Genesee County, NY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.00, -78.19.
Assembled 2026-10-06. Read the brief.
- 47th pct · 1,603rd of 3,063 US counties · median $234,566
- 31st pct · 43rd of 62 New York counties · median $256,722
- 78th pct · 652nd of 3,063 US counties · median +2.9%
- 55th pct · 28th of 62 New York counties · median +5.7%
- 51st pct · 674th of 1,399 US counties · median $1,496
- 45th pct · 27th of 49 New York counties · median $1,531
- 73rd pct · 843rd of 3,221 US counties · median 8,232
- 39th pct · 38th of 62 New York counties · median 32,139
- 71st pct · 920th of 3,221 US counties · median $1,039
- 32nd pct · 42nd of 62 New York counties · median $1,250
- 38th pct · 1,869th of 3,063 US counties · median 4.3
- 36th pct · 40th 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 $228,393 (Aug 2026), +5.8% over one year, +30.0% over five
- 47th pct · 1,603rd of 3,063 US counties · median $234,566
- 31st pct · 43rd of 62 New York counties · median $256,722
| Item | Value | Distance |
|---|---|---|
| Genesee County, NY | $228,393 · +5.8% 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 $1,516/mo (Aug 2026), n/a over one year; price-to-rent 12.6
- 51st pct · 674th of 1,399 US counties · median $1,496
- 45th pct · 27th of 49 New York counties · median $1,531
| Item | Value | Distance |
|---|---|---|
| Genesee County, NY | $1,516/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 $1,250 a month on $228,393 at 7.28%, against an average weekly wage worth $5,027 a month: 24.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $228,393 × 80% = $182,714, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,250/mo principal and interest
- wage share = payment / (avg weekly wage $1,160 × 52 / 12 = $5,027) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $228,393 / ($1,160 × 52) = 3.8
- price-to-rent = $228,393 / ($1,516 × 12) = 12.6
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 #
23,037 jobs at 1,499 employers (2026 Q1); +1.0% jobs and +2.8% average weekly wage over the year
- 73rd pct · 843rd of 3,221 US counties · median 8,232
- 39th pct · 38th of 62 New York counties · median 32,139
| Item | Value | Distance |
|---|---|---|
| Genesee County, NY | 23,037 jobs · $1,160/wk · +1.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 3,476 | $1,394 | 1.88 | +7.8% |
| Health care and social assistance | 2,942 | $1,109 | 0.85 | +2.3% |
| Retail trade | 2,618 | $727 | 1.17 | -2.2% |
| Accommodation and food services | 1,720 | $480 | 0.83 | +1.4% |
| Wholesale trade | 1,136 | $1,372 | 1.29 | +3.0% |
| Construction | 852 | $1,345 | 0.71 | +2.9% |
| Other services | 837 | $689 | 1.22 | +6.1% |
| Agriculture, forestry, fishing | 829 | $1,150 | 4.98 | +0.0% |
| Transportation and warehousing | 780 | $1,048 | 0.80 | +62.5% |
| Administrative and waste services | 571 | $1,510 | 0.44 | -6.4% |
| Finance and insurance | 399 | $1,915 | 0.43 | +1.3% |
| Professional and technical services | 365 | $1,140 | 0.23 | +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 #
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 #
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 #
$1.2 bn in deposits at 13 offices of 7 banks (SOD June 2026); HHI 2,293, highly concentrated. $454.1 m federal obligations in FY2026 (direct payments $380.8 m, contracts $59.2 m), $19,710 per covered job
| Item | Value | Distance |
|---|---|---|
| Tompkins Community Bank | $417.5 m · 34.5% share · 4 offices | |
| Five Star Bank | $250.7 m · 20.7% share · 2 offices | |
| Manufacturers and Traders Trust Company | $208.1 m · 17.2% share · 2 offices | |
| Genesee, NY | $454.1 m FY2026 · $19,710/job | |
| MULTIPLE RECIPIENTS | $373.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Tompkins Community Bank | $417,517,000 | 34.5% | 4 |
| Five Star Bank | $250,747,000 | 20.7% | 2 |
| Manufacturers and Traders Trust Company | $208,119,000 | 17.2% | 2 |
| Bank of America, National Association | $195,840,000 | 16.2% | 1 |
| KeyBank National Association | $128,951,000 | 10.7% | 2 |
| Wilmington Trust, National Association | $4,927,000 | 0.4% | 1 |
| Woodforest National Bank | $3,478,000 | 0.3% | 1 |
Deposit concentration is 2,293 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 34.5² + 20.7² + 17.2² + … (4 more) = 2,293
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 | $337,140,018 |
| Department of Veterans Affairs | $48,978,541 |
| Department of Homeland Security | $43,379,425 |
| Department of Transportation | $9,805,179 |
| Department of Education | $5,330,582 |
| Department of Agriculture | $4,322,156 |
| Department of Housing and Urban Development | $2,169,285 |
| Railroad Retirement Board | $1,469,344 |
| Department of Health and Human Services | $755,389 |
| Department of Defense | $249,335 |
| Department of the Interior | $236,783 |
| Corporation for National and Community Service | $140,857 |
That is $19,710 per covered job, against 23,037 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $454.1 m / 23,037 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,710
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 #
Genesee County, NY: 9 findings, 2 at a watch level and 7 noted
watchGenesee County, NY's average weekly wage of $1,160 scores 71 on the 0-to-100 scale across US counties but 33 across New York counties, a gap of 39 points.
Period 2026 Q1.Show the arithmetic
- 39 = |71 across US counties - 33 across New York counties|
position among the entities that published this metric this period; not an official level
watchGenesee County, NY's covered employment of 23,037 scores 74 on the 0-to-100 scale across US counties but 39 across New York counties, a gap of 35 points.
Period 2026 Q1.Show the arithmetic
- 35 = |74 across US counties - 39 across New York counties|
position among the entities that published this metric this period; not an official level
noteGenesee County, NY's typical asking rent rose 2.9% from $1,474 in July 2026 to $1,516 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +2.9% = (1516.111111111111 - 1473.818796459539) / 1473.818796459539 × 100
- 1516.111111111111 = Zillow ZORI, 2026-08
- 1473.818796459539 = Zillow ZORI, 2026-07
noteGenesee County, NY's average weekly wage was 2.8% 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
- +2.8 % = 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
noteGenesee 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
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.