Chenango County, NY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.48, -75.60.
Assembled 2026-10-06. Read the brief.
- 23rd pct · 2,334th of 3,063 US counties · median $234,566
- 6th pct · 58th of 62 New York counties · median $256,722
- 91st pct · 274th of 3,063 US counties · median +2.9%
- 93rd pct · 5th of 62 New York counties · median +5.7%
- US counties: not published this period
- New York counties: not published this period
- 68th pct · 1,016th of 3,221 US counties · median 8,232
- 27th pct · 45th of 62 New York counties · median 32,139
- 90th pct · 312th of 3,221 US counties · median $1,039
- 80th pct · 13th of 62 New York counties · median $1,250
- 7th pct · 2,841st of 3,063 US counties · median 4.3
- 1st pct · 61st 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 $170,494 (Aug 2026), +8.0% over one year, +29.7% over five
- 23rd pct · 2,334th of 3,063 US counties · median $234,566
- 6th pct · 58th of 62 New York counties · median $256,722
| Item | Value | Distance |
|---|---|---|
| Chenango County, NY | $170,494 · +8.0% 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 #
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 $933 a month on $170,494 at 7.28%, against an average weekly wage worth $6,192 a month: 15.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $170,494 × 80% = $136,395, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $933/mo principal and interest
- wage share = payment / (avg weekly wage $1,429 × 52 / 12 = $6,192) = 15% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $170,494 / ($1,429 × 52) = 2.3
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 #
17,592 jobs at 1,023 employers (2026 Q1); +1.0% jobs and +2.4% average weekly wage over the year
- 68th pct · 1,016th of 3,221 US counties · median 8,232
- 27th pct · 45th of 62 New York counties · median 32,139
| Item | Value | Distance |
|---|---|---|
| Chenango County, NY | 17,592 jobs · $1,429/wk · +1.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 5,733 | $1,977 | 4.05 | +4.1% |
| Health care and social assistance | 1,868 | $1,071 | 0.71 | +25.7% |
| Retail trade | 1,665 | $743 | 0.97 | -5.5% |
| Finance and insurance | 1,025 | $2,238 | 1.43 | -1.7% |
| Accommodation and food services | 854 | $708 | 0.54 | -4.7% |
| Construction | 420 | $1,193 | 0.46 | -1.6% |
| Other services | 371 | $606 | 0.71 | -0.8% |
| Administrative and waste services | 308 | $820 | 0.31 | -15.4% |
| Real estate and rental | 243 | $1,185 | 0.90 | -1.2% |
| Agriculture, forestry, fishing | 200 | $872 | 1.57 | -2.0% |
| Information | 196 | $1,373 | 0.60 | -7.1% |
| Professional and technical services | 193 | $1,188 | 0.16 | +9.0% |
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 #
7 USGS reservoir gauges, no capacity figures to weight
Sites found: 7, 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) | 87 km |
| General Edgar Jadwin Reservoir near Honesdale, PA | 990.0 ft (USGS, no capacity on file) | 100 km |
| Prompton Reservoir at Prompton, PA | 1,125 ft (USGS, no capacity on file) | 101 km |
| USGS-01534490 | 1,108 ft (USGS, no capacity on file) | 106 km |
| USGS-01519995 | 1,080 ft (USGS, no capacity on file) | 139 km |
| USGS-01517900 | 1,082 ft (USGS, no capacity on file) | 142 km |
| USGS-01518498 | 1,086 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 #
63 gauges · 0 flooding · 9 with quality panels averaging 100 % · 18 stale
Sites found: 63, 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 |
|---|---|---|
| CHENANGO RIVER AT OXFORD NY | flow 104.0 ft³/s | 4 km |
| CANASAWACTA CR AT NORWICH NY | stage 3.76 ft | 9 km |
| CHENANGO RIVER AT NORWICH NY | stage 3.43 ft | 10 km |
| UNADILLA RIVER AT ROCKDALE NY | flow 141.0 ft³/s | 20 km |
| CHENANGO RIVER AT GREENE NY | flow 155.0 ft³/s | 22 km |
| SUSQUEHANNA RIVER AT BAINBRIDGE NY | flow 603.0 ft³/s | 23 km |
| CHENANGO RIVER AT SHERBURNE NY | flow 26.1 ft³/s | 24 km |
| USGS-01510000 | flow 28.9 ft³/s | 25 km |
| SUSQUEHANNA RIVER AT UNADILLA NY | flow 387.0 ft³/s | 29 km |
| BUTTERNUT CREEK AT MORRIS NY | flow 95.0 ft³/s · STALE | 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 #
27 wells in 0 named aquifers:
Sites found: 27, 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-423410075402801 | depth 32.7 ft · 2024-04-30 | 12 km |
| USGS-421556075281602 | depth 9.03 ft · 2026-10-05 | 26 km |
| USGS-421138075511301 | depth 27.5 ft · 2026-10-05 | 38 km |
| USGS-421157075535401 | depth 68.0 ft · 2026-10-05 | 39 km |
| USGS-423827076035901 | depth 7.94 ft · 2026-10-05 | 42 km |
| USGS-424136075025101 | depth 7.63 ft · 2026-10-05 | 51 km |
| USGS-424452076081902 | depth 5.49 ft · 2026-10-05 | 53 km |
| USGS-423322076143801 | depth 84.4 ft · 2026-10-05 | 53 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 #
$919.0 m in deposits at 11 offices of 2 banks (SOD June 2026); HHI 9,471, highly concentrated. $372.3 m federal obligations in FY2026 (direct payments $313.4 m, grants $47.1 m), $21,162 per covered job
| Item | Value | Distance |
|---|---|---|
| NBT Bank, National Association | $894.0 m · 97.3% share · 10 offices | |
| Community Bank, National Association | $25.0 m · 2.7% share · 1 office | |
| Chenango, NY | $372.3 m FY2026 · $21,162/job | |
| MULTIPLE RECIPIENTS | $310.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| NBT Bank, National Association | $893,988,000 | 97.3% | 10 |
| Community Bank, National Association | $25,002,000 | 2.7% | 1 |
Deposit concentration is 9,471 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 97.3² + 2.7² = 9,471
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 | $283,049,040 |
| Department of Veterans Affairs | $52,137,309 |
| Department of Transportation | $13,170,875 |
| Department of Agriculture | $8,892,662 |
| Department of Health and Human Services | $6,342,038 |
| Department of Defense | $4,008,182 |
| Department of Housing and Urban Development | $2,483,094 |
| Railroad Retirement Board | $1,512,779 |
| Federal Communications Commission | $553,178 |
| Environmental Protection Agency | $71,219 |
| Department of Education | $61,983 |
| Small Business Administration | $0 |
That is $21,162 per covered job, against 17,592 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $372.3 m / 17,592 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,162
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 #
Chenango County, NY: 11 findings, 1 at a watch level and 10 noted
watchChenango County, NY's covered employment of 17,592 scores 68 on the 0-to-100 scale across US counties but 28 across New York counties, a gap of 41 points.
Period 2026 Q1.Show the arithmetic
- 41 = |68 across US counties - 28 across New York counties|
position among the entities that published this metric this period; not an official level
noteChenango County, NY's average weekly wage was 2.4% 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
- +2.4 % = 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
noteChenango 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
noteChenango County, NY's typical home value rose 0.5% from $169,640 in July 2026 to $170,494 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.5% = (170493.7060545295 - 169639.70292631857) / 169639.70292631857 × 100
- 170493.7060545295 = Zillow ZHVI, 2026-08
- 169639.70292631857 = Zillow ZHVI, 2026-07
noteChenango County, NY's years of wages of 2.3 ranks 61st of 62 New York counties, against a median of 4.1.
Period 2026-08.Show the arithmetic
- 2 on the 0-to-100 scale across 62 New York counties that published yearsOfWages
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
Read all 11 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.