Campbell County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.95, -84.38.
Assembled 2026-10-19. Read the brief.
- 69th pct · 950th of 3,063 US counties · median $230,451
- 92nd pct · 10th of 120 Kentucky counties · median $179,218
- 64th pct · 6th of 15 counties in the Cincinnati metro · median $286,827
- 50th pct · 1,514th of 3,062 US counties · median +2.9%
- 87th pct · 16th of 120 Kentucky counties · median -1.4%
- 50th pct · 8th of 15 counties in the Cincinnati metro · median +2.9%
- 49th pct · 682nd of 1,358 US counties · median $1,506
- 74th pct · 8th of 28 Kentucky counties · median $1,281
- 57th pct · 4th of 8 counties in the Cincinnati metro · median $1,498
- 78th pct · 698th of 3,221 US counties · median 8,232
- 91st pct · 11th of 120 Kentucky counties · median 5,237
- 57th pct · 7th of 15 counties in the Cincinnati metro · median 14,828
- 69th pct · 972nd of 3,221 US counties · median $1,039
- 80th pct · 24th of 120 Kentucky counties · median $953
- 42nd pct · 9th of 15 counties in the Cincinnati metro · median $1,184
- 64th pct · 1,089th of 3,063 US counties · median 4.2
- 88th pct · 15th of 120 Kentucky counties · median 3.5
- 42nd pct · 9th of 15 counties in the Cincinnati metro · median 5.2
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 $293,229 (Sep 2026), +2.9% over one year, +19.1% over five
- 69th pct · 950th of 3,063 US counties · median $230,451
- 92nd pct · 10th of 120 Kentucky counties · median $179,218
- 64th pct · 6th of 15 counties in the Cincinnati metro · median $286,827
| Item | Value | Distance |
|---|---|---|
| Campbell County, KY | $293,229 · +2.9% 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 $1,504/mo (Sep 2026), +4.0% over one year; price-to-rent 16.2
- 49th pct · 682nd of 1,358 US counties · median $1,506
- 74th pct · 8th of 28 Kentucky counties · median $1,281
- 57th pct · 4th of 8 counties in the Cincinnati metro · median $1,498
| Item | Value | Distance |
|---|---|---|
| Campbell County, KY | $1,504/mo · +4.0% 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 $1,624 a month on $293,229 at 7.40%, against an average weekly wage worth $4,970 a month: 32.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $293,229 × 80% = $234,583, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,624/mo principal and interest
- wage share = payment / (avg weekly wage $1,147 × 52 / 12 = $4,970) = 33% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $293,229 / ($1,147 × 52) = 4.9
- price-to-rent = $293,229 / ($1,504 × 12) = 16.2
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 #
32,026 jobs at 3,696 employers (2026 Q1); -0.6% jobs and +4.0% average weekly wage over the year
- 78th pct · 698th of 3,221 US counties · median 8,232
- 91st pct · 11th of 120 Kentucky counties · median 5,237
- 57th pct · 7th of 15 counties in the Cincinnati metro · median 14,828
| Item | Value | Distance |
|---|---|---|
| Campbell County, KY | 32,026 jobs · $1,147/wk · -0.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 4,798 | $1,103 | 1.00 | -2.4% |
| Accommodation and food services | 4,386 | $431 | 1.52 | -0.2% |
| Retail trade | 3,986 | $779 | 1.28 | +0.8% |
| Professional and technical services | 2,247 | $1,931 | 1.02 | -2.5% |
| Manufacturing | 1,982 | $1,583 | 0.77 | -1.5% |
| Wholesale trade | 1,575 | $1,492 | 1.28 | +7.9% |
| Construction | 1,553 | $1,273 | 0.92 | +0.0% |
| Administrative and waste services | 1,024 | $1,252 | 0.56 | +3.3% |
| Other services | 988 | $810 | 1.03 | +2.2% |
| Transportation and warehousing | 972 | $1,191 | 0.72 | +0.9% |
| Arts, entertainment and recreation | 720 | $625 | 1.37 | -4.0% |
| Finance and insurance | 697 | $2,089 | 0.53 | -4.9% |
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 #
$2.6 bn in deposits at 25 offices of 11 banks (SOD June 2026); HHI 1,543, moderately concentrated. $543.1 m federal obligations in FY2026 (direct payments $530.1 m, grants $11.4 m), $16,959 per covered job
| Item | Value | Distance |
|---|---|---|
| Fifth Third Bank, National Association | $735.2 m · 28.1% share · 4 offices | |
| Truist Bank | $400.1 m · 15.3% share · 2 offices | |
| U.S. Bank National Association | $343.0 m · 13.1% share · 4 offices | |
| Campbell, KY | $543.1 m FY2026 · $16,959/job | |
| MULTIPLE RECIPIENTS | $497.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Fifth Third Bank, National Association | $735,180,000 | 28.1% | 4 |
| Truist Bank | $400,126,000 | 15.3% | 2 |
| U.S. Bank National Association | $342,977,000 | 13.1% | 4 |
| PNC Bank, National Association | $278,011,000 | 10.6% | 3 |
| WesBanco Bank, Inc. | $277,280,000 | 10.6% | 4 |
| Heritage Bank, Inc. | $212,254,000 | 8.1% | 3 |
| JPMorgan Chase Bank, National Association | $122,349,000 | 4.7% | 1 |
| Guardian Savings Bank | $105,963,000 | 4.1% | 1 |
| Stock Yards Bank & Trust Company | $88,950,000 | 3.4% | 1 |
| German American Bank | $31,364,000 | 1.2% | 1 |
Deposit concentration is 1,543 across 11 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 28.1² + 15.3² + 13.1² + … (8 more) = 1,543
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 | $454,244,352 |
| Department of Veterans Affairs | $38,471,572 |
| Department of Education | $19,457,762 |
| Department of Housing and Urban Development | $14,815,993 |
| Department of Health and Human Services | $7,074,483 |
| Railroad Retirement Board | $5,488,890 |
| Department of Transportation | $2,457,836 |
| Department of Defense | $395,574 |
| Federal Communications Commission | $349,046 |
| National Science Foundation | $254,201 |
| Department of Agriculture | $203,058 |
| Small Business Administration | $0 |
That is $16,959 per covered job, against 32,026 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $543.1 m / 32,026 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,959
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 #
Campbell County, KY: 10 findings, 2 at a watch level and 8 noted
watchCampbell County, KY's covered employment is -0.6% 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 = -0.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchCampbell County, KY's typical home value of +2.9% scores 51 on the 0-to-100 scale across US counties but 87 across Kentucky counties, a gap of 37 points.
Period 2026-09.Show the arithmetic
- 37 = |51 across US counties - 87 across Kentucky counties|
position among the entities that published this metric this period; not an official level
noteCampbell County, KY's average weekly wage was 4.0% 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
- +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
noteCampbell County, KY's covered employment was 0.6% 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
- -0.6 % = 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
noteCampbell County, KY's typical asking rent rose 0.3% from $1,500 in August 2026 to $1,504 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +0.3% = (1504.1996825396825 - 1500.2278069678046) / 1500.2278069678046 × 100
- 1504.1996825396825 = Zillow ZORI, 2026-09
- 1500.2278069678046 = Zillow ZORI, 2026-08
Read all 10 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.