Lincoln County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.46, -84.66.
Assembled 2026-10-20. Read the brief.
- 37th pct · 1,916th of 3,063 US counties · median $230,451
- 59th pct · 49th of 120 Kentucky counties · median $179,218
- 7th pct · 2,837th of 3,062 US counties · median +2.9%
- 43rd pct · 68th of 120 Kentucky counties · median -1.4%
- US counties: not published this period
- Kentucky counties: not published this period
- 31st pct · 2,195th of 3,221 US counties · median 8,232
- 43rd pct · 68th of 120 Kentucky counties · median 5,237
- 25th pct · 2,401st of 3,221 US counties · median $1,039
- 44th pct · 66th of 120 Kentucky counties · median $953
- 47th pct · 1,602nd of 3,063 US counties · median 4.2
- 69th pct · 37th 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 $198,151 (Sep 2026), -2.9% over one year, +29.9% over five
- 37th pct · 1,916th of 3,063 US counties · median $230,451
- 59th pct · 49th of 120 Kentucky counties · median $179,218
| Item | Value | Distance |
|---|---|---|
| Lincoln County, KY | $198,151 · -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 #
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 $1,098 a month on $198,151 at 7.40%, against an average weekly wage worth $4,030 a month: 27.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $198,151 × 80% = $158,521, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,098/mo principal and interest
- wage share = payment / (avg weekly wage $930 × 52 / 12 = $4,030) = 27% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $198,151 / ($930 × 52) = 4.1
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 #
4,056 jobs at 552 employers (2026 Q1); +2.2% jobs and +4.0% average weekly wage over the year
- 31st pct · 2,195th of 3,221 US counties · median 8,232
- 43rd pct · 68th of 120 Kentucky counties · median 5,237
| Item | Value | Distance |
|---|---|---|
| Lincoln County, KY | 4,056 jobs · $930/wk · +2.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 674 | $897 | 1.10 | +5.3% |
| Retail trade | 559 | $619 | 1.41 | +2.4% |
| Manufacturing | 355 | $971 | 1.09 | -8.7% |
| Professional and technical services | 229 | $1,695 | 0.82 | -4.2% |
| Construction | 219 | $891 | 1.03 | +0.0% |
| Finance and insurance | 126 | $1,249 | 0.76 | +8.6% |
| Wholesale trade | 121 | $759 | 0.78 | +8.0% |
| Other services | 77 | $499 | 0.64 | -8.3% |
| Real estate and rental | 54 | $2,314 | 0.87 | +8.0% |
| Information | 10 | $2,289 | 0.13 | +0.0% |
| Unclassified | 3 | $1,703 | 0.35 | +0.0% |
| Agriculture, forestry, fishing | 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 #
40 gauges · 0 flooding · 8 with quality panels averaging 97 % · 9 stale
Sites found: 40, 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 |
|---|---|---|
| GREEN RIVER NEAR MCKINNEY, KY | flow 3.34 ft³/s | 9 km |
| DIX RIVER NEAR DANVILLE, KY | flow 27.2 ft³/s | 21 km |
| CLARKS RUN NEAR DANVILLE, KY | flow 2.40 ft³/s · STALE | 21 km |
| SPEARS CREEK AT STREAMLAND DRIVE | flow 1.60 ft³/s · STALE | 26 km |
| MOCKS BRANCH AT HIGHWAY 1896 | flow 1.20 ft³/s · STALE | 30 km |
| BUCK CREEK NEAR SHOPVILLE, KY | flow 10.9 ft³/s | 32 km |
| KENTUCKY RIVER AT LOCK 8 NEAR CAMP NELSON, KY | flow 1,350 ft³/s | 33 km |
| DIX RIVER AT DIX DAM NEAR BURGIN, KY | flow 178.0 ft³/s | 38 km |
| KENTUCKY RIVER AT LOCK 7 AT HIGHBRIDGE, KY | flow 3,560 ft³/s | 42 km |
| ROCKCASTLE RIVER AT BILLOWS, KY | flow 52.1 ft³/s | 45 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 #
3 wells in 0 named aquifers:
Sites found: 3, 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-375928084362001 | depth 13.0 ft · 2024-05-16 | 60 km |
| I23B0011 | depth 43.7 ft · 1984-11-08 | 63 km |
| J22C0018 | depth 24.1 ft · 1984-08-26 | 69 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 (0.01)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.03 / 0.55
Banks & federal dollars #
$421.9 m in deposits at 7 offices of 4 banks (SOD June 2026); HHI 4,259, highly concentrated. $165.0 m federal obligations in FY2026 (direct payments $154.9 m, contracts $5.9 m), $40,691 per covered job
| Item | Value | Distance |
|---|---|---|
| First Southern National Bank | $249.2 m · 59.1% share · 2 offices | |
| PBK BANK, INC. | $103.0 m · 24.4% share · 3 offices | |
| The Farmers National Bank of Danville | $52.7 m · 12.5% share · 1 office | |
| Lincoln, KY | $165.0 m FY2026 · $40,691/job | |
| MULTIPLE RECIPIENTS | $152.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Southern National Bank | $249,233,000 | 59.1% | 2 |
| PBK BANK, INC. | $103,031,000 | 24.4% | 3 |
| The Farmers National Bank of Danville | $52,704,000 | 12.5% | 1 |
| The Casey County Bank, Inc. | $16,902,000 | 4.0% | 1 |
Deposit concentration is 4,259 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 = 59.1² + 24.4² + 12.5² + … (1 more) = 4,259
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 | $129,671,545 |
| Department of Veterans Affairs | $18,117,073 |
| Department of Homeland Security | $5,842,839 |
| Railroad Retirement Board | $4,298,934 |
| Department of Health and Human Services | $2,873,612 |
| Department of Agriculture | $2,098,014 |
| Department of Housing and Urban Development | $1,207,756 |
| Department of Transportation | $913,064 |
| Federal Communications Commission | $17,995 |
That is $40,691 per covered job, against 4,056 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $165.0 m / 4,056 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $40,691
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.
Public companies #
1 public company files with the SEC from a business address here (UTG INC). The snapshot was pulled 2026-10-20; 1 of 1 carry financial facts. The county's jobs mix maps to 7 GICS sectors, led by Consumer Discretionary.
| Item | Value | Distance |
|---|---|---|
| UTG INC | UTGN · OTC · Financials · STANFORD, KY 40484 |
Snapshot pulled 2026-10-20: 1 filers, 1 with financial facts.
Public filers whose registered business address with the SEC falls in this county, from a committed snapshot of EDGAR's company_tickers_exchange file. A position is the centroid of the address's ZIP code (Census ZCTA) or, where the snapshot says so, of its city: it is not a building. Legal entities only - no officer, insider or shareholder data is read, and Forms 3, 4 and 5 are excluded everywhere. Sector exposure is the county's BLS QCEW jobs mix bridged to GICS sectors by a convention documented in lib/companies/sectors.ts; a jobs mix is not a portfolio.
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 #
Lincoln County, KY: 8 findings, 2 at a watch level and 6 noted
watchLincoln County, KY's typical home value is -2.9% 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 = -2.857982452566657 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchLincoln County, KY's typical home value of -2.9% scores 7 on the 0-to-100 scale across US counties but 44 across Kentucky counties, a gap of 36 points.
Period 2026-09.Show the arithmetic
- 36 = |7 across US counties - 44 across Kentucky counties|
position among the entities that published this metric this period; not an official level
noteLincoln 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
noteLincoln County, KY's covered employment was 2.2% 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
- +2.2 % = 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
noteLincoln County, KY's typical home value rose 0.4% from $197,290 in August 2026 to $198,151 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.4% = (198151.31805946832 - 197289.93871207084) / 197289.93871207084 × 100
- 198151.31805946832 = Zillow ZHVI, 2026-09
- 197289.93871207084 = Zillow ZHVI, 2026-08
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.