Cayuga County, NY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.01, -76.57.
Assembled 2026-10-07. Read the brief.
- 50th pct · 1,512th of 3,063 US counties · median $234,566
- 37th pct · 39th of 62 New York counties · median $256,722
- 80th pct · 610th of 3,063 US counties · median +2.9%
- 60th pct · 25th of 62 New York counties · median +5.7%
- 39th pct · 851st of 1,399 US counties · median $1,496
- 33rd pct · 33rd of 49 New York counties · median $1,531
- 74th pct · 818th of 3,221 US counties · median 8,232
- 40th pct · 37th of 62 New York counties · median 32,139
- 83rd pct · 544th of 3,221 US counties · median $1,039
- 54th pct · 28th of 62 New York counties · median $1,250
- 32nd pct · 2,055th of 3,063 US counties · median 4.3
- 27th pct · 45th 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 $235,844 (Aug 2026), +6.0% over one year, +32.7% over five
- 50th pct · 1,512th of 3,063 US counties · median $234,566
- 37th pct · 39th of 62 New York counties · median $256,722
| Item | Value | Distance |
|---|---|---|
| Cayuga County, NY | $235,844 · +6.0% 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 $1,377/mo (Aug 2026), n/a over one year; price-to-rent 14.3
- 39th pct · 851st of 1,399 US counties · median $1,496
- 33rd pct · 33rd of 49 New York counties · median $1,531
| Item | Value | Distance |
|---|---|---|
| Cayuga County, NY | $1,377/mo · n/a 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 $1,291 a month on $235,844 at 7.28%, against an average weekly wage worth $5,538 a month: 23.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $235,844 × 80% = $188,675, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,291/mo principal and interest
- wage share = payment / (avg weekly wage $1,278 × 52 / 12 = $5,538) = 23% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $235,844 / ($1,278 × 52) = 3.5
- price-to-rent = $235,844 / ($1,377 × 12) = 14.3
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 #
24,261 jobs at 1,724 employers (2026 Q1); +1.2% jobs and +2.2% average weekly wage over the year
- 74th pct · 818th of 3,221 US counties · median 8,232
- 40th pct · 37th of 62 New York counties · median 32,139
| Item | Value | Distance |
|---|---|---|
| Cayuga County, NY | 24,261 jobs · $1,278/wk · +1.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 4,013 | $1,144 | 1.10 | +7.3% |
| Manufacturing | 3,323 | $1,408 | 1.70 | +1.8% |
| Retail trade | 2,801 | $735 | 1.18 | -2.4% |
| Accommodation and food services | 1,879 | $515 | 0.86 | +4.0% |
| Construction | 1,052 | $1,663 | 0.83 | +6.5% |
| Professional and technical services | 742 | $1,511 | 0.44 | -4.4% |
| Wholesale trade | 723 | $2,979 | 0.78 | -16.5% |
| Other services | 707 | $695 | 0.98 | -3.0% |
| Transportation and warehousing | 696 | $1,247 | 0.68 | -3.7% |
| Administrative and waste services | 346 | $952 | 0.25 | +0.6% |
| Management of companies | 325 | $1,647 | 0.80 | +41.3% |
| Arts, entertainment and recreation | 218 | $669 | 0.55 | +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 #
3 USGS reservoir gauges, no capacity figures to weight
Sites found: 3, 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 |
|---|---|---|
| Cowanesque Lake at Lawrenceville, PA | 1,080 ft (USGS, no capacity on file) | 123 km |
| Tioga Lake at Tioga Dam at Tioga, PA | 1,082 ft (USGS, no capacity on file) | 132 km |
| Hammond Lake at Hammond Dam at Tioga, PA | 1,086 ft (USGS, no capacity on file) | 132 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 #
80 gauges · 0 flooding · 18 with quality panels averaging 100 % · 47 stale
Sites found: 80, 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-04235500 | flow 71.0 ft³/s · STALE | 7 km |
| USGS-04236800 | flow 17.8 ft³/s | 8 km |
| USGS-04235440 | flow 45.3 ft³/s | 9 km |
| USGS-04235600 | flow 499.0 ft³/s | 10 km |
| USGS-04237020 | stage 8.13 ft | 12 km |
| USGS-425327076313601 | turb. 0.60 FNU · quality 100 % (5) · STALE | 14 km |
| USGS-04236000 | turb. 0.40 FNU · quality 100 % (5) · STALE | 14 km |
| SENECA RIVER AT FREE BRIDGE CORNERS NY | flow 21.9 ft³/s | 14 km |
| USGS-04237411 | stage 1.35 ft | 16 km |
| USGS-425606076251601 | turb. 0.30 FNU · quality 100 % (5) · STALE | 16 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 #
33 wells in 0 named aquifers:
Sites found: 33, 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-425448076350002 | depth 13.9 ft · 2026-10-05 | 11 km |
| USGS-425821076461301 | depth 4.29 ft · 2026-10-05 | 16 km |
| USGS-430243076180401 | depth 13.5 ft · 2026-10-05 | 23 km |
| USGS-430243076180402 | depth 14.3 ft · 2026-10-05 | 23 km |
| USGS-424158076251901 | depth 21.1 ft · 2026-10-05 | 37 km |
| USGS-425213076084101 | depth 0.19 ft · 2023-04-24 | 38 km |
| USGS-425131076084401 | depth 22.6 ft · 2023-04-24 | 39 km |
| USGS-425111076084101 | depth 2.72 ft · 2023-04-24 | 39 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 #
$1.6 bn in deposits at 18 offices of 10 banks (SOD June 2026); HHI 1,329, moderately concentrated. $493.3 m federal obligations in FY2026 (direct payments $470.1 m, grants $18.9 m), $20,334 per covered job
| Item | Value | Distance |
|---|---|---|
| KeyBank National Association | $369.1 m · 23.6% share · 3 offices | |
| Five Star Bank | $243.8 m · 15.6% share · 1 office | |
| Cayuga Lake National Bank | $213.9 m · 13.7% share · 2 offices | |
| Cayuga, NY | $493.3 m FY2026 · $20,334/job | |
| MULTIPLE RECIPIENTS | $456.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| KeyBank National Association | $369,097,000 | 23.6% | 3 |
| Five Star Bank | $243,754,000 | 15.6% | 1 |
| Cayuga Lake National Bank | $213,851,000 | 13.7% | 2 |
| Tompkins Community Bank | $164,671,000 | 10.5% | 1 |
| Chemung Canal Trust Company | $121,237,000 | 7.7% | 2 |
| The Lyons National Bank | $111,487,000 | 7.1% | 2 |
| Savannah Bank National Association | $100,201,000 | 6.4% | 3 |
| Manufacturers and Traders Trust Company | $95,683,000 | 6.1% | 1 |
| Community Bank, National Association | $87,127,000 | 5.6% | 2 |
| The First National Bank of Groton | $58,535,000 | 3.7% | 1 |
Deposit concentration is 1,329 across 10 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 23.6² + 15.6² + 13.7² + … (7 more) = 1,329
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 | $421,014,487 |
| Department of Veterans Affairs | $35,846,862 |
| Department of Health and Human Services | $10,445,290 |
| Department of Transportation | $7,327,249 |
| Department of Education | $5,007,443 |
| Department of Housing and Urban Development | $4,914,702 |
| Department of Agriculture | $3,660,814 |
| Railroad Retirement Board | $1,653,121 |
| General Services Administration | $1,246,821 |
| Department of Defense | $798,005 |
| Federal Communications Commission | $663,807 |
| Environmental Protection Agency | $482,108 |
That is $20,334 per covered job, against 24,261 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $493.3 m / 24,261 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,334
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 | 3.00 | 2026-10-06 | -50.0% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| 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 #
Cayuga County, NY: 9 findings, 2 at a watch level and 7 noted
watchCayuga County, NY's typical asking rent is -1.8% 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 = -1.7562171113540346 <= -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
watchCayuga County, NY's covered employment of 24,261 scores 75 on the 0-to-100 scale across US counties but 41 across New York counties, a gap of 34 points.
Period 2026 Q1.Show the arithmetic
- 34 = |75 across US counties - 41 across New York counties|
position among the entities that published this metric this period; not an official level
noteCayuga County, NY's average weekly wage was 2.2% 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
- +2.2 % = 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
noteCayuga County, NY's typical asking rent fell 1.8% from $1,401 in July 2026 to $1,377 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -1.8% = (1376.8055555555557 - 1401.4174893042245) / 1401.4174893042245 × 100
- 1376.8055555555557 = Zillow ZORI, 2026-08
- 1401.4174893042245 = Zillow ZORI, 2026-07
noteCayuga County, NY's covered employment was 1.2% 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
- +1.2 % = 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.