Dutchess County, NY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.75, -73.74.
Assembled 2026-10-06. Read the brief.
- 93rd pct · 192nd of 3,063 US counties · median $234,566
- 85th pct · 10th of 62 New York counties · median $256,722
- counties in the Kiryas Joel-Poughkeepsie-Newburgh metro: Rank context is unavailable: the manifest lists 2 counties in the Kiryas Joel-Poughkeepsie-Newburgh metro; fewer than 5 is too few to rank.
- 77th pct · 685th of 3,063 US counties · median +2.9%
- 49th pct · 32nd of 62 New York counties · median +5.7%
- counties in the Kiryas Joel-Poughkeepsie-Newburgh metro: Rank context is unavailable: the manifest lists 2 counties in the Kiryas Joel-Poughkeepsie-Newburgh metro; fewer than 5 is too few to rank.
- 87th pct · 176th of 1,399 US counties · median $1,496
- 75th pct · 13th of 49 New York counties · median $1,531
- counties in the Kiryas Joel-Poughkeepsie-Newburgh metro: Rank context is unavailable: the manifest lists 2 counties in the Kiryas Joel-Poughkeepsie-Newburgh metro; fewer than 5 is too few to rank.
- 91st pct · 272nd of 3,221 US counties · median 8,232
- 77th pct · 15th of 62 New York counties · median 32,139
- counties in the Kiryas Joel-Poughkeepsie-Newburgh metro: Rank context is unavailable: the manifest lists 2 counties in the Kiryas Joel-Poughkeepsie-Newburgh metro; fewer than 5 is too few to rank.
- 91st pct · 279th of 3,221 US counties · median $1,039
- 83rd pct · 11th of 62 New York counties · median $1,250
- counties in the Kiryas Joel-Poughkeepsie-Newburgh metro: Rank context is unavailable: the manifest lists 2 counties in the Kiryas Joel-Poughkeepsie-Newburgh metro; fewer than 5 is too few to rank.
- 85th pct · 432nd of 3,063 US counties · median 4.3
- 80th pct · 13th of 62 New York counties · median 4.1
- counties in the Kiryas Joel-Poughkeepsie-Newburgh metro: Rank context is unavailable: the manifest lists 2 counties in the Kiryas Joel-Poughkeepsie-Newburgh metro; fewer than 5 is too few to rank.
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 $506,431 (Aug 2026), +5.7% over one year, +34.6% over five
- 93rd pct · 192nd of 3,063 US counties · median $234,566
- 85th pct · 10th of 62 New York counties · median $256,722
- counties in the Kiryas Joel-Poughkeepsie-Newburgh metro: Rank context is unavailable: the manifest lists 2 counties in the Kiryas Joel-Poughkeepsie-Newburgh metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Dutchess County, NY | $506,431 · +5.7% 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 $2,099/mo (Aug 2026), +4.4% over one year; price-to-rent 20.1
- 87th pct · 176th of 1,399 US counties · median $1,496
- 75th pct · 13th of 49 New York counties · median $1,531
- counties in the Kiryas Joel-Poughkeepsie-Newburgh metro: Rank context is unavailable: the manifest lists 2 counties in the Kiryas Joel-Poughkeepsie-Newburgh metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Dutchess County, NY | $2,099/mo · +4.4% 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 $2,772 a month on $506,431 at 7.28%, against an average weekly wage worth $6,296 a month: 44.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $506,431 × 80% = $405,144, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,772/mo principal and interest
- wage share = payment / (avg weekly wage $1,453 × 52 / 12 = $6,296) = 44% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $506,431 / ($1,453 × 52) = 6.7
- price-to-rent = $506,431 / ($2,099 × 12) = 20.1
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 #
116,119 jobs at 9,043 employers (2026 Q1); +0.5% jobs and +4.8% average weekly wage over the year
- 91st pct · 272nd of 3,221 US counties · median 8,232
- 77th pct · 15th of 62 New York counties · median 32,139
- counties in the Kiryas Joel-Poughkeepsie-Newburgh metro: Rank context is unavailable: the manifest lists 2 counties in the Kiryas Joel-Poughkeepsie-Newburgh metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Dutchess County, NY | 116,119 jobs · $1,453/wk · +0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 22,041 | $1,435 | 1.26 | +6.7% |
| Retail trade | 13,007 | $860 | 1.15 | -2.0% |
| Educational services | 9,704 | $1,063 | 3.88 | +5.7% |
| Accommodation and food services | 9,672 | $585 | 0.93 | -1.4% |
| Manufacturing | 6,271 | $2,707 | 0.67 | -4.3% |
| Administrative and waste services | 5,651 | $1,552 | 0.86 | +3.5% |
| Construction | 5,429 | $1,633 | 0.89 | -6.8% |
| Transportation and warehousing | 5,412 | $1,015 | 1.11 | -0.7% |
| Other services | 3,584 | $1,108 | 1.03 | -3.7% |
| Professional and technical services | 3,334 | $1,608 | 0.42 | -1.9% |
| Finance and insurance | 2,660 | $2,652 | 0.56 | -0.9% |
| Arts, entertainment and recreation | 1,628 | $821 | 0.85 | +1.1% |
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 #
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 |
|---|---|---|
| USGS-01429400 | 990.0 ft (USGS, no capacity on file) | 128 km |
| USGS-01428900 | 1,125 ft (USGS, no capacity on file) | 133 km |
| USGS-01534180 | 1,578 ft (USGS, no capacity on file) | 145 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 #
219 gauges · 0 flooding · 116 with quality panels averaging 98 % · 94 stale
Sites found: 219, 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-01362322 | flow 3.52 ft³/s · quality 0 % (1) | 59 km |
| USGS-01374019 | turb. 17.8 FNU · quality 80 % (5) · STALE | 45 km |
| USGS-01372500 | flow 31.6 ft³/s · no flooding | 16 km |
| USGS-01372051 | flow 2.80 ft³/s · STALE | 16 km |
| USGS-01372043 | turb. 26.2 FNU · quality 90 % (5) · no flooding · STALE | 17 km |
| TENMILE RIVER NEAR GAYLORDSVILLE, CT | flow 63.8 ft³/s · no flooding | 21 km |
| USGS-01372058 | turb. 16.0 FNU · quality 100 % (3) · STALE | 21 km |
| HOUSATONIC RIVER AT GAYLORDSVILLE, CT | flow 342.0 ft³/s · no flooding | 24 km |
| USGS-01372007 | stage 2.75 ft | 27 km |
| HOUSATONIC RIVER NEAR NEW MILFORD, CT | flow 383.0 ft³/s · quality 100 % (5) | 30 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 #
63 wells in 0 named aquifers:
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 |
|---|---|---|
| USGS-414128073475201 | depth 16.1 ft · 2026-10-05 | 9 km |
| USGS-414737073563301 | depth 69.3 ft · 2026-10-05 | 17 km |
| USGS-414948074035001 | depth 18.7 ft · 2026-10-05 | 28 km |
| USGS-414429074052001 | depth 24.3 ft · 2026-10-05 | 29 km |
| USGS-415018074063101 | level 77.0 ft · 2020-11-17 | 32 km |
| USGS-414827074074001 | level 226.2 ft · 2020-05-30 | 33 km |
| USGS-414926074072701 | level 195.2 ft · 2024-08-05 | 33 km |
| USGS-415032074070801 | level 198.0 ft · 2026-08-31 | 33 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 #
$8.7 bn in deposits at 68 offices of 15 banks (SOD June 2026); HHI 1,202, moderately concentrated. $2.0 bn federal obligations in FY2026 (direct payments $1.8 bn, contracts $67.3 m), $16,997 per covered job
| Item | Value | Distance |
|---|---|---|
| Citizens Bank, National Association | $2.0 bn · 22.7% share · 3 offices | |
| JPMorgan Chase Bank, National Association | $1.4 bn · 15.6% share · 7 offices | |
| Rhinebeck Bank | $1.1 bn · 12.5% share · 10 offices | |
| Dutchess, NY | $2.0 bn FY2026 · $16,997/job | |
| MULTIPLE RECIPIENTS | $1.8 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Citizens Bank, National Association | $1,980,789,000 | 22.7% | 3 |
| JPMorgan Chase Bank, National Association | $1,357,464,000 | 15.6% | 7 |
| Rhinebeck Bank | $1,090,995,000 | 12.5% | 10 |
| Manufacturers and Traders Trust Company | $930,157,000 | 10.7% | 11 |
| KeyBank National Association | $603,627,000 | 6.9% | 7 |
| TD Bank, National Association | $446,191,000 | 5.1% | 2 |
| Wells Fargo Bank, National Association | $407,783,000 | 4.7% | 3 |
| Bank of America, National Association | $383,195,000 | 4.4% | 2 |
| NBT Bank, National Association | $372,350,000 | 4.3% | 4 |
| Tompkins Community Bank | $327,635,000 | 3.8% | 3 |
Deposit concentration is 1,202 across 15 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 15 banks with deposits in the county = 22.7² + 15.6² + 12.5² + … (12 more) = 1,202
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 | $1,666,158,387 |
| Department of Veterans Affairs | $156,476,052 |
| Department of Health and Human Services | $35,373,156 |
| Department of Education | $33,076,393 |
| Railroad Retirement Board | $27,807,000 |
| Department of Housing and Urban Development | $25,774,365 |
| Department of Transportation | $11,066,887 |
| Department of Defense | $7,172,134 |
| National Science Foundation | $3,879,482 |
| Federal Communications Commission | $3,291,239 |
| Department of Agriculture | $2,892,181 |
| National Archives and Records Administration | $2,519,242 |
That is $16,997 per covered job, against 116,119 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $2.0 bn / 116,119 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,997
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 #
Dutchess County, NY: 9 findings, 9 noted
noteDutchess County, NY's average weekly wage was 4.8% 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
- +4.8 % = 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
noteDutchess County, NY's typical asking rent fell 0.8% from $2,117 in July 2026 to $2,099 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -0.8% = (2099.286788617886 - 2117.03444078677) / 2117.03444078677 × 100
- 2099.286788617886 = Zillow ZORI, 2026-08
- 2117.03444078677 = Zillow ZORI, 2026-07
noteDutchess County, NY's typical home value rose 0.5% from $503,868 in July 2026 to $506,431 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.5% = (506430.61077212146 - 503867.7339145871) / 503867.7339145871 × 100
- 506430.61077212146 = Zillow ZHVI, 2026-08
- 503867.7339145871 = Zillow ZHVI, 2026-07
noteDutchess County, NY's covered employment was 0.5% 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
- +0.5 % = 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
noteDutchess County, NY's typical home value of $506,431 ranks 192nd of 3,063 US counties, against a median of $234,566.
Period 2026-08.Show the arithmetic
- 94 on the 0-to-100 scale across 3063 US counties that published home.latest
position among the entities that published this metric this period; not an official level
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.