Montgomery County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.04, -83.91.
Assembled 2026-10-19. Read the brief.
- 47th pct · 1,594th of 3,063 US counties · median $230,451
- 72nd pct · 34th of 120 Kentucky counties · median $179,218
- 66th pct · 1,016th of 3,062 US counties · median +2.9%
- 94th pct · 8th of 120 Kentucky counties · median -1.4%
- US counties: not published this period
- Kentucky counties: not published this period
- 55th pct · 1,445th of 3,221 US counties · median 8,232
- 70th pct · 36th of 120 Kentucky counties · median 5,237
- 29th pct · 2,275th of 3,221 US counties · median $1,039
- 49th pct · 61st of 120 Kentucky counties · median $953
- 57th pct · 1,300th of 3,063 US counties · median 4.2
- 78th pct · 26th 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 $226,199 (Sep 2026), +4.3% over one year, +34.0% over five
- 47th pct · 1,594th of 3,063 US counties · median $230,451
- 72nd pct · 34th of 120 Kentucky counties · median $179,218
| Item | Value | Distance |
|---|---|---|
| Montgomery County, KY | $226,199 · +4.3% 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 $1,253 a month on $226,199 at 7.40%, against an average weekly wage worth $4,117 a month: 30.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $226,199 × 80% = $180,959, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,253/mo principal and interest
- wage share = payment / (avg weekly wage $950 × 52 / 12 = $4,117) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $226,199 / ($950 × 52) = 4.6
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 #
9,968 jobs at 900 employers (2026 Q1); -2.6% jobs and +1.5% average weekly wage over the year
- 55th pct · 1,445th of 3,221 US counties · median 8,232
- 70th pct · 36th of 120 Kentucky counties · median 5,237
| Item | Value | Distance |
|---|---|---|
| Montgomery County, KY | 9,968 jobs · $950/wk · -2.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,641 | $1,160 | 3.29 | -9.6% |
| Retail trade | 1,531 | $667 | 1.58 | +3.2% |
| Accommodation and food services | 967 | $384 | 1.08 | -0.1% |
| Administrative and waste services | 399 | $957 | 0.70 | -0.5% |
| Construction | 378 | $1,048 | 0.72 | +0.0% |
| Finance and insurance | 277 | $1,402 | 0.68 | -2.8% |
| Wholesale trade | 200 | $816 | 0.52 | -5.7% |
| Other services | 163 | $624 | 0.55 | -7.4% |
| Real estate and rental | 97 | $923 | 0.63 | +11.5% |
| Information | 62 | $879 | 0.34 | +0.0% |
| Unclassified | 15 | $809 | 0.71 | +0.0% |
| Arts, entertainment and recreation | 13 | $445 | 0.08 | -35.0% |
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.
Water #
Banks & federal dollars #
$811.7 m in deposits at 12 offices of 6 banks (SOD June 2026); HHI 3,391, highly concentrated. $185.0 m federal obligations in FY2026 (direct payments $161.4 m, grants $19.3 m), $18,555 per covered job
| Item | Value | Distance |
|---|---|---|
| Traditional Bank, Inc. | $426.7 m · 52.6% share · 5 offices | |
| Community Trust Bank, Inc. | $153.0 m · 18.8% share · 1 office | |
| Whitaker Bank | $98.8 m · 12.2% share · 3 offices | |
| Montgomery, KY | $185.0 m FY2026 · $18,555/job | |
| MULTIPLE RECIPIENTS | $160.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Traditional Bank, Inc. | $426,695,000 | 52.6% | 5 |
| Community Trust Bank, Inc. | $152,970,000 | 18.8% | 1 |
| Whitaker Bank | $98,754,000 | 12.2% | 3 |
| Peoples Exchange Bank | $82,807,000 | 10.2% | 1 |
| Peoples Bank of Kentucky, Inc. | $30,286,000 | 3.7% | 1 |
| City National Bank of West Virginia | $20,175,000 | 2.5% | 1 |
Deposit concentration is 3,391 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 52.6² + 18.8² + 12.2² + … (3 more) = 3,391
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 | $142,276,128 |
| Department of Veterans Affairs | $17,267,755 |
| Department of Transportation | $14,540,768 |
| Department of Agriculture | $4,346,209 |
| Department of Health and Human Services | $3,821,746 |
| Department of Housing and Urban Development | $1,527,750 |
| Railroad Retirement Board | $673,486 |
| Department of the Treasury | $519,405 |
| Small Business Administration | $0 |
| Department of the Interior | -$19,006 |
That is $18,555 per covered job, against 9,968 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $185.0 m / 9,968 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,555
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 #
Montgomery County, KY: 7 findings, 1 at a watch level and 6 noted
watchMontgomery County, KY's covered employment is -2.6% against a year earlier, a watch level here: covered employment below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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 Q1.Show the arithmetic
- test: jobs.yoy.emp = -2.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteMontgomery County, KY's covered employment was 2.6% lower 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
- -2.6 % = 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
noteMontgomery County, KY's average weekly wage was 1.5% 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
- +1.5 % = 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
noteMontgomery County, KY's typical home value fell 0.3% from $226,891 in August 2026 to $226,199 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -0.3% = (226198.92589660976 - 226891.2431295493) / 226891.2431295493 × 100
- 226198.92589660976 = Zillow ZHVI, 2026-09
- 226891.2431295493 = Zillow ZHVI, 2026-08
noteMontgomery County, KY's typical home value of +4.3% ranks 8th of 120 Kentucky counties, against a median of -1.4%.
Period 2026-09.Show the arithmetic
- 94 on the 0-to-100 scale across 120 Kentucky counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
Read all 7 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.