St. Joseph County, IN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.62, -86.29.
Assembled 2026-10-19. Read the brief.
- 50th pct · 1,531st of 3,063 US counties · median $230,451
- 50th pct · 46th of 92 Indiana counties · median $230,095
- counties in the South Bend-Mishawaka metro: Rank context is unavailable: the manifest lists 2 counties in the South Bend-Mishawaka metro; fewer than 5 is too few to rank.
- 84th pct · 466th of 3,062 US counties · median +2.9%
- 82nd pct · 17th of 92 Indiana counties · median +4.2%
- counties in the South Bend-Mishawaka metro: Rank context is unavailable: the manifest lists 2 counties in the South Bend-Mishawaka metro; fewer than 5 is too few to rank.
- 25th pct · 1,007th of 1,358 US counties · median $1,506
- 55th pct · 20th of 44 Indiana counties · median $1,207
- counties in the South Bend-Mishawaka metro: Rank context is unavailable: the manifest lists 2 counties in the South Bend-Mishawaka metro; fewer than 5 is too few to rank.
- 91st pct · 263rd of 3,221 US counties · median 8,232
- 94th pct · 6th of 92 Indiana counties · median 12,958
- counties in the South Bend-Mishawaka metro: Rank context is unavailable: the manifest lists 2 counties in the South Bend-Mishawaka metro; fewer than 5 is too few to rank.
- 79th pct · 666th of 3,221 US counties · median $1,039
- 79th pct · 20th of 92 Indiana counties · median $1,045
- counties in the South Bend-Mishawaka metro: Rank context is unavailable: the manifest lists 2 counties in the South Bend-Mishawaka metro; fewer than 5 is too few to rank.
- 35th pct · 1,973rd of 3,063 US counties · median 4.2
- 26th pct · 68th of 92 Indiana counties · median 4.1
- counties in the South Bend-Mishawaka metro: Rank context is unavailable: the manifest lists 2 counties in the South Bend-Mishawaka 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 $230,569 (Sep 2026), +6.5% over one year, +40.5% over five
- 50th pct · 1,531st of 3,063 US counties · median $230,451
- 50th pct · 46th of 92 Indiana counties · median $230,095
- counties in the South Bend-Mishawaka metro: Rank context is unavailable: the manifest lists 2 counties in the South Bend-Mishawaka metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| St. Joseph County, IN | $230,569 · +6.5% 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 #
Typical rent $1,258/mo (Sep 2026), +1.6% over one year; price-to-rent 15.3
- 25th pct · 1,007th of 1,358 US counties · median $1,506
- 55th pct · 20th of 44 Indiana counties · median $1,207
- counties in the South Bend-Mishawaka metro: Rank context is unavailable: the manifest lists 2 counties in the South Bend-Mishawaka metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| St. Joseph County, IN | $1,258/mo · +1.6% 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 $1,277 a month on $230,569 at 7.40%, against an average weekly wage worth $5,343 a month: 23.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $230,569 × 80% = $184,455, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,277/mo principal and interest
- wage share = payment / (avg weekly wage $1,233 × 52 / 12 = $5,343) = 24% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $230,569 / ($1,233 × 52) = 3.6
- price-to-rent = $230,569 / ($1,258 × 12) = 15.3
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 #
121,324 jobs at 6,801 employers (2026 Q1); +0.5% jobs and +3.9% average weekly wage over the year
- 91st pct · 263rd of 3,221 US counties · median 8,232
- 94th pct · 6th of 92 Indiana counties · median 12,958
- counties in the South Bend-Mishawaka metro: Rank context is unavailable: the manifest lists 2 counties in the South Bend-Mishawaka metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| St. Joseph County, IN | 121,324 jobs · $1,233/wk · +0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 23,100 | $1,271 | 1.27 | -0.4% |
| Manufacturing | 12,632 | $1,388 | 1.29 | -1.4% |
| Retail trade | 12,448 | $736 | 1.05 | -3.1% |
| Accommodation and food services | 10,816 | $466 | 0.99 | -0.2% |
| Educational services | 9,120 | $1,809 | 3.49 | -2.8% |
| Construction | 6,550 | $1,643 | 1.03 | +12.9% |
| Wholesale trade | 5,228 | $1,661 | 1.13 | -4.0% |
| Professional and technical services | 4,921 | $1,656 | 0.59 | -2.9% |
| Administrative and waste services | 4,915 | $912 | 0.71 | +2.4% |
| Other services | 4,158 | $931 | 1.15 | +2.6% |
| Finance and insurance | 3,423 | $2,264 | 0.69 | -0.8% |
| Arts, entertainment and recreation | 2,405 | $744 | 1.20 | -3.6% |
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 #
$5.8 bn in deposits at 58 offices of 15 banks (SOD June 2026); HHI 3,236, highly concentrated. $1.8 bn federal obligations in FY2026 (direct payments $1.5 bn, contracts $161.5 m), $14,629 per covered job
| Item | Value | Distance |
|---|---|---|
| 1st Source Bank | $3.2 bn · 54.5% share · 23 offices | |
| PNC Bank, National Association | $490.4 m · 8.5% share · 4 offices | |
| Lake City Bank | $476.9 m · 8.2% share · 4 offices | |
| St. Joseph, IN | $1.8 bn FY2026 · $14,629/job | |
| MULTIPLE RECIPIENTS | $1.4 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| 1st Source Bank | $3,152,694,000 | 54.5% | 23 |
| PNC Bank, National Association | $490,447,000 | 8.5% | 4 |
| Lake City Bank | $476,864,000 | 8.2% | 4 |
| JPMorgan Chase Bank, National Association | $444,952,000 | 7.7% | 2 |
| KeyBank National Association | $265,293,000 | 4.6% | 4 |
| Centier Bank | $209,467,000 | 3.6% | 4 |
| Fifth Third Bank, National Association | $191,451,000 | 3.3% | 2 |
| Northwest Bank | $170,271,000 | 2.9% | 3 |
| Old National Bank | $165,155,000 | 2.9% | 3 |
| Flagstar Bank, National Association | $124,262,000 | 2.1% | 3 |
Deposit concentration is 3,236 across 14 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 14 banks with deposits in the county = 54.5² + 8.5² + 8.2² + … (11 more) = 3,236
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 | $1,271,578,724 |
| Department of Defense | $164,131,866 |
| Department of Veterans Affairs | $107,636,955 |
| Department of Transportation | $55,809,014 |
| Department of Housing and Urban Development | $44,799,496 |
| Department of Health and Human Services | $43,611,428 |
| Department of Education | $40,239,722 |
| National Science Foundation | $22,102,900 |
| Department of Energy | $9,128,716 |
| Railroad Retirement Board | $6,233,745 |
| Federal Communications Commission | $3,238,594 |
| Department of Agriculture | $2,716,025 |
That is $14,629 per covered job, against 121,324 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.8 bn / 121,324 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,629
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 #
St. Joseph County, IN: 8 findings, 8 noted
noteSt. Joseph County, IN's average weekly wage was 3.9% 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
- +3.9 % = 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
noteSt. Joseph County, IN's covered employment was 0.5% 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
- +0.5 % = 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
noteSt. Joseph County, IN's typical home value rose 0.5% from $229,518 in August 2026 to $230,569 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.5% = (230568.7421280452 - 229517.98069388876) / 229517.98069388876 × 100
- 230568.7421280452 = Zillow ZHVI, 2026-09
- 229517.98069388876 = Zillow ZHVI, 2026-08
noteSt. Joseph County, IN's covered employment of 121,324 ranks 6th of 92 Indiana counties, against a median of 12,958.
Period 2026 Q1.Show the arithmetic
- 95 on the 0-to-100 scale across 92 Indiana counties that published jobs.emp
position among the entities that published this metric this period; not an official level
noteSt. Joseph County, IN's covered employment of 121,324 ranks 263rd of 3,221 US counties, against a median of 8,232.
Period 2026 Q1.Show the arithmetic
- 92 on the 0-to-100 scale across 3221 US counties that published jobs.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.