Franklin County, NY

Home values #

Typical home $181,687 (Aug 2026), +8.3% over one year, +22.0% over five

• 28th pct · 2,178th of 3,063 US counties · median $234,566
• 9th pct · 56th of 62 New York counties · median $256,722

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 $994 a month on $181,687 at 7.28%, against an average weekly wage worth $5,989 a month: 16.6% of one job’s pay.

• payment = P·r / (1 − (1+r)^−n), P = $181,687 × 80% = $145,349, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $994/mo principal and interest
• wage share = payment / (avg weekly wage $1,382 × 52 / 12 = $5,989) = 17% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
• years of wages = $181,687 / ($1,382 × 52) = 2.5

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 #

17,185 jobs at 1,091 employers (2026 Q1); -0.7% jobs and +2.1% average weekly wage over the year

• 67th pct · 1,033rd of 3,221 US counties · median 8,232
• 26th pct · 46th of 62 New York counties · median 32,139

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 #

No reservoir gauges within 150 km (or the camera is above the gauge altitude)

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 #

34 gauges · 0 flooding · 7 with quality panels averaging 93 % · 13 stale

Sites found: 34, 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 #

9 wells in 0 named aquifers:

Sites found: 9, 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 (0.03)

Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.07 / 0.55

Banks & federal dollars #

$737.4 m in deposits at 14 offices of 6 banks (SOD June 2026); HHI 5,310, highly concentrated. $401.6 m federal obligations in FY2026 (direct payments $308.1 m, contracts $46.8 m), $23,367 per covered job

Deposit concentration is 5,310 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.

HHI = Σ (share %)² over 6 banks with deposits in the county = 71.0² + 14.0² + 6.6² + … (3 more) = 5,310

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.

That is $23,367 per covered job, against 17,185 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $401.6 m / 17,185 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $23,367

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.

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 #

Franklin County, NY: 10 findings, 2 at a watch level and 8 noted

1. watchFranklin County, NY's covered employment is -0.7% against a year earlier, a watch level here: covered employment below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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 Q1.
   Show the arithmetic

   • test: jobs.yoy.emp = -0.7 < 0

   BLS QCEW over-the-year percent change, as published; not an official level

2. watchFranklin County, NY's covered employment of 17,185 scores 68 on the 0-to-100 scale across US counties but 26 across New York counties, a gap of 42 points.

   Period 2026 Q1.
   Show the arithmetic

   • 42 = |68 across US counties - 26 across New York counties|

   position among the entities that published this metric this period; not an official level

3. noteFranklin County, NY's average weekly wage was 2.1% 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

   • +2.1 % = 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

4. noteFranklin County, NY's typical home value rose 0.7% from $180,406 in July 2026 to $181,687 in August 2026, on Zillow ZHVI.

   Period 2026-08.
   Show the arithmetic

   • +0.7% = (181686.84928539404 - 180406.0972079922) / 180406.0972079922 × 100
   • 181686.84928539404 = Zillow ZHVI, 2026-08
   • 180406.0972079922 = Zillow ZHVI, 2026-07

5. noteFranklin County, NY's covered employment was 0.7% lower 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

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.