Clark County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.97, -84.15.
Assembled 2026-10-19. Read the brief.
- 58th pct · 1,285th of 3,063 US counties · median $230,451
- 82nd pct · 22nd of 120 Kentucky counties · median $179,218
- 0th pct · 6th of 6 counties in the Lexington-Fayette metro · median $329,593
- 72nd pct · 847th of 3,062 US counties · median +2.9%
- 96th pct · 5th of 120 Kentucky counties · median -1.4%
- 100th pct · 1st of 6 counties in the Lexington-Fayette metro · median +2.9%
- 43rd pct · 767th of 1,358 US counties · median $1,506
- 66th pct · 10th of 28 Kentucky counties · median $1,281
- 25th pct · 4th of 5 counties in the Lexington-Fayette metro · median $1,522
- 62nd pct · 1,210th of 3,221 US counties · median 8,232
- 76th pct · 29th of 120 Kentucky counties · median 5,237
- 40th pct · 4th of 6 counties in the Lexington-Fayette metro · median 16,249
- 67th pct · 1,030th of 3,221 US counties · median $1,039
- 79th pct · 25th of 120 Kentucky counties · median $953
- 60th pct · 3rd of 6 counties in the Lexington-Fayette metro · median $1,116
- 51st pct · 1,475th of 3,063 US counties · median 4.2
- 74th pct · 31st of 120 Kentucky counties · median 3.5
- 0th pct · 6th of 6 counties in the Lexington-Fayette metro · median 4.7
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 $253,267 (Sep 2026), +4.8% over one year, +39.7% over five
- 58th pct · 1,285th of 3,063 US counties · median $230,451
- 82nd pct · 22nd of 120 Kentucky counties · median $179,218
- 0th pct · 6th of 6 counties in the Lexington-Fayette metro · median $329,593
| Item | Value | Distance |
|---|---|---|
| Clark County, KY | $253,267 · +4.8% 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 $1,431/mo (Sep 2026), +6.2% over one year; price-to-rent 14.7
- 43rd pct · 767th of 1,358 US counties · median $1,506
- 66th pct · 10th of 28 Kentucky counties · median $1,281
- 25th pct · 4th of 5 counties in the Lexington-Fayette metro · median $1,522
| Item | Value | Distance |
|---|---|---|
| Clark County, KY | $1,431/mo · +6.2% 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 $1,403 a month on $253,267 at 7.40%, against an average weekly wage worth $4,914 a month: 28.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $253,267 × 80% = $202,613, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,403/mo principal and interest
- wage share = payment / (avg weekly wage $1,134 × 52 / 12 = $4,914) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $253,267 / ($1,134 × 52) = 4.3
- price-to-rent = $253,267 / ($1,431 × 12) = 14.7
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 #
13,631 jobs at 1,119 employers (2026 Q1); +1.3% jobs and +3.8% average weekly wage over the year
- 62nd pct · 1,210th of 3,221 US counties · median 8,232
- 76th pct · 29th of 120 Kentucky counties · median 5,237
- 40th pct · 4th of 6 counties in the Lexington-Fayette metro · median 16,249
| Item | Value | Distance |
|---|---|---|
| Clark County, KY | 13,631 jobs · $1,134/wk · +1.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,611 | $1,408 | 2.38 | +0.7% |
| Retail trade | 1,778 | $666 | 1.34 | -0.3% |
| Health care and social assistance | 1,543 | $1,154 | 0.75 | -3.1% |
| Accommodation and food services | 1,214 | $374 | 0.99 | +1.3% |
| Administrative and waste services | 974 | $860 | 1.26 | +9.4% |
| Wholesale trade | 645 | $1,571 | 1.24 | +4.0% |
| Management of companies | 537 | $2,606 | 2.35 | +2.5% |
| Professional and technical services | 469 | $1,679 | 0.50 | -26.7% |
| Finance and insurance | 252 | $1,647 | 0.45 | +2.4% |
| Transportation and warehousing | 250 | $1,262 | 0.44 | +9.2% |
| Other services | 177 | $891 | 0.43 | -1.7% |
| Utilities | 134 | $2,127 | 2.49 | -0.7% |
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.
Water #
Banks & federal dollars #
$947.3 m in deposits at 14 offices of 9 banks (SOD June 2026); HHI 1,583, moderately concentrated. $242.3 m federal obligations in FY2026 (direct payments $224.0 m, grants $15.1 m), $17,775 per covered job
| Item | Value | Distance |
|---|---|---|
| Peoples Exchange Bank | $220.0 m · 23.2% share · 2 offices | |
| Community Trust Bank, Inc. | $173.3 m · 18.3% share · 2 offices | |
| Traditional Bank, Inc. | $145.4 m · 15.3% share · 2 offices | |
| Clark, KY | $242.3 m FY2026 · $17,775/job | |
| MULTIPLE RECIPIENTS | $222.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Peoples Exchange Bank | $220,020,000 | 23.2% | 2 |
| Community Trust Bank, Inc. | $173,341,000 | 18.3% | 2 |
| Traditional Bank, Inc. | $145,403,000 | 15.3% | 2 |
| Central Bank & Trust Co. | $129,897,000 | 13.7% | 2 |
| Stock Yards Bank & Trust Company | $128,692,000 | 13.6% | 2 |
| Burke & Herbert Bank & Trust Company | $69,677,000 | 7.4% | 1 |
| Truist Bank | $63,301,000 | 6.7% | 1 |
| Citizens Bank of Kentucky, Inc. | $14,502,000 | 1.5% | 1 |
| Woodforest National Bank | $2,514,000 | 0.3% | 1 |
Deposit concentration is 1,583 across 9 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 23.2² + 18.3² + 15.3² + … (6 more) = 1,583
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 | $196,846,822 |
| Department of Veterans Affairs | $24,933,546 |
| Department of Transportation | $12,746,235 |
| Department of Housing and Urban Development | $3,386,110 |
| Department of Agriculture | $3,103,299 |
| Railroad Retirement Board | $836,464 |
| Department of Justice | $323,743 |
| Department of Health and Human Services | $117,076 |
| Federal Communications Commission | $16,664 |
| Small Business Administration | $0 |
| Department of the Interior | $0 |
| Department of Defense | -$22,296 |
That is $17,775 per covered job, against 13,631 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $242.3 m / 13,631 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,775
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 #
Clark County, KY: 14 findings, 14 noted
noteClark County, KY's average weekly wage was 3.8% 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
- +3.8 % = 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
noteClark County, KY's covered employment was 1.3% 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
- +1.3 % = 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
noteClark County, KY's typical asking rent rose 1.0% from $1,418 in August 2026 to $1,431 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +1.0% = (1431.25 - 1417.7040145802898) / 1417.7040145802898 × 100
- 1431.25 = Zillow ZORI, 2026-09
- 1417.7040145802898 = Zillow ZORI, 2026-08
noteClark County, KY's typical home value of $253,267 ranks 6th of 6 counties in the Lexington-Fayette metro, against a median of $329,593.
Period 2026-09.Show the arithmetic
- 0 on the 0-to-100 scale across 6 counties in the Lexington-Fayette metro that published home.latest
position among the entities that published this metric this period; not an official level
noteClark County, KY's typical home value of +4.8% ranks 1st of 6 counties in the Lexington-Fayette metro, against a median of +2.9%.
Period 2026-09.Show the arithmetic
- 100 on the 0-to-100 scale across 6 counties in the Lexington-Fayette metro that published home.yoyPct
position among the entities that published this metric this period; not an official level
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.