Cattaraugus County, NY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.24, -78.66.
Assembled 2026-10-06. Read the brief.
- 23rd pct · 2,342nd of 3,063 US counties · median $234,566
- 4th pct · 59th of 62 New York counties · median $256,722
- 71st pct · 884th of 3,063 US counties · median +2.9%
- 31st pct · 43rd of 62 New York counties · median +5.7%
- US counties: not published this period
- New York counties: not published this period
- 76th pct · 744th of 3,221 US counties · median 8,232
- 45th pct · 34th of 62 New York counties · median 32,139
- 50th pct · 1,600th of 3,221 US counties · median $1,039
- 3rd pct · 60th of 62 New York counties · median $1,250
- 23rd pct · 2,354th of 3,063 US counties · median 4.3
- 13th pct · 54th of 62 New York counties · median 4.1
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 $169,594 (Aug 2026), +4.9% over one year, +33.7% over five
- 23rd pct · 2,342nd of 3,063 US counties · median $234,566
- 4th pct · 59th of 62 New York counties · median $256,722
| Item | Value | Distance |
|---|---|---|
| Cattaraugus County, NY | $169,594 · +4.9% 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
- New York 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 $928 a month on $169,594 at 7.28%, against an average weekly wage worth $4,507 a month: 20.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $169,594 × 80% = $135,675, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $928/mo principal and interest
- wage share = payment / (avg weekly wage $1,040 × 52 / 12 = $4,507) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $169,594 / ($1,040 × 52) = 3.1
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 #
28,629 jobs at 1,755 employers (2026 Q1); +1.8% jobs and +0.7% average weekly wage over the year
- 76th pct · 744th of 3,221 US counties · median 8,232
- 45th pct · 34th of 62 New York counties · median 32,139
| Item | Value | Distance |
|---|---|---|
| Cattaraugus County, NY | 28,629 jobs · $1,040/wk · +1.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 3,208 | $743 | 1.15 | -2.5% |
| Accommodation and food services | 2,952 | $502 | 1.15 | -0.8% |
| Manufacturing | 2,751 | $1,467 | 1.19 | +12.4% |
| Administrative and waste services | 1,066 | $1,487 | 0.66 | +4.1% |
| Other services | 843 | $724 | 0.99 | -0.6% |
| Construction | 717 | $1,413 | 0.48 | +0.0% |
| Finance and insurance | 675 | $1,497 | 0.58 | -2.3% |
| Professional and technical services | 441 | $1,400 | 0.22 | -5.6% |
| Agriculture, forestry, fishing | 381 | $852 | 1.84 | +3.3% |
| Arts, entertainment and recreation | 365 | $437 | 0.77 | +6.7% |
| Wholesale trade | 332 | $1,451 | 0.30 | -6.7% |
| Information | 142 | $1,219 | 0.27 | +0.0% |
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 #
6 USGS reservoir gauges, no capacity figures to weight
Sites found: 6, 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 |
|---|---|---|
| First Fork Sinnemahoning Creek Reservoir | 922.1 ft (USGS, no capacity on file) | 107 km |
| Kettle Cr Lake at Kettle Cr Dam near Westport, PA | 842.4 ft (USGS, no capacity on file) | 115 km |
| Cowanesque Lake at Lawrenceville, PA | 1,080 ft (USGS, no capacity on file) | 128 km |
| Hammond Lake at Hammond Dam at Tioga, PA | 1,086 ft (USGS, no capacity on file) | 131 km |
| Tioga Lake at Tioga Dam at Tioga, PA | 1,082 ft (USGS, no capacity on file) | 131 km |
| Curwensville Lake near Curwensville, PA | 1,162 ft (USGS, no capacity on file) | 143 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 #
36 gauges · 0 flooding · 8 with quality panels averaging 100 % · 3 stale
Sites found: 36, 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 |
|---|---|---|
| ALLEGHENY RIVER AT SALAMANCA NY | flow 490.0 ft³/s | 10 km |
| ALLEGHENY RIVER AT RED HOUSE NY | stage 7.72 ft · quality 100 % (1) | 18 km |
| ISCHUA CR AT ISCHUA VALLEY CC NR FRANKLINVILLE NY | flow 11.3 ft³/s | 21 km |
| ALLEGHENY RIVER AT OLEAN NY | flow 303.0 ft³/s | 25 km |
| Tunungwant Creek near South Bradford, PA | stage 0.36 ft | 31 km |
| THATCHER BROOK AT GOWANDA NY | flow 2.21 ft³/s | 33 km |
| CATTARAUGUS CREEK AT GOWANDA NY | flow 135.0 ft³/s · quality 100 % (5) | 34 km |
| CONEWANGO CREEK AT WATERBORO NY | flow 390.0 ft³/s · STALE | 34 km |
| DODGE CREEK AT PORTVILLE NY | stage 2.88 ft | 35 km |
| Allegheny River at Eldred, PA | flow 210.0 ft³/s | 38 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 #
16 wells in 0 named aquifers:
Sites found: 16, 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-420530078445201 | depth 10.2 ft · 2026-10-05 | 18 km |
| USGS-422702079005101 | depth 31.6 ft · 2026-10-05 | 37 km |
| USGS-415150078220401 | depth 104.2 ft · 2026-10-05 | 48 km |
| USGS-421544078021301 | depth -0.76 ft · 2026-10-05 | 52 km |
| USGS-421217079183601 | depth 3.15 ft · 2026-10-05 | 53 km |
| USGS-420143079171401 | depth 44.1 ft · 2014-09-29 | 57 km |
| USGS-423743078070802 | depth 13.3 ft · 2026-10-05 | 62 km |
| USGS-415023079121201 | depth 37.8 ft · 1987-06-26 | 63 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 #
$1.7 bn in deposits at 22 offices of 8 banks (SOD June 2026); HHI 3,606, highly concentrated. $655.7 m federal obligations in FY2026 (direct payments $504.6 m, contracts $74.8 m), $22,903 per covered job
| Item | Value | Distance |
|---|---|---|
| Community Bank, National Association | $896.1 m · 54.1% share · 8 offices | |
| Five Star Bank | $366.2 m · 22.1% share · 4 offices | |
| Cattaraugus County Bank | $207.4 m · 12.5% share · 4 offices | |
| Cattaraugus, NY | $655.7 m FY2026 · $22,903/job | |
| MULTIPLE RECIPIENTS | $494.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Community Bank, National Association | $896,071,000 | 54.1% | 8 |
| Five Star Bank | $366,186,000 | 22.1% | 4 |
| Cattaraugus County Bank | $207,447,000 | 12.5% | 4 |
| Manufacturers and Traders Trust Company | $82,756,000 | 5.0% | 2 |
| KeyBank National Association | $53,971,000 | 3.3% | 1 |
| Bank of Cattaraugus | $27,447,000 | 1.7% | 1 |
| Hamlin Bank and Trust Company | $21,709,000 | 1.3% | 1 |
| Woodforest National Bank | $2,256,000 | 0.1% | 1 |
Deposit concentration is 3,606 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 54.1² + 22.1² + 12.5² + … (5 more) = 3,606
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 | $428,239,381 |
| Department of Veterans Affairs | $56,363,681 |
| Department of the Interior | $37,906,705 |
| Department of Education | $36,743,313 |
| Department of Transportation | $30,941,959 |
| Department of the Treasury | $19,605,417 |
| Department of Health and Human Services | $18,342,333 |
| Department of Housing and Urban Development | $8,491,235 |
| General Services Administration | $5,218,056 |
| Department of Agriculture | $3,720,189 |
| Railroad Retirement Board | $3,390,393 |
| Department of Justice | $2,678,178 |
That is $22,903 per covered job, against 28,629 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $655.7 m / 28,629 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,903
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 #
Cattaraugus County, NY: 9 findings, 3 at a watch level and 6 noted
watchCattaraugus County, NY's average weekly wage of $1,040 scores 50 on the 0-to-100 scale across US counties but 3 across New York counties, a gap of 47 points.
Period 2026 Q1.Show the arithmetic
- 47 = |50 across US counties - 3 across New York counties|
position among the entities that published this metric this period; not an official level
watchCattaraugus County, NY's typical home value of +4.9% scores 71 on the 0-to-100 scale across US counties but 31 across New York counties, a gap of 40 points.
Period 2026-08.Show the arithmetic
- 40 = |71 across US counties - 31 across New York counties|
position among the entities that published this metric this period; not an official level
watchCattaraugus County, NY's covered employment of 28,629 scores 77 on the 0-to-100 scale across US counties but 46 across New York counties, a gap of 31 points.
Period 2026 Q1.Show the arithmetic
- 31 = |77 across US counties - 46 across New York counties|
position among the entities that published this metric this period; not an official level
noteCattaraugus County, NY's covered employment was 1.8% 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
- +1.8 % = 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
noteCattaraugus County, NY's average weekly wage was 0.7% 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
- +0.7 % = 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 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.