Tipton County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.31, -86.06.
Assembled 2026-10-20. Read the brief.
- 56th pct · 1,332nd of 3,063 US counties · median $230,451
- 59th pct · 38th of 92 Indiana counties · median $230,095
- 30th pct · 8th of 11 counties in the Indianapolis-Carmel-Greenwood metro · median $312,876
- 65th pct · 1,043rd of 3,062 US counties · median +2.9%
- 49th pct · 47th of 92 Indiana counties · median +4.2%
- 100th pct · 1st of 11 counties in the Indianapolis-Carmel-Greenwood metro · median +2.0%
- US counties: not published this period
- Indiana counties: not published this period
- counties in the Indianapolis-Carmel-Greenwood metro: not published this period
- 34th pct · 2,114th of 3,221 US counties · median 8,232
- 14th pct · 79th of 92 Indiana counties · median 12,958
- 10th pct · 10th of 11 counties in the Indianapolis-Carmel-Greenwood metro · median 39,851
- 67th pct · 1,030th of 3,221 US counties · median $1,039
- 67th pct · 31st of 92 Indiana counties · median $1,045
- 50th pct · 6th of 11 counties in the Indianapolis-Carmel-Greenwood metro · median $1,134
- 50th pct · 1,530th of 3,063 US counties · median 4.2
- 52nd pct · 44th of 92 Indiana counties · median 4.1
- 30th pct · 8th 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 $249,148 (Sep 2026), +4.2% over one year, +38.5% over five
- 56th pct · 1,332nd of 3,063 US counties · median $230,451
- 59th pct · 38th of 92 Indiana counties · median $230,095
- 30th pct · 8th of 11 counties in the Indianapolis-Carmel-Greenwood metro · median $312,876
| Item | Value | Distance |
|---|---|---|
| Tipton County, IN | $249,148 · +4.2% 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 #
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 Indianapolis-Carmel-Greenwood metro: not published this period
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 $1,380 a month on $249,148 at 7.40%, against an average weekly wage worth $4,914 a month: 28.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $249,148 × 80% = $199,318, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,380/mo principal and interest
- wage share = payment / (avg weekly wage $1,134 × 52 / 12 = $4,914) = 28% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $249,148 / ($1,134 × 52) = 4.2
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 #
4,525 jobs at 351 employers (2026 Q1); -0.4% jobs and +7.2% average weekly wage over the year
- 34th pct · 2,114th of 3,221 US counties · median 8,232
- 14th pct · 79th of 92 Indiana counties · median 12,958
- 10th pct · 10th of 11 counties in the Indianapolis-Carmel-Greenwood metro · median 39,851
| Item | Value | Distance |
|---|---|---|
| Tipton County, IN | 4,525 jobs · $1,134/wk · -0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,015 | $1,391 | 2.79 | +0.7% |
| Health care and social assistance | 545 | $919 | 0.80 | +5.4% |
| Construction | 509 | $1,302 | 2.15 | +2.6% |
| Retail trade | 474 | $763 | 1.07 | +1.7% |
| Agriculture, forestry, fishing | 367 | $1,198 | 11.23 | -8.0% |
| Wholesale trade | 161 | $1,558 | 0.93 | -5.8% |
| Professional and technical services | 139 | $1,927 | 0.45 | +8.6% |
| Finance and insurance | 80 | $1,612 | 0.43 | -20.8% |
| Other services | 53 | $859 | 0.39 | -3.6% |
| Administrative and waste services | 44 | $649 | 0.17 | -20.0% |
| Management of companies | 19 | $2,284 | 0.25 | +0.0% |
| Information | 16 | $713 | 0.19 | +77.8% |
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 #
$268.1 m in deposits at 3 offices of 3 banks (SOD June 2026); HHI 6,363, highly concentrated. $100.9 m federal obligations in FY2026 (direct payments $100.1 m, grants $707,314), $22,297 per covered job
| Item | Value | Distance |
|---|---|---|
| First Farmers Bank & Trust Co. | $205.1 m · 76.5% share · 1 office | |
| STAR Financial Bank | $60.4 m · 22.5% share · 1 office | |
| The Farmers Bank, Frankfort, Indiana | $2.5 m · 0.9% share · 1 office | |
| Tipton, IN | $100.9 m FY2026 · $22,297/job | |
| MULTIPLE RECIPIENTS | $99.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Farmers Bank & Trust Co. | $205,106,000 | 76.5% | 1 |
| STAR Financial Bank | $60,420,000 | 22.5% | 1 |
| The Farmers Bank, Frankfort, Indiana | $2,534,000 | 0.9% | 1 |
Deposit concentration is 6,363 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 76.5² + 22.5² + 0.9² = 6,363
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 | $91,514,804 |
| Department of Veterans Affairs | $7,085,439 |
| Department of Agriculture | $1,013,711 |
| Department of Transportation | $597,186 |
| Railroad Retirement Board | $520,272 |
| Federal Communications Commission | $160,404 |
| Small Business Administration | $0 |
That is $22,297 per covered job, against 4,525 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $100.9 m / 4,525 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,297
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 #
Tipton County, IN: 8 findings, 1 at a watch level and 7 noted
watchTipton County, IN's covered employment is -0.4% 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 = -0.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteTipton County, IN's average weekly wage was 7.2% 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
- +7.2 % = 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
noteTipton County, IN's covered employment was 0.4% 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
- -0.4 % = 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
noteTipton County, IN's typical home value rose 0.3% from $248,357 in August 2026 to $249,148 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.3% = (249148.1169148842 - 248357.38362142225) / 248357.38362142225 × 100
- 249148.1169148842 = Zillow ZHVI, 2026-09
- 248357.38362142225 = Zillow ZHVI, 2026-08
noteTipton County, IN's typical home value of +4.2% ranks 1st of 11 counties in the Indianapolis-Carmel-Greenwood metro, against a median of +2.0%.
Period 2026-09.Show the arithmetic
- 100 on the 0-to-100 scale across 11 counties in the Indianapolis-Carmel-Greenwood metro that published home.yoyPct
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.