Placer County, CA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.06, -120.72.
Assembled 2026-10-06. Read the brief.
- 97th pct · 76th of 3,063 US counties · median $234,566
- 68th pct · 19th of 58 California counties · median $500,264
- counties in the Sacramento-Roseville-Folsom metro: Rank context is unavailable: the manifest lists 4 counties in the Sacramento-Roseville-Folsom metro; fewer than 5 is too few to rank.
- 28th pct · 2,189th of 3,063 US counties · median +2.9%
- 68th pct · 19th of 58 California counties · median +0.3%
- counties in the Sacramento-Roseville-Folsom metro: Rank context is unavailable: the manifest lists 4 counties in the Sacramento-Roseville-Folsom metro; fewer than 5 is too few to rank.
- 95th pct · 63rd of 1,399 US counties · median $1,496
- 62nd pct · 19th of 49 California counties · median $2,340
- counties in the Sacramento-Roseville-Folsom metro: Rank context is unavailable: the manifest lists 4 counties in the Sacramento-Roseville-Folsom metro; fewer than 5 is too few to rank.
- 94th pct · 168th of 3,221 US counties · median 8,232
- 68th pct · 19th of 58 California counties · median 74,865
- counties in the Sacramento-Roseville-Folsom metro: Rank context is unavailable: the manifest lists 4 counties in the Sacramento-Roseville-Folsom metro; fewer than 5 is too few to rank.
- 93rd pct · 218th of 3,221 US counties · median $1,039
- 80th pct · 12th of 58 California counties · median $1,206
- counties in the Sacramento-Roseville-Folsom metro: Rank context is unavailable: the manifest lists 4 counties in the Sacramento-Roseville-Folsom metro; fewer than 5 is too few to rank.
- 94th pct · 157th of 3,063 US counties · median 4.3
- 68th pct · 19th of 58 California counties · median 7.4
- counties in the Sacramento-Roseville-Folsom metro: Rank context is unavailable: the manifest lists 4 counties in the Sacramento-Roseville-Folsom 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 $686,808 (Aug 2026), +0.9% over one year, +5.1% over five
- 97th pct · 76th of 3,063 US counties · median $234,566
- 68th pct · 19th of 58 California counties · median $500,264
- counties in the Sacramento-Roseville-Folsom metro: Rank context is unavailable: the manifest lists 4 counties in the Sacramento-Roseville-Folsom metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Placer County, CA | $686,808 · +0.9% 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 #
Typical rent $2,609/mo (Aug 2026), +1.8% over one year; price-to-rent 21.9
- 95th pct · 63rd of 1,399 US counties · median $1,496
- 62nd pct · 19th of 49 California counties · median $2,340
- counties in the Sacramento-Roseville-Folsom metro: Rank context is unavailable: the manifest lists 4 counties in the Sacramento-Roseville-Folsom metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Placer County, CA | $2,609/mo · +1.8% 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 $3,759 a month on $686,808 at 7.28%, against an average weekly wage worth $6,582 a month: 57.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $686,808 × 80% = $549,447, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $3,759/mo principal and interest
- wage share = payment / (avg weekly wage $1,519 × 52 / 12 = $6,582) = 57% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $686,808 / ($1,519 × 52) = 8.7
- price-to-rent = $686,808 / ($2,609 × 12) = 21.9
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 #
191,743 jobs at 17,182 employers (2026 Q1); +2.4% jobs and +3.7% average weekly wage over the year
- 94th pct · 168th of 3,221 US counties · median 8,232
- 68th pct · 19th of 58 California counties · median 74,865
- counties in the Sacramento-Roseville-Folsom metro: Rank context is unavailable: the manifest lists 4 counties in the Sacramento-Roseville-Folsom metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Placer County, CA | 191,743 jobs · $1,519/wk · +2.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 37,415 | $1,867 | 1.30 | +5.4% |
| Retail trade | 22,175 | $926 | 1.19 | +1.3% |
| Accommodation and food services | 20,040 | $647 | 1.16 | +1.7% |
| Construction | 17,829 | $1,799 | 1.77 | -3.1% |
| Professional and technical services | 13,289 | $1,691 | 1.00 | +6.9% |
| Administrative and waste services | 8,927 | $1,170 | 0.82 | +1.2% |
| Other services | 7,222 | $1,008 | 1.26 | -1.8% |
| Manufacturing | 7,074 | $1,587 | 0.46 | -1.4% |
| Finance and insurance | 6,675 | $3,138 | 0.85 | +3.8% |
| Arts, entertainment and recreation | 5,694 | $710 | 1.80 | +6.3% |
| Real estate and rental | 5,077 | $1,947 | 1.73 | -2.6% |
| Wholesale trade | 3,844 | $1,777 | 0.52 | -7.3% |
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 #
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 #
15 USGS reservoir gauges, no capacity figures to weight
Sites found: 15, 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 |
|---|---|---|
| DONNER LK NR TRUCKEE CA | 7,036 Acre-ft (USGS, no capacity on file) | 48 km |
| INDEPENDENCE LK NR TRUCKEE CA | 15,260 Acre-ft (USGS, no capacity on file) | 57 km |
| PROSSER C RES NR TRUCKEE CA | 14,500 Acre-ft (USGS, no capacity on file) | 62 km |
| BOCA RES NR TRUCKEE CA | 16,000 Acre-ft (USGS, no capacity on file) | 65 km |
| STAMPEDE RES NR BOCA CA | 143,100 Acre-ft (USGS, no capacity on file) | 70 km |
| MARLETTE LAKE NR CARSON CITY, NV | 18.4 ft (USGS, no capacity on file) | 72 km |
| DONNELL LK NR DARDANELLE CA | 21,280 Acre-ft (USGS, no capacity on file) | 105 km |
| BEARDSLEY LAKE NEAR STRAWBERRY CA | 60,080 Acre-ft (USGS, no capacity on file) | 111 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 #
62 gauges · 0 flooding · 25 with quality panels averaging 99 % · 25 stale
Sites found: 62, 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 |
|---|---|---|
| PILOT C BL MUTTON CANYON NR GEORGETOWN CA | flow 2.36 ft³/s · STALE | 17 km |
| PILOT C AB STUMPY MEADOWS RES CA | flow 2.74 ft³/s · STALE | 23 km |
| NF AMERICAN R A NORTH FORK DAM CA | flow 87.9 ft³/s | 30 km |
| NF AMERICAN R A AUBURN DAM SITE NR AUBURN CA | temp 19.4 °C · quality 100 % (1) | 36 km |
| SF AMERICAN R NR PILOT HILL CA | temp 14.6 °C · quality 100 % (1) | 41 km |
| NF WASHESHU C A OLYMPIC VALLEY CA | stage -0.15 ft | 44 km |
| WARD C BL CONFLUENCE NR TAHOE CITY CA | stage 2.98 ft · STALE | 45 km |
| BLACKWOOD C NR TAHOE CITY CA | flow 1.07 ft³/s · quality 100 % (2) | 49 km |
| WARD C AT HWY 89 NR TAHOE PINES CA | flow 0.53 ft³/s · quality 100 % (2) | 49 km |
| USGS-390752120091201 | temp 12.1 °C · quality 100 % (1) · STALE | 50 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 #
17 wells in 0 named aquifers:
Sites found: 17, 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-390744120091910 | depth -0.87 ft · 2016-06-26 | 50 km |
| USGS-390746120091710 | depth -1.69 ft · 2016-06-26 | 50 km |
| USGS-390746120091730 | depth -3.12 ft · 2016-06-26 | 50 km |
| USGS-390752120091201 | depth 2.66 ft · 2020-10-06 | 50 km |
| USGS-390752120091202 | depth 1.55 ft · 2020-10-06 | 50 km |
| USGS-390752120091203 | depth 0.60 ft · 2020-10-06 | 50 km |
| USGS-390752120091214 | depth -0.72 ft · 2020-10-06 | 50 km |
| USGS-390752120091204 | depth -0.62 ft · 2020-10-06 | 50 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.01 / 0.55
Banks & federal dollars #
$14.4 bn in deposits at 69 offices of 26 banks (SOD June 2026); HHI 1,164, moderately concentrated. $3.0 bn federal obligations in FY2026 (direct payments $2.8 bn, grants $247.4 m), $15,645 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $2.9 bn · 20.0% share · 11 offices | |
| Bank of America, National Association | $2.1 bn · 14.7% share · 6 offices | |
| JPMorgan Chase Bank, National Association | $2.0 bn · 13.9% share · 6 offices | |
| Placer, CA | $3.0 bn FY2026 · $15,645/job | |
| MULTIPLE RECIPIENTS | $2.7 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $2,885,004,000 | 20.0% | 11 |
| Bank of America, National Association | $2,115,233,000 | 14.7% | 6 |
| JPMorgan Chase Bank, National Association | $2,008,236,000 | 13.9% | 6 |
| Five Star Bank | $1,872,549,000 | 13.0% | 1 |
| U.S. Bank National Association | $1,278,849,000 | 8.9% | 10 |
| Columbia Bank | $1,016,284,000 | 7.0% | 4 |
| Mechanics Bank | $884,203,000 | 6.1% | 1 |
| Tri Counties Bank | $384,988,000 | 2.7% | 3 |
| BMO Bank National Association | $226,504,000 | 1.6% | 4 |
| First Northern Bank of Dixon | $178,503,000 | 1.2% | 2 |
Deposit concentration is 1,164 across 26 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 26 banks with deposits in the county = 20.0² + 14.7² + 13.9² + … (23 more) = 1,164
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 | $2,348,043,412 |
| Department of Veterans Affairs | $318,644,615 |
| Department of Transportation | $238,073,923 |
| Department of Education | $32,269,909 |
| Railroad Retirement Board | $30,849,874 |
| Department of Agriculture | $20,107,584 |
| Department of Defense | $6,788,720 |
| Federal Communications Commission | $5,366,723 |
| Department of Health and Human Services | $2,908,625 |
| Department of Energy | $2,331,994 |
| National Aeronautics and Space Administration | $2,157,000 |
| Department of the Interior | $562,681 |
That is $15,645 per covered job, against 191,743 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $3.0 bn / 191,743 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,645
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 | 2026-10-06 | +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 #
Placer County, CA: 13 findings, 3 at a watch level and 10 noted
watchPlacer County, CA's years of wages of 8.7 ranks 157th 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 = 94.90529065969955 >= 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
watchPlacer County, CA's typical home value of +0.9% scores 29 on the 0-to-100 scale across US counties but 68 across California counties, a gap of 40 points.
Period 2026-08.Show the arithmetic
- 40 = |29 across US counties - 68 across California counties|
position among the entities that published this metric this period; not an official level
watchPlacer County, CA's typical asking rent of $2,609 scores 96 on the 0-to-100 scale across US counties but 63 across California counties, a gap of 33 points.
Period 2026-08.Show the arithmetic
- 33 = |96 across US counties - 63 across California counties|
position among the entities that published this metric this period; not an official level
notePlacer County, CA's average weekly wage was 3.7% 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
- +3.7 % = 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
notePlacer County, CA's covered employment was 2.4% 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
- +2.4 % = 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
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.