Queen Anne's County, MD
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.04, -76.08.
Assembled 2026-10-06. Read the brief.
- 94th pct · 169th of 3,063 US counties · median $234,566
- 91st pct · 3rd of 24 Maryland counties · median $420,593
- 83rd pct · 2nd of 7 counties in the Baltimore-Columbia-Towson metro · median $490,967
- 41st pct · 1,793rd of 3,063 US counties · median +2.9%
- 82nd pct · 5th of 24 Maryland counties · median +1.0%
- 100th pct · 1st of 7 counties in the Baltimore-Columbia-Towson metro · median +1.0%
- 90th pct · 134th of 1,399 US counties · median $1,496
- 73rd pct · 6th of 20 Maryland counties · median $1,960
- 66th pct · 3rd of 7 counties in the Baltimore-Columbia-Towson metro · median $1,914
- 66th pct · 1,091st of 3,221 US counties · median 8,232
- 21st pct · 19th of 24 Maryland counties · median 44,580
- 0th pct · 7th of 7 counties in the Baltimore-Columbia-Towson metro · median 168,782
- 66th pct · 1,066th of 3,221 US counties · median $1,039
- 30th pct · 17th of 24 Maryland counties · median $1,216
- 0th pct · 7th of 7 counties in the Baltimore-Columbia-Towson metro · median $1,480
- 95th pct · 131st of 3,063 US counties · median 4.3
- 100th pct · 1st of 24 Maryland counties · median 5.8
- 100th pct · 1st of 7 counties in the Baltimore-Columbia-Towson metro · median 5.9
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 $525,261 (Aug 2026), +2.2% over one year, +21.7% over five
- 94th pct · 169th of 3,063 US counties · median $234,566
- 91st pct · 3rd of 24 Maryland counties · median $420,593
- 83rd pct · 2nd of 7 counties in the Baltimore-Columbia-Towson metro · median $490,967
| Item | Value | Distance |
|---|---|---|
| Queen Anne's County, MD | $525,261 · +2.2% 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 $2,228/mo (Aug 2026), +3.2% over one year; price-to-rent 19.6
- 90th pct · 134th of 1,399 US counties · median $1,496
- 73rd pct · 6th of 20 Maryland counties · median $1,960
- 66th pct · 3rd of 7 counties in the Baltimore-Columbia-Towson metro · median $1,914
| Item | Value | Distance |
|---|---|---|
| Queen Anne's County, MD | $2,228/mo · +3.2% 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 $2,875 a month on $525,261 at 7.28%, against an average weekly wage worth $4,875 a month: 59.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $525,261 × 80% = $420,209, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,875/mo principal and interest
- wage share = payment / (avg weekly wage $1,125 × 52 / 12 = $4,875) = 59% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $525,261 / ($1,125 × 52) = 9.0
- price-to-rent = $525,261 / ($2,228 × 12) = 19.6
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 #
15,912 jobs at 1,615 employers (2026 Q1); +0.3% jobs and +1.8% average weekly wage over the year
- 66th pct · 1,091st of 3,221 US counties · median 8,232
- 21st pct · 19th of 24 Maryland counties · median 44,580
- 0th pct · 7th of 7 counties in the Baltimore-Columbia-Towson metro · median 168,782
| Item | Value | Distance |
|---|---|---|
| Queen Anne's County, MD | 15,912 jobs · $1,125/wk · +0.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 2,339 | $530 | 1.64 | +1.1% |
| Retail trade | 1,917 | $677 | 1.24 | -10.1% |
| Manufacturing | 1,504 | $1,340 | 1.17 | -1.4% |
| Health care and social assistance | 1,136 | $1,009 | 0.47 | +2.2% |
| Construction | 1,065 | $1,163 | 1.28 | +1.7% |
| Wholesale trade | 924 | $2,151 | 1.52 | -4.5% |
| Administrative and waste services | 896 | $956 | 0.99 | +0.3% |
| Other services | 832 | $972 | 1.75 | +6.0% |
| Professional and technical services | 629 | $1,882 | 0.57 | +6.4% |
| Arts, entertainment and recreation | 458 | $553 | 1.75 | +9.3% |
| Finance and insurance | 337 | $2,350 | 0.52 | -2.9% |
| Educational services | 252 | $869 | 0.74 | -1.9% |
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 #
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 #
$1.7 bn in deposits at 15 offices of 7 banks (SOD June 2026); HHI 2,305, highly concentrated. $433.2 m federal obligations in FY2026 (direct payments $376.2 m, contracts $42.0 m), $27,225 per covered job
| Item | Value | Distance |
|---|---|---|
| Shore United Bank, National Association | $526.7 m · 31.8% share · 4 offices | |
| The Queenstown Bank of Maryland | $518.8 m · 31.4% share · 6 offices | |
| First National Bank of Pennsylvania | $194.9 m · 11.8% share · 1 office | |
| Queen Anne's, MD | $433.2 m FY2026 · $27,225/job | |
| MULTIPLE RECIPIENTS | $367.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Shore United Bank, National Association | $526,703,000 | 31.8% | 4 |
| The Queenstown Bank of Maryland | $518,802,000 | 31.4% | 6 |
| First National Bank of Pennsylvania | $194,852,000 | 11.8% | 1 |
| Bank of America, National Association | $146,503,000 | 8.9% | 1 |
| Manufacturers and Traders Trust Company | $111,976,000 | 6.8% | 1 |
| PNC Bank, National Association | $87,664,000 | 5.3% | 1 |
| Truist Bank | $68,033,000 | 4.1% | 1 |
Deposit concentration is 2,305 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 31.8² + 31.4² + 11.8² + … (4 more) = 2,305
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 | $331,817,277 |
| Department of Veterans Affairs | $34,861,459 |
| Department of Defense | $28,692,516 |
| Department of Transportation | $11,586,580 |
| General Services Administration | $6,947,900 |
| Department of Homeland Security | $5,656,907 |
| Department of Agriculture | $4,243,907 |
| Department of Education | $4,103,487 |
| Department of Housing and Urban Development | $3,579,959 |
| Railroad Retirement Board | $1,457,249 |
| Department of Justice | $226,356 |
| Department of Health and Human Services | $19,955 |
That is $27,225 per covered job, against 15,912 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $433.2 m / 15,912 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $27,225
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 #
Queen Anne's County, MD: 19 findings, 6 at a watch level and 13 noted
watchQueen Anne's County, MD's years of wages of 9.0 ranks 131st 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 = 95.75440888308296 >= 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
watchQueen Anne's County, MD's typical asking rent is -1.2% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; 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 2026-08.Show the arithmetic
- test: rent.momPct = -1.1646944062727003 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level
watchQueen Anne's County, MD's covered employment of 15,912 scores 66 on the 0-to-100 scale across US counties but 22 across Maryland counties, a gap of 44 points.
Period 2026 Q1.Show the arithmetic
- 44 = |66 across US counties - 22 across Maryland counties|
position among the entities that published this metric this period; not an official level
watchQueen Anne's County, MD's typical home value of +2.2% scores 41 on the 0-to-100 scale across US counties but 83 across Maryland counties, a gap of 41 points.
Period 2026-08.Show the arithmetic
- 41 = |41 across US counties - 83 across Maryland counties|
position among the entities that published this metric this period; not an official level
watchQueen Anne's County, MD's average weekly wage of $1,125 scores 67 on the 0-to-100 scale across US counties but 30 across Maryland counties, a gap of 36 points.
Period 2026 Q1.Show the arithmetic
- 36 = |67 across US counties - 30 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.