Trimble County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.62, -85.35.
Assembled 2026-10-19. Read the brief.
- 54th pct · 1,385th of 3,063 US counties · median $230,451
- 78th pct · 26th of 120 Kentucky counties · median $179,218
- 28th pct · 2,199th of 3,062 US counties · median +2.9%
- 69th pct · 37th of 120 Kentucky counties · median -1.4%
- US counties: not published this period
- Kentucky counties: not published this period
- 7th pct · 2,994th of 3,221 US counties · median 8,232
- 5th pct · 114th of 120 Kentucky counties · median 5,237
- 86th pct · 436th of 3,221 US counties · median $1,039
- 94th pct · 8th of 120 Kentucky counties · median $953
- 34th pct · 2,018th of 3,063 US counties · median 4.2
- 52nd pct · 58th 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 $244,183 (Sep 2026), +0.8% over one year, +34.2% over five
- 54th pct · 1,385th of 3,063 US counties · median $230,451
- 78th pct · 26th of 120 Kentucky counties · median $179,218
| Item | Value | Distance |
|---|---|---|
| Trimble County, KY | $244,183 · +0.8% 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 $1,353 a month on $244,183 at 7.40%, against an average weekly wage worth $5,742 a month: 23.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $244,183 × 80% = $195,347, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,353/mo principal and interest
- wage share = payment / (avg weekly wage $1,325 × 52 / 12 = $5,742) = 24% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $244,183 / ($1,325 × 52) = 3.5
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 #
1,039 jobs at 159 employers (2026 Q1); +1.4% jobs and +5.2% average weekly wage over the year
- 7th pct · 2,994th of 3,221 US counties · median 8,232
- 5th pct · 114th of 120 Kentucky counties · median 5,237
| Item | Value | Distance |
|---|---|---|
| Trimble County, KY | 1,039 jobs · $1,325/wk · +1.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Construction | 91 | $1,484 | 1.67 | +2.2% |
| Retail trade | 70 | $495 | 0.69 | +4.5% |
| Finance and insurance | 59 | $1,029 | 1.39 | -19.2% |
| Administrative and waste services | 35 | $793 | 0.59 | +20.7% |
| Other services | 31 | $1,139 | 1.00 | +0.0% |
| Real estate and rental | 10 | $1,394 | 0.63 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Manufacturing | withheld | |||
| Wholesale trade | withheld | |||
| Transportation and warehousing | 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 #
68 gauges · 0 flooding · 32 with quality panels averaging 99 % · 15 stale
Sites found: 68, 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 |
|---|---|---|
| OHIO RIVER AT MADISON, IN | stage 15.0 ft | 12 km |
| Ohio River at Clifty Creek | no flooding | 14 km |
| KENTUCKY RIVER AT LOCK 1 NEAR CARROLLTON, KY | stage 9.85 ft | 18 km |
| HARRODS CREEK NEAR LA GRANGE, KY | flow 0.00 ft³/s · STALE | 20 km |
| HARBERTS CREEK NEAR MADISON, IN | flow 2.60 ft³/s · STALE | 21 km |
| INDIAN-KENTUCK CREEK NEAR CANAAN, IN | flow 0.07 ft³/s | 30 km |
| MUSCATATUCK RIVER NEAR DEPUTY, IN | stage 2.94 ft · no flooding | 35 km |
| HARRODS CREEK AT HIGHWAY 329 NR GOSHEN, KY. | flow 579.0 ft³/s · quality 100 % (1) · STALE | 35 km |
| FLOYDS FORK NEAR CRESTWOOD, KY | flow 0.00 ft³/s · STALE | 36 km |
| OHIO RIVER AT MARKLAND DAM NEAR WARSAW, KY | flow 88,000 ft³/s · quality 100 % (4) · no flooding | 37 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 #
48 wells in 0 named aquifers:
Sites found: 48, 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-383403085352601 | depth 44.1 ft · 2026-06-24 | 22 km |
| USGS-384949085251901 | depth 8.60 ft · 2026-10-18 | 24 km |
| USGS-382305085381701 | depth 38.8 ft · 2026-06-24 | 36 km |
| USGS-382156085382401 | depth 34.4 ft · 2026-10-18 | 38 km |
| USGS-382105085375101 | depth 27.2 ft · 2026-05-17 | 39 km |
| USGS-382102085380701 | depth 13.4 ft · 2011-01-25 | 39 km |
| USGS-382054085380602 | depth 30.1 ft · 2026-08-09 | 39 km |
| USGS-382039085375201 | depth 47.9 ft · 2013-07-21 | 39 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.01 / 0.55
Banks & federal dollars #
$160.4 m in deposits at 2 offices of 2 banks (SOD June 2026); HHI 5,522, highly concentrated. $52.0 m federal obligations in FY2026 (direct payments $52.0 m, loans $29,864), $50,064 per covered job
| Item | Value | Distance |
|---|---|---|
| The Farmers Bank of Milton | $106.1 m · 66.2% share · 1 office | |
| Bedford Loan & Deposit Bank | $54.3 m · 33.8% share · 1 office | |
| Trimble, KY | $52.0 m FY2026 · $50,064/job | |
| MULTIPLE RECIPIENTS | $51.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Farmers Bank of Milton | $106,136,000 | 66.2% | 1 |
| Bedford Loan & Deposit Bank | $54,293,000 | 33.8% | 1 |
Deposit concentration is 5,522 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 66.2² + 33.8² = 5,522
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 | $46,780,579 |
| Department of Veterans Affairs | $4,686,934 |
| Department of Agriculture | $341,865 |
| Railroad Retirement Board | $167,484 |
| Small Business Administration | $27,469 |
| Department of Transportation | $9,000 |
| Federal Communications Commission | $2,808 |
| Department of Housing and Urban Development | $102 |
That is $50,064 per covered job, against 1,039 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $52.0 m / 1,039 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $50,064
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 #
Trimble County, KY: 8 findings, 1 at a watch level and 7 noted
watchTrimble County, KY's typical home value of +0.8% scores 28 on the 0-to-100 scale across US counties but 70 across Kentucky counties, a gap of 42 points.
Period 2026-09.Show the arithmetic
- 42 = |28 across US counties - 70 across Kentucky counties|
position among the entities that published this metric this period; not an official level
noteTrimble County, KY's average weekly wage was 5.2% 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
- +5.2 % = 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
noteTrimble 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
noteTrimble County, KY's covered employment of 1,039 ranks 114th of 120 Kentucky counties, against a median of 5,237.
Period 2026 Q1.Show the arithmetic
- 5 on the 0-to-100 scale across 120 Kentucky counties that published jobs.emp
position among the entities that published this metric this period; not an official level
noteTrimble County, KY's average weekly wage of $1,325 ranks 8th of 120 Kentucky counties, against a median of $953.
Period 2026 Q1.Show the arithmetic
- 94 on the 0-to-100 scale across 120 Kentucky counties that published jobs.avgWeeklyWage
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.