San Joaquin County, CA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.94, -121.27.
Assembled 2026-10-06. Read the brief.
- 94th pct · 171st of 3,063 US counties · median $234,566
- 54th pct · 27th of 58 California counties · median $500,264
- counties in the Stockton-Lodi metro: Rank context is unavailable: the manifest lists 1 counties in the Stockton-Lodi metro; fewer than 5 is too few to rank.
- 8th pct · 2,797th of 3,063 US counties · median +2.9%
- 0th pct · 58th of 58 California counties · median +0.3%
- counties in the Stockton-Lodi metro: Rank context is unavailable: the manifest lists 1 counties in the Stockton-Lodi metro; fewer than 5 is too few to rank.
- 93rd pct · 91st of 1,399 US counties · median $1,496
- 52nd pct · 24th of 49 California counties · median $2,340
- counties in the Stockton-Lodi metro: Rank context is unavailable: the manifest lists 1 counties in the Stockton-Lodi metro; fewer than 5 is too few to rank.
- 96th pct · 111th of 3,221 US counties · median 8,232
- 75th pct · 15th of 58 California counties · median 74,865
- counties in the Stockton-Lodi metro: Rank context is unavailable: the manifest lists 1 counties in the Stockton-Lodi metro; fewer than 5 is too few to rank.
- 79th pct · 672nd of 3,221 US counties · median $1,039
- 54th pct · 27th of 58 California counties · median $1,206
- counties in the Stockton-Lodi metro: Rank context is unavailable: the manifest lists 1 counties in the Stockton-Lodi metro; fewer than 5 is too few to rank.
- 93rd pct · 198th of 3,063 US counties · median 4.3
- 61st pct · 23rd of 58 California counties · median 7.4
- counties in the Stockton-Lodi metro: Rank context is unavailable: the manifest lists 1 counties in the Stockton-Lodi 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 $524,307 (Aug 2026), -2.5% over one year, +2.4% over five
- 94th pct · 171st of 3,063 US counties · median $234,566
- 54th pct · 27th of 58 California counties · median $500,264
- counties in the Stockton-Lodi metro: Rank context is unavailable: the manifest lists 1 counties in the Stockton-Lodi metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| San Joaquin County, CA | $524,307 · -2.5% 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 $2,424/mo (Aug 2026), +1.3% over one year; price-to-rent 18.0
- 93rd pct · 91st of 1,399 US counties · median $1,496
- 52nd pct · 24th of 49 California counties · median $2,340
- counties in the Stockton-Lodi metro: Rank context is unavailable: the manifest lists 1 counties in the Stockton-Lodi metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| San Joaquin County, CA | $2,424/mo · +1.3% 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 $2,870 a month on $524,307 at 7.28%, against an average weekly wage worth $5,330 a month: 53.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $524,307 × 80% = $419,445, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,870/mo principal and interest
- wage share = payment / (avg weekly wage $1,230 × 52 / 12 = $5,330) = 54% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $524,307 / ($1,230 × 52) = 8.2
- price-to-rent = $524,307 / ($2,424 × 12) = 18.0
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 #
289,010 jobs at 24,082 employers (2026 Q1); +1.3% jobs and +1.4% average weekly wage over the year
- 96th pct · 111th of 3,221 US counties · median 8,232
- 75th pct · 15th of 58 California counties · median 74,865
- counties in the Stockton-Lodi metro: Rank context is unavailable: the manifest lists 1 counties in the Stockton-Lodi metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| San Joaquin County, CA | 289,010 jobs · $1,230/wk · +1.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 42,790 | $1,210 | 0.98 | +8.4% |
| Transportation and warehousing | 40,501 | $1,103 | 3.32 | -8.5% |
| Retail trade | 25,897 | $838 | 0.92 | -0.7% |
| Manufacturing | 24,355 | $1,562 | 1.05 | +9.6% |
| Accommodation and food services | 21,816 | $603 | 0.84 | +1.9% |
| Construction | 13,773 | $1,606 | 0.91 | -0.1% |
| Administrative and waste services | 13,641 | $956 | 0.83 | -4.6% |
| Wholesale trade | 12,300 | $1,491 | 1.11 | -0.9% |
| Agriculture, forestry, fishing | 11,226 | $868 | 5.38 | -0.5% |
| Other services | 7,911 | $879 | 0.92 | +4.3% |
| Professional and technical services | 5,356 | $1,467 | 0.27 | -1.2% |
| Educational services | 5,033 | $863 | 0.81 | +1.1% |
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 #
No drought class at this point (USDM covers the United States only)
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 #
7 USGS reservoir gauges, no capacity figures to weight
Sites found: 7, 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 | 58,450 Acre-ft (USGS, no capacity on file) | 59 km |
| DON PEDRO RES NR LA GRANGE CA | 1,523,000 Acre-ft (USGS, no capacity on file) | 79 km |
| BEARDSLEY LAKE NEAR STRAWBERRY CA | 60,070 Acre-ft (USGS, no capacity on file) | 109 km |
| CHERRY LK NR HETCH HETCHY CA | 238,800 Acre-ft (USGS, no capacity on file) | 119 km |
| LK ELEANOR NR HETCH HETCHY CA | 16,550 Acre-ft (USGS, no capacity on file) | 122 km |
| DONNELL LK NR DARDANELLE CA | 21,330 Acre-ft (USGS, no capacity on file) | 123 km |
| HETCH HETCHY RES A HETCH HETCHY CA | 282,000 Acre-ft (USGS, no capacity on file) | 130 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 #
209 gauges · 0 flooding · 104 with quality panels averaging 91 % · 90 stale
Sites found: 209, 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-380548121390501 | turb. 13.4 FNU · quality 80 % (5) · STALE | 38 km |
| USGS-380711121323401 | turb. 9.70 FNU · quality 80 % (5) · STALE | 31 km |
| USGS-381154121545401 | turb. 46.9 FNU · quality 70 % (5) · STALE | 63 km |
| USGS-380807122034701 | turb. 115.0 FNU · quality 20 % (5) | 73 km |
| SUISUN BAY A VAN SICKLE ISLAND NR PITTSBURG CA | turb. 36.1 FNU · quality 70 % (5) · STALE | 55 km |
| USGS-381241121542601 | turb. 48.4 FNU · quality 50 % (5) · STALE | 64 km |
| SUISUN SLOUGH A JOICE ISLAND NR CORDELIA CA | turb. 157.0 FNU · quality 70 % (5) · STALE | 73 km |
| SACRAMENTO R A CHANNEL MARKER 5 A COLLINSVILLE CA | turb. 39.4 FNU · quality 50 % (3) · STALE | 51 km |
| USGS-380631122032201 | turb. 329.0 FNU · quality 60 % (5) · STALE | 71 km |
| USGS-380337122000301 | turb. 19.4 FNU · quality 67 % (3) · STALE | 65 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 (0.03)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.09 / 0.55
Banks & federal dollars #
$15.7 bn in deposits at 88 offices of 15 banks (SOD June 2026); HHI 1,289, moderately concentrated. $4.0 bn federal obligations in FY2026 (direct payments $3.3 bn, contracts $473.2 m), $13,766 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $2.9 bn · 18.3% share · 10 offices | |
| Bank of America, National Association | $2.5 bn · 15.8% share · 8 offices | |
| Bank of Stockton | $2.4 bn · 15.0% share · 8 offices | |
| San Joaquin, CA | $4.0 bn FY2026 · $13,766/job | |
| MULTIPLE RECIPIENTS | $3.1 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $2,870,925,000 | 18.3% | 10 |
| Bank of America, National Association | $2,471,530,000 | 15.8% | 8 |
| Bank of Stockton | $2,351,560,000 | 15.0% | 8 |
| Farmers & Merchants Bank of Central California | $2,217,559,000 | 14.1% | 11 |
| JPMorgan Chase Bank, National Association | $2,176,220,000 | 13.9% | 9 |
| BMO Bank National Association | $1,015,055,000 | 6.5% | 11 |
| PNC Bank, National Association | $607,998,000 | 3.9% | 7 |
| U.S. Bank National Association | $530,041,000 | 3.4% | 7 |
| Oak Valley Community Bank | $526,023,000 | 3.4% | 6 |
| BAC Community Bank | $433,976,000 | 2.8% | 3 |
Deposit concentration is 1,289 across 15 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 15 banks with deposits in the county = 18.3² + 15.8² + 15.0² + … (12 more) = 1,289
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 | $2,756,384,029 |
| Department of Veterans Affairs | $346,140,103 |
| Department of Defense | $306,019,150 |
| Department of Agriculture | $209,989,142 |
| Department of Housing and Urban Development | $111,233,003 |
| Department of Transportation | $73,899,774 |
| Department of Education | $53,144,678 |
| Department of Health and Human Services | $48,547,998 |
| Department of Energy | $32,925,952 |
| Railroad Retirement Board | $18,033,510 |
| Federal Communications Commission | $13,073,120 |
| Environmental Protection Agency | $5,576,972 |
That is $13,766 per covered job, against 289,010 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $4.0 bn / 289,010 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $13,766
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 #
San Joaquin County, CA: 14 findings, 5 at a watch level and 9 noted
watchSan Joaquin County, CA's years of wages of 8.2 ranks 198th 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 = 93.56629653821032 >= 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
watchSan Joaquin County, CA's typical home value is -2.5% 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 = -2.4734382289705494 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchSan Joaquin County, CA's typical asking rent of $2,424 scores 94 on the 0-to-100 scale across US counties but 52 across California counties, a gap of 41 points.
Period 2026-08.Show the arithmetic
- 41 = |94 across US counties - 52 across California counties|
position among the entities that published this metric this period; not an official level
watchSan Joaquin County, CA's typical home value of $524,307 scores 94 on the 0-to-100 scale across US counties but 54 across California counties, a gap of 40 points.
Period 2026-08.Show the arithmetic
- 40 = |94 across US counties - 54 across California counties|
position among the entities that published this metric this period; not an official level
watchSan Joaquin County, CA's years of wages of 8.2 scores 94 on the 0-to-100 scale across US counties but 61 across California counties, a gap of 32 points.
Period 2026-08.Show the arithmetic
- 32 = |94 across US counties - 61 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.