Scott County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.29, -84.58.
Assembled 2026-10-19. Read the brief.
- 78th pct · 659th of 3,063 US counties · median $230,451
- 96th pct · 5th of 120 Kentucky counties · median $179,218
- 80th pct · 2nd of 6 counties in the Lexington-Fayette metro · median $329,593
- 61st pct · 1,175th of 3,062 US counties · median +2.9%
- 91st pct · 11th of 120 Kentucky counties · median -1.4%
- 80th pct · 2nd of 6 counties in the Lexington-Fayette metro · median +2.9%
- 57th pct · 574th of 1,358 US counties · median $1,506
- 81st pct · 6th of 28 Kentucky counties · median $1,281
- 75th pct · 2nd of 5 counties in the Lexington-Fayette metro · median $1,522
- 78th pct · 705th of 3,221 US counties · median 8,232
- 90th pct · 12th of 120 Kentucky counties · median 5,237
- 80th pct · 2nd of 6 counties in the Lexington-Fayette metro · median 16,249
- 89th pct · 333rd of 3,221 US counties · median $1,039
- 95th pct · 6th of 120 Kentucky counties · median $953
- 100th pct · 1st of 6 counties in the Lexington-Fayette metro · median $1,116
- 59th pct · 1,233rd of 3,063 US counties · median 4.2
- 82nd pct · 22nd of 120 Kentucky counties · median 3.5
- 40th pct · 4th of 6 counties in the Lexington-Fayette metro · median 4.7
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 $342,459 (Sep 2026), +3.8% over one year, +33.3% over five
- 78th pct · 659th of 3,063 US counties · median $230,451
- 96th pct · 5th of 120 Kentucky counties · median $179,218
- 80th pct · 2nd of 6 counties in the Lexington-Fayette metro · median $329,593
| Item | Value | Distance |
|---|---|---|
| Scott County, KY | $342,459 · +3.8% 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 #
Typical rent $1,601/mo (Sep 2026), +3.3% over one year; price-to-rent 17.8
- 57th pct · 574th of 1,358 US counties · median $1,506
- 81st pct · 6th of 28 Kentucky counties · median $1,281
- 75th pct · 2nd of 5 counties in the Lexington-Fayette metro · median $1,522
| Item | Value | Distance |
|---|---|---|
| Scott County, KY | $1,601/mo · +3.3% 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 $1,897 a month on $342,459 at 7.40%, against an average weekly wage worth $6,084 a month: 31.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $342,459 × 80% = $273,967, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,897/mo principal and interest
- wage share = payment / (avg weekly wage $1,404 × 52 / 12 = $6,084) = 31% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $342,459 / ($1,404 × 52) = 4.7
- price-to-rent = $342,459 / ($1,601 × 12) = 17.8
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 #
31,487 jobs at 1,901 employers (2026 Q1); +1.1% jobs and +2.0% average weekly wage over the year
- 78th pct · 705th of 3,221 US counties · median 8,232
- 90th pct · 12th of 120 Kentucky counties · median 5,237
- 80th pct · 2nd of 6 counties in the Lexington-Fayette metro · median 16,249
| Item | Value | Distance |
|---|---|---|
| Scott County, KY | 31,487 jobs · $1,404/wk · +1.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 12,889 | $1,750 | 5.09 | +1.7% |
| Accommodation and food services | 2,499 | $435 | 0.88 | +0.1% |
| Health care and social assistance | 2,381 | $1,247 | 0.50 | -4.0% |
| Retail trade | 1,931 | $722 | 0.63 | -0.1% |
| Administrative and waste services | 1,769 | $920 | 0.99 | -6.3% |
| Transportation and warehousing | 1,733 | $1,240 | 1.31 | +8.7% |
| Construction | 755 | $1,408 | 0.46 | +20.0% |
| Other services | 433 | $890 | 0.46 | -2.3% |
| Finance and insurance | 279 | $1,502 | 0.22 | +3.7% |
| Educational services | 270 | $890 | 0.40 | -1.5% |
| Real estate and rental | 192 | $1,027 | 0.40 | +1.6% |
| Arts, entertainment and recreation | 151 | $677 | 0.29 | -1.3% |
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 #
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 #
$1.0 bn in deposits at 16 offices of 10 banks (SOD June 2026); HHI 1,608, moderately concentrated. $315.4 m federal obligations in FY2026 (direct payments $300.1 m, grants $14.0 m), $10,016 per covered job
| Item | Value | Distance |
|---|---|---|
| WesBanco Bank, Inc. | $268.0 m · 26.8% share · 2 offices | |
| Whitaker Bank | $188.8 m · 18.9% share · 3 offices | |
| Central Bank & Trust Co. | $166.5 m · 16.6% share · 2 offices | |
| Scott, KY | $315.4 m FY2026 · $10,016/job | |
| MULTIPLE RECIPIENTS | $293.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| WesBanco Bank, Inc. | $267,978,000 | 26.8% | 2 |
| Whitaker Bank | $188,819,000 | 18.9% | 3 |
| Central Bank & Trust Co. | $166,464,000 | 16.6% | 2 |
| Fifth Third Bank, National Association | $97,525,000 | 9.7% | 1 |
| Stock Yards Bank & Trust Company | $92,149,000 | 9.2% | 2 |
| Community Trust Bank, Inc. | $51,655,000 | 5.2% | 2 |
| Republic Bank & Trust Company | $46,176,000 | 4.6% | 1 |
| PNC Bank, National Association | $41,496,000 | 4.1% | 1 |
| Peoples Exchange Bank | $30,227,000 | 3.0% | 1 |
| Peoples Bank | $18,052,000 | 1.8% | 1 |
Deposit concentration is 1,608 across 10 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 26.8² + 18.9² + 16.6² + … (7 more) = 1,608
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 | $253,736,070 |
| Department of Veterans Affairs | $38,079,310 |
| Department of Transportation | $12,214,268 |
| Department of Housing and Urban Development | $5,568,663 |
| Department of Education | $2,669,124 |
| Railroad Retirement Board | $1,330,399 |
| Department of Defense | $1,007,823 |
| Department of Agriculture | $917,701 |
| Department of Justice | $137,967 |
| Small Business Administration | $0 |
| Department of Health and Human Services | -$300,000 |
That is $10,016 per covered job, against 31,487 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $315.4 m / 31,487 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $10,016
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 #
Scott County, KY: 11 findings, 11 noted
noteScott County, KY's average weekly wage was 2.0% 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
- +2 % = 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
noteScott County, KY's covered employment was 1.1% 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
- +1.1 % = 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
noteScott County, KY's typical home value rose 0.3% from $341,465 in August 2026 to $342,459 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.3% = (342458.73593067145 - 341465.1346767181) / 341465.1346767181 × 100
- 342458.73593067145 = Zillow ZHVI, 2026-09
- 341465.1346767181 = Zillow ZHVI, 2026-08
noteScott County, KY's average weekly wage of $1,404 ranks 1st of 6 counties in the Lexington-Fayette metro, against a median of $1,116.
Period 2026 Q1.Show the arithmetic
- 100 on the 0-to-100 scale across 6 counties in the Lexington-Fayette metro that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
noteScott County, KY's typical home value of $342,459 ranks 5th of 120 Kentucky counties, against a median of $179,218.
Period 2026-09.Show the arithmetic
- 97 on the 0-to-100 scale across 120 Kentucky counties that published home.latest
position among the entities that published this metric this period; not an official level
Read all 11 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.