Garrett County, MD
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.55, -79.27.
Assembled 2026-10-06. Read the brief.
- 76th pct · 706th of 3,063 US counties · median $234,566
- 30th pct · 17th of 24 Maryland counties · median $420,593
- 39th pct · 1,843rd of 3,063 US counties · median +2.9%
- 78th pct · 6th of 24 Maryland counties · median +1.0%
- US counties: not published this period
- Maryland counties: not published this period
- 58th pct · 1,324th of 3,221 US counties · median 8,232
- 17th pct · 20th of 24 Maryland counties · median 44,580
- 31st pct · 2,201st of 3,221 US counties · median $1,039
- 4th pct · 23rd of 24 Maryland counties · median $1,216
- 86th pct · 422nd of 3,063 US counties · median 4.3
- 65th pct · 9th 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 $336,420 (Aug 2026), +2.1% over one year, +15.7% over five
- 76th pct · 706th of 3,063 US counties · median $234,566
- 30th pct · 17th of 24 Maryland counties · median $420,593
| Item | Value | Distance |
|---|---|---|
| Garrett County, MD | $336,420 · +2.1% 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 #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- Maryland 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 #
Principal and interest of $1,841 a month on $336,420 at 7.28%, against an average weekly wage worth $4,156 a month: 44.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $336,420 × 80% = $269,136, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,841/mo principal and interest
- wage share = payment / (avg weekly wage $959 × 52 / 12 = $4,156) = 44% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $336,420 / ($959 × 52) = 6.7
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 #
11,994 jobs at 1,214 employers (2026 Q1); +2.4% jobs and +1.5% average weekly wage over the year
- 58th pct · 1,324th of 3,221 US counties · median 8,232
- 17th pct · 20th of 24 Maryland counties · median 44,580
| Item | Value | Distance |
|---|---|---|
| Garrett County, MD | 11,994 jobs · $959/wk · +2.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,654 | $683 | 1.42 | +1.0% |
| Health care and social assistance | 1,587 | $1,054 | 0.88 | +6.4% |
| Accommodation and food services | 1,322 | $490 | 1.23 | -3.3% |
| Construction | 1,161 | $1,188 | 1.85 | +9.0% |
| Manufacturing | 898 | $1,023 | 0.93 | +2.9% |
| Other services | 596 | $871 | 1.66 | +53.2% |
| Professional and technical services | 469 | $1,546 | 0.57 | +5.6% |
| Administrative and waste services | 456 | $924 | 0.67 | -5.0% |
| Transportation and warehousing | 433 | $874 | 0.86 | +36.2% |
| Wholesale trade | 348 | $1,066 | 0.76 | -13.0% |
| Arts, entertainment and recreation | 280 | $703 | 1.42 | -28.9% |
| Real estate and rental | 205 | $792 | 1.11 | -8.1% |
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 #
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 #
$816.0 m in deposits at 11 offices of 6 banks (SOD June 2026); HHI 4,292, highly concentrated. $227.4 m federal obligations in FY2026 (direct payments $192.4 m, grants $31.8 m), $18,957 per covered job
| Item | Value | Distance |
|---|---|---|
| First United Bank & Trust | $509.9 m · 62.5% share · 5 offices | |
| Manufacturers and Traders Trust Company | $116.9 m · 14.3% share · 2 offices | |
| Clear Mountain Bank | $81.9 m · 10.0% share · 1 office | |
| Garrett, MD | $227.4 m FY2026 · $18,957/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First United Bank & Trust | $509,867,000 | 62.5% | 5 |
| Manufacturers and Traders Trust Company | $116,861,000 | 14.3% | 2 |
| Clear Mountain Bank | $81,884,000 | 10.0% | 1 |
| Truist Bank | $68,240,000 | 8.4% | 1 |
| Somerset Trust Company | $24,879,000 | 3.0% | 1 |
| Citizens Bank of West Virginia, Inc. | $14,288,000 | 1.8% | 1 |
Deposit concentration is 4,292 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 62.5² + 14.3² + 10.0² + … (3 more) = 4,292
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 #
That is $18,957 per covered job, against 11,994 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $227.4 m / 11,994 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,957
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 #
Garrett County, MD: 8 findings, 3 at a watch level and 5 noted
watchGarrett County, MD's typical home value of $336,420 scores 77 on the 0-to-100 scale across US counties but 30 across Maryland counties, a gap of 47 points.
Period 2026-08.Show the arithmetic
- 47 = |77 across US counties - 30 across Maryland counties|
position among the entities that published this metric this period; not an official level
watchGarrett County, MD's covered employment of 11,994 scores 59 on the 0-to-100 scale across US counties but 17 across Maryland counties, a gap of 42 points.
Period 2026 Q1.Show the arithmetic
- 42 = |59 across US counties - 17 across Maryland counties|
position among the entities that published this metric this period; not an official level
watchGarrett County, MD's typical home value of +2.1% scores 40 on the 0-to-100 scale across US counties but 78 across Maryland counties, a gap of 38 points.
Period 2026-08.Show the arithmetic
- 38 = |40 across US counties - 78 across Maryland counties|
position among the entities that published this metric this period; not an official level
noteGarrett County, MD's covered employment was 2.4% 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
- +2.4 % = 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
noteGarrett County, MD's average weekly wage was 1.5% 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
- +1.5 % = 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
Read all 8 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.