FIPS 09160, CT
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.85, -73.22.
Assembled 2026-10-02. Read the brief.
- US counties: not published this period
- US counties: not published this period
- US counties: not published this period
- 80th pct · 637th of 3,221 US counties · median 8,232
- 82nd pct · 553rd of 3,221 US counties · median $1,039
- US counties: not published this period
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 #
No Zillow home value index for this area
- US counties: not published this period
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 #
No rent index for this area
- US counties: not published this period
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 #
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 #
36,784 jobs at 4,732 employers (2026 Q1); -1.1% jobs and +0.1% average weekly wage over the year
- 80th pct · 637th of 3,221 US counties · median 8,232
| Item | Value | Distance |
|---|---|---|
| Northwest Hills Planning Region | 36,784 jobs · $1,274/wk · -1.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 7,172 | $1,154 | 1.30 | +1.6% |
| Retail trade | 4,281 | $815 | 1.19 | -3.0% |
| Accommodation and food services | 3,026 | $634 | 0.92 | +0.0% |
| Educational services | 2,703 | $1,230 | 3.42 | +4.3% |
| Other services | 1,414 | $1,026 | 1.29 | -3.2% |
| Administrative and waste services | 1,373 | $973 | 0.66 | -3.9% |
| Professional and technical services | 1,105 | $2,249 | 0.44 | -7.0% |
| Arts, entertainment and recreation | 1,017 | $727 | 1.68 | +0.0% |
| Finance and insurance | 671 | $3,743 | 0.45 | -11.9% |
| Management of companies | 491 | $2,507 | 0.80 | +6.0% |
| Real estate and rental | 352 | $1,093 | 0.62 | -17.0% |
| Agriculture, forestry, fishing | 270 | $864 | 1.02 | -1.5% |
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.
Water #
Banks & federal dollars #
$3.6 bn in deposits at 40 offices of 9 banks (SOD June 2026); HHI 1,384, moderately concentrated. USAspending has no place-of-performance row for this county
| Item | Value | Distance |
|---|---|---|
| The Torrington Savings Bank | $770.8 m · 21.6% share · 8 offices | |
| Northwest Community Bank | $595.7 m · 16.7% share · 7 offices | |
| Union Savings Bank | $486.1 m · 13.7% share · 8 offices |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Torrington Savings Bank | $770,823,000 | 21.6% | 8 |
| Northwest Community Bank | $595,695,000 | 16.7% | 7 |
| Union Savings Bank | $486,136,000 | 13.7% | 8 |
| Webster Bank, National Association | $459,569,000 | 12.9% | 5 |
| NBT Bank, National Association | $419,171,000 | 11.8% | 4 |
| The National Iron Bank | $291,420,000 | 8.2% | 4 |
| Bank of America, National Association | $198,245,000 | 5.6% | 1 |
| Manufacturers and Traders Trust Company | $177,379,000 | 5.0% | 2 |
| Thomaston Savings Bank | $162,453,000 | 4.6% | 1 |
Deposit concentration is 1,384 across 9 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 21.6² + 16.7² + 13.7² + … (6 more) = 1,384
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 | $770,478,253 |
| Department of Veterans Affairs | $49,059,107 |
| Department of Transportation | $27,045,297 |
| National Science Foundation | $7,500,000 |
| Department of Housing and Urban Development | $4,537,522 |
| Department of Health and Human Services | $4,093,750 |
| Department of Education | $1,485,680 |
| Railroad Retirement Board | $1,148,149 |
| Department of Agriculture | $1,100,440 |
| Federal Communications Commission | $483,151 |
| Environmental Protection Agency | $184,200 |
| Department of Homeland Security | $39,000 |
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 | 16.50 | 2026-09-30 | -11.7% |
| 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 · % | 71.30 | 2026-10-01 | +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 · % | 4.10 | 2026-08-01 | +0.0% |
| 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 #
FIPS 09160, CT: 5 findings, 1 at a watch level and 4 noted
watchFIPS 09160, CT'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
noteFIPS 09160, CT's covered employment was 1.1% lower than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- -1.1 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteFIPS 09160, CT's average weekly wage was 0.1% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +0.1 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteFIPS 09160, CT's momentum index of -0.19 ranks 2,937th of 3,221 US counties, against a median of 0.23.
Show the arithmetic
- 9 on the 0-to-100 scale across 3221 US counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering FIPS 09160, CT is due between 2026-09-25 and 2026-10-09, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-09-25 to 2026-10-09, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.