Bullitt County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.97, -85.70.
Assembled 2026-10-19. Read the brief.
- 69th pct · 940th of 3,063 US counties · median $230,451
- 93rd pct · 9th of 120 Kentucky counties · median $179,218
- 72nd pct · 4th of 12 counties in the Louisville/Jefferson County metro · median $272,615
- 20th pct · 2,438th of 3,062 US counties · median +2.9%
- 60th pct · 48th of 120 Kentucky counties · median -1.4%
- 9th pct · 11th of 12 counties in the Louisville/Jefferson County metro · median +2.1%
- 63rd pct · 497th of 1,358 US counties · median $1,506
- 96th pct · 2nd of 28 Kentucky counties · median $1,281
- 83rd pct · 2nd of 7 counties in the Louisville/Jefferson County metro · median $1,336
- 77th pct · 726th of 3,221 US counties · median 8,232
- 89th pct · 14th of 120 Kentucky counties · median 5,237
- 72nd pct · 4th of 12 counties in the Louisville/Jefferson County metro · median 16,814
- 57th pct · 1,383rd of 3,221 US counties · median $1,039
- 70th pct · 36th of 120 Kentucky counties · median $953
- 45th pct · 7th of 12 counties in the Louisville/Jefferson County metro · median $1,073
- 69th pct · 922nd of 3,063 US counties · median 4.2
- 92nd pct · 10th of 120 Kentucky counties · median 3.5
- 72nd pct · 4th of 12 counties in the Louisville/Jefferson County metro · median 4.9
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 $294,862 (Sep 2026), -0.1% over one year, +18.8% over five
- 69th pct · 940th of 3,063 US counties · median $230,451
- 93rd pct · 9th of 120 Kentucky counties · median $179,218
- 72nd pct · 4th of 12 counties in the Louisville/Jefferson County metro · median $272,615
| Item | Value | Distance |
|---|---|---|
| Bullitt County, KY | $294,862 · -0.1% 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 $1,665/mo (Sep 2026), -0.7% over one year; price-to-rent 14.8
- 63rd pct · 497th of 1,358 US counties · median $1,506
- 96th pct · 2nd of 28 Kentucky counties · median $1,281
- 83rd pct · 2nd of 7 counties in the Louisville/Jefferson County metro · median $1,336
| Item | Value | Distance |
|---|---|---|
| Bullitt County, KY | $1,665/mo · -0.7% 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 $1,633 a month on $294,862 at 7.40%, against an average weekly wage worth $4,645 a month: 35.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $294,862 × 80% = $235,889, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,633/mo principal and interest
- wage share = payment / (avg weekly wage $1,072 × 52 / 12 = $4,645) = 35% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $294,862 / ($1,072 × 52) = 5.3
- price-to-rent = $294,862 / ($1,665 × 12) = 14.8
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 #
29,595 jobs at 1,937 employers (2026 Q1); -0.3% jobs and +2.5% average weekly wage over the year
- 77th pct · 726th of 3,221 US counties · median 8,232
- 89th pct · 14th of 120 Kentucky counties · median 5,237
- 72nd pct · 4th of 12 counties in the Louisville/Jefferson County metro · median 16,814
| Item | Value | Distance |
|---|---|---|
| Bullitt County, KY | 29,595 jobs · $1,072/wk · -0.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Transportation and warehousing | 8,955 | $1,043 | 7.18 | +4.2% |
| Manufacturing | 3,533 | $1,418 | 1.48 | -10.2% |
| Retail trade | 2,321 | $647 | 0.80 | +1.8% |
| Accommodation and food services | 1,826 | $453 | 0.69 | -9.0% |
| Health care and social assistance | 1,748 | $1,178 | 0.39 | +10.4% |
| Construction | 1,685 | $1,382 | 1.09 | +7.5% |
| Other services | 1,080 | $928 | 1.22 | -10.1% |
| Administrative and waste services | 986 | $730 | 0.59 | -0.9% |
| Finance and insurance | 419 | $1,876 | 0.35 | +7.7% |
| Arts, entertainment and recreation | 275 | $649 | 0.56 | -4.5% |
| Real estate and rental | 131 | $1,025 | 0.29 | -0.8% |
| Educational services | 76 | $569 | 0.12 | -8.4% |
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 #
$1.1 bn in deposits at 16 offices of 8 banks (SOD June 2026); HHI 1,854, highly concentrated. $487.6 m federal obligations in FY2026 (direct payments $481.4 m, grants $4.1 m), $16,477 per covered job
| Item | Value | Distance |
|---|---|---|
| First Harrison Bank | $306.2 m · 27.2% share · 5 offices | |
| Stock Yards Bank & Trust Company | $258.7 m · 23.0% share · 2 offices | |
| WesBanco Bank, Inc. | $211.9 m · 18.8% share · 2 offices | |
| Bullitt, KY | $487.6 m FY2026 · $16,477/job | |
| MULTIPLE RECIPIENTS | $477.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Harrison Bank | $306,221,000 | 27.2% | 5 |
| Stock Yards Bank & Trust Company | $258,738,000 | 23.0% | 2 |
| WesBanco Bank, Inc. | $211,888,000 | 18.8% | 2 |
| Peoples Bank, Mt. Washington | $109,569,000 | 9.7% | 2 |
| Peoples Bank | $96,172,000 | 8.5% | 2 |
| PNC Bank, National Association | $71,171,000 | 6.3% | 1 |
| Republic Bank & Trust Company | $58,979,000 | 5.2% | 1 |
| German American Bank | $14,542,000 | 1.3% | 1 |
Deposit concentration is 1,854 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 27.2² + 23.0² + 18.8² + … (5 more) = 1,854
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 | $423,920,060 |
| Department of Veterans Affairs | $48,705,650 |
| Railroad Retirement Board | $5,682,612 |
| Department of Health and Human Services | $3,573,478 |
| Department of Agriculture | $2,553,676 |
| Department of Housing and Urban Development | $1,573,853 |
| Department of Transportation | $575,189 |
| Federal Communications Commission | $574,504 |
| Department of Defense | $487,700 |
| Small Business Administration | $16,950 |
| Department of Justice | -$28,104 |
That is $16,477 per covered job, against 29,595 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $487.6 m / 29,595 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,477
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 #
Bullitt County, KY: 15 findings, 4 at a watch level and 11 noted
watchBullitt County, KY's covered employment is -0.3% 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 = -0.3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchBullitt County, KY's typical home value is -0.1% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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: home.yoyPct = -0.0698103906544848 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchBullitt County, KY's typical home value of -0.1% scores 20 on the 0-to-100 scale across US counties but 61 across Kentucky counties, a gap of 40 points.
Period 2026-09.Show the arithmetic
- 40 = |20 across US counties - 61 across Kentucky counties|
position among the entities that published this metric this period; not an official level
watchBullitt County, KY's typical asking rent of $1,665 scores 63 on the 0-to-100 scale across US counties but 96 across Kentucky counties, a gap of 33 points.
Period 2026-09.Show the arithmetic
- 33 = |63 across US counties - 96 across Kentucky counties|
position among the entities that published this metric this period; not an official level
noteBullitt County, KY's average weekly wage was 2.5% 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
- +2.5 % = 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.