5 % = 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
noteLawrence County, IN's covered employment was 0.5% 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
- +0.5 % = 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
noteLawrence County, IN's typical asking rent of $1,036 ranks 1,228th of 1,358 US counties, against a median of $1,506.
Period 2026-09.Show the arithmetic
- 10 on the 0-to-100 scale across 1358 US counties that published rent.latest
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.