FIPS 25001, MA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.73, -70.29.
Assembled 2026-10-02. Read the brief.
- 98th pct · 53rd of 3,063 US counties · median $234,566
- 43rd pct · 1,738th of 3,063 US counties · median +2.9%
- 95th pct · 66th of 1,399 US counties · median $1,496
- 89th pct · 346th of 3,221 US counties · median 8,232
- 87th pct · 400th of 3,221 US counties · median $1,039
- 98th pct · 60th of 3,063 US counties · median 4.3
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
- 98th pct · 53rd of 3,063 US counties · median $234,566
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
- 95th pct · 66th of 1,399 US counties · median $1,496
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 #
No QCEW row for this area
- 89th pct · 346th of 3,221 US counties · median 8,232
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 15,614 | $1,427 | 1.22 | +1.3% |
| Retail trade | 12,979 | $855 | 1.57 | -2.5% |
| Accommodation and food services | 10,205 | $702 | 1.34 | -5.9% |
| Construction | 6,650 | $1,548 | 1.49 | -3.5% |
| Professional and technical services | 4,568 | $1,796 | 0.78 | +0.9% |
| Administrative and waste services | 3,282 | $1,201 | 0.68 | -6.0% |
| Other services | 3,160 | $1,005 | 1.25 | -1.8% |
| Arts, entertainment and recreation | 2,119 | $1,035 | 1.52 | +2.2% |
| Finance and insurance | 2,088 | $3,415 | 0.60 | -2.1% |
| Transportation and warehousing | 1,959 | $1,211 | 0.55 | +2.9% |
| Wholesale trade | 1,586 | $1,742 | 0.49 | -4.2% |
| Real estate and rental | 1,042 | $1,218 | 0.80 | -2.5% |
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 #
$11.8 bn in deposits at 86 offices of 11 banks (SOD June 2026); HHI 1,697, moderately concentrated. $3.5 bn federal obligations in FY2026 (direct payments $2.2 bn, grants $1.2 bn), $41,320 per covered job
| Item | Value | Distance |
|---|---|---|
| The Cape Cod Five Cents Savings Bank | $3.8 bn · 32.4% share · 17 offices | |
| TD Bank, National Association | $1.5 bn · 12.8% share · 8 offices | |
| Rockland Trust Company | $1.4 bn · 12.2% share · 12 offices | |
| Barnstable, MA | $3.5 bn FY2026 · $41,320/job | |
| MULTIPLE RECIPIENTS | $2.1 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Cape Cod Five Cents Savings Bank | $3,813,468,000 | 32.4% | 17 |
| TD Bank, National Association | $1,504,653,000 | 12.8% | 8 |
| Rockland Trust Company | $1,438,931,000 | 12.2% | 12 |
| Cape & Coast Bank | $1,397,896,000 | 11.9% | 11 |
| Bank of America, National Association | $1,059,166,000 | 9.0% | 5 |
| Citizens Bank, National Association | $909,035,000 | 7.7% | 11 |
| Eastern Bank | $570,026,000 | 4.8% | 5 |
| Santander Bank, N.A. | $509,797,000 | 4.3% | 6 |
| Seamen's Bank | $405,378,000 | 3.4% | 5 |
| Martha's Vineyard Bank | $124,156,000 | 1.1% | 3 |
Deposit concentration is 1,697 across 11 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 32.4² + 12.8² + 12.2² + … (8 more) = 1,697
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 | $2,000,162,025 |
| Department of Transportation | $998,249,706 |
| Department of Veterans Affairs | $123,506,199 |
| National Science Foundation | $105,102,855 |
| Department of Defense | $104,414,215 |
| Department of Commerce | $62,580,463 |
| Department of Housing and Urban Development | $40,861,131 |
| Department of Health and Human Services | $20,721,783 |
| Department of the Interior | $13,149,468 |
| Department of Education | $11,908,010 |
| National Aeronautics and Space Administration | $9,190,160 |
| Department of Homeland Security | $7,773,767 |
That is $41,320 per covered job, against 84,915 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $3.5 bn / 84,915 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $41,320
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 · % | 67.28 | 2026-10-01 | not published |
| 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 25001, MA: 13 findings, 4 at a watch level and 9 noted
watchFIPS 25001, MA's years of wages of 10.9 ranks 60th 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 = 98.0731548007838 >= 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
watchFIPS 25001, MA's price-to-rent ratio of 24.7 ranks 98th of 1,399 US counties, a watch level here: price-to-rent in the top tenth of US counties (position among the counties that published both ZHVI and ZORI this month; 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: priceToRent percentile = 93.06151645207439 >= 90
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the counties that published both ZHVI and ZORI this month; not an official level
watchFIPS 25001, MA's covered employment is -1.7% 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 = -1.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchFIPS 25001, MA's years of wages is 10.9, a watch level here: typical home value worth 10 or more years of one average covered wage (typical home value / (average weekly wage × 52), one average covered job rather than a household; 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: yearsOfWages = 10.869026284065413 >= 10
- typical home value / (average weekly wage × 52); one average covered job, not a household
typical home value / (average weekly wage × 52), one average covered job rather than a household; convention chosen for this dashboard, not an official level
noteFIPS 25001, MA's average weekly wage was 2.5% 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
- +2.5 % = 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 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.