Warren County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.00, -86.42.
Assembled 2026-10-20. Read the brief.
- 66th pct · 1,021st of 3,063 US counties · median $230,451
- 90th pct · 12th of 120 Kentucky counties · median $179,218
- counties in the Bowling Green metro: Rank context is unavailable: the manifest lists 4 counties in the Bowling Green metro; fewer than 5 is too few to rank.
- 22nd pct · 2,366th of 3,062 US counties · median +2.9%
- 65th pct · 42nd of 120 Kentucky counties · median -1.4%
- counties in the Bowling Green metro: Rank context is unavailable: the manifest lists 4 counties in the Bowling Green metro; fewer than 5 is too few to rank.
- 23rd pct · 1,044th of 1,358 US counties · median $1,506
- 37th pct · 18th of 28 Kentucky counties · median $1,281
- counties in the Bowling Green metro: Rank context is unavailable: the manifest lists 4 counties in the Bowling Green metro; fewer than 5 is too few to rank.
- 87th pct · 392nd of 3,221 US counties · median 8,232
- 96th pct · 5th of 120 Kentucky counties · median 5,237
- counties in the Bowling Green metro: Rank context is unavailable: the manifest lists 4 counties in the Bowling Green metro; fewer than 5 is too few to rank.
- 70th pct · 963rd of 3,221 US counties · median $1,039
- 81st pct · 23rd of 120 Kentucky counties · median $953
- counties in the Bowling Green metro: Rank context is unavailable: the manifest lists 4 counties in the Bowling Green metro; fewer than 5 is too few to rank.
- 61st pct · 1,185th of 3,063 US counties · median 4.2
- 84th pct · 19th of 120 Kentucky counties · median 3.5
- counties in the Bowling Green metro: Rank context is unavailable: the manifest lists 4 counties in the Bowling Green 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 $285,184 (Sep 2026), +0.2% over one year, +23.9% over five
- 66th pct · 1,021st of 3,063 US counties · median $230,451
- 90th pct · 12th of 120 Kentucky counties · median $179,218
- counties in the Bowling Green metro: Rank context is unavailable: the manifest lists 4 counties in the Bowling Green metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Warren County, KY | $285,184 · +0.2% 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 $1,226/mo (Sep 2026), +1.2% over one year; price-to-rent 19.4
- 23rd pct · 1,044th of 1,358 US counties · median $1,506
- 37th pct · 18th of 28 Kentucky counties · median $1,281
- counties in the Bowling Green metro: Rank context is unavailable: the manifest lists 4 counties in the Bowling Green metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Warren County, KY | $1,226/mo · +1.2% 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 $1,580 a month on $285,184 at 7.40%, against an average weekly wage worth $4,979 a month: 31.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $285,184 × 80% = $228,147, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,580/mo principal and interest
- wage share = payment / (avg weekly wage $1,149 × 52 / 12 = $4,979) = 32% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $285,184 / ($1,149 × 52) = 4.8
- price-to-rent = $285,184 / ($1,226 × 12) = 19.4
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 #
70,498 jobs at 5,633 employers (2026 Q1); -1.6% jobs and +1.9% average weekly wage over the year
- 87th pct · 392nd of 3,221 US counties · median 8,232
- 96th pct · 5th of 120 Kentucky counties · median 5,237
- counties in the Bowling Green metro: Rank context is unavailable: the manifest lists 4 counties in the Bowling Green metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Warren County, KY | 70,498 jobs · $1,149/wk · -1.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 11,387 | $1,530 | 2.01 | -5.9% |
| Health care and social assistance | 11,123 | $1,141 | 1.05 | +4.0% |
| Retail trade | 8,725 | $720 | 1.27 | +1.3% |
| Accommodation and food services | 7,085 | $452 | 1.12 | -8.8% |
| Construction | 3,506 | $1,506 | 0.95 | +4.1% |
| Administrative and waste services | 3,445 | $800 | 0.86 | -5.8% |
| Professional and technical services | 2,621 | $1,257 | 0.54 | +2.9% |
| Wholesale trade | 2,537 | $1,695 | 0.94 | -2.7% |
| Management of companies | 1,844 | $2,954 | 1.56 | -6.2% |
| Finance and insurance | 1,781 | $2,125 | 0.62 | +1.9% |
| Other services | 1,479 | $820 | 0.70 | -3.0% |
| Arts, entertainment and recreation | 1,035 | $549 | 0.89 | -0.8% |
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 #
D1 moderate drought
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 #
29 gauges · 0 flooding · 3 with quality panels averaging 100 % · 8 stale
Sites found: 29, 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 |
|---|---|---|
| BARREN RIVER AT BOWLING GREEN, KY | flow 274.0 ft³/s · no flooding | 1 km |
| DRAKES CREEK NEAR ALVATON, KY | flow 42.2 ft³/s · no flooding | 12 km |
| BEAVERDAM CREEK AT RHODA, KY | flow 0.98 ft³/s · STALE | 25 km |
| GREEN RIVER AT HWY 259 AT BROWNSVILLE, KY | stage 17.4 ft | 26 km |
| GREEN RIVER AT WATER PLANT AT BROWNSVILLE, KY | stage 31.5 ft · STALE | 27 km |
| GREEN RIVER AT LOCK 6 AT BROWNSVILLE, KY | flow 3,450 ft³/s · STALE | 28 km |
| GREEN RIVER AT LOCK 4 AT WOODBURY, KY | flow 5,630 ft³/s · no flooding | 28 km |
| BARREN RIVER NEAR FINNEY, KY | flow 400.0 ft³/s · quality 100 % (1) | 28 km |
| WEST FORK DRAKES CREEK NEAR FRANKLIN, KY | flow 4.98 ft³/s | 32 km |
| GREEN RIVER AT MAMMOTH CAVE, KY | flow 370.0 ft³/s · no flooding | 34 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 #
5 wells in 0 named aquifers:
Sites found: 5, 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-365538086281001 | depth 61.1 ft · 1984-10-24 | 9 km |
| USGS-370342086080101 | depth 70.6 ft · 1983-01-18 | 27 km |
| USGS-363609086430401 | depth 25.0 ft · 2026-10-19 | 51 km |
| USGS-365853085495801 | depth 24.7 ft · 1984-10-30 | 53 km |
| USGS-370211085364301 | depth 76.0 ft · 1983-04-05 | 72 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 (0.16)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.00 / 0.55
Banks & federal dollars #
$4.0 bn in deposits at 54 offices of 22 banks (SOD June 2026); HHI 975, unconcentrated. $706.9 m federal obligations in FY2026 (direct payments $666.5 m, grants $22.4 m), $10,028 per covered job
| Item | Value | Distance |
|---|---|---|
| American Bank & Trust Company, Inc. | $800.0 m · 20.1% share · 6 offices | |
| U.S. Bank National Association | $529.4 m · 13.3% share · 5 offices | |
| Truist Bank | $425.0 m · 10.7% share · 3 offices | |
| Warren, KY | $706.9 m FY2026 · $10,028/job | |
| MULTIPLE RECIPIENTS | $622.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| American Bank & Trust Company, Inc. | $799,996,000 | 20.1% | 6 |
| U.S. Bank National Association | $529,416,000 | 13.3% | 5 |
| Truist Bank | $424,979,000 | 10.7% | 3 |
| Independence Bank of Kentucky | $311,458,000 | 7.8% | 2 |
| South Central Bank, Inc. | $281,629,000 | 7.1% | 5 |
| German American Bank | $266,403,000 | 6.7% | 4 |
| Franklin Bank & Trust Company | $228,095,000 | 5.7% | 3 |
| Pinnacle Bank | $199,349,000 | 5.0% | 1 |
| PNC Bank, National Association | $193,172,000 | 4.8% | 3 |
| FirstBank | $150,248,000 | 3.8% | 3 |
Deposit concentration is 975 across 21 banks, which the 1995 Department of Justice bank merger screen calls unconcentrated.
HHI = Σ (share %)² over 21 banks with deposits in the county = 20.1² + 13.3² + 10.7² + … (18 more) = 975
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 | $534,277,313 |
| Department of Veterans Affairs | $91,754,000 |
| Department of Education | $32,475,570 |
| Department of Housing and Urban Development | $11,395,971 |
| General Services Administration | $10,902,916 |
| Department of Health and Human Services | $9,287,672 |
| Department of Transportation | $7,082,537 |
| Department of Agriculture | $3,458,638 |
| Federal Communications Commission | $1,937,641 |
| Railroad Retirement Board | $1,908,219 |
| National Science Foundation | $1,418,326 |
| Department of Justice | $502,515 |
That is $10,028 per covered job, against 70,498 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $706.9 m / 70,498 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $10,028
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 #
Warren County, KY: 9 findings, 2 at a watch level and 7 noted
watchWarren County, KY's covered employment is -1.6% 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 = -1.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchWarren County, KY's typical home value of +0.2% scores 23 on the 0-to-100 scale across US counties but 66 across Kentucky counties, a gap of 43 points.
Period 2026-09.Show the arithmetic
- 43 = |23 across US counties - 66 across Kentucky counties|
position among the entities that published this metric this period; not an official level
noteWarren County, KY's average weekly wage was 1.9% 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
- +1.9 % = 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
noteWarren County, KY's covered employment was 1.6% 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
- -1.6 % = 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
noteWarren County, KY's covered employment of 70,498 ranks 5th of 120 Kentucky counties, against a median of 5,237.
Period 2026 Q1.Show the arithmetic
- 97 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.