Pendleton County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.70, -84.35.
Assembled 2026-10-19. Read the brief.
- 52nd pct · 1,462nd of 3,063 US counties · median $230,451
- 74th pct · 31st of 120 Kentucky counties · median $179,218
- 14th pct · 13th of 15 counties in the Cincinnati metro · median $286,827
- 58th pct · 1,267th of 3,062 US counties · median +2.9%
- 89th pct · 13th of 120 Kentucky counties · median -1.4%
- 78th pct · 4th 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
- 18th pct · 2,638th of 3,221 US counties · median 8,232
- 20th pct · 96th of 120 Kentucky counties · median 5,237
- 14th pct · 13th of 15 counties in the Cincinnati metro · median 14,828
- 75th pct · 794th of 3,221 US counties · median $1,039
- 88th pct · 15th of 120 Kentucky counties · median $953
- 57th pct · 7th of 15 counties in the Cincinnati metro · median $1,184
- 41st pct · 1,794th of 3,063 US counties · median 4.2
- 63rd pct · 44th of 120 Kentucky counties · median 3.5
- 21st pct · 12th 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 $237,230 (Sep 2026), +3.5% over one year, +34.6% over five
- 52nd pct · 1,462nd of 3,063 US counties · median $230,451
- 74th pct · 31st of 120 Kentucky counties · median $179,218
- 14th pct · 13th of 15 counties in the Cincinnati metro · median $286,827
| Item | Value | Distance |
|---|---|---|
| Pendleton County, KY | $237,230 · +3.5% 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 $1,314 a month on $237,230 at 7.40%, against an average weekly wage worth $5,174 a month: 25.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $237,230 × 80% = $189,784, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,314/mo principal and interest
- wage share = payment / (avg weekly wage $1,194 × 52 / 12 = $5,174) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $237,230 / ($1,194 × 52) = 3.8
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 #
2,215 jobs at 299 employers (2026 Q1); -2.6% jobs and +9.0% average weekly wage over the year
- 18th pct · 2,638th of 3,221 US counties · median 8,232
- 20th pct · 96th of 120 Kentucky counties · median 5,237
- 14th pct · 13th of 15 counties in the Cincinnati metro · median 14,828
| Item | Value | Distance |
|---|---|---|
| Pendleton County, KY | 2,215 jobs · $1,194/wk · -2.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 198 | $487 | 0.92 | +11.2% |
| Manufacturing | 178 | $1,942 | 1.00 | -26.4% |
| Accommodation and food services | 140 | $336 | 0.70 | +38.6% |
| Finance and insurance | 101 | $2,671 | 1.12 | +17.4% |
| Transportation and warehousing | 47 | $1,100 | 0.50 | +14.6% |
| Arts, entertainment and recreation | 42 | $665 | 1.15 | -14.3% |
| Other services | 36 | $854 | 0.54 | -2.7% |
| Real estate and rental | 7 | $582 | 0.21 | -12.5% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Construction | 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 #
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 #
$219.8 m in deposits at 5 offices of 4 banks (SOD June 2026); HHI 3,262, highly concentrated. $90.4 m federal obligations in FY2026 (direct payments $88.8 m, grants $1.5 m), $40,794 per covered job
| Item | Value | Distance |
|---|---|---|
| Heritage Bank, Inc. | $99.7 m · 45.3% share · 2 offices | |
| Fifth Third Bank, National Association | $62.8 m · 28.6% share · 1 office | |
| U.S. Bank National Association | $39.5 m · 18.0% share · 1 office | |
| Pendleton, KY | $90.4 m FY2026 · $40,794/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Heritage Bank, Inc. | $99,661,000 | 45.3% | 2 |
| Fifth Third Bank, National Association | $62,770,000 | 28.6% | 1 |
| U.S. Bank National Association | $39,530,000 | 18.0% | 1 |
| Truist Bank | $17,802,000 | 8.1% | 1 |
Deposit concentration is 3,262 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 = 45.3² + 28.6² + 18.0² + … (1 more) = 3,262
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 $40,794 per covered job, against 2,215 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $90.4 m / 2,215 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $40,794
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 #
Pendleton County, KY: 8 findings, 2 at a watch level and 6 noted
watchPendleton 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
watchPendleton County, KY's typical home value of +3.5% scores 59 on the 0-to-100 scale across US counties but 90 across Kentucky counties, a gap of 31 points.
Period 2026-09.Show the arithmetic
- 31 = |59 across US counties - 90 across Kentucky counties|
position among the entities that published this metric this period; not an official level
notePendleton County, KY's average weekly wage was 9.0% 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
- +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
notePendleton 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
notePendleton County, KY's covered employment of -2.6% ranks 15th of 15 counties in the Cincinnati metro, against a median of +0.4%.
Period 2026 Q1.Show the arithmetic
- 0 on the 0-to-100 scale across 15 counties in the Cincinnati metro that published jobs.yoy.emp
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.