Marshall County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.33, -86.27.
Assembled 2026-10-19. Read the brief.
- 61st pct · 1,175th of 3,063 US counties · median $230,451
- 71st pct · 27th of 92 Indiana counties · median $230,095
- 87th pct · 386th of 3,062 US counties · median +2.9%
- 89th pct · 11th of 92 Indiana counties · median +4.2%
- 38th pct · 830th of 1,358 US counties · median $1,506
- 72nd pct · 13th of 44 Indiana counties · median $1,207
- 70th pct · 946th of 3,221 US counties · median 8,232
- 68th pct · 30th of 92 Indiana counties · median 12,958
- 56th pct · 1,389th of 3,221 US counties · median $1,039
- 53rd pct · 43rd of 92 Indiana counties · median $1,045
- 61st pct · 1,188th of 3,063 US counties · median 4.2
- 71st pct · 27th 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 $265,595 (Sep 2026), +7.0% over one year, +34.8% over five
- 61st pct · 1,175th of 3,063 US counties · median $230,451
- 71st pct · 27th of 92 Indiana counties · median $230,095
| Item | Value | Distance |
|---|---|---|
| Marshall County, IN | $265,595 · +7.0% 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 $1,387/mo (Sep 2026), n/a over one year; price-to-rent 16.0
- 38th pct · 830th of 1,358 US counties · median $1,506
- 72nd pct · 13th of 44 Indiana counties · median $1,207
| Item | Value | Distance |
|---|---|---|
| Marshall County, IN | $1,387/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 $1,471 a month on $265,595 at 7.40%, against an average weekly wage worth $4,641 a month: 31.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $265,595 × 80% = $212,476, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,471/mo principal and interest
- wage share = payment / (avg weekly wage $1,071 × 52 / 12 = $4,641) = 32% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $265,595 / ($1,071 × 52) = 4.8
- price-to-rent = $265,595 / ($1,387 × 12) = 16.0
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 #
19,436 jobs at 1,178 employers (2026 Q1); +0.7% jobs and +4.0% average weekly wage over the year
- 70th pct · 946th of 3,221 US counties · median 8,232
- 68th pct · 30th of 92 Indiana counties · median 12,958
| Item | Value | Distance |
|---|---|---|
| Marshall County, IN | 19,436 jobs · $1,071/wk · +0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 7,590 | $1,289 | 4.85 | +3.8% |
| Retail trade | 1,909 | $631 | 1.01 | -6.6% |
| Health care and social assistance | 1,805 | $992 | 0.62 | -4.3% |
| Accommodation and food services | 1,386 | $346 | 0.79 | +7.6% |
| Administrative and waste services | 826 | $889 | 0.75 | +25.3% |
| Other services | 740 | $1,026 | 1.27 | +12.3% |
| Educational services | 640 | $1,000 | 1.53 | -2.3% |
| Construction | 588 | $1,119 | 0.58 | -8.1% |
| Wholesale trade | 424 | $2,092 | 0.57 | +12.8% |
| Finance and insurance | 357 | $1,679 | 0.45 | -4.0% |
| Real estate and rental | 165 | $835 | 0.55 | +9.3% |
| Utilities | 112 | $3,189 | 1.46 | +6.7% |
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 #
$1.1 bn in deposits at 16 offices of 9 banks (SOD June 2026); HHI 2,375, highly concentrated. $292.7 m federal obligations in FY2026 (direct payments $269.2 m, grants $19.0 m), $15,061 per covered job
| Item | Value | Distance |
|---|---|---|
| 1st Source Bank | $454.6 m · 42.1% share · 5 offices | |
| First Federal Savings Bank | $163.6 m · 15.1% share · 2 offices | |
| Lake City Bank | $150.3 m · 13.9% share · 3 offices | |
| Marshall, IN | $292.7 m FY2026 · $15,061/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| 1st Source Bank | $454,581,000 | 42.1% | 5 |
| First Federal Savings Bank | $163,578,000 | 15.1% | 2 |
| Lake City Bank | $150,250,000 | 13.9% | 3 |
| Centier Bank | $90,201,000 | 8.4% | 1 |
| First Merchants Bank | $69,688,000 | 6.5% | 1 |
| First Farmers Bank & Trust Co. | $68,873,000 | 6.4% | 1 |
| The First National Bank of Monterey | $45,118,000 | 4.2% | 1 |
| KeyBank National Association | $34,587,000 | 3.2% | 1 |
| Woodforest National Bank | $3,067,000 | 0.3% | 1 |
Deposit concentration is 2,375 across 9 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 42.1² + 15.1² + 13.9² + … (6 more) = 2,375
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 $15,061 per covered job, against 19,436 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $292.7 m / 19,436 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,061
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 #
Marshall County, IN: 8 findings, 2 at a watch level and 6 noted
watchMarshall County, IN's typical asking rent rose 3.2% from $1,344 in August 2026 to $1,387 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +3.2% = (1386.6666666666667 - 1344.116058804665) / 1344.116058804665 × 100
- 1386.6666666666667 = Zillow ZORI, 2026-09
- 1344.116058804665 = Zillow ZORI, 2026-08
watchMarshall County, IN's typical asking rent of $1,387 scores 39 on the 0-to-100 scale across US counties but 72 across Indiana counties, a gap of 33 points.
Period 2026-09.Show the arithmetic
- 33 = |39 across US counties - 72 across Indiana counties|
position among the entities that published this metric this period; not an official level
noteMarshall County, IN's average weekly wage was 4.0% 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
- +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
noteMarshall County, IN's covered employment was 0.7% 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
- +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
noteMarshall County, IN's typical home value rose 0.3% from $264,843 in August 2026 to $265,595 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.3% = (265595.1784578098 - 264843.29111415526) / 264843.29111415526 × 100
- 265595.1784578098 = Zillow ZHVI, 2026-09
- 264843.29111415526 = Zillow ZHVI, 2026-08
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.