Ontario County, NY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.86, -77.30.
Assembled 2026-10-06. Read the brief.
- 75th pct · 743rd of 3,063 US counties · median $234,566
- 68th pct · 20th of 62 New York counties · median $256,722
- 100th pct · 1st of 5 counties in the Rochester metro · median $256,174
- 80th pct · 600th of 3,063 US counties · median +2.9%
- 62nd pct · 24th of 62 New York counties · median +5.7%
- 50th pct · 3rd of 5 counties in the Rochester metro · median +6.1%
- 71st pct · 393rd of 1,399 US counties · median $1,496
- 62nd pct · 19th of 49 New York counties · median $1,531
- 75th pct · 2nd of 5 counties in the Rochester metro · median $1,531
- 84th pct · 491st of 3,221 US counties · median 8,232
- 63rd pct · 23rd of 62 New York counties · median 32,139
- 75th pct · 2nd of 5 counties in the Rochester metro · median 28,308
- 86th pct · 422nd of 3,221 US counties · median $1,039
- 65th pct · 22nd of 62 New York counties · median $1,250
- 75th pct · 2nd of 5 counties in the Rochester metro · median $1,202
- 59th pct · 1,233rd of 3,063 US counties · median 4.3
- 63rd pct · 23rd of 62 New York counties · median 4.1
- 100th pct · 1st of 5 counties in the Rochester metro · 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 $329,614 (Aug 2026), +6.1% over one year, +37.8% over five
- 75th pct · 743rd of 3,063 US counties · median $234,566
- 68th pct · 20th of 62 New York counties · median $256,722
- 100th pct · 1st of 5 counties in the Rochester metro · median $256,174
| Item | Value | Distance |
|---|---|---|
| Ontario County, NY | $329,614 · +6.1% 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 $1,773/mo (Aug 2026), +2.6% over one year; price-to-rent 15.5
- 71st pct · 393rd of 1,399 US counties · median $1,496
- 62nd pct · 19th of 49 New York counties · median $1,531
- 75th pct · 2nd of 5 counties in the Rochester metro · median $1,531
| Item | Value | Distance |
|---|---|---|
| Ontario County, NY | $1,773/mo · +2.6% 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 $1,804 a month on $329,614 at 7.28%, against an average weekly wage worth $5,781 a month: 31.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $329,614 × 80% = $263,691, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,804/mo principal and interest
- wage share = payment / (avg weekly wage $1,334 × 52 / 12 = $5,781) = 31% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $329,614 / ($1,334 × 52) = 4.8
- price-to-rent = $329,614 / ($1,773 × 12) = 15.5
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 #
52,324 jobs at 3,308 employers (2026 Q1); -1.9% jobs and +4.0% average weekly wage over the year
- 84th pct · 491st of 3,221 US counties · median 8,232
- 63rd pct · 23rd of 62 New York counties · median 32,139
- 75th pct · 2nd of 5 counties in the Rochester metro · median 28,308
| Item | Value | Distance |
|---|---|---|
| Ontario County, NY | 52,324 jobs · $1,334/wk · -1.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 7,778 | $1,136 | 0.99 | +0.8% |
| Retail trade | 6,949 | $744 | 1.36 | -3.5% |
| Manufacturing | 6,122 | $1,450 | 1.45 | +0.2% |
| Accommodation and food services | 4,456 | $551 | 0.95 | -1.5% |
| Construction | 3,553 | $2,392 | 1.30 | +4.4% |
| Administrative and waste services | 2,381 | $2,198 | 0.80 | -20.0% |
| Transportation and warehousing | 1,932 | $1,154 | 0.88 | +2.4% |
| Other services | 1,537 | $782 | 0.98 | +2.8% |
| Professional and technical services | 1,521 | $2,352 | 0.42 | -8.3% |
| Wholesale trade | 1,424 | $2,229 | 0.71 | -11.4% |
| Educational services | 1,292 | $985 | 1.15 | -0.2% |
| Arts, entertainment and recreation | 1,152 | $493 | 1.34 | -5.3% |
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 #
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 |
|---|---|---|
| Cowanesque Lake at Lawrenceville, PA | 1,080 ft (USGS, no capacity on file) | 98 km |
| Hammond Lake at Hammond Dam at Tioga, PA | 1,086 ft (USGS, no capacity on file) | 107 km |
| Tioga Lake at Tioga Dam at Tioga, PA | 1,082 ft (USGS, no capacity on file) | 107 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 #
98 gauges · 0 flooding · 13 with quality panels averaging 97 % · 27 stale
Sites found: 98, 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 |
|---|---|---|
| Canandaigua Lake at Canandaigua | no flooding | 3 km |
| USGS-04235000 | flow 32.4 ft³/s · no flooding | 9 km |
| USGS-04234232 | flow 3.80 ft³/s · STALE | 15 km |
| USGS-04234398 | flow 0.12 ft³/s | 17 km |
| USGS-04235250 | flow 4.14 ft³/s · no flooding | 22 km |
| USGS-04234254 | flow 14.0 ft³/s | 23 km |
| Erie Canal at Lock E29 Palmyra | no readings | 24 km |
| IRONDEQUOIT CR AT RAILROAD MILLS NEAR FISHERS NY | flow 18.3 ft³/s | 24 km |
| ERIE (BARGE) CANAL AT LOCK 30 AT MACEDON NY | flow 146.0 ft³/s | 24 km |
| HONEOYE CREEK AT HONEOYE FALLS NY | flow 4.26 ft³/s · no flooding | 26 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 #
22 wells in 0 named aquifers:
Sites found: 22, 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-425803077151201 | depth 3.10 ft · 2026-10-05 | 13 km |
| USGS-425840077133901 | depth 3.77 ft · 2026-10-05 | 15 km |
| USGS-430252077283402 | depth 9.08 ft · 2026-10-05 | 26 km |
| USGS-430311077051501 | depth 13.0 ft · 2026-10-05 | 28 km |
| USGS-424024076574801 | depth 10.6 ft · 2026-10-05 | 34 km |
| USGS-430913077103101 | depth 13.3 ft · 2026-10-05 | 35 km |
| USGS-424347076530202 | depth 5.17 ft · 2026-10-05 | 37 km |
| USGS-424347076530201 | depth 2.05 ft · 2014-09-29 | 37 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 + 0.2×0.03 / 0.55
Banks & federal dollars #
$3.8 bn in deposits at 27 offices of 11 banks (SOD June 2026); HHI 3,111, highly concentrated. $909.3 m federal obligations in FY2026 (direct payments $793.6 m, contracts $84.0 m), $17,379 per covered job
| Item | Value | Distance |
|---|---|---|
| The Canandaigua National Bank and Trust Company | $2.0 bn · 52.4% share · 8 offices | |
| The Lyons National Bank | $414.0 m · 11.0% share · 3 offices | |
| Five Star Bank | $352.9 m · 9.3% share · 4 offices | |
| Ontario, NY | $909.3 m FY2026 · $17,379/job | |
| MULTIPLE RECIPIENTS | $774.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Canandaigua National Bank and Trust Company | $1,979,688,000 | 52.4% | 8 |
| The Lyons National Bank | $414,001,000 | 11.0% | 3 |
| Five Star Bank | $352,930,000 | 9.3% | 4 |
| Community Bank, National Association | $346,044,000 | 9.2% | 4 |
| Wayne Bank | $220,916,000 | 5.8% | 1 |
| JPMorgan Chase Bank, National Association | $165,048,000 | 4.4% | 2 |
| Citizens Bank, National Association | $143,714,000 | 3.8% | 1 |
| Manufacturers and Traders Trust Company | $69,962,000 | 1.9% | 1 |
| KeyBank National Association | $48,288,000 | 1.3% | 1 |
| CNB Bank | $35,427,000 | 0.9% | 1 |
Deposit concentration is 3,111 across 11 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 52.4² + 11.0² + 9.3² + … (8 more) = 3,111
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 | $715,154,687 |
| Department of Veterans Affairs | $87,089,217 |
| Department of Defense | $52,143,473 |
| Department of Transportation | $21,173,108 |
| Department of Education | $13,091,123 |
| Department of Agriculture | $7,406,033 |
| Department of Health and Human Services | $5,141,351 |
| Department of Housing and Urban Development | $3,898,548 |
| Railroad Retirement Board | $1,503,113 |
| Environmental Protection Agency | $1,500,000 |
| Federal Communications Commission | $1,159,848 |
| National Science Foundation | $50,984 |
That is $17,379 per covered job, against 52,324 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $909.3 m / 52,324 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,379
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 #
Ontario County, NY: 11 findings, 1 at a watch level and 10 noted
watchOntario County, NY's covered employment is -1.9% 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 = -1.9 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteOntario County, NY's average weekly wage was 4.0% 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
- +4 % = 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
noteOntario County, NY's covered employment was 1.9% 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
- -1.9 % = 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
noteOntario County, NY's typical asking rent rose 0.6% from $1,764 in July 2026 to $1,773 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.6% = (1773.4265734265734 - 1763.6000497600692) / 1763.6000497600692 × 100
- 1773.4265734265734 = Zillow ZORI, 2026-08
- 1763.6000497600692 = Zillow ZORI, 2026-07
noteOntario County, NY's typical home value rose 0.5% from $327,995 in July 2026 to $329,614 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.5% = (329613.5595597098 - 327994.633793969) / 327994.633793969 × 100
- 329613.5595597098 = Zillow ZHVI, 2026-08
- 327994.633793969 = Zillow ZHVI, 2026-07
Read all 11 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.