Mono County, CA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.92, -118.88.
Assembled 2026-10-06. Read the brief.
- 98th pct · 56th of 3,063 US counties · median $234,566
- 70th pct · 18th of 58 California counties · median $500,264
- 49th pct · 1,558th of 3,063 US counties · median +2.9%
- 80th pct · 12th of 58 California counties · median +0.3%
- US counties: not published this period
- California counties: not published this period
- 51st pct · 1,577th of 3,221 US counties · median 8,232
- 14th pct · 50th of 58 California counties · median 74,865
- 48th pct · 1,656th of 3,221 US counties · median $1,039
- 7th pct · 54th of 58 California counties · median $1,206
- 99th pct · 22nd of 3,063 US counties · median 4.3
- 96th pct · 3rd 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 $757,039 (Aug 2026), +2.9% over one year, +17.9% over five
- 98th pct · 56th of 3,063 US counties · median $234,566
- 70th pct · 18th of 58 California counties · median $500,264
| Item | Value | Distance |
|---|---|---|
| Mono County, CA | $757,039 · +2.9% 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 $4,144 a month on $757,039 at 7.28%, against an average weekly wage worth $4,476 a month: 92.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $757,039 × 80% = $605,632, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $4,144/mo principal and interest
- wage share = payment / (avg weekly wage $1,033 × 52 / 12 = $4,476) = 93% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $757,039 / ($1,033 × 52) = 14.1
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 #
8,523 jobs at 744 employers (2026 Q1); +2.6% jobs and +0.4% average weekly wage over the year
- 51st pct · 1,577th of 3,221 US counties · median 8,232
- 14th pct · 50th of 58 California counties · median 74,865
| Item | Value | Distance |
|---|---|---|
| Mono County, CA | 8,523 jobs · $1,033/wk · +2.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 4,287 | $819 | 5.60 | +6.9% |
| Retail trade | 574 | $794 | 0.69 | +4.6% |
| Construction | 393 | $1,414 | 0.88 | -5.1% |
| Real estate and rental | 328 | $1,013 | 2.51 | -8.6% |
| Administrative and waste services | 261 | $922 | 0.54 | -7.1% |
| Other services | 213 | $953 | 0.84 | -1.4% |
| Arts, entertainment and recreation | 127 | $756 | 0.91 | +0.0% |
| Transportation and warehousing | 29 | $951 | 0.08 | -19.4% |
| Finance and insurance | 23 | $1,944 | 0.07 | -8.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld |
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 #
$228.6 m in deposits at 3 offices of 2 banks (SOD June 2026); HHI 5,152, highly concentrated. $65.5 m federal obligations in FY2026 (direct payments $44.8 m, contracts $10.5 m), $7,685 per covered job
| Item | Value | Distance |
|---|---|---|
| U.S. Bank National Association | $134.2 m · 58.7% share · 1 office | |
| Oak Valley Community Bank | $94.4 m · 41.3% share · 2 offices | |
| Mono, CA | $65.5 m FY2026 · $7,685/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| U.S. Bank National Association | $134,226,000 | 58.7% | 1 |
| Oak Valley Community Bank | $94,366,000 | 41.3% | 2 |
Deposit concentration is 5,152 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 = 58.7² + 41.3² = 5,152
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 #
That is $7,685 per covered job, against 8,523 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $65.5 m / 8,523 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $7,685
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 | 12.28 | 2026-10-04 | -0.1% |
| 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 · % | 72.60 | 2026-10-05 | +0.1% |
| 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 #
Mono County, CA: 11 findings, 5 at a watch level and 6 noted
watchMono County, CA's years of wages of 14.1 ranks 22nd 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 = 99.31417374265186 >= 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
watchMono County, CA's years of wages is 14.1, a watch level here: typical home value worth 10 or more years of one average covered wage (typical home value / (average weekly wage × 52), one average covered job rather than a household; convention chosen for this dashboard, 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 = 14.093370655637537 >= 10
- typical home value / (average weekly wage × 52); one average covered job, not a household
typical home value / (average weekly wage × 52), one average covered job rather than a household; convention chosen for this dashboard, not an official level
watchMono County, CA's average weekly wage of $1,033 scores 48 on the 0-to-100 scale across US counties but 7 across California counties, a gap of 41 points.
Period 2026 Q1.Show the arithmetic
- 41 = |48 across US counties - 7 across California counties|
position among the entities that published this metric this period; not an official level
watchMono County, CA's covered employment of 8,523 scores 51 on the 0-to-100 scale across US counties but 14 across California counties, a gap of 37 points.
Period 2026 Q1.Show the arithmetic
- 37 = |51 across US counties - 14 across California counties|
position among the entities that published this metric this period; not an official level
watchMono County, CA's typical home value of +2.9% scores 49 on the 0-to-100 scale across US counties but 81 across California counties, a gap of 32 points.
Period 2026-08.Show the arithmetic
- 32 = |49 across US counties - 81 across California counties|
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.