Daviess County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.73, -87.09.
Assembled 2026-10-19. Read the brief.
- 45th pct · 1,677th of 3,063 US counties · median $230,451
- 70th pct · 36th of 120 Kentucky counties · median $179,218
- counties in the Owensboro metro: Rank context is unavailable: the manifest lists 2 counties in the Owensboro metro; fewer than 5 is too few to rank.
- 63rd pct · 1,106th of 3,062 US counties · median +2.9%
- 93rd pct · 9th of 120 Kentucky counties · median -1.4%
- counties in the Owensboro metro: Rank context is unavailable: the manifest lists 2 counties in the Owensboro metro; fewer than 5 is too few to rank.
- 25th pct · 1,012th of 1,358 US counties · median $1,506
- 44th pct · 16th of 28 Kentucky counties · median $1,281
- counties in the Owensboro metro: Rank context is unavailable: the manifest lists 2 counties in the Owensboro metro; fewer than 5 is too few to rank.
- 83rd pct · 531st of 3,221 US counties · median 8,232
- 95th pct · 6th of 120 Kentucky counties · median 5,237
- counties in the Owensboro metro: Rank context is unavailable: the manifest lists 2 counties in the Owensboro metro; fewer than 5 is too few to rank.
- 62nd pct · 1,214th of 3,221 US counties · median $1,039
- 75th pct · 30th of 120 Kentucky counties · median $953
- counties in the Owensboro metro: Rank context is unavailable: the manifest lists 2 counties in the Owensboro metro; fewer than 5 is too few to rank.
- 41st pct · 1,786th of 3,063 US counties · median 4.2
- 64th pct · 43rd of 120 Kentucky counties · median 3.5
- counties in the Owensboro metro: Rank context is unavailable: the manifest lists 2 counties in the Owensboro 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 $219,193 (Sep 2026), +4.0% over one year, +30.6% over five
- 45th pct · 1,677th of 3,063 US counties · median $230,451
- 70th pct · 36th of 120 Kentucky counties · median $179,218
- counties in the Owensboro metro: Rank context is unavailable: the manifest lists 2 counties in the Owensboro metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Daviess County, KY | $219,193 · +4.0% 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 $1,252/mo (Sep 2026), +3.1% over one year; price-to-rent 14.6
- 25th pct · 1,012th of 1,358 US counties · median $1,506
- 44th pct · 16th of 28 Kentucky counties · median $1,281
- counties in the Owensboro metro: Rank context is unavailable: the manifest lists 2 counties in the Owensboro metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Daviess County, KY | $1,252/mo · +3.1% 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 $1,214 a month on $219,193 at 7.40%, against an average weekly wage worth $4,762 a month: 25.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $219,193 × 80% = $175,354, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,214/mo principal and interest
- wage share = payment / (avg weekly wage $1,099 × 52 / 12 = $4,762) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $219,193 / ($1,099 × 52) = 3.8
- price-to-rent = $219,193 / ($1,252 × 12) = 14.6
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 #
47,386 jobs at 3,704 employers (2026 Q1); -0.6% jobs and +3.9% average weekly wage over the year
- 83rd pct · 531st of 3,221 US counties · median 8,232
- 95th pct · 6th of 120 Kentucky counties · median 5,237
- counties in the Owensboro metro: Rank context is unavailable: the manifest lists 2 counties in the Owensboro metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Daviess County, KY | 47,386 jobs · $1,099/wk · -0.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 9,098 | $1,209 | 1.28 | -1.0% |
| Manufacturing | 7,253 | $1,400 | 1.90 | -3.8% |
| Retail trade | 5,464 | $684 | 1.18 | -1.2% |
| Accommodation and food services | 4,824 | $403 | 1.13 | +2.5% |
| Administrative and waste services | 2,492 | $763 | 0.93 | -2.4% |
| Construction | 2,231 | $1,123 | 0.90 | +0.0% |
| Finance and insurance | 2,129 | $1,885 | 1.10 | +5.8% |
| Transportation and warehousing | 1,878 | $1,809 | 0.94 | -5.2% |
| Wholesale trade | 1,706 | $1,662 | 0.94 | +0.3% |
| Professional and technical services | 1,180 | $1,370 | 0.36 | +2.8% |
| Other services | 1,053 | $712 | 0.74 | -4.4% |
| Educational services | 608 | $675 | 0.60 | +7.8% |
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.
Water #
Banks & federal dollars #
$3.0 bn in deposits at 27 offices of 12 banks (SOD June 2026); HHI 1,742, moderately concentrated. $686.1 m federal obligations in FY2026 (direct payments $637.8 m, grants $47.1 m), $14,479 per covered job
| Item | Value | Distance |
|---|---|---|
| Independence Bank of Kentucky | $1.0 bn · 34.3% share · 3 offices | |
| U.S. Bank National Association | $417.4 m · 13.8% share · 3 offices | |
| Truist Bank | $289.1 m · 9.5% share · 3 offices | |
| Daviess, KY | $686.1 m FY2026 · $14,479/job | |
| MULTIPLE RECIPIENTS | $600.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Independence Bank of Kentucky | $1,039,771,000 | 34.3% | 3 |
| U.S. Bank National Association | $417,426,000 | 13.8% | 3 |
| Truist Bank | $289,103,000 | 9.5% | 3 |
| South Central Bank, Inc. | $272,655,000 | 9.0% | 3 |
| JPMorgan Chase Bank, National Association | $265,815,000 | 8.8% | 2 |
| German American Bank | $240,522,000 | 7.9% | 3 |
| Old National Bank | $180,996,000 | 6.0% | 2 |
| Fifth Third Bank, National Association | $95,592,000 | 3.2% | 2 |
| PNC Bank, National Association | $85,187,000 | 2.8% | 1 |
| Peoples Bank | $62,554,000 | 2.1% | 2 |
Deposit concentration is 1,742 across 12 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 12 banks with deposits in the county = 34.3² + 13.8² + 9.5² + … (9 more) = 1,742
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 | $536,135,267 |
| Department of Veterans Affairs | $62,225,359 |
| Department of Health and Human Services | $28,132,797 |
| Department of Transportation | $23,193,849 |
| Department of Agriculture | $11,267,520 |
| Department of Housing and Urban Development | $9,767,389 |
| Department of Education | $9,292,406 |
| Federal Communications Commission | $2,544,190 |
| Railroad Retirement Board | $1,939,630 |
| Department of Justice | $716,769 |
| General Services Administration | $618,866 |
| Department of Homeland Security | $120,677 |
That is $14,479 per covered job, against 47,386 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $686.1 m / 47,386 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,479
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 #
Daviess County, KY: 9 findings, 1 at a watch level and 8 noted
watchDaviess County, KY's covered employment is -0.6% 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 = -0.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteDaviess County, KY'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
noteDaviess County, KY's typical asking rent rose 1.1% from $1,238 in August 2026 to $1,252 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +1.1% = (1252.107142857143 - 1238.2603900170095) / 1238.2603900170095 × 100
- 1252.107142857143 = Zillow ZORI, 2026-09
- 1238.2603900170095 = Zillow ZORI, 2026-08
noteDaviess County, KY's covered employment was 0.6% 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
- -0.6 % = 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
noteDaviess County, KY's covered employment of 47,386 ranks 6th of 120 Kentucky counties, against a median of 5,237.
Period 2026 Q1.Show the arithmetic
- 96 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
Read all 9 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.