Madison County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.73, -84.28.
Assembled 2026-10-19. Read the brief.
- 66th pct · 1,034th of 3,063 US counties · median $230,451
- 89th pct · 13th of 120 Kentucky counties · median $179,218
- 31st pct · 2,104th of 3,062 US counties · median +2.9%
- 71st pct · 35th of 120 Kentucky counties · median -1.4%
- 11th pct · 1,197th of 1,358 US counties · median $1,506
- 22nd pct · 22nd of 28 Kentucky counties · median $1,281
- 79th pct · 647th of 3,221 US counties · median 8,232
- 93rd pct · 9th of 120 Kentucky counties · median 5,237
- 48th pct · 1,665th of 3,221 US counties · median $1,039
- 62nd pct · 45th of 120 Kentucky counties · median $953
- 69th pct · 932nd of 3,063 US counties · median 4.2
- 91st pct · 11th 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 $283,215 (Sep 2026), +1.2% over one year, +26.1% over five
- 66th pct · 1,034th of 3,063 US counties · median $230,451
- 89th pct · 13th of 120 Kentucky counties · median $179,218
| Item | Value | Distance |
|---|---|---|
| Madison County, KY | $283,215 · +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 #
Typical rent $1,069/mo (Sep 2026), +1.9% over one year; price-to-rent 22.1
- 11th pct · 1,197th of 1,358 US counties · median $1,506
- 22nd pct · 22nd of 28 Kentucky counties · median $1,281
| Item | Value | Distance |
|---|---|---|
| Madison County, KY | $1,069/mo · +1.9% 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 $1,569 a month on $283,215 at 7.40%, against an average weekly wage worth $4,472 a month: 35.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $283,215 × 80% = $226,572, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,569/mo principal and interest
- wage share = payment / (avg weekly wage $1,032 × 52 / 12 = $4,472) = 35% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $283,215 / ($1,032 × 52) = 5.3
- price-to-rent = $283,215 / ($1,069 × 12) = 22.1
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 #
36,121 jobs at 3,246 employers (2026 Q1); -2.8% jobs and +0.8% average weekly wage over the year
- 79th pct · 647th of 3,221 US counties · median 8,232
- 93rd pct · 9th of 120 Kentucky counties · median 5,237
| Item | Value | Distance |
|---|---|---|
| Madison County, KY | 36,121 jobs · $1,032/wk · -2.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 5,080 | $696 | 1.44 | +3.6% |
| Health care and social assistance | 4,850 | $943 | 0.89 | +1.6% |
| Manufacturing | 4,527 | $1,527 | 1.56 | -5.6% |
| Accommodation and food services | 4,223 | $400 | 1.30 | +3.4% |
| Professional and technical services | 1,743 | $2,037 | 0.70 | -23.3% |
| Administrative and waste services | 1,575 | $907 | 0.77 | -12.5% |
| Other services | 1,199 | $787 | 1.11 | -5.7% |
| Educational services | 880 | $1,143 | 1.13 | -0.2% |
| Wholesale trade | 707 | $1,058 | 0.51 | +2.8% |
| Finance and insurance | 533 | $1,338 | 0.36 | +1.1% |
| Transportation and warehousing | 486 | $1,522 | 0.32 | +3.4% |
| Real estate and rental | 468 | $1,200 | 0.85 | +0.9% |
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 #
$2.0 bn in deposits at 35 offices of 17 banks (SOD June 2026); HHI 997, unconcentrated. $719.9 m federal obligations in FY2026 (direct payments $589.8 m, grants $84.5 m), $19,929 per covered job
| Item | Value | Distance |
|---|---|---|
| Whitaker Bank | $374.0 m · 18.8% share · 9 offices | |
| JPMorgan Chase Bank, National Association | $211.1 m · 10.6% share · 1 office | |
| Stock Yards Bank & Trust Company | $199.5 m · 10.0% share · 2 offices | |
| Madison, KY | $719.9 m FY2026 · $19,929/job | |
| MULTIPLE RECIPIENTS | $530.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Whitaker Bank | $373,992,000 | 18.8% | 9 |
| JPMorgan Chase Bank, National Association | $211,123,000 | 10.6% | 1 |
| Stock Yards Bank & Trust Company | $199,529,000 | 10.0% | 2 |
| Cumberland Valley National Bank & Trust Company | $193,333,000 | 9.7% | 3 |
| Community Trust Bank, Inc. | $191,030,000 | 9.6% | 3 |
| U.S. Bank National Association | $179,999,000 | 9.0% | 2 |
| Central Bank & Trust Co. | $152,290,000 | 7.6% | 3 |
| PNC Bank, National Association | $119,726,000 | 6.0% | 1 |
| Fifth Third Bank, National Association | $99,421,000 | 5.0% | 1 |
| 1st Trust Bank, Inc. | $85,575,000 | 4.3% | 1 |
Deposit concentration is 997 across 17 banks, which the 1995 Department of Justice bank merger screen calls unconcentrated.
HHI = Σ (share %)² over 17 banks with deposits in the county = 18.8² + 10.6² + 10.0² + … (14 more) = 997
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 | $431,250,370 |
| Department of Education | $133,507,869 |
| Department of Veterans Affairs | $82,572,547 |
| Department of Defense | $43,161,485 |
| Department of Health and Human Services | $12,296,596 |
| Department of Housing and Urban Development | $7,566,443 |
| Railroad Retirement Board | $4,435,288 |
| Department of Transportation | $1,197,392 |
| General Services Administration | $1,146,750 |
| National Aeronautics and Space Administration | $1,002,636 |
| Federal Communications Commission | $849,954 |
| Department of Agriculture | $677,512 |
That is $19,929 per covered job, against 36,121 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $719.9 m / 36,121 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,929
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 #
Madison County, KY: 12 findings, 2 at a watch level and 10 noted
watchMadison County, KY's covered employment is -2.8% 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 = -2.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchMadison County, KY's typical home value of +1.2% scores 31 on the 0-to-100 scale across US counties but 71 across Kentucky counties, a gap of 40 points.
Period 2026-09.Show the arithmetic
- 40 = |31 across US counties - 71 across Kentucky counties|
position among the entities that published this metric this period; not an official level
noteMadison County, KY's covered employment was 2.8% 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
- -2.8 % = 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
noteMadison County, KY's average weekly wage was 0.8% 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
- +0.8 % = 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
noteMadison County, KY's typical asking rent rose 0.3% from $1,066 in August 2026 to $1,069 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +0.3% = (1069.0860856935367 - 1066.2578627202615) / 1066.2578627202615 × 100
- 1069.0860856935367 = Zillow ZORI, 2026-09
- 1066.2578627202615 = Zillow ZORI, 2026-08
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.