Yuba County, CA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.27, -121.34.
Assembled 2026-10-06. Read the brief.
- 88th pct · 366th of 3,063 US counties · median $234,566
- 38th pct · 36th 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.
- 13th pct · 2,639th of 3,063 US counties · median +2.9%
- 17th pct · 48th 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.
- 89th pct · 153rd of 1,399 US counties · median $1,496
- 45th pct · 27th 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.
- 72nd pct · 897th of 3,221 US counties · median 8,232
- 33rd pct · 39th 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.
- 89th pct · 354th of 3,221 US counties · median $1,039
- 68th pct · 19th 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.
- 77th pct · 703rd of 3,063 US counties · median 4.3
- 14th pct · 50th 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 $419,371 (Aug 2026), -1.2% over one year, +7.2% over five
- 88th pct · 366th of 3,063 US counties · median $234,566
- 38th pct · 36th 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 |
|---|---|---|
| Yuba County, CA | $419,371 · -1.2% 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 $2,167/mo (Aug 2026), -0.3% over one year; price-to-rent 16.1
- 89th pct · 153rd of 1,399 US counties · median $1,496
- 45th pct · 27th 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 |
|---|---|---|
| Yuba County, CA | $2,167/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 $2,296 a month on $419,371 at 7.28%, against an average weekly wage worth $5,997 a month: 38.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $419,371 × 80% = $335,497, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,296/mo principal and interest
- wage share = payment / (avg weekly wage $1,384 × 52 / 12 = $5,997) = 38% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $419,371 / ($1,384 × 52) = 5.8
- price-to-rent = $419,371 / ($2,167 × 12) = 16.1
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 #
20,764 jobs at 2,220 employers (2026 Q1); 0.0% jobs and +3.0% average weekly wage over the year
- 72nd pct · 897th of 3,221 US counties · median 8,232
- 33rd pct · 39th 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 |
|---|---|---|
| Yuba County, CA | 20,764 jobs · $1,384/wk · 0.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,839 | $791 | 0.91 | +3.5% |
| Accommodation and food services | 1,313 | $574 | 0.70 | +1.2% |
| Construction | 1,024 | $1,453 | 0.94 | +8.2% |
| Manufacturing | 810 | $1,913 | 0.48 | -2.3% |
| Administrative and waste services | 526 | $1,180 | 0.45 | +4.2% |
| Transportation and warehousing | 295 | $1,213 | 0.34 | -3.3% |
| Other services | 271 | $850 | 0.44 | +12.0% |
| Arts, entertainment and recreation | 218 | $610 | 0.64 | +6.9% |
| Real estate and rental | 118 | $1,022 | 0.37 | +13.5% |
| Finance and insurance | 78 | $1,325 | 0.09 | -4.9% |
| Information | 50 | $1,075 | 0.13 | +25.0% |
| Unclassified | 23 | $610 | 0.52 | +27.8% |
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 #
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 |
|---|---|---|
| DONNER LK NR TRUCKEE CA | 7,036 Acre-ft (USGS, no capacity on file) | 92 km |
| INDEPENDENCE LK NR TRUCKEE CA | 15,270 Acre-ft (USGS, no capacity on file) | 93 km |
| PROSSER C RES NR TRUCKEE CA | 14,510 Acre-ft (USGS, no capacity on file) | 104 km |
| INDIAN VALLEY RES A CLEARLAKE OAKS CA | 203,100 Acre-ft (USGS, no capacity on file) | 105 km |
| BOCA RES NR TRUCKEE CA | 16,050 Acre-ft (USGS, no capacity on file) | 108 km |
| STAMPEDE RES NR BOCA CA | 143,100 Acre-ft (USGS, no capacity on file) | 109 km |
| MARLETTE LAKE NR CARSON CITY, NV | 18.4 ft (USGS, no capacity on file) | 124 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 #
25 gauges · 0 flooding · 14 with quality panels averaging 90 % · 3 stale
Sites found: 25, 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) | 72 km |
| USGS-384115121402501 | turb. 353.0 FNU · quality 67 % (3) | 71 km |
| CACHE C OVERFLOW WEIR FROM SETTLING BAS NR WOOD'LD | flow 0.00 ft³/s · quality 80 % (5) | 71 km |
| DEER C NR SMARTSVILLE CA | flow 6.08 ft³/s | 8 km |
| YUBA R NR MARYSVILLE CA | flow 689.0 ft³/s | 19 km |
| DRY C NR WHEATLAND CA | stage 8.62 ft | 28 km |
| BEAR R NR WHEATLAND CA | flow 21.8 ft³/s | 30 km |
| N YUBA R BL GOODYEARS BAR CA | flow 123.0 ft³/s | 45 km |
| NF AMERICAN R A NORTH FORK DAM CA | flow 92.5 ft³/s | 46 km |
| NF AMERICAN R A AUBURN DAM SITE NR AUBURN CA | temp 19.2 °C · quality 100 % (1) | 49 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 | 45 km |
| USGS-385501121361902 | depth 10.5 ft · 1997-12-28 | 45 km |
| USGS-385501121361901 | depth 10.7 ft · 1997-12-28 | 45 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 + 0.2×0.10 / 0.55
Banks & federal dollars #
$655.9 m in deposits at 4 offices of 4 banks (SOD June 2026); HHI 4,596, highly concentrated. $469.8 m federal obligations in FY2026 (direct payments $402.6 m, contracts $57.0 m), $22,624 per covered job
| Item | Value | Distance |
|---|---|---|
| JPMorgan Chase Bank, National Association | $419.4 m · 63.9% share · 1 office | |
| River Valley Community Bank | $114.7 m · 17.5% share · 1 office | |
| Columbia Bank | $85.4 m · 13.0% share · 1 office | |
| Yuba, CA | $469.8 m FY2026 · $22,624/job | |
| MULTIPLE RECIPIENTS | $396.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | $419,413,000 | 63.9% | 1 |
| River Valley Community Bank | $114,749,000 | 17.5% | 1 |
| Columbia Bank | $85,351,000 | 13.0% | 1 |
| Tri Counties Bank | $36,340,000 | 5.5% | 1 |
Deposit concentration is 4,596 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 63.9² + 17.5² + 13.0² + … (1 more) = 4,596
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 | $301,891,493 |
| Department of Veterans Affairs | $92,696,389 |
| Department of Defense | $46,432,293 |
| General Services Administration | $8,463,765 |
| Department of Agriculture | $4,681,644 |
| Department of Health and Human Services | $4,241,842 |
| Department of Education | $3,078,880 |
| Department of Housing and Urban Development | $2,775,597 |
| Department of Transportation | $2,594,763 |
| Railroad Retirement Board | $1,714,559 |
| Department of Energy | $536,600 |
| Department of the Interior | $400,135 |
That is $22,624 per covered job, against 20,764 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $469.8 m / 20,764 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,624
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 | 2026-10-05 | +0.1% |
| 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 #
Yuba County, CA: 11 findings, 6 at a watch level and 5 noted
watchYuba County, CA's typical home value is -1.2% 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 = -1.2137803553170836 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchYuba County, CA's years of wages of 5.8 scores 77 on the 0-to-100 scale across US counties but 14 across California counties, a gap of 63 points.
Period 2026-08.Show the arithmetic
- 63 = |77 across US counties - 14 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
watchYuba County, CA's typical home value of $419,371 scores 88 on the 0-to-100 scale across US counties but 39 across California counties, a gap of 49 points.
Period 2026-08.Show the arithmetic
- 49 = |88 across US counties - 39 across California counties|
position among the entities that published this metric this period; not an official level
watchYuba County, CA's typical asking rent of $2,167 scores 89 on the 0-to-100 scale across US counties but 46 across California counties, a gap of 43 points.
Period 2026-08.Show the arithmetic
- 43 = |89 across US counties - 46 across California counties|
position among the entities that published this metric this period; not an official level
watchYuba County, CA's covered employment of 20,764 scores 72 on the 0-to-100 scale across US counties but 33 across California counties, a gap of 39 points.
Period 2026 Q1.Show the arithmetic
- 39 = |72 across US counties - 33 across California counties|
position among the entities that published this metric this period; not an official level
Read all 11 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.