Calaveras County, CA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.19, -120.55.
Assembled 2026-10-06. Read the brief.
- 89th pct · 333rd of 3,063 US counties · median $234,566
- 43rd pct · 33rd of 58 California counties · median $500,264
- 9th pct · 2,782nd of 3,063 US counties · median +2.9%
- 1st pct · 57th of 58 California counties · median +0.3%
- 87th pct · 170th of 1,399 US counties · median $1,496
- 43rd pct · 28th of 49 California counties · median $2,340
- 55th pct · 1,430th of 3,221 US counties · median 8,232
- 21st pct · 46th of 58 California counties · median 74,865
- 66th pct · 1,074th of 3,221 US counties · median $1,039
- 28th pct · 42nd of 58 California counties · median $1,206
- 90th pct · 287th of 3,063 US counties · median 4.3
- 50th pct · 29th of 58 California counties · median 7.4
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 $432,710 (Aug 2026), -2.3% over one year, -1.0% over five
- 89th pct · 333rd of 3,063 US counties · median $234,566
- 43rd pct · 33rd of 58 California counties · median $500,264
| Item | Value | Distance |
|---|---|---|
| Calaveras County, CA | $432,710 · -2.3% 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 $2,115/mo (Aug 2026), n/a over one year; price-to-rent 17.1
- 87th pct · 170th of 1,399 US counties · median $1,496
- 43rd pct · 28th of 49 California counties · median $2,340
| Item | Value | Distance |
|---|---|---|
| Calaveras County, CA | $2,115/mo · n/a 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 $2,369 a month on $432,710 at 7.28%, against an average weekly wage worth $4,871 a month: 48.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $432,710 × 80% = $346,168, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,369/mo principal and interest
- wage share = payment / (avg weekly wage $1,124 × 52 / 12 = $4,871) = 49% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $432,710 / ($1,124 × 52) = 7.4
- price-to-rent = $432,710 / ($2,115 × 12) = 17.1
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 #
10,253 jobs at 1,530 employers (2026 Q1); +3.8% jobs and +1.2% average weekly wage over the year
- 55th pct · 1,430th of 3,221 US counties · median 8,232
- 21st pct · 46th of 58 California counties · median 74,865
| Item | Value | Distance |
|---|---|---|
| Calaveras County, CA | 10,253 jobs · $1,124/wk · +3.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,200 | $705 | 1.20 | -2.2% |
| Accommodation and food services | 973 | $522 | 1.06 | +0.4% |
| Construction | 867 | $1,329 | 1.61 | +6.0% |
| Arts, entertainment and recreation | 560 | $616 | 3.32 | +102.2% |
| Professional and technical services | 495 | $1,743 | 0.70 | -6.8% |
| Other services | 300 | $799 | 0.98 | +9.1% |
| Manufacturing | 235 | $919 | 0.28 | -17.0% |
| Transportation and warehousing | 170 | $1,310 | 0.39 | -24.4% |
| Utilities | 134 | $4,021 | 3.31 | +0.0% |
| Wholesale trade | 92 | $1,148 | 0.23 | +0.0% |
| Finance and insurance | 92 | $1,259 | 0.22 | +4.5% |
| Real estate and rental | 72 | $794 | 0.46 | -2.7% |
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 #
17 USGS reservoir gauges, no capacity figures to weight
Sites found: 17, 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.
| Site | Reading | Distance |
|---|---|---|
| TULLOCH RES NR KNIGHTS FERRY CA | 58,300 Acre-ft (USGS, no capacity on file) | 35 km |
| BEARDSLEY LAKE NEAR STRAWBERRY CA | 60,080 Acre-ft (USGS, no capacity on file) | 42 km |
| DONNELL LK NR DARDANELLE CA | 21,120 Acre-ft (USGS, no capacity on file) | 54 km |
| DON PEDRO RES NR LA GRANGE CA | 1,523,000 Acre-ft (USGS, no capacity on file) | 56 km |
| CHERRY LK NR HETCH HETCHY CA | 238,800 Acre-ft (USGS, no capacity on file) | 61 km |
| LK ELEANOR NR HETCH HETCHY CA | 16,490 Acre-ft (USGS, no capacity on file) | 64 km |
| HETCH HETCHY RES A HETCH HETCHY CA | 281,900 Acre-ft (USGS, no capacity on file) | 72 km |
| UPPER TWIN LAKE NR BRIDGEPORT, CA | 7,207 ft (USGS, no capacity on file) | 105 km |
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 #
31 gauges · 0 flooding · 21 with quality panels averaging 94 % · 9 stale
Sites found: 31, 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-375713121174401 | turb. 112.0 FNU · quality 67 % (3) · STALE | 70 km |
| MURRAY C NR SAN ANDREAS CA | stage 6.91 ft · STALE | 11 km |
| NF CALAVERAS R NR MOKELUMNE HILL CA | stage 8.68 ft · STALE | 14 km |
| BLACK C NR COPPEROPOLIS CA | flow 0.00 ft³/s | 26 km |
| STANISLAUS R BL TULLOCH PP NR KNIGHTS FERRY CA | temp 13.3 °C · quality 100 % (1) | 35 km |
| STANISLAUS R BL GOODWIN DAM NR KNIGHTS FERRY CA | temp 13.4 °C · quality 100 % (1) | 38 km |
| TUOLUMNE R A WARDS FERRY BR NR GROVELAND CA | flow 21,000 ft³/s · quality 100 % (5) · STALE | 42 km |
| BIG C AB WHITES GULCH NR GROVELAND CA | flow 0.00 ft³/s | 51 km |
| STANISLAUS R A OAKDALE CA | temp 15.0 °C · quality 100 % (1) | 53 km |
| DRY C A CRABTREE RD NR LA GRANGE CA | flow 0.00 ft³/s | 54 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 #
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 (0.02)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.06 / 0.55
Banks & federal dollars #
$714.7 m in deposits at 10 offices of 6 banks (SOD June 2026); HHI 1,963, highly concentrated. $408.9 m federal obligations in FY2026 (direct payments $377.2 m, grants $27.3 m), $39,879 per covered job
| Item | Value | Distance |
|---|---|---|
| El Dorado Savings Bank, F.S.B. | $192.8 m · 27.0% share · 3 offices | |
| Columbia Bank | $164.7 m · 23.0% share · 3 offices | |
| Bank of Stockton | $135.9 m · 19.0% share · 1 office | |
| Calaveras, CA | $408.9 m FY2026 · $39,879/job | |
| MULTIPLE RECIPIENTS | $365.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| El Dorado Savings Bank, F.S.B. | $192,848,000 | 27.0% | 3 |
| Columbia Bank | $164,661,000 | 23.0% | 3 |
| Bank of Stockton | $135,909,000 | 19.0% | 1 |
| U.S. Bank National Association | $89,263,000 | 12.5% | 1 |
| Wells Fargo Bank, National Association | $86,156,000 | 12.1% | 1 |
| Mechanics Bank | $45,830,000 | 6.4% | 1 |
Deposit concentration is 1,963 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 27.0² + 23.0² + 19.0² + … (3 more) = 1,963
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 | $325,691,339 |
| Department of Veterans Affairs | $38,704,888 |
| Department of Transportation | $25,337,830 |
| Department of Agriculture | $12,001,645 |
| Department of Health and Human Services | $3,496,499 |
| Railroad Retirement Board | $1,631,692 |
| Department of the Interior | $807,969 |
| Federal Communications Commission | $630,804 |
| Department of Defense | $373,392 |
| Department of Housing and Urban Development | $143,365 |
| Department of Education | $53,970 |
| Department of Energy | $8,976 |
That is $39,879 per covered job, against 10,253 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $408.9 m / 10,253 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $39,879
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 | 12.69 | 2026-10-05 | +3.3% |
| 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 · % | 72.60 | 2026-10-06 | +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 | 6.00 | 2026-09-22 | -14.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 6,830.00 | 2026-08-01 | +7.4% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 96.16 | 2026-09-29 | -3.2% |
| 30-year fixed mortgage rate · % | 7.28 | 2026-10-01 | +3.6% |
| 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 | -88,576.00 | 2026-07-01 | -24.4% |
| Retail sales excluding food services, monthly · $ millions | 646,347.00 | 2026-08-01 | +1.1% |
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 #
Calaveras County, CA: 17 findings, 8 at a watch level and 9 noted
watchCalaveras County, CA's typical home value is -2.3% 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 2026-08.Show the arithmetic
- test: home.yoyPct = -2.3341418639123668 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchCalaveras County, CA's years of wages of 7.4 ranks 287th of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-08.Show the arithmetic
- test: yearsOfWages percentile = 90.65969954278249 >= 90
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level
watchCalaveras County, CA's typical home value of $432,710 scores 89 on the 0-to-100 scale across US counties but 44 across California counties, a gap of 45 points.
Period 2026-08.Show the arithmetic
- 45 = |89 across US counties - 44 across California counties|
position among the entities that published this metric this period; not an official level
watchCalaveras County, CA's typical asking rent of $2,115 scores 88 on the 0-to-100 scale across US counties but 44 across California counties, a gap of 44 points.
Period 2026-08.Show the arithmetic
- 44 = |88 across US counties - 44 across California counties|
position among the entities that published this metric this period; not an official level
watchCalaveras County, CA's years of wages of 7.4 scores 91 on the 0-to-100 scale across US counties but 51 across California counties, a gap of 40 points.
Period 2026-08.Show the arithmetic
- 40 = |91 across US counties - 51 across California counties|
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
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.