Floyd County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.55, -82.74.
Assembled 2026-10-19. Read the brief.
- 1st pct · 3,015th of 3,063 US counties · median $230,451
- 5th pct · 114th of 120 Kentucky counties · median $179,218
- 0th pct · 3,054th of 3,062 US counties · median +2.9%
- 5th pct · 114th of 120 Kentucky counties · median -1.4%
- US counties: not published this period
- Kentucky counties: not published this period
- 57th pct · 1,374th of 3,221 US counties · median 8,232
- 72nd pct · 34th of 120 Kentucky counties · median 5,237
- 25th pct · 2,413th of 3,221 US counties · median $1,039
- 43rd pct · 68th of 120 Kentucky counties · median $953
- 2nd pct · 2,983rd of 3,063 US counties · median 4.2
- 4th pct · 115th 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 $87,003 (Sep 2026), -16.9% over one year, -18.4% over five
- 1st pct · 3,015th of 3,063 US counties · median $230,451
- 5th pct · 114th of 120 Kentucky counties · median $179,218
| Item | Value | Distance |
|---|---|---|
| Floyd County, KY | $87,003 · -16.9% 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 #
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 $482 a month on $87,003 at 7.40%, against an average weekly wage worth $4,026 a month: 12.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $87,003 × 80% = $69,602, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $482/mo principal and interest
- wage share = payment / (avg weekly wage $929 × 52 / 12 = $4,026) = 12% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $87,003 / ($929 × 52) = 1.8
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 #
11,204 jobs at 1,164 employers (2026 Q1); 0.0% jobs and +4.5% average weekly wage over the year
- 57th pct · 1,374th of 3,221 US counties · median 8,232
- 72nd pct · 34th of 120 Kentucky counties · median 5,237
| Item | Value | Distance |
|---|---|---|
| Floyd County, KY | 11,204 jobs · $929/wk · 0.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 3,192 | $990 | 1.89 | +3.2% |
| Retail trade | 1,292 | $714 | 1.18 | -2.2% |
| Accommodation and food services | 696 | $311 | 0.69 | -1.8% |
| Administrative and waste services | 658 | $1,013 | 1.03 | -4.9% |
| Wholesale trade | 439 | $1,129 | 1.02 | -2.4% |
| Information | 394 | $1,081 | 1.91 | +0.3% |
| Construction | 349 | $1,121 | 0.59 | -2.8% |
| Other services | 232 | $716 | 0.69 | +0.0% |
| Manufacturing | 228 | $1,079 | 0.25 | +0.0% |
| Professional and technical services | 204 | $918 | 0.26 | +15.9% |
| Finance and insurance | 149 | $1,070 | 0.33 | +3.5% |
| Management of companies | 109 | $948 | 0.58 | -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 #
No drought class at this point (USDM covers the United States only)
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 #
$653.0 m in deposits at 10 offices of 4 banks (SOD June 2026); HHI 2,782, highly concentrated. $312.5 m federal obligations in FY2026 (direct payments $256.2 m, grants $42.6 m), $27,888 per covered job
| Item | Value | Distance |
|---|---|---|
| Community Trust Bank, Inc. | $254.6 m · 39.0% share · 2 offices | |
| Peoples Bank | $156.2 m · 23.9% share · 3 offices | |
| U.S. Bank National Association | $126.3 m · 19.3% share · 2 offices | |
| Floyd, KY | $312.5 m FY2026 · $27,888/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Community Trust Bank, Inc. | $254,637,000 | 39.0% | 2 |
| Peoples Bank | $156,163,000 | 23.9% | 3 |
| U.S. Bank National Association | $126,310,000 | 19.3% | 2 |
| Citizens Bank of Kentucky, Inc. | $115,888,000 | 17.7% | 3 |
Deposit concentration is 2,782 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 = 39.0² + 23.9² + 19.3² + … (1 more) = 2,782
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 $27,888 per covered job, against 11,204 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $312.5 m / 11,204 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $27,888
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 #
Floyd County, KY: 13 findings, 1 at an alert level, 2 at a watch level and 10 noted
alertFloyd County, KY's typical home value is -16.9% 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 = -16.889074870482343 <= -5
arithmetic on Zillow ZHVI, county and metro files; convention chosen for this dashboard, not an official level
watchFloyd County, KY's typical home value is -16.9% 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 = -16.889074870482343 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchFloyd County, KY's typical home value is -1.4% against the previous month, a watch level here: typical home value at least 1 percent below the previous month (arithmetic on the Zillow ZHVI month columns; 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.momPct = -1.44437708067509 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZHVI month columns; convention chosen for this dashboard, not an official level
noteFloyd County, KY's average weekly wage was 4.5% 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
- +4.5 % = 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
noteFloyd County, KY's typical home value fell 1.4% from $88,278 in August 2026 to $87,003 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -1.4% = (87003.09189291355 - 88278.1614237597) / 88278.1614237597 × 100
- 87003.09189291355 = Zillow ZHVI, 2026-09
- 88278.1614237597 = 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.