Warren County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.35, -87.38.
Assembled 2026-10-19. Read the brief.
- 49th pct · 1,543rd of 3,063 US counties · median $230,451
- 49th pct · 47th of 92 Indiana counties · median $230,095
- counties in the Lafayette-West Lafayette metro: Rank context is unavailable: the manifest lists 4 counties in the Lafayette-West Lafayette metro; fewer than 5 is too few to rank.
- 57th pct · 1,298th of 3,062 US counties · median +2.9%
- 39th pct · 56th of 92 Indiana counties · median +4.2%
- counties in the Lafayette-West Lafayette metro: Rank context is unavailable: the manifest lists 4 counties in the Lafayette-West Lafayette metro; fewer than 5 is too few to rank.
- US counties: not published this period
- Indiana counties: not published this period
- counties in the Lafayette-West Lafayette metro: Rank context is unavailable: the manifest lists 4 counties in the Lafayette-West Lafayette metro; fewer than 5 is too few to rank.
- 15th pct · 2,710th of 3,221 US counties · median 8,232
- 3rd pct · 89th of 92 Indiana counties · median 12,958
- counties in the Lafayette-West Lafayette metro: Rank context is unavailable: the manifest lists 4 counties in the Lafayette-West Lafayette metro; fewer than 5 is too few to rank.
- 46th pct · 1,720th of 3,221 US counties · median $1,039
- 41st pct · 54th of 92 Indiana counties · median $1,045
- counties in the Lafayette-West Lafayette metro: Rank context is unavailable: the manifest lists 4 counties in the Lafayette-West Lafayette metro; fewer than 5 is too few to rank.
- 52nd pct · 1,464th of 3,063 US counties · median 4.2
- 58th pct · 39th of 92 Indiana counties · median 4.1
- counties in the Lafayette-West Lafayette metro: Rank context is unavailable: the manifest lists 4 counties in the Lafayette-West Lafayette 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 $229,621 (Sep 2026), +3.5% over one year, +30.4% over five
- 49th pct · 1,543rd of 3,063 US counties · median $230,451
- 49th pct · 47th of 92 Indiana counties · median $230,095
- counties in the Lafayette-West Lafayette metro: Rank context is unavailable: the manifest lists 4 counties in the Lafayette-West Lafayette metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Warren County, IN | $229,621 · +3.5% 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 #
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 Lafayette-West Lafayette metro: Rank context is unavailable: the manifest lists 4 counties in the Lafayette-West Lafayette 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 $1,272 a month on $229,621 at 7.40%, against an average weekly wage worth $4,437 a month: 28.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $229,621 × 80% = $183,697, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,272/mo principal and interest
- wage share = payment / (avg weekly wage $1,024 × 52 / 12 = $4,437) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $229,621 / ($1,024 × 52) = 4.3
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 #
1,961 jobs at 172 employers (2026 Q1); +1.0% jobs and +2.2% average weekly wage over the year
- 15th pct · 2,710th of 3,221 US counties · median 8,232
- 3rd pct · 89th of 92 Indiana counties · median 12,958
- counties in the Lafayette-West Lafayette metro: Rank context is unavailable: the manifest lists 4 counties in the Lafayette-West Lafayette metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Warren County, IN | 1,961 jobs · $1,024/wk · +1.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 453 | $1,048 | 2.87 | +1.1% |
| Health care and social assistance | 217 | $1,141 | 0.74 | -3.1% |
| Transportation and warehousing | 145 | $1,336 | 1.75 | +9.8% |
| Wholesale trade | 115 | $1,282 | 1.53 | -2.5% |
| Construction | 110 | $1,186 | 1.07 | +4.8% |
| Finance and insurance | 48 | $1,636 | 0.60 | +0.0% |
| Professional and technical services | 42 | $642 | 0.31 | -6.7% |
| Administrative and waste services | 26 | $1,004 | 0.23 | -18.8% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Retail trade | 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.
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 |
|---|---|---|
| USGS-03350400 | 22,420 Acre-ft (USGS, no capacity on file) | 117 km |
| USGS-03351700 | 21,980 Acre-ft (USGS, no capacity on file) | 128 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 #
49 gauges · 0 flooding · 3 with quality panels averaging 100 % · 15 stale
Sites found: 49, 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-03335960 | stage 5.90 ft | 10 km |
| USGS-033356848 | flow 26.6 ft³/s · no flooding | 15 km |
| USGS-03335680 | flow 2,890 ft³/s | 18 km |
| USGS-03335690 | flow 26.0 ft³/s · STALE | 19 km |
| USGS-03335679 | flow 4.30 ft³/s · STALE | 23 km |
| USGS-03336000 | flow 3,470 ft³/s · no flooding | 24 km |
| USGS-03338780 | flow 129.0 ft³/s · quality 100 % (1) · no flooding | 25 km |
| USGS-033356786 | flow 1.15 ft³/s · out of service · STALE | 30 km |
| USGS-03335678 | flow 0.95 ft³/s · STALE | 30 km |
| USGS-03339000 | flow 144.0 ft³/s · quality 100 % (5) · no flooding | 34 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 #
15 wells in 0 named aquifers:
Sites found: 15, 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-402851087213501 | depth 15.2 ft · 2026-10-18 | 14 km |
| USGS-402558087351501 | depth 23.3 ft · 2026-10-18 | 20 km |
| USGS-402734087033401 | depth 117.9 ft · 2025-02-27 | 29 km |
| USGS-402734087033402 | depth 21.4 ft · 2026-10-19 | 29 km |
| USGS-405105087173301 | depth 16.0 ft · 2009-09-29 | 56 km |
| USGS-400245086482801 | depth 42.7 ft · 2026-10-18 | 59 km |
| USGS-400247086482101 | depth 43.6 ft · 2024-03-27 | 59 km |
| USGS-401143086394501 | depth 5.25 ft · 2025-03-02 | 63 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 #
$125.3 m in deposits at 4 offices of 4 banks (SOD June 2026); HHI 2,984, highly concentrated. $57.1 m federal obligations in FY2026 (direct payments $56.2 m, grants $906,891), $29,104 per covered job
| Item | Value | Distance |
|---|---|---|
| First Financial Bank | $51.9 m · 41.4% share · 1 office | |
| The Farmers and Merchants Bank | $35.8 m · 28.6% share · 1 office | |
| The Fountain Trust Company | $19.7 m · 15.7% share · 1 office | |
| Warren, IN | $57.1 m FY2026 · $29,104/job | |
| MULTIPLE RECIPIENTS | $52.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Financial Bank | $51,892,000 | 41.4% | 1 |
| The Farmers and Merchants Bank | $35,810,000 | 28.6% | 1 |
| The Fountain Trust Company | $19,663,000 | 15.7% | 1 |
| Fowler State Bank | $17,902,000 | 14.3% | 1 |
Deposit concentration is 2,984 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 41.4² + 28.6² + 15.7² + … (1 more) = 2,984
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 | $48,649,891 |
| Department of Veterans Affairs | $3,665,705 |
| Department of Agriculture | $3,532,276 |
| Department of Transportation | $818,958 |
| Railroad Retirement Board | $355,418 |
| Federal Communications Commission | $50,820 |
| Department of Defense | $0 |
That is $29,104 per covered job, against 1,961 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $57.1 m / 1,961 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $29,104
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 #
Warren County, IN: 6 findings, 6 noted
noteWarren County, IN's average weekly wage was 2.2% 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
- +2.2 % = 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
noteWarren County, IN's covered employment was 1.0% 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
- +1 % = 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
noteWarren County, IN's typical home value fell 0.3% from $230,323 in August 2026 to $229,621 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -0.3% = (229620.92755193255 - 230322.61677020314) / 230322.61677020314 × 100
- 229620.92755193255 = Zillow ZHVI, 2026-09
- 230322.61677020314 = Zillow ZHVI, 2026-08
noteWarren County, IN's covered employment of 1,961 ranks 89th of 92 Indiana counties, against a median of 12,958.
Period 2026 Q1.Show the arithmetic
- 3 on the 0-to-100 scale across 92 Indiana counties that published jobs.emp
position among the entities that published this metric this period; not an official level
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Warren County, IN is due between 2026-10-30 and 2026-11-13, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-30 to 2026-11-13, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Read all 6 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.