Anderson County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.01, -84.99.
Assembled 2026-10-19. Read the brief.
- 60th pct · 1,196th of 3,063 US counties · median $230,451
- 85th pct · 18th of 120 Kentucky counties · median $179,218
- 34th pct · 2,003rd of 3,062 US counties · median +2.9%
- 76th pct · 29th of 120 Kentucky counties · median -1.4%
- 28th pct · 965th of 1,358 US counties · median $1,506
- 51st pct · 14th of 28 Kentucky counties · median $1,281
- 39th pct · 1,961st of 3,221 US counties · median 8,232
- 52nd pct · 57th of 120 Kentucky counties · median 5,237
- 45th pct · 1,734th of 3,221 US counties · median $1,039
- 60th pct · 48th of 120 Kentucky counties · median $953
- 65th pct · 1,062nd of 3,063 US counties · median 4.2
- 89th pct · 14th of 120 Kentucky counties · median 3.5
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 $263,940 (Sep 2026), +1.5% over one year, +37.3% over five
- 60th pct · 1,196th of 3,063 US counties · median $230,451
- 85th pct · 18th of 120 Kentucky counties · median $179,218
| Item | Value | Distance |
|---|---|---|
| Anderson County, KY | $263,940 · +1.5% 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 #
Typical rent $1,284/mo (Sep 2026), n/a over one year; price-to-rent 17.1
- 28th pct · 965th of 1,358 US counties · median $1,506
- 51st pct · 14th of 28 Kentucky counties · median $1,281
| Item | Value | Distance |
|---|---|---|
| Anderson County, KY | $1,284/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 $1,462 a month on $263,940 at 7.40%, against an average weekly wage worth $4,429 a month: 33.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $263,940 × 80% = $211,152, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,462/mo principal and interest
- wage share = payment / (avg weekly wage $1,022 × 52 / 12 = $4,429) = 33% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $263,940 / ($1,022 × 52) = 5.0
- price-to-rent = $263,940 / ($1,284 × 12) = 17.1
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 #
5,366 jobs at 605 employers (2026 Q1); +5.9% jobs and +8.0% average weekly wage over the year
- 39th pct · 1,961st of 3,221 US counties · median 8,232
- 52nd pct · 57th of 120 Kentucky counties · median 5,237
| Item | Value | Distance |
|---|---|---|
| Anderson County, KY | 5,366 jobs · $1,022/wk · +5.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,190 | $1,546 | 2.76 | +10.8% |
| Retail trade | 724 | $647 | 1.38 | -2.3% |
| Accommodation and food services | 620 | $435 | 1.29 | +6.3% |
| Health care and social assistance | 402 | $699 | 0.50 | -0.2% |
| Wholesale trade | 344 | $1,108 | 1.67 | +2.1% |
| Administrative and waste services | 222 | $880 | 0.73 | +0.0% |
| Finance and insurance | 135 | $982 | 0.62 | +12.5% |
| Other services | 68 | $4,119 | 0.42 | -22.7% |
| Real estate and rental | 59 | $753 | 0.72 | -4.8% |
| Educational services | 53 | $578 | 0.46 | -3.6% |
| Arts, entertainment and recreation | 42 | $316 | 0.48 | +5.0% |
| Agriculture, forestry, fishing | 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 #
D0 abnormally dry
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 #
$375.6 m in deposits at 5 offices of 4 banks (SOD June 2026); HHI 3,484, highly concentrated. $218.5 m federal obligations in FY2026 (direct payments $207.5 m, grants $10.2 m), $40,711 per covered job
| Item | Value | Distance |
|---|---|---|
| Century Bank of Kentucky, Inc. | $188.0 m · 50.0% share · 2 offices | |
| WesBanco Bank, Inc. | $96.6 m · 25.7% share · 1 office | |
| First Financial Bank | $58.5 m · 15.6% share · 1 office | |
| Anderson, KY | $218.5 m FY2026 · $40,711/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Century Bank of Kentucky, Inc. | $187,977,000 | 50.0% | 2 |
| WesBanco Bank, Inc. | $96,620,000 | 25.7% | 1 |
| First Financial Bank | $58,519,000 | 15.6% | 1 |
| Town & Country Bank and Trust Company | $32,514,000 | 8.7% | 1 |
Deposit concentration is 3,484 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 = 50.0² + 25.7² + 15.6² + … (1 more) = 3,484
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 $40,711 per covered job, against 5,366 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $218.5 m / 5,366 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $40,711
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 #
Anderson County, KY: 12 findings, 1 at a watch level and 11 noted
watchAnderson County, KY's typical home value of +1.5% scores 35 on the 0-to-100 scale across US counties but 76 across Kentucky counties, a gap of 42 points.
Period 2026-09.Show the arithmetic
- 42 = |35 across US counties - 76 across Kentucky counties|
position among the entities that published this metric this period; not an official level
noteAnderson County, KY's average weekly wage was 8.0% 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
- +8 % = 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
noteAnderson County, KY's covered employment was 5.9% 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
- +5.9 % = 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
noteAnderson County, KY's typical asking rent rose 1.9% from $1,260 in August 2026 to $1,284 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +1.9% = (1284.4444444444443 - 1260.0969120691407) / 1260.0969120691407 × 100
- 1284.4444444444443 = Zillow ZORI, 2026-09
- 1260.0969120691407 = Zillow ZORI, 2026-08
noteAnderson County, KY's typical home value fell 0.3% from $264,606 in August 2026 to $263,940 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -0.3% = (263940.3065376083 - 264605.6617842123) / 264605.6617842123 × 100
- 263940.3065376083 = Zillow ZHVI, 2026-09
- 264605.6617842123 = Zillow ZHVI, 2026-08
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.