Tehama County, CA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.13, -122.23.
Assembled 2026-10-06. Read the brief.
- 74th pct · 794th of 3,063 US counties · median $234,566
- 8th pct · 53rd of 58 California counties · median $500,264
- 54th pct · 1,391st of 3,063 US counties · median +2.9%
- 84th pct · 10th of 58 California counties · median +0.3%
- 55th pct · 622nd of 1,399 US counties · median $1,496
- 6th pct · 46th of 49 California counties · median $2,340
- 70th pct · 942nd of 3,221 US counties · median 8,232
- 31st pct · 40th of 58 California counties · median 74,865
- 72nd pct · 890th of 3,221 US counties · median $1,039
- 38th pct · 36th of 58 California counties · median $1,206
- 69th pct · 948th of 3,063 US counties · median 4.3
- 7th pct · 54th 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 $321,481 (Aug 2026), +3.3% over one year, +5.0% over five
- 74th pct · 794th of 3,063 US counties · median $234,566
- 8th pct · 53rd of 58 California counties · median $500,264
| Item | Value | Distance |
|---|---|---|
| Tehama County, CA | $321,481 · +3.3% 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 $1,557/mo (Aug 2026), +2.5% over one year; price-to-rent 17.2
- 55th pct · 622nd of 1,399 US counties · median $1,496
- 6th pct · 46th of 49 California counties · median $2,340
| Item | Value | Distance |
|---|---|---|
| Tehama County, CA | $1,557/mo · +2.5% 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 $1,760 a month on $321,481 at 7.28%, against an average weekly wage worth $5,057 a month: 34.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $321,481 × 80% = $257,185, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,760/mo principal and interest
- wage share = payment / (avg weekly wage $1,167 × 52 / 12 = $5,057) = 35% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $321,481 / ($1,167 × 52) = 5.3
- price-to-rent = $321,481 / ($1,557 × 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 #
19,524 jobs at 2,668 employers (2026 Q1); +1.6% jobs and +4.7% average weekly wage over the year
- 70th pct · 942nd of 3,221 US counties · median 8,232
- 31st pct · 40th of 58 California counties · median 74,865
| Item | Value | Distance |
|---|---|---|
| Tehama County, CA | 19,524 jobs · $1,167/wk · +1.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 3,401 | $1,008 | 1.16 | -4.7% |
| Manufacturing | 1,984 | $1,276 | 1.26 | +5.6% |
| Retail trade | 1,945 | $796 | 1.02 | -4.3% |
| Transportation and warehousing | 1,926 | $1,498 | 2.34 | +17.8% |
| Accommodation and food services | 1,184 | $491 | 0.67 | +3.7% |
| Construction | 973 | $2,233 | 0.95 | +1.5% |
| Other services | 338 | $918 | 0.58 | -0.6% |
| Administrative and waste services | 322 | $1,049 | 0.29 | -1.5% |
| Professional and technical services | 203 | $1,504 | 0.15 | -17.8% |
| Finance and insurance | 168 | $1,861 | 0.21 | +0.6% |
| Wholesale trade | 146 | $1,297 | 0.20 | -28.4% |
| Utilities | 140 | $4,138 | 1.82 | +6.9% |
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 #
$1.0 bn in deposits at 13 offices of 8 banks (SOD June 2026); HHI 1,457, moderately concentrated. $439.6 m federal obligations in FY2026 (direct payments $369.5 m, grants $54.3 m), $22,515 per covered job
| Item | Value | Distance |
|---|---|---|
| U.S. Bank National Association | $190.8 m · 19.1% share · 2 offices | |
| Wells Fargo Bank, National Association | $176.2 m · 17.6% share · 1 office | |
| Columbia Bank | $161.4 m · 16.1% share · 3 offices | |
| Tehama, CA | $439.6 m FY2026 · $22,515/job | |
| MULTIPLE RECIPIENTS | $358.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| U.S. Bank National Association | $190,802,000 | 19.1% | 2 |
| Wells Fargo Bank, National Association | $176,231,000 | 17.6% | 1 |
| Columbia Bank | $161,405,000 | 16.1% | 3 |
| Banner Bank | $139,965,000 | 14.0% | 2 |
| Plumas Bank | $139,450,000 | 13.9% | 1 |
| JPMorgan Chase Bank, National Association | $82,938,000 | 8.3% | 1 |
| Mechanics Bank | $67,357,000 | 6.7% | 2 |
| Tri Counties Bank | $42,119,000 | 4.2% | 1 |
Deposit concentration is 1,457 across 8 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 19.1² + 17.6² + 16.1² + … (5 more) = 1,457
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 | $323,567,584 |
| Department of Transportation | $46,655,084 |
| Department of Veterans Affairs | $34,157,008 |
| Department of Agriculture | $19,494,521 |
| Department of Health and Human Services | $7,052,675 |
| Department of the Interior | $5,940,337 |
| Department of Housing and Urban Development | $1,044,527 |
| Federal Communications Commission | $687,831 |
| Railroad Retirement Board | $674,018 |
| Department of Education | $219,213 |
| Department of Energy | $128,899 |
| Department of Defense | $1,511 |
That is $22,515 per covered job, against 19,524 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $439.6 m / 19,524 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,515
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 | -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 #
Tehama County, CA: 13 findings, 5 at a watch level and 8 noted
watchTehama County, CA's typical home value of $321,481 scores 74 on the 0-to-100 scale across US counties but 9 across California counties, a gap of 65 points.
Period 2026-08.Show the arithmetic
- 65 = |74 across US counties - 9 across California counties|
position among the entities that published this metric this period; not an official level
watchTehama County, CA's years of wages of 5.3 scores 69 on the 0-to-100 scale across US counties but 7 across California counties, a gap of 62 points.
Period 2026-08.Show the arithmetic
- 62 = |69 across US counties - 7 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
watchTehama County, CA's typical asking rent of $1,557 scores 56 on the 0-to-100 scale across US counties but 6 across California counties, a gap of 49 points.
Period 2026-08.Show the arithmetic
- 49 = |56 across US counties - 6 across California counties|
position among the entities that published this metric this period; not an official level
watchTehama County, CA's covered employment of 19,524 scores 71 on the 0-to-100 scale across US counties but 32 across California counties, a gap of 39 points.
Period 2026 Q1.Show the arithmetic
- 39 = |71 across US counties - 32 across California counties|
position among the entities that published this metric this period; not an official level
watchTehama County, CA's average weekly wage of $1,167 scores 72 on the 0-to-100 scale across US counties but 39 across California counties, a gap of 34 points.
Period 2026 Q1.Show the arithmetic
- 34 = |72 across US counties - 39 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.