Sutter County, CA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.04, -121.70.
Assembled 2026-10-06. Read the brief.
- 89th pct · 329th of 3,063 US counties · median $234,566
- 45th pct · 32nd of 58 California counties · median $500,264
- counties in the Yuba City metro: Rank context is unavailable: the manifest lists 2 counties in the Yuba City metro; fewer than 5 is too few to rank.
- 24th pct · 2,300th of 3,063 US counties · median +2.9%
- 56th pct · 26th of 58 California counties · median +0.3%
- counties in the Yuba City metro: Rank context is unavailable: the manifest lists 2 counties in the Yuba City metro; fewer than 5 is too few to rank.
- 87th pct · 171st of 1,399 US counties · median $1,496
- 41st pct · 29th of 49 California counties · median $2,340
- counties in the Yuba City metro: Rank context is unavailable: the manifest lists 2 counties in the Yuba City metro; fewer than 5 is too few to rank.
- 78th pct · 694th of 3,221 US counties · median 8,232
- 36th pct · 37th of 58 California counties · median 74,865
- counties in the Yuba City metro: Rank context is unavailable: the manifest lists 2 counties in the Yuba City metro; fewer than 5 is too few to rank.
- 60th pct · 1,259th of 3,221 US counties · median $1,039
- 17th pct · 48th of 58 California counties · median $1,206
- counties in the Yuba City metro: Rank context is unavailable: the manifest lists 2 counties in the Yuba City metro; fewer than 5 is too few to rank.
- 91st pct · 253rd of 3,063 US counties · median 4.3
- 56th pct · 26th of 58 California counties · median 7.4
- counties in the Yuba City metro: Rank context is unavailable: the manifest lists 2 counties in the Yuba City 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 $435,097 (Aug 2026), +0.5% over one year, +8.1% over five
- 89th pct · 329th of 3,063 US counties · median $234,566
- 45th pct · 32nd of 58 California counties · median $500,264
- counties in the Yuba City metro: Rank context is unavailable: the manifest lists 2 counties in the Yuba City metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Sutter County, CA | $435,097 · +0.5% 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 $2,113/mo (Aug 2026), +0.3% over one year; price-to-rent 17.2
- 87th pct · 171st of 1,399 US counties · median $1,496
- 41st pct · 29th of 49 California counties · median $2,340
- counties in the Yuba City metro: Rank context is unavailable: the manifest lists 2 counties in the Yuba City metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Sutter County, CA | $2,113/mo · +0.3% 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 $2,382 a month on $435,097 at 7.28%, against an average weekly wage worth $4,736 a month: 50.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $435,097 × 80% = $348,077, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,382/mo principal and interest
- wage share = payment / (avg weekly wage $1,093 × 52 / 12 = $4,736) = 50% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $435,097 / ($1,093 × 52) = 7.7
- price-to-rent = $435,097 / ($2,113 × 12) = 17.2
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 #
32,576 jobs at 4,515 employers (2026 Q1); +3.3% jobs and +2.8% average weekly wage over the year
- 78th pct · 694th of 3,221 US counties · median 8,232
- 36th pct · 37th of 58 California counties · median 74,865
- counties in the Yuba City metro: Rank context is unavailable: the manifest lists 2 counties in the Yuba City metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Sutter County, CA | 32,576 jobs · $1,093/wk · +3.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 6,014 | $1,119 | 1.23 | +7.2% |
| Retail trade | 4,019 | $759 | 1.27 | -4.0% |
| Agriculture, forestry, fishing | 2,990 | $763 | 12.71 | +0.0% |
| Accommodation and food services | 2,900 | $554 | 0.99 | -2.1% |
| Transportation and warehousing | 2,191 | $888 | 1.60 | +0.2% |
| Manufacturing | 1,434 | $1,345 | 0.55 | +4.4% |
| Construction | 1,417 | $1,285 | 0.83 | -0.8% |
| Wholesale trade | 1,209 | $1,834 | 0.97 | -2.7% |
| Administrative and waste services | 1,091 | $773 | 0.59 | +11.4% |
| Other services | 813 | $905 | 0.84 | +8.1% |
| Finance and insurance | 623 | $2,189 | 0.47 | +4.0% |
| Professional and technical services | 604 | $1,148 | 0.27 | +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 #
6 USGS reservoir gauges, no capacity figures to weight
Sites found: 6, 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 |
|---|---|---|
| INDIAN VALLEY RES A CLEARLAKE OAKS CA | 203,100 Acre-ft (USGS, no capacity on file) | 72 km |
| DONNER LK NR TRUCKEE CA | 7,028 Acre-ft (USGS, no capacity on file) | 127 km |
| INDEPENDENCE LK NR TRUCKEE CA | 15,260 Acre-ft (USGS, no capacity on file) | 130 km |
| PROSSER C RES NR TRUCKEE CA | 14,430 Acre-ft (USGS, no capacity on file) | 140 km |
| BOCA RES NR TRUCKEE CA | 15,820 Acre-ft (USGS, no capacity on file) | 144 km |
| STAMPEDE RES NR BOCA CA | 143,000 Acre-ft (USGS, no capacity on file) | 146 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 #
63 gauges · 0 flooding · 25 with quality panels averaging 91 % · 10 stale
Sites found: 63, 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 |
|---|---|---|
| CACHE C OUTFLOW FROM SETTLING BASIN NR WOODLAND CA | flow 0.00 ft³/s · quality 67 % (3) | 40 km |
| USGS-384115121402501 | turb. 353.0 FNU · quality 67 % (3) | 39 km |
| TOE DRAIN A MALLARD RD NR COURTLAND CA | flow 3,840 ft³/s · quality 80 % (5) · STALE | 75 km |
| SACRAMENTO R A FREEPORT CA | flow 13,400 ft³/s · quality 80 % (5) | 67 km |
| CACHE C OVERFLOW WEIR FROM SETTLING BAS NR WOOD'LD | flow 0.00 ft³/s · quality 80 % (5) | 39 km |
| Feather River at Boyd's Landing | no flooding | 8 km |
| Sacramento River at Tisdale Weir | no flooding | 10 km |
| SACRAMENTO R BL WILKINS SLOUGH NR GRIMES CA | flow 5,030 ft³/s · quality 100 % (1) · no flooding | 11 km |
| Feather River at Yuba City Water Treatment Plant | no flooding | 16 km |
| Feather River at Nicolaus | no flooding | 18 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 #
3 wells in 0 named aquifers:
Sites found: 3, 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-385501121361903 | depth 8.54 ft · 1997-12-28 | 16 km |
| USGS-385501121361902 | depth 10.5 ft · 1997-12-28 | 16 km |
| USGS-385501121361901 | depth 10.7 ft · 1997-12-28 | 16 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 (0.03)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.09 / 0.55
Banks & federal dollars #
$2.9 bn in deposits at 14 offices of 12 banks (SOD June 2026); HHI 1,197, moderately concentrated. $604.7 m federal obligations in FY2026 (direct payments $523.1 m, grants $41.9 m), $18,563 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $603.0 m · 20.6% share · 2 offices | |
| Bank of America, National Association | $470.6 m · 16.1% share · 1 office | |
| River Valley Community Bank | $390.6 m · 13.3% share · 1 office | |
| Sutter, CA | $604.7 m FY2026 · $18,563/job | |
| MULTIPLE RECIPIENTS | $431.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $602,957,000 | 20.6% | 2 |
| Bank of America, National Association | $470,564,000 | 16.1% | 1 |
| River Valley Community Bank | $390,610,000 | 13.3% | 1 |
| Tri Counties Bank | $277,362,000 | 9.5% | 1 |
| Columbia Bank | $238,161,000 | 8.1% | 1 |
| JPMorgan Chase Bank, National Association | $231,959,000 | 7.9% | 1 |
| U.S. Bank National Association | $194,477,000 | 6.6% | 1 |
| Five Star Bank | $172,186,000 | 5.9% | 1 |
| SoFi Bank, National Association | $144,609,000 | 4.9% | 2 |
| Plumas Bank | $84,979,000 | 2.9% | 1 |
Deposit concentration is 1,197 across 12 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 12 banks with deposits in the county = 20.6² + 16.1² + 13.3² + … (9 more) = 1,197
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 | $367,069,901 |
| Department of Agriculture | $79,292,775 |
| Department of Veterans Affairs | $63,501,530 |
| Department of Health and Human Services | $37,193,367 |
| Department of Housing and Urban Development | $24,669,604 |
| Department of Education | $14,327,959 |
| Department of Defense | $12,365,240 |
| Department of Transportation | $3,078,811 |
| Federal Communications Commission | $1,512,957 |
| Railroad Retirement Board | $1,511,614 |
| Department of Justice | $129,007 |
| Department of the Interior | $56,397 |
That is $18,563 per covered job, against 32,576 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $604.7 m / 32,576 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,563
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 | 3.00 | 2026-10-06 | -50.0% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| 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 #
Sutter County, CA: 13 findings, 8 at a watch level and 5 noted
watchSutter County, CA's years of wages of 7.7 ranks 253rd 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 = 91.77008491182234 >= 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
watchSutter County, CA's typical asking rent is -1.0% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; 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: rent.momPct = -1.0203212410865434 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level
watchSutter County, CA's typical asking rent of $2,113 scores 88 on the 0-to-100 scale across US counties but 42 across California counties, a gap of 46 points.
Period 2026-08.Show the arithmetic
- 46 = |88 across US counties - 42 across California counties|
position among the entities that published this metric this period; not an official level
watchSutter County, CA's typical home value of $435,097 scores 89 on the 0-to-100 scale across US counties but 46 across California counties, a gap of 44 points.
Period 2026-08.Show the arithmetic
- 44 = |89 across US counties - 46 across California counties|
position among the entities that published this metric this period; not an official level
watchSutter County, CA's average weekly wage of $1,093 scores 61 on the 0-to-100 scale across US counties but 18 across California counties, a gap of 43 points.
Period 2026 Q1.Show the arithmetic
- 43 = |61 across US counties - 18 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.