Allegany County, MD
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.61, -78.70.
Assembled 2026-10-07. Read the brief.
- 18th pct · 2,489th of 3,063 US counties · median $234,566
- 0th pct · 24th of 24 Maryland counties · median $420,593
- 57th pct · 1,303rd of 3,063 US counties · median +2.9%
- 100th pct · 1st of 24 Maryland counties · median +1.0%
- 9th pct · 1,268th of 1,399 US counties · median $1,496
- 0th pct · 20th of 20 Maryland counties · median $1,960
- 75th pct · 793rd of 3,221 US counties · median 8,232
- 39th pct · 15th of 24 Maryland counties · median 44,580
- 54th pct · 1,474th of 3,221 US counties · median $1,039
- 13th pct · 21st of 24 Maryland counties · median $1,216
- 17th pct · 2,538th of 3,063 US counties · median 4.3
- 4th pct · 23rd of 24 Maryland counties · median 5.8
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 $158,340 (Aug 2026), +3.6% over one year, +24.4% over five
- 18th pct · 2,489th of 3,063 US counties · median $234,566
- 0th pct · 24th of 24 Maryland counties · median $420,593
| Item | Value | Distance |
|---|---|---|
| Allegany County, MD | $158,340 · +3.6% 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 $1,018/mo (Aug 2026), +5.0% over one year; price-to-rent 13.0
- 9th pct · 1,268th of 1,399 US counties · median $1,496
- 0th pct · 20th of 20 Maryland counties · median $1,960
| Item | Value | Distance |
|---|---|---|
| Allegany County, MD | $1,018/mo · +5.0% 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 $867 a month on $158,340 at 7.28%, against an average weekly wage worth $4,585 a month: 18.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $158,340 × 80% = $126,672, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $867/mo principal and interest
- wage share = payment / (avg weekly wage $1,058 × 52 / 12 = $4,585) = 19% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $158,340 / ($1,058 × 52) = 2.9
- price-to-rent = $158,340 / ($1,018 × 12) = 13.0
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 #
25,524 jobs at 1,550 employers (2026 Q1); -4.9% jobs and +6.1% average weekly wage over the year
- 75th pct · 793rd of 3,221 US counties · median 8,232
- 39th pct · 15th of 24 Maryland counties · median 44,580
| Item | Value | Distance |
|---|---|---|
| Allegany County, MD | 25,524 jobs · $1,058/wk · -4.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 5,452 | $1,283 | 1.42 | -4.0% |
| Retail trade | 3,444 | $678 | 1.38 | -6.3% |
| Accommodation and food services | 2,646 | $468 | 1.15 | -17.0% |
| Manufacturing | 1,252 | $983 | 0.61 | -4.4% |
| Wholesale trade | 1,129 | $966 | 1.15 | -5.4% |
| Other services | 847 | $940 | 1.11 | -6.6% |
| Transportation and warehousing | 698 | $994 | 0.65 | +5.0% |
| Finance and insurance | 548 | $1,473 | 0.53 | +1.7% |
| Administrative and waste services | 536 | $845 | 0.37 | -10.4% |
| Professional and technical services | 528 | $1,304 | 0.30 | -10.2% |
| Arts, entertainment and recreation | 241 | $287 | 0.57 | +0.4% |
| Real estate and rental | 225 | $986 | 0.57 | +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 #
No drought class at this point (USDM covers the United States only)
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 |
|---|---|---|
| SAVAGE RIVER RESERVOIR NEAR BLOOMINGTON, MD | 1,442 ft (USGS, no capacity on file) | 39 km |
| JENNINGS RANDOLPH LAKE NEAR ELK GARDEN, WV | 1,446 ft (USGS, no capacity on file) | 42 km |
| DEEP CREEK LAKE NEAR THAYERVILLE, MD | 2,459 ft (USGS, no capacity on file) | 52 km |
| Raystown Lake near Huntingdon, PA | 786.3 ft (USGS, no capacity on file) | 109 km |
| Loyalhanna Creek Lake, PA | 3,652 Acre-ft (USGS, no capacity on file) | 114 km |
| Curwensville Lake near Curwensville, PA | 1,162 ft (USGS, no capacity on file) | 150 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 #
73 gauges · 0 flooding · 16 with quality panels averaging 100 % · 22 stale
Sites found: 73, 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 |
|---|---|---|
| NORTH BRANCH POTOMAC RIVER NEAR CUMBERLAND, MD | flow 405.0 ft³/s | 6 km |
| WILLS CREEK NEAR CUMBERLAND, MD | flow 42.0 ft³/s | 10 km |
| NORTH BRANCH POTOMAC RIVER AT PINTO, MD | flow 339.0 ft³/s · STALE | 13 km |
| WILLS CREEK AT ELLERSLIE, MD | flow 150.0 ft³/s · STALE | 13 km |
| TOWN CREEK NEAR OLDTOWN, MD | flow 10.5 ft³/s | 14 km |
| HOFFMAN DRAINAGE TUNNEL AT CLARYSVILLE, MD | flow 17.4 ft³/s · STALE | 16 km |
| SOUTH BRANCH POTOMAC RIVER NEAR SPRINGFIELD, WV | flow 245.0 ft³/s · quality 100 % (5) | 19 km |
| SAND SPRING RUN AT FROSTBURG, MD | flow 0.65 ft³/s · STALE | 20 km |
| PATTERSON CREEK NEAR HEADSVILLE, WV | flow 11.8 ft³/s | 21 km |
| Wills Creek below Hyndman, PA | flow 23.0 ft³/s | 22 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 #
27 wells in 0 named aquifers:
Sites found: 27, 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-394024078273401 | depth 5.02 ft · 2012-10-21 | 22 km |
| USGS-393148079010601 | depth 24.2 ft · 2010-09-29 | 29 km |
| USGS-392200078532001 | depth 26.6 ft · 2026-10-06 | 32 km |
| USGS-393043078174001 | depth 32.0 ft · 1999-01-24 | 37 km |
| USGS-395658078301601 | depth 72.3 ft · 1984-10-24 | 41 km |
| USGS-391257078404601 | depth 11.9 ft · 2001-08-12 | 44 km |
| USGS-394755078135001 | depth 51.2 ft · 2026-10-05 | 45 km |
| USGS-395920079021501 | depth 23.5 ft · 2026-10-05 | 51 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.00 / 0.55
Banks & federal dollars #
$871.1 m in deposits at 13 offices of 5 banks (SOD June 2026); HHI 2,734, highly concentrated. $496.3 m federal obligations in FY2026 (direct payments $444.2 m, grants $40.6 m), $19,446 per covered job
| Item | Value | Distance |
|---|---|---|
| First United Bank & Trust | $309.9 m · 35.6% share · 2 offices | |
| Manufacturers and Traders Trust Company | $246.0 m · 28.2% share · 4 offices | |
| Truist Bank | $212.9 m · 24.4% share · 3 offices | |
| Allegany, MD | $496.3 m FY2026 · $19,446/job | |
| MULTIPLE RECIPIENTS | $428.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First United Bank & Trust | $309,882,000 | 35.6% | 2 |
| Manufacturers and Traders Trust Company | $246,009,000 | 28.2% | 4 |
| Truist Bank | $212,902,000 | 24.4% | 3 |
| Dollar Bank, Federal Savings Bank | $64,920,000 | 7.5% | 2 |
| Somerset Trust Company | $37,411,000 | 4.3% | 2 |
Deposit concentration is 2,734 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 35.6² + 28.2² + 24.4² + … (2 more) = 2,734
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 | $368,110,675 |
| Department of Veterans Affairs | $37,508,793 |
| Department of Transportation | $33,397,434 |
| Railroad Retirement Board | $22,596,042 |
| Department of Education | $12,166,409 |
| Department of Justice | $9,816,497 |
| Department of Housing and Urban Development | $5,799,951 |
| National Aeronautics and Space Administration | $2,863,672 |
| Department of Agriculture | $2,414,731 |
| Department of the Interior | $575,487 |
| Department of Defense | $407,491 |
| Department of Homeland Security | $303,964 |
That is $19,446 per covered job, against 25,524 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $496.3 m / 25,524 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,446
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 #
Allegany County, MD: 20 findings, 1 at an alert level, 4 at a watch level and 15 noted
alertAllegany County, MD's covered employment is -4.9% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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 Q1.Show the arithmetic
- test: jobs.yoy.emp = -4.9 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchAllegany County, MD's covered employment is -4.9% 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 = -4.9 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchAllegany County, MD's typical home value of +3.6% scores 57 on the 0-to-100 scale across US counties but 100 across Maryland counties, a gap of 43 points.
Period 2026-08.Show the arithmetic
- 43 = |57 across US counties - 100 across Maryland counties|
position among the entities that published this metric this period; not an official level
watchAllegany County, MD's average weekly wage of $1,058 scores 54 on the 0-to-100 scale across US counties but 13 across Maryland counties, a gap of 41 points.
Period 2026 Q1.Show the arithmetic
- 41 = |54 across US counties - 13 across Maryland counties|
position among the entities that published this metric this period; not an official level
watchAllegany County, MD's covered employment of 25,524 scores 75 on the 0-to-100 scale across US counties but 39 across Maryland counties, a gap of 36 points.
Period 2026 Q1.Show the arithmetic
- 36 = |75 across US counties - 39 across Maryland 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.