Clinton County, NY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 44.75, -73.71.
Assembled 2026-10-06. Read the brief.
- 48th pct · 1,565th of 3,063 US counties · median $234,566
- 34th pct · 41st of 62 New York counties · median $256,722
- 82nd pct · 540th of 3,063 US counties · median +2.9%
- 73rd pct · 17th of 62 New York counties · median +5.7%
- 28th pct · 999th of 1,399 US counties · median $1,496
- 20th pct · 39th of 49 New York counties · median $1,531
- 78th pct · 704th of 3,221 US counties · median 8,232
- 49th pct · 32nd of 62 New York counties · median 32,139
- 74th pct · 812th of 3,221 US counties · median $1,039
- 36th pct · 40th of 62 New York counties · median $1,250
- 38th pct · 1,891st of 3,063 US counties · median 4.3
- 31st pct · 43rd 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 $231,971 (Aug 2026), +6.3% over one year, +31.1% over five
- 48th pct · 1,565th of 3,063 US counties · median $234,566
- 34th pct · 41st of 62 New York counties · median $256,722
| Item | Value | Distance |
|---|---|---|
| Clinton County, NY | $231,971 · +6.3% 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 $1,275/mo (Aug 2026), n/a over one year; price-to-rent 15.2
- 28th pct · 999th of 1,399 US counties · median $1,496
- 20th pct · 39th of 49 New York counties · median $1,531
| Item | Value | Distance |
|---|---|---|
| Clinton County, NY | $1,275/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 $1,270 a month on $231,971 at 7.28%, against an average weekly wage worth $5,144 a month: 24.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $231,971 × 80% = $185,577, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,270/mo principal and interest
- wage share = payment / (avg weekly wage $1,187 × 52 / 12 = $5,144) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $231,971 / ($1,187 × 52) = 3.8
- price-to-rent = $231,971 / ($1,275 × 12) = 15.2
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 #
31,541 jobs at 1,944 employers (2026 Q1); +0.7% jobs and +1.9% average weekly wage over the year
- 78th pct · 704th of 3,221 US counties · median 8,232
- 49th pct · 32nd of 62 New York counties · median 32,139
| Item | Value | Distance |
|---|---|---|
| Clinton County, NY | 31,541 jobs · $1,187/wk · +0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 6,042 | $1,129 | 1.27 | +5.6% |
| Retail trade | 4,812 | $874 | 1.57 | -3.5% |
| Manufacturing | 2,943 | $1,231 | 1.16 | +8.6% |
| Accommodation and food services | 2,623 | $508 | 0.93 | +5.0% |
| Transportation and warehousing | 1,376 | $1,004 | 1.04 | -4.2% |
| Construction | 1,008 | $1,248 | 0.61 | -3.3% |
| Administrative and waste services | 832 | $1,028 | 0.46 | -2.3% |
| Wholesale trade | 769 | $1,416 | 0.64 | +0.0% |
| Other services | 673 | $687 | 0.71 | -6.3% |
| Real estate and rental | 432 | $911 | 0.89 | +12.5% |
| Finance and insurance | 422 | $1,472 | 0.33 | -5.8% |
| Information | 233 | $1,307 | 0.40 | +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 #
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 #
Surface water layer not loaded
Sites found: 0, 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.
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 #
Surface water layer not loaded
Sites found: 0, 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.
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 #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, 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.
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 / 0.35
Banks & federal dollars #
$2.1 bn in deposits at 19 offices of 8 banks (SOD June 2026); HHI 2,420, highly concentrated. $566.0 m federal obligations in FY2026 (direct payments $530.5 m, grants $22.9 m), $17,945 per covered job
| Item | Value | Distance |
|---|---|---|
| Community Bank, National Association | $788.2 m · 37.6% share · 3 offices | |
| TD Bank, National Association | $513.1 m · 24.5% share · 3 offices | |
| KeyBank National Association | $310.3 m · 14.8% share · 3 offices | |
| Clinton, NY | $566.0 m FY2026 · $17,945/job | |
| MULTIPLE RECIPIENTS | $513.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Community Bank, National Association | $788,210,000 | 37.6% | 3 |
| TD Bank, National Association | $513,096,000 | 24.5% | 3 |
| KeyBank National Association | $310,310,000 | 14.8% | 3 |
| Arrow Bank National Association | $228,711,000 | 10.9% | 3 |
| NBT Bank, National Association | $131,542,000 | 6.3% | 2 |
| Champlain National Bank | $112,540,000 | 5.4% | 3 |
| Adirondack Bank | $10,338,000 | 0.5% | 1 |
| The North Country Savings Bank | $1,476,000 | 0.1% | 1 |
Deposit concentration is 2,420 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 = 37.6² + 24.5² + 14.8² + … (5 more) = 2,420
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 | $459,118,548 |
| Department of Veterans Affairs | $55,352,354 |
| Department of Transportation | $16,931,389 |
| Department of Health and Human Services | $7,954,459 |
| Department of Housing and Urban Development | $5,680,367 |
| Department of Education | $5,092,734 |
| General Services Administration | $4,247,157 |
| Department of Agriculture | $3,362,550 |
| Department of Defense | $2,959,830 |
| Department of Homeland Security | $2,851,397 |
| Railroad Retirement Board | $1,325,358 |
| Federal Communications Commission | $1,111,820 |
That is $17,945 per covered job, against 31,541 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $566.0 m / 31,541 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,945
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 #
Clinton County, NY: 7 findings, 2 at a watch level and 5 noted
watchClinton County, NY's typical asking rent rose 3.6% from $1,230 in July 2026 to $1,275 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +3.6% = (1275 - 1230.1019563045745) / 1230.1019563045745 × 100
- 1275 = Zillow ZORI, 2026-08
- 1230.1019563045745 = Zillow ZORI, 2026-07
watchClinton County, NY's average weekly wage of $1,187 scores 75 on the 0-to-100 scale across US counties but 36 across New York counties, a gap of 39 points.
Period 2026 Q1.Show the arithmetic
- 39 = |75 across US counties - 36 across New York counties|
position among the entities that published this metric this period; not an official level
noteClinton County, NY'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
noteClinton County, NY's covered employment 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
noteClinton County, NY's typical home value rose 0.6% from $230,644 in July 2026 to $231,971 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.6% = (231971.21626702716 - 230643.98713581983) / 230643.98713581983 × 100
- 231971.21626702716 = Zillow ZHVI, 2026-08
- 230643.98713581983 = Zillow ZHVI, 2026-07
Read all 7 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.