Bath County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.15, -83.74.
Assembled 2026-10-19. Read the brief.
- 33rd pct · 2,048th of 3,063 US counties · median $230,451
- 56th pct · 53rd of 120 Kentucky counties · median $179,218
- 49th pct · 1,549th of 3,062 US counties · median +2.9%
- 86th pct · 17th of 120 Kentucky counties · median -1.4%
- US counties: not published this period
- Kentucky counties: not published this period
- 16th pct · 2,700th of 3,221 US counties · median 8,232
- 17th pct · 99th of 120 Kentucky counties · median 5,237
- 18th pct · 2,613th of 3,221 US counties · median $1,039
- 30th pct · 84th of 120 Kentucky counties · median $953
- 46th pct · 1,651st of 3,063 US counties · median 4.2
- 68th pct · 39th 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 $187,830 (Sep 2026), +2.8% over one year, +40.6% over five
- 33rd pct · 2,048th of 3,063 US counties · median $230,451
- 56th pct · 53rd of 120 Kentucky counties · median $179,218
| Item | Value | Distance |
|---|---|---|
| Bath County, KY | $187,830 · +2.8% 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 $1,040 a month on $187,830 at 7.40%, against an average weekly wage worth $3,896 a month: 26.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $187,830 × 80% = $150,264, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,040/mo principal and interest
- wage share = payment / (avg weekly wage $899 × 52 / 12 = $3,896) = 27% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $187,830 / ($899 × 52) = 4.0
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 #
1,995 jobs at 324 employers (2026 Q1); +0.9% jobs and +4.1% average weekly wage over the year
- 16th pct · 2,700th of 3,221 US counties · median 8,232
- 17th pct · 99th of 120 Kentucky counties · median 5,237
| Item | Value | Distance |
|---|---|---|
| Bath County, KY | 1,995 jobs · $899/wk · +0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Construction | 229 | $1,094 | 2.19 | -12.3% |
| Retail trade | 171 | $469 | 0.88 | +4.3% |
| Administrative and waste services | 156 | $1,261 | 1.38 | +25.8% |
| Finance and insurance | 76 | $1,123 | 0.93 | -1.3% |
| Wholesale trade | 32 | $1,078 | 0.42 | -11.1% |
| Other services | 26 | $527 | 0.44 | +0.0% |
| Real estate and rental | 3 | $174 | 0.10 | -25.0% |
| Agriculture, forestry, fishing | withheld | |||
| Utilities | withheld | |||
| Manufacturing | withheld | |||
| Transportation and warehousing | withheld | |||
| Information | 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 #
60 gauges · 0 flooding · 9 with quality panels averaging 97 % · 16 stale
Sites found: 60, 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-380717083365701 | stage 3.20 ft · STALE | 11 km |
| LICKING RIVER AT HWY 60 AT FARMERS, KY | stage 2.63 ft | 16 km |
| SLATE CREEK AT HIGHWAY 713 NR MT. STERLING, KY | flow 17.0 ft³/s | 16 km |
| ROCK LICK CR AT STATE HWY 158 NR SHARKEY, KY STA D | flow 0.13 ft³/s · quality 100 % (2) | 17 km |
| LICKING RIVER AT FARMERS, KY | flow 800.0 ft³/s · quality 100 % (1) | 17 km |
| ROCK LICK CR AB UNNAMED TRIB NR SHARKEY, KY STAT A | flow 0.15 ft³/s · observation not current · STALE | 19 km |
| NORTH FORK TRIPLETT CREEK NEAR MOREHEAD, KY | flow 18.5 ft³/s | 23 km |
| TRIPLETT CREEK AT MOREHEAD, KY | flow 27.0 ft³/s · STALE | 27 km |
| HINKSTON CREEK NEAR CARLISLE, KY | flow 9.65 ft³/s | 30 km |
| CAT CREEK NEAR STANTON, KY | flow 42.0 ft³/s · STALE | 36 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 #
15 wells in 0 named aquifers:
Sites found: 15, 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-381532083342501 | depth 14.4 ft · 2009-07-06 | 19 km |
| USGS-381524083341601 | depth 13.1 ft · 2009-07-06 | 19 km |
| USGS-381537083342201 | depth 6.38 ft · 2009-07-06 | 19 km |
| USGS-381538083342005 | depth 14.1 ft · 2009-07-06 | 19 km |
| USGS-381538083342004 | depth 19.7 ft · 2009-07-06 | 19 km |
| USGS-381538083342002 | depth 14.3 ft · 2009-07-06 | 19 km |
| USGS-381539083342001 | depth 11.9 ft · 2009-07-06 | 19 km |
| USGS-381539083341902 | depth 10.7 ft · 2009-07-06 | 19 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 (0.01)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.03 / 0.55
Banks & federal dollars #
$196.7 m in deposits at 6 offices of 3 banks (SOD June 2026); HHI 3,614, highly concentrated. $81.2 m federal obligations in FY2026 (direct payments $71.3 m, grants $9.4 m), $40,713 per covered job
| Item | Value | Distance |
|---|---|---|
| Owingsville Banking Company | $92.3 m · 46.9% share · 3 offices | |
| The Citizens Bank | $54.6 m · 27.8% share · 2 offices | |
| Peoples Bank of Kentucky, Inc. | $49.8 m · 25.3% share · 1 office | |
| Bath, KY | $81.2 m FY2026 · $40,713/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Owingsville Banking Company | $92,296,000 | 46.9% | 3 |
| The Citizens Bank | $54,601,000 | 27.8% | 2 |
| Peoples Bank of Kentucky, Inc. | $49,773,000 | 25.3% | 1 |
Deposit concentration is 3,614 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 46.9² + 27.8² + 25.3² = 3,614
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 $40,713 per covered job, against 1,995 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $81.2 m / 1,995 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $40,713
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 #
Bath County, KY: 6 findings, 1 at a watch level and 5 noted
watchBath County, KY's typical home value of +2.8% scores 49 on the 0-to-100 scale across US counties but 87 across Kentucky counties, a gap of 37 points.
Period 2026-09.Show the arithmetic
- 37 = |49 across US counties - 87 across Kentucky counties|
position among the entities that published this metric this period; not an official level
noteBath County, KY's average weekly wage was 4.1% 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
- +4.1 % = 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
noteBath County, KY's covered employment was 0.9% 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
- +0.9 % = 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
noteBath County, KY's typical home value rose 0.7% from $186,450 in August 2026 to $187,830 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.7% = (187829.557614923 - 186449.77933411606) / 186449.77933411606 × 100
- 187829.557614923 = Zillow ZHVI, 2026-09
- 186449.77933411606 = Zillow ZHVI, 2026-08
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Bath County, KY is due between 2026-10-30 and 2026-11-13, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-30 to 2026-11-13, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Read all 6 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.