Yolo County, CA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.68, -121.90.
Assembled 2026-10-06. Read the brief.
- 96th pct · 100th of 3,063 US counties · median $234,566
- 64th pct · 21st 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.
- 16th pct · 2,555th of 3,063 US counties · median +2.9%
- 26th pct · 43rd 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.
- 92nd pct · 107th of 1,399 US counties · median $1,496
- 50th pct · 25th 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.
- 91st pct · 283rd of 3,221 US counties · median 8,232
- 57th pct · 25th 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 · 199th of 3,221 US counties · median $1,039
- 82nd pct · 11th 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.
- 91st pct · 247th of 3,063 US counties · median 4.3
- 57th pct · 25th 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 $617,754 (Aug 2026), -0.7% over one year, +6.4% over five
- 96th pct · 100th of 3,063 US counties · median $234,566
- 64th pct · 21st 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 |
|---|---|---|
| Yolo County, CA | $617,754 · -0.7% 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 $2,340/mo (Aug 2026), +2.1% over one year; price-to-rent 22.0
- 92nd pct · 107th of 1,399 US counties · median $1,496
- 50th pct · 25th 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 |
|---|---|---|
| Yolo County, CA | $2,340/mo · +2.1% 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 $3,381 a month on $617,754 at 7.28%, against an average weekly wage worth $6,695 a month: 50.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $617,754 × 80% = $494,203, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $3,381/mo principal and interest
- wage share = payment / (avg weekly wage $1,545 × 52 / 12 = $6,695) = 51% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $617,754 / ($1,545 × 52) = 7.7
- price-to-rent = $617,754 / ($2,340 × 12) = 22.0
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 #
106,896 jobs at 8,505 employers (2026 Q1); -1.1% jobs and +0.8% average weekly wage over the year
- 91st pct · 283rd of 3,221 US counties · median 8,232
- 57th pct · 25th 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 |
|---|---|---|
| Yolo County, CA | 106,896 jobs · $1,545/wk · -1.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 11,857 | $1,178 | 0.74 | +2.7% |
| Retail trade | 8,091 | $848 | 0.78 | +2.2% |
| Transportation and warehousing | 7,165 | $1,262 | 1.59 | -2.2% |
| Accommodation and food services | 6,808 | $565 | 0.71 | +0.7% |
| Manufacturing | 6,070 | $1,726 | 0.71 | -6.8% |
| Construction | 4,469 | $1,777 | 0.80 | -3.5% |
| Professional and technical services | 4,300 | $1,975 | 0.58 | -1.6% |
| Administrative and waste services | 3,236 | $1,017 | 0.53 | -7.9% |
| Other services | 2,410 | $994 | 0.75 | +0.0% |
| Arts, entertainment and recreation | 1,571 | $396 | 0.89 | +2.4% |
| Real estate and rental | 1,283 | $1,430 | 0.78 | -3.0% |
| Management of companies | 997 | $2,766 | 0.56 | -0.6% |
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 #
2 USGS reservoir gauges, no capacity figures to weight
Sites found: 2, 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) | 71 km |
| TULLOCH RES NR KNIGHTS FERRY CA | 57,680 Acre-ft (USGS, no capacity on file) | 144 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 #
127 gauges · 0 flooding · 90 with quality panels averaging 88 % · 79 stale
Sites found: 127, 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 | 68 km |
| CARQUINEZ STRAIT A CARQUINEZ BR NR CROCKETT CA | turb. 8.40 FNU · quality 67 % (3) | 74 km |
| USGS-380711121323401 | turb. 9.70 FNU · quality 80 % (5) · STALE | 70 km |
| SUISUN BAY A BENICIA BRIDGE NR BENICIA CA | turb. 29.1 FNU · quality 50 % (3) | 73 km |
| USGS-381154121545401 | turb. 46.9 FNU · quality 70 % (5) · STALE | 54 km |
| USGS-381142122015801 | flow -222.0 ft³/s · quality 80 % (5) | 55 km |
| SACRAMENTO R A FREEPORT CA | flow 17,900 ft³/s · quality 80 % (5) | 43 km |
| SUISUN BAY A VAN SICKLE ISLAND NR PITTSBURG CA | turb. 36.1 FNU · quality 70 % (5) · STALE | 70 km |
| USGS-381241121542601 | turb. 48.4 FNU · quality 50 % (5) · STALE | 52 km |
| SUISUN SLOUGH A JOICE ISLAND NR CORDELIA CA | turb. 157.0 FNU · quality 70 % (5) · STALE | 61 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 | 37 km |
| USGS-385501121361902 | depth 10.5 ft · 1997-12-28 | 37 km |
| USGS-385501121361901 | depth 10.7 ft · 1997-12-28 | 37 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 (0.04)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.12 / 0.55
Banks & federal dollars #
$5.0 bn in deposits at 26 offices of 11 banks (SOD June 2026); HHI 1,799, moderately concentrated. $1.2 bn federal obligations in FY2026 (direct payments $1.0 bn, grants $140.2 m), $11,179 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $1.2 bn · 24.2% share · 3 offices | |
| Bank of America, National Association | $1.1 bn · 21.0% share · 4 offices | |
| JPMorgan Chase Bank, National Association | $1.0 bn · 20.5% share · 3 offices | |
| Yolo, CA | $1.2 bn FY2026 · $11,179/job | |
| MULTIPLE RECIPIENTS | $884.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $1,212,755,000 | 24.2% | 3 |
| Bank of America, National Association | $1,054,178,000 | 21.0% | 4 |
| JPMorgan Chase Bank, National Association | $1,030,807,000 | 20.5% | 3 |
| First Northern Bank of Dixon | $823,777,000 | 16.4% | 5 |
| U.S. Bank National Association | $403,808,000 | 8.0% | 3 |
| Columbia Bank | $116,300,000 | 2.3% | 1 |
| River City Bank | $95,435,000 | 1.9% | 2 |
| Tri Counties Bank | $81,002,000 | 1.6% | 1 |
| BMO Bank National Association | $79,486,000 | 1.6% | 1 |
| Banner Bank | $60,136,000 | 1.2% | 1 |
Deposit concentration is 1,799 across 11 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 24.2² + 21.0² + 20.5² + … (8 more) = 1,799
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 | $794,210,110 |
| Department of Education | $92,701,196 |
| Department of Veterans Affairs | $87,661,945 |
| Department of Transportation | $50,334,088 |
| Department of Agriculture | $46,620,069 |
| Department of Housing and Urban Development | $34,516,468 |
| National Science Foundation | $29,733,936 |
| Department of Defense | $25,114,018 |
| Department of Health and Human Services | $14,034,067 |
| Department of the Interior | $8,426,456 |
| Department of Energy | $3,694,261 |
| Railroad Retirement Board | $2,882,833 |
That is $11,179 per covered job, against 106,896 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.2 bn / 106,896 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $11,179
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 #
Yolo County, CA: 16 findings, 7 at a watch level and 9 noted
watchYolo County, CA's years of wages of 7.7 ranks 247th 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 = 91.96603527106465 >= 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
watchYolo County, CA's covered employment is -1.1% 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 = -1.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchYolo County, CA's typical home value is -0.7% 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 = -0.6699806916458743 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchYolo County, CA's typical asking rent of $2,340 scores 92 on the 0-to-100 scale across US counties but 50 across California counties, a gap of 42 points.
Period 2026-08.Show the arithmetic
- 42 = |92 across US counties - 50 across California counties|
position among the entities that published this metric this period; not an official level
watchYolo County, CA's years of wages of 7.7 scores 92 on the 0-to-100 scale across US counties but 58 across California counties, a gap of 34 points.
Period 2026-08.Show the arithmetic
- 34 = |92 across US counties - 58 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.