Livingston County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.21, -88.36.
Assembled 2026-10-19. Read the brief.
- 19th pct · 2,473rd of 3,063 US counties · median $230,451
- 38th pct · 74th of 120 Kentucky counties · median $179,218
- 75th pct · 2nd of 5 counties in the Paducah metro · median $145,507
- 9th pct · 2,777th of 3,062 US counties · median +2.9%
- 45th pct · 66th of 120 Kentucky counties · median -1.4%
- 25th pct · 4th of 5 counties in the Paducah metro · median -1.2%
- US counties: not published this period
- Kentucky counties: not published this period
- counties in the Paducah metro: not published this period
- 27th pct · 2,330th of 3,221 US counties · median 8,232
- 38th pct · 74th of 120 Kentucky counties · median 5,237
- 75th pct · 2nd of 5 counties in the Paducah metro · median 2,869
- 83rd pct · 534th of 3,221 US counties · median $1,039
- 92nd pct · 10th of 120 Kentucky counties · median $953
- 100th pct · 1st of 5 counties in the Paducah metro · median $1,183
- 9th pct · 2,787th of 3,063 US counties · median 4.2
- 16th pct · 100th of 120 Kentucky counties · median 3.5
- 50th pct · 3rd of 5 counties in the Paducah metro · median 2.4
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 $156,725 (Sep 2026), -2.2% over one year, +29.5% over five
- 19th pct · 2,473rd of 3,063 US counties · median $230,451
- 38th pct · 74th of 120 Kentucky counties · median $179,218
- 75th pct · 2nd of 5 counties in the Paducah metro · median $145,507
| Item | Value | Distance |
|---|---|---|
| Livingston County, KY | $156,725 · -2.2% 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 Paducah 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 $868 a month on $156,725 at 7.40%, against an average weekly wage worth $5,547 a month: 15.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $156,725 × 80% = $125,380, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $868/mo principal and interest
- wage share = payment / (avg weekly wage $1,280 × 52 / 12 = $5,547) = 16% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $156,725 / ($1,280 × 52) = 2.4
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 #
3,409 jobs at 260 employers (2026 Q1); +0.9% jobs and +9.3% average weekly wage over the year
- 27th pct · 2,330th of 3,221 US counties · median 8,232
- 38th pct · 74th of 120 Kentucky counties · median 5,237
- 75th pct · 2nd of 5 counties in the Paducah metro · median 2,869
| Item | Value | Distance |
|---|---|---|
| Livingston County, KY | 3,409 jobs · $1,280/wk · +0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Construction | 765 | $1,679 | 4.28 | +8.2% |
| Mining, oil and gas | 440 | $1,962 | 36.25 | -7.0% |
| Health care and social assistance | 344 | $1,133 | 0.67 | +7.2% |
| Transportation and warehousing | 203 | $1,849 | 1.41 | +6.8% |
| Retail trade | 198 | $452 | 0.60 | +2.1% |
| Administrative and waste services | 157 | $1,283 | 0.81 | -15.6% |
| Wholesale trade | 107 | $1,423 | 0.82 | +4.9% |
| Manufacturing | 106 | $1,316 | 0.39 | +7.1% |
| Other services | 42 | $706 | 0.41 | -14.3% |
| Agriculture, forestry, fishing | 35 | $739 | 1.42 | +16.7% |
| Real estate and rental | 22 | $800 | 0.42 | +0.0% |
| Unclassified | 19 | $1,003 | 2.62 | +11.8% |
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 #
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 #
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 #
$77.9 m in deposits at 2 offices of 2 banks (SOD June 2026); HHI 7,083, highly concentrated. $85.0 m federal obligations in FY2026 (direct payments $68.8 m, contracts $17.0 m), $24,941 per covered job
| Item | Value | Distance |
|---|---|---|
| Farmers Bank and Trust Company | $64.1 m · 82.3% share · 1 office | |
| First Kentucky Bank, Inc. | $13.8 m · 17.7% share · 1 office | |
| Livingston, KY | $85.0 m FY2026 · $24,941/job | |
| MULTIPLE RECIPIENTS | $66.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Farmers Bank and Trust Company | $64,121,000 | 82.3% | 1 |
| First Kentucky Bank, Inc. | $13,820,000 | 17.7% | 1 |
Deposit concentration is 7,083 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 82.3² + 17.7² = 7,083
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 | $59,802,945 |
| Department of Defense | $11,420,767 |
| Department of Veterans Affairs | $6,047,691 |
| Department of Agriculture | $5,838,636 |
| Department of the Interior | $1,623,462 |
| Railroad Retirement Board | $811,275 |
| General Services Administration | $169,480 |
| Federal Communications Commission | $75,123 |
| Department of Health and Human Services | $40,000 |
| Small Business Administration | $0 |
| Department of Transportation | -$806,465 |
That is $24,941 per covered job, against 3,409 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $85.0 m / 3,409 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $24,941
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 #
Livingston County, KY: 13 findings, 2 at a watch level and 11 noted
watchLivingston County, KY's typical home value is -2.2% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-09.Show the arithmetic
- test: home.yoyPct = -2.1646277390529756 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchLivingston County, KY's typical home value of -2.2% scores 9 on the 0-to-100 scale across US counties but 45 across Kentucky counties, a gap of 36 points.
Period 2026-09.Show the arithmetic
- 36 = |9 across US counties - 45 across Kentucky counties|
position among the entities that published this metric this period; not an official level
noteLivingston County, KY's average weekly wage was 9.3% 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
- +9.3 % = 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
noteLivingston County, KY's typical home value rose 1.4% from $154,494 in August 2026 to $156,725 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +1.4% = (156725.0990791672 - 154494.02120416274) / 154494.02120416274 × 100
- 156725.0990791672 = Zillow ZHVI, 2026-09
- 154494.02120416274 = Zillow ZHVI, 2026-08
noteLivingston 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
Read all 12 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.