Posey County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.03, -87.87.
Assembled 2026-10-19. Read the brief.
- 51st pct · 1,495th of 3,063 US counties · median $230,451
- 53rd pct · 43rd of 92 Indiana counties · median $230,095
- counties in the Evansville metro: Rank context is unavailable: the manifest lists 3 counties in the Evansville metro; fewer than 5 is too few to rank.
- 25th pct · 2,272nd of 3,062 US counties · median +2.9%
- 3rd pct · 89th of 92 Indiana counties · median +4.2%
- counties in the Evansville metro: Rank context is unavailable: the manifest lists 3 counties in the Evansville metro; fewer than 5 is too few to rank.
- US counties: not published this period
- Indiana counties: not published this period
- counties in the Evansville metro: Rank context is unavailable: the manifest lists 3 counties in the Evansville metro; fewer than 5 is too few to rank.
- 50th pct · 1,611th of 3,221 US counties · median 8,232
- 36th pct · 59th of 92 Indiana counties · median 12,958
- counties in the Evansville metro: Rank context is unavailable: the manifest lists 3 counties in the Evansville metro; fewer than 5 is too few to rank.
- 91st pct · 272nd of 3,221 US counties · median $1,039
- 94th pct · 6th of 92 Indiana counties · median $1,045
- counties in the Evansville metro: Rank context is unavailable: the manifest lists 3 counties in the Evansville metro; fewer than 5 is too few to rank.
- 23rd pct · 2,353rd of 3,063 US counties · median 4.2
- 16th pct · 77th of 92 Indiana counties · median 4.1
- counties in the Evansville metro: Rank context is unavailable: the manifest lists 3 counties in the Evansville 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 $234,428 (Sep 2026), +0.6% over one year, +27.0% over five
- 51st pct · 1,495th of 3,063 US counties · median $230,451
- 53rd pct · 43rd of 92 Indiana counties · median $230,095
- counties in the Evansville metro: Rank context is unavailable: the manifest lists 3 counties in the Evansville metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Posey County, IN | $234,428 · +0.6% 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 #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- Indiana counties: not published this period
- counties in the Evansville metro: Rank context is unavailable: the manifest lists 3 counties in the Evansville metro; fewer than 5 is too few to rank.
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 $1,299 a month on $234,428 at 7.40%, against an average weekly wage worth $6,340 a month: 20.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $234,428 × 80% = $187,542, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,299/mo principal and interest
- wage share = payment / (avg weekly wage $1,463 × 52 / 12 = $6,340) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $234,428 / ($1,463 × 52) = 3.1
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 #
8,232 jobs at 574 employers (2026 Q1); -4.9% jobs and +1.7% average weekly wage over the year
- 50th pct · 1,611th of 3,221 US counties · median 8,232
- 36th pct · 59th of 92 Indiana counties · median 12,958
- counties in the Evansville metro: Rank context is unavailable: the manifest lists 3 counties in the Evansville metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Posey County, IN | 8,232 jobs · $1,463/wk · -4.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,469 | $2,417 | 3.73 | -7.2% |
| Transportation and warehousing | 718 | $1,484 | 2.07 | +0.7% |
| Retail trade | 645 | $737 | 0.80 | -8.9% |
| Construction | 515 | $1,263 | 1.19 | -18.9% |
| Administrative and waste services | 363 | $1,204 | 0.78 | +0.0% |
| Other services | 222 | $872 | 0.90 | +4.7% |
| Finance and insurance | 139 | $1,880 | 0.41 | +23.0% |
| Agriculture, forestry, fishing | 85 | $744 | 1.43 | +0.0% |
| Real estate and rental | 33 | $888 | 0.26 | +6.5% |
| Information | 13 | $803 | 0.09 | +8.3% |
| Mining, oil and gas | 10 | $853 | 0.34 | -23.1% |
| Utilities | withheld |
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.
Water #
Banks & federal dollars #
$445.9 m in deposits at 6 offices of 5 banks (SOD June 2026); HHI 2,433, highly concentrated. $196.0 m federal obligations in FY2026 (direct payments $174.1 m, grants $20.5 m), $23,812 per covered job
| Item | Value | Distance |
|---|---|---|
| Old National Bank | $127.6 m · 28.6% share · 1 office | |
| United Fidelity Bank, fsb | $114.1 m · 25.6% share · 1 office | |
| Fifth Third Bank, National Association | $98.3 m · 22.0% share · 1 office | |
| Posey, IN | $196.0 m FY2026 · $23,812/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Old National Bank | $127,612,000 | 28.6% | 1 |
| United Fidelity Bank, fsb | $114,056,000 | 25.6% | 1 |
| Fifth Third Bank, National Association | $98,282,000 | 22.0% | 1 |
| The First National Bank of Carmi | $96,529,000 | 21.6% | 2 |
| First Federal Savings Bank | $9,385,000 | 2.1% | 1 |
Deposit concentration is 2,433 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 28.6² + 25.6² + 22.0² + … (2 more) = 2,433
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 $23,812 per covered job, against 8,232 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $196.0 m / 8,232 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $23,812
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 #
Posey County, IN: 14 findings, 1 at an alert level, 2 at a watch level and 11 noted
alertPosey County, IN's covered employment is -4.9% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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 Q1.Show the arithmetic
- test: jobs.yoy.emp = -4.9 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchPosey County, IN's covered employment is -4.9% 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 = -4.9 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchPosey County, IN's momentum index is -0.25, a watch level here: momentum index in the cooling band (the cooling band of the momentum index computed here, score at or below -0.25; 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: momentum = -0.2501532883239646 <= -0.25
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
the cooling band of the momentum index computed here, score at or below -0.25; convention chosen for this dashboard, not an official level
notePosey County, IN's covered employment was 4.9% 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
- -4.9 % = 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
notePosey County, IN's average weekly wage was 1.7% 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
- +1.7 % = 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
Read all 12 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.