Mariposa County, CA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.57, -119.91.
Assembled 2026-10-06. Read the brief.
- 85th pct · 459th of 3,063 US counties · median $234,566
- 29th pct · 41st of 58 California counties · median $500,264
- 16th pct · 2,562nd of 3,063 US counties · median +2.9%
- 24th pct · 44th of 58 California counties · median +0.3%
- US counties: not published this period
- California counties: not published this period
- 39th pct · 1,936th of 3,221 US counties · median 8,232
- 7th pct · 54th of 58 California counties · median 74,865
- 47th pct · 1,683rd of 3,221 US counties · median $1,039
- 5th pct · 55th of 58 California counties · median $1,206
- 90th pct · 295th of 3,063 US counties · median 4.3
- 49th pct · 30th 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 $392,402 (Aug 2026), -0.7% over one year, -4.2% over five
- 85th pct · 459th of 3,063 US counties · median $234,566
- 29th pct · 41st of 58 California counties · median $500,264
| Item | Value | Distance |
|---|---|---|
| Mariposa County, CA | $392,402 · -0.7% 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
- California counties: 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 $2,148 a month on $392,402 at 7.28%, against an average weekly wage worth $4,459 a month: 48.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $392,402 × 80% = $313,922, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,148/mo principal and interest
- wage share = payment / (avg weekly wage $1,029 × 52 / 12 = $4,459) = 48% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $392,402 / ($1,029 × 52) = 7.3
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 #
5,529 jobs at 685 employers (2026 Q1); +0.3% jobs and +4.6% average weekly wage over the year
- 39th pct · 1,936th of 3,221 US counties · median 8,232
- 7th pct · 54th of 58 California counties · median 74,865
| Item | Value | Distance |
|---|---|---|
| Mariposa County, CA | 5,529 jobs · $1,029/wk · +0.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 1,583 | $725 | 3.19 | -5.4% |
| Health care and social assistance | 461 | $605 | 0.55 | -2.9% |
| Retail trade | 266 | $790 | 0.49 | -8.6% |
| Construction | 225 | $1,297 | 0.78 | -1.7% |
| Other services | 200 | $961 | 1.21 | -2.0% |
| Professional and technical services | 100 | $1,173 | 0.26 | +1.0% |
| Real estate and rental | 92 | $826 | 1.09 | +0.0% |
| Manufacturing | 81 | $1,341 | 0.18 | +0.0% |
| Arts, entertainment and recreation | 24 | $494 | 0.26 | +41.2% |
| Transportation and warehousing | 23 | $761 | 0.10 | +0.0% |
| Finance and insurance | 14 | $1,138 | 0.06 | +0.0% |
| Information | 13 | $1,019 | 0.13 | +0.0% |
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 #
11 USGS reservoir gauges, no capacity figures to weight
Sites found: 11, 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 |
|---|---|---|
| HETCH HETCHY RES A HETCH HETCHY CA | 281,800 Acre-ft (USGS, no capacity on file) | 43 km |
| LK ELEANOR NR HETCH HETCHY CA | 16,390 Acre-ft (USGS, no capacity on file) | 45 km |
| CHERRY LK NR HETCH HETCHY CA | 238,900 Acre-ft (USGS, no capacity on file) | 45 km |
| DON PEDRO RES NR LA GRANGE CA | 1,522,000 Acre-ft (USGS, no capacity on file) | 47 km |
| TULLOCH RES NR KNIGHTS FERRY CA | 57,680 Acre-ft (USGS, no capacity on file) | 70 km |
| BEARDSLEY LAKE NEAR STRAWBERRY CA | 60,010 Acre-ft (USGS, no capacity on file) | 72 km |
| UPPER TWIN LAKE NR BRIDGEPORT, CA | 7,207 ft (USGS, no capacity on file) | 81 km |
| LOWER TWIN LAKE NR BRIDGEPORT, CA | 7,193 ft (USGS, no capacity on file) | 84 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 #
34 gauges · 0 flooding · 15 with quality panels averaging 100 % · 4 stale
Sites found: 34, 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 |
|---|---|---|
| South Fork Merced River at Wawona | no readings | 22 km |
| Gin Flat | observation not current | 25 km |
| MERCED R A POHONO BRIDGE NR YOSEMITE CA | flow 14.5 ft³/s · no flooding | 27 km |
| BIG C DIV NR FISH CAMP CA | flow 0.00 ft³/s · STALE | 29 km |
| TUOLUMNE R AB EARLY INTAKE NR MATHER CA | flow 49.7 ft³/s · quality 100 % (1) | 34 km |
| TUOLUMNE R BL EARLY INTAKE NR MATHER CA | flow 50.5 ft³/s · quality 100 % (1) | 35 km |
| CHERRY C BL DION R HOLM PH NR MATHER CA | flow 17.5 ft³/s · quality 100 % (1) | 35 km |
| MERCED R A HAPPY ISLES BRIDGE NR YOSEMITE CA | flow 4.05 ft³/s · quality 100 % (1) · no flooding | 36 km |
| CHERRY C NR EARLY INTAKE CA | flow 14.2 ft³/s · quality 100 % (1) | 36 km |
| Tenaya Creek at Yosemite NP At Tenaya Bridge | no readings | 36 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.00 / 0.55
Banks & federal dollars #
$201.8 m in deposits at 2 offices of 2 banks (SOD June 2026); HHI 5,103, highly concentrated. $270.6 m federal obligations in FY2026 (contracts $144.4 m, direct payments $124.5 m), $48,945 per covered job
| Item | Value | Distance |
|---|---|---|
| UMB Bank, National Association | $115.4 m · 57.2% share · 1 office | |
| Westamerica Bank | $86.4 m · 42.8% share · 1 office | |
| Mariposa, CA | $270.6 m FY2026 · $48,945/job | |
| MULTIPLE RECIPIENTS | $122.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| UMB Bank, National Association | $115,409,000 | 57.2% | 1 |
| Westamerica Bank | $86,425,000 | 42.8% | 1 |
Deposit concentration is 5,103 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 = 57.2² + 42.8² = 5,103
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 |
|---|---|
| Department of the Interior | $134,590,373 |
| Social Security Administration | $110,948,028 |
| Department of Veterans Affairs | $11,160,771 |
| Department of Transportation | $7,958,331 |
| Department of Agriculture | $2,643,657 |
| Department of Defense | $1,989,681 |
| General Services Administration | $408,722 |
| Federal Communications Commission | $327,937 |
| Railroad Retirement Board | $286,442 |
| Department of Health and Human Services | $192,819 |
| Department of Education | $83,201 |
| Department of Homeland Security | $24,650 |
That is $48,945 per covered job, against 5,529 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $270.6 m / 5,529 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $48,945
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 | -105,572.00 | 2026-08-01 | -13.7% |
| 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 #
Mariposa County, CA: 12 findings, 6 at a watch level and 6 noted
watchMariposa County, CA's typical home value is -0.7% 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 = -0.7198193634102767 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchMariposa County, CA's years of wages of 7.3 ranks 295th 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 = 90.39843239712606 >= 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
watchMariposa County, CA's typical home value of $392,402 scores 85 on the 0-to-100 scale across US counties but 30 across California counties, a gap of 55 points.
Period 2026-08.Show the arithmetic
- 55 = |85 across US counties - 30 across California counties|
position among the entities that published this metric this period; not an official level
watchMariposa County, CA's average weekly wage of $1,029 scores 48 on the 0-to-100 scale across US counties but 5 across California counties, a gap of 42 points.
Period 2026 Q1.Show the arithmetic
- 42 = |48 across US counties - 5 across California counties|
position among the entities that published this metric this period; not an official level
watchMariposa County, CA's years of wages of 7.3 scores 90 on the 0-to-100 scale across US counties but 49 across California counties, a gap of 41 points.
Period 2026-08.Show the arithmetic
- 41 = |90 across US counties - 49 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.