Monroe County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.16, -86.52.
Assembled 2026-10-19. Read the brief.
- 71st pct · 859th of 3,063 US counties · median $230,451
- 89th pct · 11th of 92 Indiana counties · median $230,095
- counties in the Bloomington metro: Rank context is unavailable: the manifest lists 2 counties in the Bloomington metro; fewer than 5 is too few to rank.
- 31st pct · 2,100th of 3,062 US counties · median +2.9%
- 7th pct · 85th of 92 Indiana counties · median +4.2%
- counties in the Bloomington metro: Rank context is unavailable: the manifest lists 2 counties in the Bloomington metro; fewer than 5 is too few to rank.
- 68th pct · 422nd of 1,358 US counties · median $1,506
- 90th pct · 5th of 44 Indiana counties · median $1,207
- counties in the Bloomington metro: Rank context is unavailable: the manifest lists 2 counties in the Bloomington metro; fewer than 5 is too few to rank.
- 87th pct · 409th of 3,221 US counties · median 8,232
- 90th pct · 10th of 92 Indiana counties · median 12,958
- counties in the Bloomington metro: Rank context is unavailable: the manifest lists 2 counties in the Bloomington metro; fewer than 5 is too few to rank.
- 87th pct · 402nd of 3,221 US counties · median $1,039
- 90th pct · 10th of 92 Indiana counties · median $1,045
- counties in the Bloomington metro: Rank context is unavailable: the manifest lists 2 counties in the Bloomington metro; fewer than 5 is too few to rank.
- 54th pct · 1,405th of 3,063 US counties · median 4.2
- 61st pct · 36th of 92 Indiana counties · median 4.1
- counties in the Bloomington metro: Rank context is unavailable: the manifest lists 2 counties in the Bloomington metro; fewer than 5 is too few to rank.
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 $309,871 (Sep 2026), +1.2% over one year, +20.5% over five
- 71st pct · 859th of 3,063 US counties · median $230,451
- 89th pct · 11th of 92 Indiana counties · median $230,095
- counties in the Bloomington metro: Rank context is unavailable: the manifest lists 2 counties in the Bloomington metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Monroe County, IN | $309,871 · +1.2% 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 #
Typical rent $1,748/mo (Sep 2026), +2.0% over one year; price-to-rent 14.8
- 68th pct · 422nd of 1,358 US counties · median $1,506
- 90th pct · 5th of 44 Indiana counties · median $1,207
- counties in the Bloomington metro: Rank context is unavailable: the manifest lists 2 counties in the Bloomington metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Monroe County, IN | $1,748/mo · +2.0% 1-yr |
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 $1,716 a month on $309,871 at 7.40%, against an average weekly wage worth $5,841 a month: 29.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $309,871 × 80% = $247,897, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,716/mo principal and interest
- wage share = payment / (avg weekly wage $1,348 × 52 / 12 = $5,841) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $309,871 / ($1,348 × 52) = 4.4
- price-to-rent = $309,871 / ($1,748 × 12) = 14.8
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 #
67,401 jobs at 3,623 employers (2026 Q1); -0.7% jobs and +6.7% average weekly wage over the year
- 87th pct · 409th of 3,221 US counties · median 8,232
- 90th pct · 10th of 92 Indiana counties · median 12,958
- counties in the Bloomington metro: Rank context is unavailable: the manifest lists 2 counties in the Bloomington metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Monroe County, IN | 67,401 jobs · $1,348/wk · -0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 11,620 | $1,425 | 1.15 | +3.3% |
| Manufacturing | 8,275 | $1,562 | 1.53 | +3.5% |
| Accommodation and food services | 7,228 | $433 | 1.19 | -10.2% |
| Retail trade | 5,891 | $687 | 0.90 | -2.3% |
| Construction | 3,074 | $1,327 | 0.87 | +11.4% |
| Professional and technical services | 2,465 | $1,682 | 0.53 | +0.4% |
| Other services | 1,931 | $930 | 0.96 | -0.7% |
| Administrative and waste services | 1,881 | $813 | 0.49 | -0.5% |
| Wholesale trade | 1,724 | $1,871 | 0.67 | -4.9% |
| Finance and insurance | 1,299 | $1,715 | 0.47 | -3.1% |
| Real estate and rental | 1,083 | $1,042 | 1.05 | +5.6% |
| Information | 655 | $1,445 | 0.53 | -4.8% |
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 #
$3.5 bn in deposits at 35 offices of 14 banks (SOD June 2026); HHI 1,745, moderately concentrated. $823.0 m federal obligations in FY2026 (direct payments $678.7 m, grants $111.6 m), $12,210 per covered job
| Item | Value | Distance |
|---|---|---|
| JPMorgan Chase Bank, National Association | $950.5 m · 27.2% share · 4 offices | |
| Old National Bank | $842.3 m · 24.1% share · 5 offices | |
| First Financial Bank | $459.0 m · 13.2% share · 2 offices | |
| Monroe, IN | $823.0 m FY2026 · $12,210/job | |
| MULTIPLE RECIPIENTS | $611.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | $950,524,000 | 27.2% | 4 |
| Old National Bank | $842,313,000 | 24.1% | 5 |
| First Financial Bank | $459,043,000 | 13.2% | 2 |
| German American Bank | $363,439,000 | 10.4% | 3 |
| Fifth Third Bank, National Association | $275,082,000 | 7.9% | 3 |
| The Peoples State Bank | $269,692,000 | 7.7% | 5 |
| Regions Bank | $97,512,000 | 2.8% | 3 |
| Owen County State Bank | $65,028,000 | 1.9% | 2 |
| Merchants Bank of Indiana | $45,125,000 | 1.3% | 1 |
| Union Savings Bank | $41,094,000 | 1.2% | 1 |
Deposit concentration is 1,745 across 14 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 14 banks with deposits in the county = 27.2² + 24.1² + 13.2² + … (11 more) = 1,745
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 | $557,809,923 |
| Department of Health and Human Services | $60,320,425 |
| Department of Education | $52,425,993 |
| Department of Veterans Affairs | $51,779,471 |
| Department of Housing and Urban Development | $22,314,288 |
| Department of Defense | $18,276,823 |
| National Science Foundation | $17,438,947 |
| Department of Transportation | $15,356,923 |
| Department of Agriculture | $11,417,981 |
| Department of Homeland Security | $4,559,149 |
| Department of Energy | $2,824,679 |
| Institute of Museum and Library Services | $2,818,638 |
That is $12,210 per covered job, against 67,401 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $823.0 m / 67,401 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $12,210
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 #
Monroe County, IN: 11 findings, 1 at a watch level and 10 noted
watchMonroe County, IN's covered employment is -0.7% 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 = -0.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteMonroe County, IN's average weekly wage was 6.7% 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
- +6.7 % = 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
noteMonroe County, IN's typical asking rent rose 1.2% from $1,728 in August 2026 to $1,748 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +1.2% = (1748.3491236853467 - 1728.1879727156368) / 1728.1879727156368 × 100
- 1748.3491236853467 = Zillow ZORI, 2026-09
- 1728.1879727156368 = Zillow ZORI, 2026-08
noteMonroe County, IN's covered employment was 0.7% 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
- -0.7 % = 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
noteMonroe County, IN's typical home value of +1.2% ranks 85th of 92 Indiana counties, against a median of +4.2%.
Period 2026-09.Show the arithmetic
- 8 on the 0-to-100 scale across 92 Indiana counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
Read all 11 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.