Hamilton County, NY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.66, -74.50.
Assembled 2026-10-06. Read the brief.
- 63rd pct · 1,119th of 3,063 US counties · median $234,566
- 54th pct · 29th of 62 New York counties · median $256,722
- 45th pct · 1,670th of 3,063 US counties · median +2.9%
- 0th pct · 62nd of 62 New York counties · median +5.7%
- US counties: not published this period
- New York counties: not published this period
- 9th pct · 2,907th of 3,221 US counties · median 8,232
- 0th pct · 62nd of 62 New York counties · median 32,139
- 41st pct · 1,886th of 3,221 US counties · median $1,039
- 1st pct · 61st of 62 New York counties · median $1,250
- 69th pct · 937th of 3,063 US counties · median 4.3
- 70th pct · 19th 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 $276,497 (Aug 2026), +2.5% over one year, +27.7% over five
- 63rd pct · 1,119th of 3,063 US counties · median $234,566
- 54th pct · 29th of 62 New York counties · median $256,722
| Item | Value | Distance |
|---|---|---|
| Hamilton County, NY | $276,497 · +2.5% 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 $1,513 a month on $276,497 at 7.28%, against an average weekly wage worth $4,338 a month: 34.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $276,497 × 80% = $221,198, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,513/mo principal and interest
- wage share = payment / (avg weekly wage $1,001 × 52 / 12 = $4,338) = 35% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $276,497 / ($1,001 × 52) = 5.3
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 #
1,353 jobs at 229 employers (2026 Q1); -3.8% jobs and -0.1% average weekly wage over the year
- 9th pct · 2,907th of 3,221 US counties · median 8,232
- 0th pct · 62nd of 62 New York counties · median 32,139
| Item | Value | Distance |
|---|---|---|
| Hamilton County, NY | 1,353 jobs · $1,001/wk · -3.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 153 | $527 | 1.26 | -13.1% |
| Retail trade | 143 | $745 | 1.08 | -4.0% |
| Arts, entertainment and recreation | 118 | $746 | 5.30 | -4.8% |
| Construction | 77 | $754 | 1.09 | +0.0% |
| Other services | 17 | $491 | 0.42 | -5.6% |
| Agriculture, forestry, fishing | withheld | |||
| Utilities | withheld | |||
| Manufacturing | withheld | |||
| Wholesale trade | withheld | |||
| Transportation and warehousing | withheld | |||
| Information | withheld | |||
| Finance and insurance | withheld |
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 #
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 #
31 gauges · 0 flooding · 6 with quality panels averaging 100 % · 10 stale
Sites found: 31, 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-04253294 | flow 0.09 ft³/s | 19 km |
| USGS-04253295 | flow 0.01 ft³/s | 19 km |
| USGS-04253296 | flow 0.13 ft³/s · quality 100 % (1) | 20 km |
| INDIAN RIVER NEAR INDIAN LAKE NY | flow 178.0 ft³/s | 22 km |
| INDIAN RIVER BLW LAKE ABANAKEE NR INDIAN LAKE NY | stage 5.27 ft · STALE | 27 km |
| HONNEDAGA L TRIB NO 4 AT FOREST LODGE NY | flow 3.33 ft³/s · quality 100 % (1) · STALE | 28 km |
| HONNEDAGA LAKE TRIBUTARY NO. 5 AT FOREST LODGE NY | flow 0.49 ft³/s · quality 100 % (1) · STALE | 29 km |
| HONNEDAGA LAKE TRIBUTARY NO. 6 AT FOREST LODGE NY | flow 0.08 ft³/s · quality 100 % (1) · STALE | 30 km |
| HONNEDAGA LAKE TRIBUTARY NO. 3 NR FOREST LODGE NY | flow 0.97 ft³/s · quality 100 % (1) · STALE | 32 km |
| HONNEDAGA LAKE TRIBUTARY NO. 2 NR FOREST LODGE NY | flow 0.59 ft³/s · quality 100 % (1) · STALE | 32 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 #
10 wells in 0 named aquifers:
Sites found: 10, 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-432832074122201 | depth 13.3 ft · 2026-10-04 | 31 km |
| USGS-440013074244101 | depth 8.33 ft · 2026-10-04 | 39 km |
| USGS-431509074093201 | depth 29.3 ft · 2026-10-04 | 53 km |
| USGS-431841074573201 | depth 31.2 ft · 2026-10-04 | 53 km |
| USGS-433112075091501 | depth 26.4 ft · 2026-10-04 | 55 km |
| USGS-430930074290301 | depth 7.22 ft · 2026-10-04 | 56 km |
| USGS-433001073474701 | depth 19.6 ft · 2026-10-04 | 59 km |
| USGS-433258073440201 | depth 42.7 ft · 2026-10-04 | 63 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.00 / 0.55
Banks & federal dollars #
$120.1 m in deposits at 3 offices of 2 banks (SOD June 2026); HHI 5,284, highly concentrated. $9.4 m federal obligations in FY2026 (grants $9.4 m, contracts $6,072), $6,939 per covered job
| Item | Value | Distance |
|---|---|---|
| Community Bank, National Association | $74.4 m · 61.9% share · 2 offices | |
| NBT Bank, National Association | $45.7 m · 38.1% share · 1 office | |
| Hamilton, NY | $9.4 m FY2026 · $6,939/job | |
| MULTIPLE RECIPIENTS | $39.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Community Bank, National Association | $74,383,000 | 61.9% | 2 |
| NBT Bank, National Association | $45,739,000 | 38.1% | 1 |
Deposit concentration is 5,284 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 61.9² + 38.1² = 5,284
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 | $37,614,870 |
| Department of Transportation | $9,202,851 |
| Department of Veterans Affairs | $2,001,304 |
| Railroad Retirement Board | $317,730 |
| Institute of Museum and Library Services | $300,000 |
| Department of Housing and Urban Development | $71,723 |
| Department of Education | $53,119 |
| Federal Communications Commission | $20,541 |
| Department of Defense | $6,072 |
| Department of Agriculture | -$173,031 |
That is $6,939 per covered job, against 1,353 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $9.4 m / 1,353 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $6,939
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 | 12.28 | 2026-10-04 | -0.1% |
| 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 | 2026-10-05 | +0.1% |
| 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 #
Hamilton County, NY: 16 findings, 1 at an alert level, 5 at a watch level and 10 noted
alertHamilton County, NY's covered employment is -3.8% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, 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 = -3.8 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchHamilton County, NY's covered employment is -3.8% 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 = -3.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchHamilton County, NY's average weekly wage is -0.1% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, 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.avgWeeklyWage = -0.1 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchHamilton County, NY's momentum index is -0.27, a watch level here: momentum index in the cooling band (the cooling band of the momentum index computed here, score at or below -0.25; convention chosen for this dashboard, not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-08.Show the arithmetic
- test: momentum = -0.26824269562842007 <= -0.25
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
the cooling band of the momentum index computed here, score at or below -0.25; convention chosen for this dashboard, not an official level
watchHamilton County, NY's typical home value of +2.5% scores 45 on the 0-to-100 scale across US counties but 0 across New York counties, a gap of 45 points.
Period 2026-08.Show the arithmetic
- 45 = |45 across US counties - 0 across New York counties|
position among the entities that published this metric this period; not an official level
Read all 12 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.