Nantucket County, MA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.29, -70.10.
Assembled 2026-10-06. Read the brief.
- 100th pct · 1st of 3,063 US counties · median $234,566
- 100th pct · 1st of 14 Massachusetts counties · median $687,938
- 93rd pct · 211th of 3,063 US counties · median +2.9%
- 100th pct · 1st of 14 Massachusetts counties · median +2.3%
- US counties: not published this period
- Massachusetts counties: not published this period
- 43rd pct · 1,832nd of 3,221 US counties · median 8,232
- 0th pct · 14th of 14 Massachusetts counties · median 194,940
- 95th pct · 159th of 3,221 US counties · median $1,039
- 76th pct · 4th of 14 Massachusetts counties · median $1,471
- 100th pct · 1st of 3,063 US counties · median 4.3
- 100th pct · 1st of 14 Massachusetts counties · median 7.5
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 $3.2 m (Aug 2026), +8.8% over one year, +35.6% over five
- 100th pct · 1st of 3,063 US counties · median $234,566
- 100th pct · 1st of 14 Massachusetts counties · median $687,938
| Item | Value | Distance |
|---|---|---|
| Nantucket County, MA | $3.2 m · +8.8% 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
- Massachusetts 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 $17,359 a month on $3,171,305 at 7.28%, against an average weekly wage worth $7,046 a month: 246.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $3.2 m × 80% = $2.5 m, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $17,359/mo principal and interest
- wage share = payment / (avg weekly wage $1,626 × 52 / 12 = $7,046) = 246% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $3.2 m / ($1,626 × 52) = 37.5
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 #
6,236 jobs at 1,396 employers (2026 Q1); +1.3% jobs and +1.9% average weekly wage over the year
- 43rd pct · 1,832nd of 3,221 US counties · median 8,232
- 0th pct · 14th of 14 Massachusetts counties · median 194,940
| Item | Value | Distance |
|---|---|---|
| Nantucket County, MA | 6,236 jobs · $1,626/wk · +1.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 785 | $1,380 | 1.29 | -0.5% |
| Administrative and waste services | 588 | $1,596 | 1.66 | +0.0% |
| Health care and social assistance | 539 | $1,820 | 0.57 | -0.4% |
| Other services | 248 | $1,388 | 1.33 | +0.0% |
| Real estate and rental | 182 | $1,655 | 1.90 | +2.2% |
| Educational services | 88 | $1,103 | 0.66 | +12.8% |
| Agriculture, forestry, fishing | withheld | |||
| Utilities | withheld | |||
| Construction | withheld | |||
| Manufacturing | withheld | |||
| Wholesale trade | withheld | |||
| Transportation and warehousing | withheld |
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 #
D1 moderate drought
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 #
1 USGS reservoir gauges, no capacity figures to weight
Sites found: 1, 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 |
|---|---|---|
| USGS-422302071083801 | 16.1 ft (USGS, no capacity on file) | 149 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 #
28 gauges · 0 flooding · 5 with quality panels averaging 70 % · 7 stale
Sites found: 28, 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-415716070031801 | DO 0.00 mg/l · quality 50 % (4) · STALE | 74 km |
| USGS-413846070480601 | DO 7.70 mg/l · quality 75 % (4) | 70 km |
| USGS-415639070032501 | stage 2.36 ft · quality 75 % (4) · STALE | 72 km |
| USGS-414224070452001 | DO 8.20 mg/l · quality 75 % (4) | 71 km |
| HERRING R AT CHEQUESSETT NECK RD AT WELLFLEET, MA | flow 166.0 ft³/s · quality 75 % (4) · STALE | 71 km |
| Nantucket Harbor at Nantucket (IN MLLW) | no flooding | 1 km |
| Edgartown Harbor near Chappaquiddick Point (IN MLLW) | observation not current | 36 km |
| Atlantic Coast at Hyannisport (IN MLLW) | observation not current | 42 km |
| HAWES RUN, AT PONDVIEW AVE, NR HYANNIS, MA | flow 0.11 ft³/s | 43 km |
| Vineyard Sound at Vineyard Haven | observation not current | 45 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 #
43 wells in 0 named aquifers:
Sites found: 43, 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-411555070021901 | depth 26.6 ft · 2026-10-05 | 6 km |
| USGS-411536069591301 | depth 10.8 ft · 2026-10-05 | 10 km |
| USGS-412346070353403 | depth 19.8 ft · 2026-10-05 | 42 km |
| USGS-414100070011101 | depth 24.6 ft · 2018-09-10 | 44 km |
| USGS-414101070011001 | depth 28.9 ft · 2026-10-05 | 44 km |
| USGS-413930070190901 | depth 26.4 ft · 2026-10-05 | 44 km |
| USGS-413525070291904 | depth 8.27 ft · 2026-10-05 | 46 km |
| USGS-414219070131101 | depth 23.0 ft · 2026-10-05 | 47 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 #
moderate (0.27)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.30 / 0.55
Banks & federal dollars #
$1.3 bn in deposits at 8 offices of 4 banks (SOD June 2026); HHI 2,817, highly concentrated. $61.7 m federal obligations in FY2026 (direct payments $55.3 m, grants $4.9 m), $9,887 per covered job
| Item | Value | Distance |
|---|---|---|
| Rockland Trust Company | $426.5 m · 33.8% share · 3 offices | |
| The Cape Cod Five Cents Savings Bank | $418.3 m · 33.1% share · 2 offices | |
| Bank of America, National Association | $259.7 m · 20.6% share · 2 offices | |
| Nantucket, MA | $61.7 m FY2026 · $9,887/job | |
| MULTIPLE RECIPIENTS | $54.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Rockland Trust Company | $426,467,000 | 33.8% | 3 |
| The Cape Cod Five Cents Savings Bank | $418,264,000 | 33.1% | 2 |
| Bank of America, National Association | $259,699,000 | 20.6% | 2 |
| Hingham Institution for Savings | $158,869,000 | 12.6% | 1 |
Deposit concentration is 2,817 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 33.8² + 33.1² + 20.6² + … (1 more) = 2,817
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 | $53,443,957 |
| Department of Transportation | $4,894,398 |
| Department of Homeland Security | $1,500,797 |
| Department of Veterans Affairs | $1,298,475 |
| Department of Agriculture | $441,957 |
| Department of Housing and Urban Development | $64,541 |
| Federal Communications Commission | $10,794 |
| Small Business Administration | $0 |
That is $9,887 per covered job, against 6,236 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $61.7 m / 6,236 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $9,887
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 | -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 #
Nantucket County, MA: 15 findings, 3 at a watch level and 12 noted
watchNantucket County, MA's years of wages is 37.5, 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 = 37.50715944204671 >= 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
watchNantucket County, MA's years of wages of 37.5 ranks 1st 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 = 100 >= 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
watchNantucket County, MA's covered employment of 6,236 scores 43 on the 0-to-100 scale across US counties but 0 across Massachusetts counties, a gap of 43 points.
Period 2026 Q1.Show the arithmetic
- 43 = |43 across US counties - 0 across Massachusetts counties|
position among the entities that published this metric this period; not an official level
noteNantucket County, MA's average weekly wage was 1.9% 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
- +1.9 % = 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
noteNantucket County, MA's covered employment was 1.3% 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
- +1.3 % = 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.