Delaware County, NY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.19, -74.97.
Assembled 2026-10-06. Read the brief.
- 58th pct · 1,282nd of 3,063 US counties · median $234,566
- 50th pct · 31st of 62 New York counties · median $256,722
- 66th pct · 1,014th of 3,063 US counties · median +2.9%
- 19th pct · 50th of 62 New York counties · median +5.7%
- US counties: not published this period
- New York counties: not published this period
- 63rd pct · 1,168th of 3,221 US counties · median 8,232
- 18th pct · 51st of 62 New York counties · median 32,139
- 91st pct · 259th of 3,221 US counties · median $1,039
- 86th pct · 9th of 62 New York counties · median $1,250
- 28th pct · 2,193rd of 3,063 US counties · median 4.3
- 21st pct · 49th 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 $257,029 (Aug 2026), +4.5% over one year, +28.3% over five
- 58th pct · 1,282nd of 3,063 US counties · median $234,566
- 50th pct · 31st of 62 New York counties · median $256,722
| Item | Value | Distance |
|---|---|---|
| Delaware County, NY | $257,029 · +4.5% 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 $1,407 a month on $257,029 at 7.28%, against an average weekly wage worth $6,400 a month: 22.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $257,029 × 80% = $205,623, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,407/mo principal and interest
- wage share = payment / (avg weekly wage $1,477 × 52 / 12 = $6,400) = 22% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $257,029 / ($1,477 × 52) = 3.3
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 #
14,476 jobs at 1,269 employers (2026 Q1); +3.5% jobs and +15.9% average weekly wage over the year
- 63rd pct · 1,168th of 3,221 US counties · median 8,232
- 18th pct · 51st of 62 New York counties · median 32,139
| Item | Value | Distance |
|---|---|---|
| Delaware County, NY | 14,476 jobs · $1,477/wk · +3.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,944 | $2,715 | 2.53 | +5.4% |
| Health care and social assistance | 1,816 | $1,164 | 0.83 | +0.0% |
| Retail trade | 1,238 | $685 | 0.88 | -3.2% |
| Accommodation and food services | 782 | $433 | 0.60 | -12.7% |
| Information | 647 | $2,313 | 2.42 | +114.2% |
| Construction | 516 | $1,301 | 0.68 | -6.9% |
| Other services | 515 | $759 | 1.19 | +3.0% |
| Finance and insurance | 409 | $1,316 | 0.69 | +3.3% |
| Wholesale trade | 343 | $2,146 | 0.62 | -7.5% |
| Professional and technical services | 237 | $1,280 | 0.24 | +12.3% |
| Unclassified | 145 | $900 | 4.71 | +85.9% |
| Arts, entertainment and recreation | 134 | $505 | 0.56 | -8.2% |
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 #
5 USGS reservoir gauges, no capacity figures to weight
Sites found: 5, 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-01429400 | 990.0 ft (USGS, no capacity on file) | 69 km |
| USGS-01534180 | 1,578 ft (USGS, no capacity on file) | 70 km |
| USGS-01428900 | 1,125 ft (USGS, no capacity on file) | 74 km |
| USGS-01534490 | 1,108 ft (USGS, no capacity on file) | 88 km |
| USGS-01447780 | 1,355 ft (USGS, no capacity on file) | 136 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 #
212 gauges · 0 flooding · 122 with quality panels averaging 98 % · 85 stale
Sites found: 212, 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 |
|---|---|---|
| MYRTLE BROOK AT STATE HWY 214 AT EDGEWOOD NY | flow 3.52 ft³/s · quality 0 % (1) | 61 km |
| USGS-01415460 | flow 2.39 ft³/s · quality 100 % (1) · STALE | 7 km |
| USGS-01422500 | flow 18.0 ft³/s | 8 km |
| USGS-01422738 | flow 1.50 ft³/s · STALE | 10 km |
| USGS-01421900 | flow 54.2 ft³/s · no flooding | 11 km |
| East Branch Delaware River at Pepacton Reservoir | observation not current | 13 km |
| USGS-01422747 | flow 12.1 ft³/s · no flooding | 13 km |
| USGS-01417000 | flow 91.8 ft³/s · quality 100 % (1) · no flooding | 13 km |
| USGS-01422779 | flow 9.38 ft³/s | 13 km |
| USGS-01423000 | flow 129.0 ft³/s · quality 100 % (2) · no flooding | 15 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 #
20 wells in 0 named aquifers:
Sites found: 20, 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-421948074483701 | depth 7.12 ft · 2026-10-05 | 20 km |
| USGS-421948074483702 | depth 3.22 ft · 2026-10-05 | 20 km |
| USGS-421556075281602 | depth 9.03 ft · 2026-10-05 | 42 km |
| USGS-01434498 | level 1,625 ft · 2026-10-05 | 44 km |
| USGS-01435000 | level 1,529 ft · 2026-10-05 | 46 km |
| USGS-424136075025101 | depth 7.63 ft · 2026-10-05 | 56 km |
| USGS-421746074180201 | depth 6.41 ft · 2026-10-05 | 56 km |
| USGS-414525074360601 | depth 9.13 ft · 2026-10-05 | 57 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 (0.01)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.02 / 0.55
Banks & federal dollars #
$1.2 bn in deposits at 17 offices of 4 banks (SOD June 2026); HHI 2,756, highly concentrated. $300.2 m federal obligations in FY2026 (direct payments $286.5 m, grants $10.8 m), $20,737 per covered job
| Item | Value | Distance |
|---|---|---|
| Wayne Bank | $397.2 m · 32.2% share · 5 offices | |
| The Delaware National Bank of Delhi | $348.6 m · 28.3% share · 4 offices | |
| NBT Bank, National Association | $346.9 m · 28.1% share · 5 offices | |
| Delaware, NY | $300.2 m FY2026 · $20,737/job | |
| MULTIPLE RECIPIENTS | $282.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wayne Bank | $397,245,000 | 32.2% | 5 |
| The Delaware National Bank of Delhi | $348,590,000 | 28.3% | 4 |
| NBT Bank, National Association | $346,854,000 | 28.1% | 5 |
| Community Bank, National Association | $141,205,000 | 11.4% | 3 |
Deposit concentration is 2,756 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 32.2² + 28.3² + 28.1² + … (1 more) = 2,756
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 | $265,063,854 |
| Department of Veterans Affairs | $15,320,233 |
| Department of Transportation | $6,563,793 |
| Department of Defense | $2,941,321 |
| Department of Health and Human Services | $2,910,622 |
| Department of Housing and Urban Development | $2,460,241 |
| Railroad Retirement Board | $1,678,976 |
| Department of Agriculture | $1,490,328 |
| Federal Communications Commission | $1,312,921 |
| Department of Education | $570,894 |
| Institute of Museum and Library Services | $151,675 |
| Small Business Administration | $0 |
That is $20,737 per covered job, against 14,476 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $300.2 m / 14,476 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,737
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 #
Delaware County, NY: 10 findings, 2 at a watch level and 8 noted
watchDelaware County, NY's typical home value of +4.5% scores 67 on the 0-to-100 scale across US counties but 20 across New York counties, a gap of 47 points.
Period 2026-08.Show the arithmetic
- 47 = |67 across US counties - 20 across New York counties|
position among the entities that published this metric this period; not an official level
watchDelaware County, NY's covered employment of 14,476 scores 64 on the 0-to-100 scale across US counties but 18 across New York counties, a gap of 46 points.
Period 2026 Q1.Show the arithmetic
- 46 = |64 across US counties - 18 across New York counties|
position among the entities that published this metric this period; not an official level
noteDelaware County, NY's average weekly wage was 15.9% 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
- +15.9 % = 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
noteDelaware County, NY's covered employment was 3.5% 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
- +3.5 % = 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
noteDelaware County, NY's typical home value rose 0.7% from $255,367 in July 2026 to $257,029 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.7% = (257029.23815968013 - 255366.72498841374) / 255366.72498841374 × 100
- 257029.23815968013 = Zillow ZHVI, 2026-08
- 255366.72498841374 = Zillow ZHVI, 2026-07
Read all 10 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.