Greenup County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.56, -82.93.
Assembled 2026-10-20. Read the brief.
- 20th pct · 2,446th of 3,063 US counties · median $230,451
- 40th pct · 72nd of 120 Kentucky counties · median $179,218
- 71st pct · 3rd of 8 counties in the Huntington-Ashland metro · median $151,355
- 31st pct · 2,099th of 3,062 US counties · median +2.9%
- 72nd pct · 34th of 120 Kentucky counties · median -1.4%
- 42nd pct · 5th of 8 counties in the Huntington-Ashland metro · median +1.9%
- US counties: not published this period
- Kentucky counties: not published this period
- counties in the Huntington-Ashland metro: not published this period
- 46th pct · 1,738th of 3,221 US counties · median 8,232
- 59th pct · 49th of 120 Kentucky counties · median 5,237
- 28th pct · 6th of 8 counties in the Huntington-Ashland metro · median 11,177
- 24th pct · 2,441st of 3,221 US counties · median $1,039
- 41st pct · 71st of 120 Kentucky counties · median $953
- 28th pct · 6th of 8 counties in the Huntington-Ashland metro · median $1,051
- 28th pct · 2,186th of 3,063 US counties · median 4.2
- 41st pct · 71st of 120 Kentucky counties · median 3.5
- 71st pct · 3rd of 8 counties in the Huntington-Ashland metro · median 3.1
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 $158,959 (Sep 2026), +1.2% over one year, +23.6% over five
- 20th pct · 2,446th of 3,063 US counties · median $230,451
- 40th pct · 72nd of 120 Kentucky counties · median $179,218
- 71st pct · 3rd of 8 counties in the Huntington-Ashland metro · median $151,355
| Item | Value | Distance |
|---|---|---|
| Greenup County, KY | $158,959 · +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 #
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
- counties in the Huntington-Ashland metro: 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 $880 a month on $158,959 at 7.40%, against an average weekly wage worth $4,008 a month: 22.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $158,959 × 80% = $127,167, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $880/mo principal and interest
- wage share = payment / (avg weekly wage $925 × 52 / 12 = $4,008) = 22% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $158,959 / ($925 × 52) = 3.3
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 #
7,045 jobs at 831 employers (2026 Q1); +0.6% jobs and +0.1% average weekly wage over the year
- 46th pct · 1,738th of 3,221 US counties · median 8,232
- 59th pct · 49th of 120 Kentucky counties · median 5,237
- 28th pct · 6th of 8 counties in the Huntington-Ashland metro · median 11,177
| Item | Value | Distance |
|---|---|---|
| Greenup County, KY | 7,045 jobs · $925/wk · +0.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 1,262 | $1,000 | 1.19 | +2.3% |
| Retail trade | 1,082 | $587 | 1.58 | +7.4% |
| Manufacturing | 809 | $1,370 | 1.43 | +0.5% |
| Accommodation and food services | 600 | $354 | 0.95 | +2.0% |
| Other services | 320 | $806 | 1.52 | -4.2% |
| Professional and technical services | 250 | $934 | 0.51 | +1.2% |
| Finance and insurance | 206 | $1,317 | 0.72 | -11.2% |
| Administrative and waste services | 203 | $1,154 | 0.51 | -24.8% |
| Transportation and warehousing | 161 | $1,719 | 0.54 | -13.9% |
| Arts, entertainment and recreation | 61 | $449 | 0.53 | +10.9% |
| Educational services | 28 | $840 | 0.18 | -20.0% |
| Real estate and rental | 14 | $918 | 0.13 | +27.3% |
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 #
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 #
45 gauges · 0 flooding · 4 with quality panels averaging 100 % · 11 stale
Sites found: 45, 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 |
|---|---|---|
| TYGARTS CREEK NEAR GREENUP, KY | flow 20.8 ft³/s · no flooding | 2 km |
| OHIO RIVER AT GREENUP DAM NEAR GREENUP, KY | flow 57,900 ft³/s · no flooding | 11 km |
| OHIO RIVER AT PORTSMOUTH, OH | stage 17.7 ft · no flooding | 19 km |
| OHIO RIVER AT IRONTON, OH | flow 51,800 ft³/s · quality 100 % (5) · no flooding | 22 km |
| KINNICONICK CREEK BELOW TRACE CREEK AT TANNERY, KY | flow 0.58 ft³/s · STALE | 25 km |
| KINNICONICK CREEK NEAR TANNERY, KY | flow 24.0 ft³/s · STALE | 25 km |
| LITTLE SANDY RIVER AT GRAYSON, KY | flow 53.2 ft³/s | 26 km |
| Upper Twin Creek at McGaw OH | flow 1.59 ft³/s | 26 km |
| Little Sandy River at Grayson | no flooding | 26 km |
| OHIO RIVER AT ASHLAND, KY | stage 34.9 ft | 27 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 #
35 wells in 2 named aquifers: Sand and gravel aquifers (glaciated regions), Alluvial aquifers
Sites found: 35, 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-384451082561900 | depth 48.0 ft · 1980-09-25 | 20 km |
| USGS-382205082304501 | depth 36.0 ft · 2026-10-19 | 43 km |
| Sand and gravel aquifers (glaciated regions) | depth 38.6 ft · 2024-09-29 | 44 km |
| USGS-390156083014320 | depth 17.3 ft · 1992-12-21 | 53 km |
| USGS-390156083022820 | depth 15.4 ft · 1992-12-21 | 53 km |
| USGS-390156083022830 | depth 21.5 ft · 1992-12-21 | 53 km |
| USGS-390207083024030 | depth 22.7 ft · 1992-12-21 | 53 km |
| USGS-390207083024020 | depth 22.8 ft · 1992-12-21 | 53 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 + 0.2×0.00 / 0.55
Banks & federal dollars #
$461.1 m in deposits at 11 offices of 4 banks (SOD June 2026); HHI 3,030, highly concentrated. $257.1 m federal obligations in FY2026 (direct payments $253.7 m, grants $2.7 m), $36,495 per covered job
| Item | Value | Distance |
|---|---|---|
| First & Peoples Bank and Trust Company | $190.6 m · 41.3% share · 4 offices | |
| City National Bank of West Virginia | $139.1 m · 30.2% share · 4 offices | |
| Peoples Bank | $73.8 m · 16.0% share · 2 offices | |
| Greenup, KY | $257.1 m FY2026 · $36,495/job | |
| MULTIPLE RECIPIENTS | $246.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First & Peoples Bank and Trust Company | $190,563,000 | 41.3% | 4 |
| City National Bank of West Virginia | $139,099,000 | 30.2% | 4 |
| Peoples Bank | $73,842,000 | 16.0% | 2 |
| Community Trust Bank, Inc. | $57,615,000 | 12.5% | 1 |
Deposit concentration is 3,030 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 41.3² + 30.2² + 16.0² + … (1 more) = 3,030
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 | $196,353,930 |
| Railroad Retirement Board | $25,601,699 |
| Department of Veterans Affairs | $24,595,041 |
| Department of Housing and Urban Development | $5,656,685 |
| Department of Transportation | $2,622,973 |
| Department of Agriculture | $961,748 |
| Federal Communications Commission | $606,111 |
| Department of Justice | $476,246 |
| General Services Administration | $229,267 |
| Department of Defense | $1,443 |
| Department of Energy | $0 |
| Department of the Interior | -$722 |
That is $36,495 per covered job, against 7,045 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $257.1 m / 7,045 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $36,495
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 | 17.40 | 2026-10-19 | -3.1% |
| 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 | 2026-10-20 | +0.0% |
| Laredo truck crossings, monthly · trucks | 255,129.00 | 2026-09-01 | -1.4% |
| 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 | 1,221.00 | 2026-09-01 | -5.2% |
| Building permits, annual rate · thousands of units | 1,400.00 | 2026-09-01 | -0.2% |
| 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 #
Greenup County, KY: 5 findings, 1 at a watch level and 4 noted
watchGreenup County, KY's typical home value of +1.2% scores 31 on the 0-to-100 scale across US counties but 72 across Kentucky counties, a gap of 41 points.
Period 2026-09.Show the arithmetic
- 41 = |31 across US counties - 72 across Kentucky counties|
position among the entities that published this metric this period; not an official level
noteGreenup County, KY's covered employment was 0.6% 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
- +0.6 % = 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
noteGreenup County, KY's average weekly wage was 0.1% 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
- +0.1 % = 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
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Greenup 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
noteThe next Zillow ZHVI typical home value (monthly) covering Greenup County, KY is due between 2026-11-14 and 2026-11-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-11-14 to 2026-11-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.