Broome County, NY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.16, -75.83.
Assembled 2026-10-06. Read the brief.
- 37th pct · 1,906th of 3,063 US counties · median $234,566
- 13th pct · 54th of 62 New York counties · median $256,722
- counties in the Binghamton metro: Rank context is unavailable: the manifest lists 2 counties in the Binghamton metro; fewer than 5 is too few to rank.
- 85th pct · 459th of 3,063 US counties · median +2.9%
- 81st pct · 12th of 62 New York counties · median +5.7%
- counties in the Binghamton metro: Rank context is unavailable: the manifest lists 2 counties in the Binghamton metro; fewer than 5 is too few to rank.
- 58th pct · 577th of 1,399 US counties · median $1,496
- 54th pct · 23rd of 49 New York counties · median $1,531
- counties in the Binghamton metro: Rank context is unavailable: the manifest lists 2 counties in the Binghamton metro; fewer than 5 is too few to rank.
- 89th pct · 347th of 3,221 US counties · median 8,232
- 72nd pct · 18th of 62 New York counties · median 32,139
- counties in the Binghamton metro: Rank context is unavailable: the manifest lists 2 counties in the Binghamton metro; fewer than 5 is too few to rank.
- 80th pct · 630th of 3,221 US counties · median $1,039
- 47th pct · 33rd of 62 New York counties · median $1,250
- counties in the Binghamton metro: Rank context is unavailable: the manifest lists 2 counties in the Binghamton metro; fewer than 5 is too few to rank.
- 23rd pct · 2,351st of 3,063 US counties · median 4.3
- 14th pct · 53rd of 62 New York counties · median 4.1
- counties in the Binghamton metro: Rank context is unavailable: the manifest lists 2 counties in the Binghamton metro; fewer than 5 is too few to rank.
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 $202,695 (Aug 2026), +6.8% over one year, +42.2% over five
- 37th pct · 1,906th of 3,063 US counties · median $234,566
- 13th pct · 54th of 62 New York counties · median $256,722
- counties in the Binghamton metro: Rank context is unavailable: the manifest lists 2 counties in the Binghamton metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Broome County, NY | $202,695 · +6.8% 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 #
Typical rent $1,607/mo (Aug 2026), +6.5% over one year; price-to-rent 10.5
- 58th pct · 577th of 1,399 US counties · median $1,496
- 54th pct · 23rd of 49 New York counties · median $1,531
- counties in the Binghamton metro: Rank context is unavailable: the manifest lists 2 counties in the Binghamton metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Broome County, NY | $1,607/mo · +6.5% 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 $1,109 a month on $202,695 at 7.28%, against an average weekly wage worth $5,382 a month: 20.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $202,695 × 80% = $162,156, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,109/mo principal and interest
- wage share = payment / (avg weekly wage $1,242 × 52 / 12 = $5,382) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $202,695 / ($1,242 × 52) = 3.1
- price-to-rent = $202,695 / ($1,607 × 12) = 10.5
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 #
83,610 jobs at 4,431 employers (2026 Q1); +1.0% jobs and +2.3% average weekly wage over the year
- 89th pct · 347th of 3,221 US counties · median 8,232
- 72nd pct · 18th of 62 New York counties · median 32,139
- counties in the Binghamton metro: Rank context is unavailable: the manifest lists 2 counties in the Binghamton metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Broome County, NY | 83,610 jobs · $1,242/wk · +1.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 16,625 | $1,319 | 1.32 | +3.4% |
| Retail trade | 9,207 | $820 | 1.13 | -0.5% |
| Accommodation and food services | 7,464 | $502 | 0.99 | +5.1% |
| Manufacturing | 6,232 | $1,676 | 0.93 | -4.4% |
| Transportation and warehousing | 4,146 | $912 | 1.18 | +5.3% |
| Professional and technical services | 3,385 | $1,414 | 0.59 | +18.4% |
| Construction | 3,267 | $1,554 | 0.75 | -0.8% |
| Other services | 2,632 | $722 | 1.05 | -15.5% |
| Administrative and waste services | 2,215 | $978 | 0.47 | -7.6% |
| Finance and insurance | 1,600 | $2,168 | 0.47 | -7.8% |
| Management of companies | 1,182 | $1,730 | 0.84 | +7.4% |
| Arts, entertainment and recreation | 850 | $782 | 0.62 | +13.0% |
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 #
9 USGS reservoir gauges, no capacity figures to weight
Sites found: 9, 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-01534180 | 1,578 ft (USGS, no capacity on file) | 59 km |
| USGS-01534490 | 1,108 ft (USGS, no capacity on file) | 75 km |
| USGS-01428900 | 1,125 ft (USGS, no capacity on file) | 76 km |
| USGS-01429400 | 990.0 ft (USGS, no capacity on file) | 77 km |
| USGS-01519995 | 1,080 ft (USGS, no capacity on file) | 111 km |
| USGS-01517900 | 1,082 ft (USGS, no capacity on file) | 112 km |
| USGS-01518498 | 1,086 ft (USGS, no capacity on file) | 113 km |
| USGS-01447780 | 1,355 ft (USGS, no capacity on file) | 117 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 #
72 gauges · 0 flooding · 21 with quality panels averaging 100 % · 21 stale
Sites found: 72, 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-01512500 | flow 464.0 ft³/s | 6 km |
| USGS-01503500 | stage 2.34 ft | 10 km |
| USGS-01503000 | flow 936.0 ft³/s | 14 km |
| USGS-01511500 | stage 1.46 ft | 16 km |
| USGS-01507000 | flow 160.0 ft³/s | 19 km |
| USGS-01502731 | flow 715.0 ft³/s | 19 km |
| USGS-01513500 | flow 1,350 ft³/s | 20 km |
| USGS-01509520 | stage 0.62 ft | 25 km |
| USGS-01513550 | flow 2.37 ft³/s | 26 km |
| OQUAGA CREEK AT MCCLURE NY | flow 22.4 ft³/s · quality 100 % (1) | 31 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 #
23 wells in 0 named aquifers:
Sites found: 23, 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-421138075511301 | depth 27.5 ft · 2026-10-05 | 4 km |
| USGS-421157075535401 | depth 68.0 ft · 2026-10-05 | 7 km |
| USGS-415323077451301 | depth 38.4 ft · 2017-10-17 | 31 km |
| USGS-415320075450401 | depth 67.8 ft · 2026-10-05 | 31 km |
| USGS-421556075281602 | depth 9.03 ft · 2026-10-05 | 32 km |
| USGS-420815076155501 | depth 46.5 ft · 2026-10-05 | 36 km |
| USGS-423410075402801 | depth 32.7 ft · 2024-04-30 | 47 km |
| USGS-422323076190301 | depth 16.7 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 #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.00 / 0.55
Banks & federal dollars #
$3.5 bn in deposits at 36 offices of 9 banks (SOD June 2026); HHI 2,900, highly concentrated. $1.4 bn federal obligations in FY2026 (direct payments $1.2 bn, grants $142.7 m), $16,266 per covered job
| Item | Value | Distance |
|---|---|---|
| Manufacturers and Traders Trust Company | $1.7 bn · 48.3% share · 11 offices | |
| NBT Bank, National Association | $649.5 m · 18.7% share · 8 offices | |
| KeyBank National Association | $343.8 m · 9.9% share · 3 offices | |
| Broome, NY | $1.4 bn FY2026 · $16,266/job | |
| MULTIPLE RECIPIENTS | $1.1 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Manufacturers and Traders Trust Company | $1,679,893,000 | 48.3% | 11 |
| NBT Bank, National Association | $649,457,000 | 18.7% | 8 |
| KeyBank National Association | $343,835,000 | 9.9% | 3 |
| Citizens Bank, National Association | $244,763,000 | 7.0% | 3 |
| Tioga State Bank National Association | $222,386,000 | 6.4% | 5 |
| Chemung Canal Trust Company | $124,219,000 | 3.6% | 2 |
| Peoples Security Bank and Trust Company | $103,437,000 | 3.0% | 2 |
| JPMorgan Chase Bank, National Association | $82,879,000 | 2.4% | 1 |
| Community Bank, National Association | $25,765,000 | 0.7% | 1 |
Deposit concentration is 2,900 across 9 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 48.3² + 18.7² + 9.9² + … (6 more) = 2,900
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 | $1,067,176,737 |
| Department of Transportation | $83,898,078 |
| Department of Veterans Affairs | $68,460,619 |
| Department of Defense | $38,171,192 |
| Department of Health and Human Services | $24,623,606 |
| National Science Foundation | $22,015,339 |
| Department of Education | $16,725,524 |
| Department of Housing and Urban Development | $16,485,029 |
| Department of Energy | $5,000,000 |
| Federal Communications Commission | $3,596,457 |
| Railroad Retirement Board | $3,427,023 |
| Environmental Protection Agency | $3,139,922 |
That is $16,266 per covered job, against 83,610 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.4 bn / 83,610 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,266
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 #
Broome County, NY: 9 findings, 1 at a watch level and 8 noted
watchBroome County, NY's average weekly wage of $1,242 scores 80 on the 0-to-100 scale across US counties but 48 across New York counties, a gap of 33 points.
Period 2026 Q1.Show the arithmetic
- 33 = |80 across US counties - 48 across New York counties|
position among the entities that published this metric this period; not an official level
noteBroome County, NY's typical asking rent rose 3.0% from $1,560 in July 2026 to $1,607 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +3.0% = (1606.9703703703706 - 1560.1992259662954) / 1560.1992259662954 × 100
- 1606.9703703703706 = Zillow ZORI, 2026-08
- 1560.1992259662954 = Zillow ZORI, 2026-07
noteBroome County, NY's average weekly wage was 2.3% 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
- +2.3 % = 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
noteBroome County, NY's covered employment was 1.0% 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 % = 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
noteBroome County, NY's typical home value rose 0.7% from $201,293 in July 2026 to $202,695 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.7% = (202694.72757979445 - 201292.87879594942) / 201292.87879594942 × 100
- 202694.72757979445 = Zillow ZHVI, 2026-08
- 201292.87879594942 = Zillow ZHVI, 2026-07
Read all 9 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.