Grant County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.65, -84.63.
Assembled 2026-10-19. Read the brief.
- 63rd pct · 1,126th of 3,063 US counties · median $230,451
- 88th pct · 15th of 120 Kentucky counties · median $179,218
- 35th pct · 10th of 15 counties in the Cincinnati metro · median $286,827
- 53rd pct · 1,421st of 3,062 US counties · median +2.9%
- 88th pct · 15th of 120 Kentucky counties · median -1.4%
- 57th pct · 7th of 15 counties in the Cincinnati metro · median +2.9%
- US counties: not published this period
- Kentucky counties: not published this period
- counties in the Cincinnati metro: not published this period
- 39th pct · 1,948th of 3,221 US counties · median 8,232
- 54th pct · 55th of 120 Kentucky counties · median 5,237
- 35th pct · 10th of 15 counties in the Cincinnati metro · median 14,828
- 34th pct · 2,101st of 3,221 US counties · median $1,039
- 52nd pct · 57th of 120 Kentucky counties · median $953
- 28th pct · 11th of 15 counties in the Cincinnati metro · median $1,184
- 71st pct · 866th of 3,063 US counties · median 4.2
- 94th pct · 8th of 120 Kentucky counties · median 3.5
- 57th pct · 7th 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 $272,511 (Sep 2026), +3.1% over one year, +31.2% over five
- 63rd pct · 1,126th of 3,063 US counties · median $230,451
- 88th pct · 15th of 120 Kentucky counties · median $179,218
- 35th pct · 10th of 15 counties in the Cincinnati metro · median $286,827
| Item | Value | Distance |
|---|---|---|
| Grant County, KY | $272,511 · +3.1% 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 #
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
- counties in the Cincinnati metro: 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 $1,509 a month on $272,511 at 7.40%, against an average weekly wage worth $4,203 a month: 35.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $272,511 × 80% = $218,009, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,509/mo principal and interest
- wage share = payment / (avg weekly wage $970 × 52 / 12 = $4,203) = 36% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $272,511 / ($970 × 52) = 5.4
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 #
5,453 jobs at 678 employers (2026 Q1); +1.4% jobs and +9.1% average weekly wage over the year
- 39th pct · 1,948th of 3,221 US counties · median 8,232
- 54th pct · 55th of 120 Kentucky counties · median 5,237
- 35th pct · 10th of 15 counties in the Cincinnati metro · median 14,828
| Item | Value | Distance |
|---|---|---|
| Grant County, KY | 5,453 jobs · $970/wk · +1.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 970 | $332 | 1.98 | -0.7% |
| Retail trade | 897 | $759 | 1.69 | +0.2% |
| Manufacturing | 480 | $1,240 | 1.09 | -4.4% |
| Construction | 370 | $1,518 | 1.29 | +0.0% |
| Professional and technical services | 257 | $2,048 | 0.68 | +17.4% |
| Other services | 138 | $827 | 0.85 | +2.2% |
| Wholesale trade | 104 | $1,789 | 0.50 | +6.1% |
| Finance and insurance | 102 | $1,257 | 0.46 | +27.5% |
| Real estate and rental | 55 | $960 | 0.66 | +7.8% |
| Arts, entertainment and recreation | 55 | $280 | 0.61 | +31.0% |
| Information | 22 | $1,640 | 0.22 | +0.0% |
| Unclassified | 3 | $1,342 | 0.26 | +0.0% |
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 #
88 gauges · 0 flooding · 15 with quality panels averaging 94 % · 27 stale
Sites found: 88, 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 |
|---|---|---|
| W Fk Mill Creek at Hille Park at Cincinnati OH | flow 0.71 ft³/s · quality 70 % (5) · STALE | 56 km |
| EAGLE CREEK AT GLENCOE, KY | flow 0.29 ft³/s | 18 km |
| CRUISES CREEK AT HWY 17 NR PINER, KY | flow 17.0 ft³/s · quality 90 % (5) · STALE | 23 km |
| MUD LICK CR AT HWY 42 NR BEAVERLICK, KY | flow 7.48 ft³/s | 23 km |
| SOUTH FORK LICKING RIVER AT HAYES, KY | flow 131.0 ft³/s | 24 km |
| LICKING RIVER AT CATAWBA, KY | flow 571.0 ft³/s | 28 km |
| EAGLE CREEK AT SADIEVILLE, KY | flow 0.20 ft³/s | 30 km |
| LICKING RIVER AT MCKINNEYSBURG, KY | flow 311.0 ft³/s | 32 km |
| OHIO RIVER AT MARKLAND DAM NEAR WARSAW, KY | flow 88,000 ft³/s · quality 100 % (4) | 33 km |
| LICKING RIVER AT HWY 536 NEAR ALEXANDRIA, KY | flow 634.0 ft³/s · quality 100 % (5) | 34 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 #
24 wells in 1 named aquifer: Sand and gravel aquifers (glaciated regions)
Sites found: 24, 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-385144084133900 | depth 42.4 ft · 1982-10-27 | 42 km |
| USGS-390438084310701 | depth 34.2 ft · 2018-08-02 | 48 km |
| USGS-390529084330701 | depth 58.5 ft · 2019-09-19 | 50 km |
| USGS-390507084302101 | depth 47.6 ft · 2016-10-16 | 50 km |
| USGS-390612084290601 | depth 72.6 ft · 2019-04-18 | 52 km |
| USGS-390653084485700 | depth 52.8 ft · 1982-08-25 | 54 km |
| Sand and gravel aquifers (glaciated regions) | depth 35.0 ft · 2024-09-29 | 60 km |
| USGS-391201084281600 | depth 35.9 ft · 2010-09-13 | 63 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 (0.02)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.06 / 0.55
Banks & federal dollars #
$380.2 m in deposits at 6 offices of 3 banks (SOD June 2026); HHI 5,076, highly concentrated. $151.8 m federal obligations in FY2026 (direct payments $148.2 m, grants $3.3 m), $27,840 per covered job
| Item | Value | Distance |
|---|---|---|
| Forcht Bank, National Association | $255.3 m · 67.2% share · 3 offices | |
| Heritage Bank, Inc. | $76.3 m · 20.1% share · 2 offices | |
| Truist Bank | $48.6 m · 12.8% share · 1 office | |
| Grant, KY | $151.8 m FY2026 · $27,840/job | |
| MULTIPLE RECIPIENTS | $147.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Forcht Bank, National Association | $255,303,000 | 67.2% | 3 |
| Heritage Bank, Inc. | $76,283,000 | 20.1% | 2 |
| Truist Bank | $48,583,000 | 12.8% | 1 |
Deposit concentration is 5,076 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 = 67.2² + 20.1² + 12.8² = 5,076
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 | $129,539,613 |
| Department of Veterans Affairs | $15,192,632 |
| Railroad Retirement Board | $2,854,819 |
| Department of Transportation | $1,626,632 |
| Department of Health and Human Services | $1,082,867 |
| Department of Housing and Urban Development | $555,375 |
| Department of Agriculture | $447,838 |
| Federal Communications Commission | $259,754 |
| Department of Defense | $251,458 |
That is $27,840 per covered job, against 5,453 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $151.8 m / 5,453 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $27,840
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 #
Grant County, KY: 8 findings, 1 at a watch level and 7 noted
watchGrant County, KY's typical home value of +3.1% scores 54 on the 0-to-100 scale across US counties but 88 across Kentucky counties, a gap of 35 points.
Period 2026-09.Show the arithmetic
- 35 = |54 across US counties - 88 across Kentucky counties|
position among the entities that published this metric this period; not an official level
noteGrant County, KY's average weekly wage was 9.1% 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
- +9.1 % = 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
noteGrant County, KY's covered employment was 1.4% 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
- +1.4 % = 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
noteGrant County, KY's momentum index of 0.57 ranks 6th of 120 Kentucky counties, against a median of 0.06.
Period 2026-09.Show the arithmetic
- 96 on the 0-to-100 scale across 120 Kentucky counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
noteGrant County, KY's years of wages of 5.4 ranks 8th of 120 Kentucky counties, against a median of 3.5.
Period 2026-09.Show the arithmetic
- 94 on the 0-to-100 scale across 120 Kentucky counties that published yearsOfWages
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
Read all 8 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.