Stanislaus County, CA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.56, -121.00.
Assembled 2026-10-06. Read the brief.
- 91st pct · 265th of 3,063 US counties · median $234,566
- 47th pct · 31st of 58 California counties · median $500,264
- counties in the Modesto metro: Rank context is unavailable: the manifest lists 1 counties in the Modesto metro; fewer than 5 is too few to rank.
- 20th pct · 2,438th of 3,063 US counties · median +2.9%
- 40th pct · 35th of 58 California counties · median +0.3%
- counties in the Modesto metro: Rank context is unavailable: the manifest lists 1 counties in the Modesto metro; fewer than 5 is too few to rank.
- 86th pct · 196th of 1,399 US counties · median $1,496
- 35th pct · 32nd of 49 California counties · median $2,340
- counties in the Modesto metro: Rank context is unavailable: the manifest lists 1 counties in the Modesto metro; fewer than 5 is too few to rank.
- 94th pct · 165th of 3,221 US counties · median 8,232
- 70th pct · 18th of 58 California counties · median 74,865
- counties in the Modesto metro: Rank context is unavailable: the manifest lists 1 counties in the Modesto metro; fewer than 5 is too few to rank.
- 82nd pct · 576th of 3,221 US counties · median $1,039
- 63rd pct · 22nd of 58 California counties · median $1,206
- counties in the Modesto metro: Rank context is unavailable: the manifest lists 1 counties in the Modesto metro; fewer than 5 is too few to rank.
- 88th pct · 349th of 3,063 US counties · median 4.3
- 43rd pct · 33rd of 58 California counties · median 7.4
- counties in the Modesto metro: Rank context is unavailable: the manifest lists 1 counties in the Modesto 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 $463,691 (Aug 2026), -0.1% over one year, +11.1% over five
- 91st pct · 265th of 3,063 US counties · median $234,566
- 47th pct · 31st of 58 California counties · median $500,264
- counties in the Modesto metro: Rank context is unavailable: the manifest lists 1 counties in the Modesto metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Stanislaus County, CA | $463,691 · -0.1% 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 $2,068/mo (Aug 2026), +1.0% over one year; price-to-rent 18.7
- 86th pct · 196th of 1,399 US counties · median $1,496
- 35th pct · 32nd of 49 California counties · median $2,340
- counties in the Modesto metro: Rank context is unavailable: the manifest lists 1 counties in the Modesto metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Stanislaus County, CA | $2,068/mo · +1.0% 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 $2,538 a month on $463,691 at 7.28%, against an average weekly wage worth $5,482 a month: 46.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $463,691 × 80% = $370,953, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,538/mo principal and interest
- wage share = payment / (avg weekly wage $1,265 × 52 / 12 = $5,482) = 46% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $463,691 / ($1,265 × 52) = 7.0
- price-to-rent = $463,691 / ($2,068 × 12) = 18.7
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 #
196,004 jobs at 18,812 employers (2026 Q1); -0.4% jobs and +0.9% average weekly wage over the year
- 94th pct · 165th of 3,221 US counties · median 8,232
- 70th pct · 18th of 58 California counties · median 74,865
- counties in the Modesto metro: Rank context is unavailable: the manifest lists 1 counties in the Modesto metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Stanislaus County, CA | 196,004 jobs · $1,265/wk · -0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 38,049 | $1,522 | 1.29 | +3.1% |
| Retail trade | 22,131 | $835 | 1.16 | -2.9% |
| Manufacturing | 20,823 | $1,617 | 1.32 | -5.0% |
| Accommodation and food services | 17,344 | $543 | 0.98 | -2.2% |
| Construction | 10,602 | $1,440 | 1.03 | -1.1% |
| Transportation and warehousing | 8,693 | $1,159 | 1.05 | -7.7% |
| Administrative and waste services | 7,093 | $943 | 0.64 | -1.8% |
| Professional and technical services | 5,820 | $1,413 | 0.43 | +2.9% |
| Wholesale trade | 5,485 | $1,570 | 0.73 | +6.1% |
| Other services | 4,969 | $866 | 0.85 | -2.9% |
| Finance and insurance | 2,666 | $2,080 | 0.33 | +1.0% |
| Arts, entertainment and recreation | 2,049 | $484 | 0.64 | +8.1% |
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 | 58,400 Acre-ft (USGS, no capacity on file) | 49 km |
| DON PEDRO RES NR LA GRANGE CA | 1,523,000 Acre-ft (USGS, no capacity on file) | 53 km |
| CHERRY LK NR HETCH HETCHY CA | 238,800 Acre-ft (USGS, no capacity on file) | 106 km |
| BEARDSLEY LAKE NEAR STRAWBERRY CA | 60,080 Acre-ft (USGS, no capacity on file) | 108 km |
| LK ELEANOR NR HETCH HETCHY CA | 16,500 Acre-ft (USGS, no capacity on file) | 109 km |
| HETCH HETCHY RES A HETCH HETCHY CA | 281,900 Acre-ft (USGS, no capacity on file) | 115 km |
| DONNELL LK NR DARDANELLE CA | 21,160 Acre-ft (USGS, no capacity on file) | 125 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 #
102 gauges · 0 flooding · 39 with quality panels averaging 93 % · 23 stale
Sites found: 102, 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 |
|---|---|---|
| MUD SLOUGH NR GUSTINE CA | flow 40.7 ft³/s · quality 50 % (2) | 34 km |
| USGS-375713121174401 | turb. 112.0 FNU · quality 67 % (3) · STALE | 51 km |
| TUOLUMNE R A MODESTO CA | flow 210.0 ft³/s · quality 100 % (2) · no flooding | 7 km |
| San Joaquin River at Patterson | no flooding | 10 km |
| Dry Creek at Modesto | no readings | 13 km |
| SAN JOAQUIN R NR CROWS LANDING CA | flow 256.0 ft³/s · quality 100 % (2) | 14 km |
| ORESTIMBA CR AT RIVER RD NR CROWS LANDING CA | flow 0.00 ft³/s · quality 100 % (2) · STALE | 17 km |
| DEL PUERTO C NR PATTERSON CA | flow 0.00 ft³/s | 20 km |
| STANISLAUS R A RIPON CA | flow 588.0 ft³/s · quality 100 % (2) · no flooding | 21 km |
| Merced River at Stevinson | no flooding | 22 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 + 0.2×0.07 / 0.55
Banks & federal dollars #
$11.5 bn in deposits at 77 offices of 17 banks (SOD June 2026); HHI 1,118, moderately concentrated. $2.7 bn federal obligations in FY2026 (direct payments $2.5 bn, contracts $153.8 m), $13,900 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $2.0 bn · 17.1% share · 9 offices | |
| JPMorgan Chase Bank, National Association | $1.9 bn · 16.2% share · 8 offices | |
| Bank of America, National Association | $1.8 bn · 15.7% share · 7 offices | |
| Stanislaus, CA | $2.7 bn FY2026 · $13,900/job | |
| MULTIPLE RECIPIENTS | $2.3 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $1,967,350,000 | 17.1% | 9 |
| JPMorgan Chase Bank, National Association | $1,858,804,000 | 16.2% | 8 |
| Bank of America, National Association | $1,807,497,000 | 15.7% | 7 |
| BMO Bank National Association | $1,081,616,000 | 9.4% | 11 |
| Farmers & Merchants Bank of Central California | $1,074,411,000 | 9.4% | 6 |
| Oak Valley Community Bank | $776,604,000 | 6.8% | 7 |
| Bank of Stockton | $663,097,000 | 5.8% | 4 |
| U.S. Bank National Association | $504,711,000 | 4.4% | 5 |
| Citibank, National Association | $486,000,000 | 4.2% | 3 |
| PNC Bank, National Association | $332,393,000 | 2.9% | 3 |
Deposit concentration is 1,118 across 17 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 17 banks with deposits in the county = 17.1² + 16.2² + 15.7² + … (14 more) = 1,118
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 | $2,062,140,834 |
| Department of Veterans Affairs | $218,392,818 |
| Department of Agriculture | $185,918,985 |
| Department of Education | $91,678,667 |
| Department of Transportation | $82,569,650 |
| Department of Housing and Urban Development | $82,124,673 |
| Department of Health and Human Services | $33,140,196 |
| Department of Defense | $14,134,857 |
| Federal Communications Commission | $9,169,319 |
| Railroad Retirement Board | $5,058,363 |
| Environmental Protection Agency | $4,516,542 |
| Department of Justice | $4,351,336 |
That is $13,900 per covered job, against 196,004 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $2.7 bn / 196,004 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $13,900
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 #
Stanislaus County, CA: 13 findings, 6 at a watch level and 7 noted
watchStanislaus County, CA's covered employment is -0.4% against a year earlier, a watch level here: covered employment below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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 Q1.Show the arithmetic
- test: jobs.yoy.emp = -0.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchStanislaus County, CA's typical home value is -0.1% 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 = -0.05319718540833584 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchStanislaus County, CA's typical asking rent of $2,068 scores 86 on the 0-to-100 scale across US counties but 35 across California counties, a gap of 51 points.
Period 2026-08.Show the arithmetic
- 51 = |86 across US counties - 35 across California counties|
position among the entities that published this metric this period; not an official level
watchStanislaus County, CA's years of wages of 7.0 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|
- 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
watchStanislaus County, CA's typical home value of $463,691 scores 91 on the 0-to-100 scale across US counties but 47 across California counties, a gap of 44 points.
Period 2026-08.Show the arithmetic
- 44 = |91 across US counties - 47 across California counties|
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.