Crittenden County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.36, -88.11.
Assembled 2026-10-19. Read the brief.
- 11th pct · 2,706th of 3,063 US counties · median $230,451
- 20th pct · 96th of 120 Kentucky counties · median $179,218
- 1st pct · 3,015th of 3,062 US counties · median +2.9%
- 18th pct · 98th of 120 Kentucky counties · median -1.4%
- US counties: not published this period
- Kentucky counties: not published this period
- 15th pct · 2,708th of 3,221 US counties · median 8,232
- 16th pct · 100th of 120 Kentucky counties · median 5,237
- 8th pct · 2,937th of 3,221 US counties · median $1,039
- 12th pct · 105th of 120 Kentucky counties · median $953
- 25th pct · 2,296th of 3,063 US counties · median 4.2
- 32nd pct · 81st 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 $135,920 (Sep 2026), -9.4% over one year, -9.0% over five
- 11th pct · 2,706th of 3,063 US counties · median $230,451
- 20th pct · 96th of 120 Kentucky counties · median $179,218
| Item | Value | Distance |
|---|---|---|
| Crittenden County, KY | $135,920 · -9.4% 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
- Kentucky counties: not published this period
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 $753 a month on $135,920 at 7.40%, against an average weekly wage worth $3,584 a month: 21.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $135,920 × 80% = $108,736, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $753/mo principal and interest
- wage share = payment / (avg weekly wage $827 × 52 / 12 = $3,584) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $135,920 / ($827 × 52) = 3.2
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 #
1,973 jobs at 216 employers (2026 Q1); +2.3% jobs and +4.9% average weekly wage over the year
- 15th pct · 2,708th of 3,221 US counties · median 8,232
- 16th pct · 100th of 120 Kentucky counties · median 5,237
| Item | Value | Distance |
|---|---|---|
| Crittenden County, KY | 1,973 jobs · $827/wk · +2.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 427 | $958 | 2.69 | +6.8% |
| Retail trade | 228 | $450 | 1.19 | -5.0% |
| Construction | 59 | $869 | 0.57 | +68.6% |
| Other services | 43 | $471 | 0.73 | +13.2% |
| Transportation and warehousing | 34 | $992 | 0.41 | +47.8% |
| Administrative and waste services | 27 | $666 | 0.24 | -6.9% |
| Professional and technical services | 15 | $1,191 | 0.11 | +0.0% |
| Information | 9 | $1,652 | 0.25 | +12.5% |
| Unclassified | 1 | $1,071 | 0.24 | +100.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | 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 #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
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 #
29 gauges · 0 flooding · 0 with quality panels · 7 stale
Sites found: 29, 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 |
|---|---|---|
| TRADEWATER RIVER NEAR PROVIDENCE, KY | flow 66.3 ft³/s | 23 km |
| TRADEWATER RIVER AT OLNEY, KY | flow 2.00 ft³/s | 32 km |
| OHIO RIVER AT DAM 51 AT GOLCONDA, IL | stage 30.2 ft · no flooding | 33 km |
| OHIO RIVER AT SMITHLAND DAM, SMITHLAND, KY | flow 117,000 ft³/s · no flooding | 36 km |
| OHIO RIVER AT OLD SHAWNEETOWN, IL-KY | flow 255,000 ft³/s · no flooding | 37 km |
| Cumberland River at Barkley Lake Tailwater | no readings | 39 km |
| Cumberland River at Barkley Lake Pool | no readings | 39 km |
| Tennessee River at Kentucky Lake Tailwater | no readings | 41 km |
| Tennessee River at Kentucky Lake Pool | no readings | 41 km |
| LUSK CREEK NEAR EDDYVILLE, IL | flow 0.04 ft³/s | 41 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 #
7 wells in 0 named aquifers:
Sites found: 7, 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-370109088134901 | depth 44.2 ft · 1983-09-13 | 39 km |
| USGS-374453088261701 | depth 10.1 ft · 2026-10-18 | 52 km |
| USGS-370733087291201 | depth 7.02 ft · 1983-09-08 | 61 km |
| USGS-370444088473801 | depth 61.6 ft · 1984-11-30 | 68 km |
| USGS-370516088504401 | depth 45.1 ft · 1984-11-30 | 72 km |
| USGS-370551088510401 | depth 107.8 ft · 1983-09-13 | 72 km |
| USGS-365210088391301 | depth 9.03 ft · 2026-10-19 | 73 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 / 0.35
Banks & federal dollars #
$201.9 m in deposits at 5 offices of 3 banks (SOD June 2026); HHI 5,810, highly concentrated. $59.3 m federal obligations in FY2026 (direct payments $57.6 m, grants $1.7 m), $30,058 per covered job
| Item | Value | Distance |
|---|---|---|
| Farmers Bank and Trust Company | $148.0 m · 73.3% share · 2 offices | |
| The Peoples Bank | $39.8 m · 19.7% share · 2 offices | |
| First United Bank and Trust Company | $14.1 m · 7.0% share · 1 office | |
| Crittenden, KY | $59.3 m FY2026 · $30,058/job | |
| MULTIPLE RECIPIENTS | $55.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Farmers Bank and Trust Company | $148,010,000 | 73.3% | 2 |
| The Peoples Bank | $39,815,000 | 19.7% | 2 |
| First United Bank and Trust Company | $14,107,000 | 7.0% | 1 |
Deposit concentration is 5,810 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 73.3² + 19.7² + 7.0² = 5,810
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 | $50,156,563 |
| Department of Veterans Affairs | $5,412,152 |
| Department of Agriculture | $1,941,556 |
| Department of Transportation | $1,620,988 |
| Railroad Retirement Board | $137,848 |
| Federal Communications Commission | $35,567 |
That is $30,058 per covered job, against 1,973 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $59.3 m / 1,973 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $30,058
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 #
Crittenden County, KY: 9 findings, 1 at an alert level, 1 at a watch level and 7 noted
alertCrittenden County, KY's typical home value is -9.4% against a year earlier, an alert level here: typical home value at least 5 percent below a year ago (arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, 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 = -9.372548102167286 <= -5
arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, not an official level
watchCrittenden County, KY's typical home value is -9.4% 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 = -9.372548102167286 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteCrittenden County, KY's average weekly wage was 4.9% 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
- +4.9 % = 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
noteCrittenden County, KY's covered employment was 2.3% 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
- +2.3 % = 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
noteCrittenden County, KY's typical home value fell 0.8% from $137,024 in August 2026 to $135,920 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -0.8% = (135920.15475837313 - 137024.34491744608) / 137024.34491744608 × 100
- 135920.15475837313 = Zillow ZHVI, 2026-09
- 137024.34491744608 = Zillow ZHVI, 2026-08
Read all 9 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.