Putnam County, NY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.43, -73.74.
Assembled 2026-10-06. Read the brief.
- 95th pct · 125th of 3,063 US counties · median $234,566
- 86th pct · 9th of 62 New York counties · median $256,722
- 14th pct · 19th of 22 counties in the New York-Newark-Jersey City metro · median $688,267
- 77th pct · 681st of 3,063 US counties · median +2.9%
- 50th pct · 31st of 62 New York counties · median +5.7%
- 80th pct · 5th of 22 counties in the New York-Newark-Jersey City metro · median +4.7%
- 96th pct · 51st of 1,399 US counties · median $1,496
- 83rd pct · 9th of 49 New York counties · median $1,531
- 42nd pct · 13th of 22 counties in the New York-Newark-Jersey City metro · median $2,832
- 75th pct · 777th of 3,221 US counties · median 8,232
- 42nd pct · 36th of 62 New York counties · median 32,139
- 0th pct · 22nd of 22 counties in the New York-Newark-Jersey City metro · median 283,785
- 86th pct · 445th of 3,221 US counties · median $1,039
- 60th pct · 25th of 62 New York counties · median $1,250
- 23rd pct · 17th of 22 counties in the New York-Newark-Jersey City metro · median $1,632
- 93rd pct · 185th of 3,063 US counties · median 4.3
- 86th pct · 9th of 62 New York counties · median 4.1
- 47th pct · 12th of 22 counties in the New York-Newark-Jersey City metro · median 8.4
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 $577,337 (Aug 2026), +5.7% over one year, +35.3% over five
- 95th pct · 125th of 3,063 US counties · median $234,566
- 86th pct · 9th of 62 New York counties · median $256,722
- 14th pct · 19th of 22 counties in the New York-Newark-Jersey City metro · median $688,267
| Item | Value | Distance |
|---|---|---|
| Putnam County, NY | $577,337 · +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 $2,739/mo (Aug 2026), +7.8% over one year; price-to-rent 17.6
- 96th pct · 51st of 1,399 US counties · median $1,496
- 83rd pct · 9th of 49 New York counties · median $1,531
- 42nd pct · 13th of 22 counties in the New York-Newark-Jersey City metro · median $2,832
| Item | Value | Distance |
|---|---|---|
| Putnam County, NY | $2,739/mo · +7.8% 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 $3,160 a month on $577,337 at 7.28%, against an average weekly wage worth $5,716 a month: 55.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $577,337 × 80% = $461,869, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $3,160/mo principal and interest
- wage share = payment / (avg weekly wage $1,319 × 52 / 12 = $5,716) = 55% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $577,337 / ($1,319 × 52) = 8.4
- price-to-rent = $577,337 / ($2,739 × 12) = 17.6
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 #
26,442 jobs at 3,257 employers (2026 Q1); +0.4% jobs and +1.0% average weekly wage over the year
- 75th pct · 777th of 3,221 US counties · median 8,232
- 42nd pct · 36th of 62 New York counties · median 32,139
- 0th pct · 22nd of 22 counties in the New York-Newark-Jersey City metro · median 283,785
| Item | Value | Distance |
|---|---|---|
| Putnam County, NY | 26,442 jobs · $1,319/wk · +0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 4,250 | $1,314 | 1.07 | +8.8% |
| Retail trade | 2,729 | $816 | 1.06 | -4.4% |
| Construction | 2,494 | $1,430 | 1.80 | -0.9% |
| Accommodation and food services | 1,858 | $567 | 0.78 | +1.2% |
| Professional and technical services | 1,449 | $1,716 | 0.79 | +0.3% |
| Wholesale trade | 1,362 | $1,794 | 1.34 | -2.6% |
| Other services | 1,285 | $918 | 1.63 | -1.5% |
| Manufacturing | 1,025 | $1,672 | 0.48 | -3.8% |
| Educational services | 830 | $1,025 | 1.46 | -1.1% |
| Transportation and warehousing | 811 | $1,199 | 0.73 | +5.1% |
| Arts, entertainment and recreation | 681 | $706 | 1.56 | -2.6% |
| Finance and insurance | 466 | $1,790 | 0.43 | +2.6% |
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 #
4 USGS reservoir gauges, no capacity figures to weight
Sites found: 4, 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) | 148 km |
| USGS-01534490 | 1,108 ft (USGS, no capacity on file) | 149 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 #
158 gauges · 0 flooding · 56 with quality panels averaging 89 % · 47 stale
Sites found: 158, 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 |
|---|---|---|
| FROST CREEK AT SHEEP LN BRIDGE AT LATTINGTOWN NY | temp 15.5 °C · quality 50 % (2) | 59 km |
| HARLEM R AT ROBERTO CLEMENTE STATE PARK, BRONX NY | turb. 5.00 FNU · quality 50 % (2) · STALE | 65 km |
| USGS-410643073243700 | DO 5.40 mg/l · quality 67 % (3) · STALE | 45 km |
| USGS-01376269 | temp 22.1 °C · quality 50 % (2) · STALE | 45 km |
| EAST CREEK AT SANDS POINT NY | temp 15.6 °C · quality 50 % (2) | 63 km |
| USGS-410502073236000 | turb. 3.60 FNU · quality 80 % (5) | 48 km |
| FLAX POND AT OLD FIELD NY | turb. 35.2 FNU · quality 70 % (5) | 72 km |
| WEST HARBOR AT OYSTER BAY NWR AT BAYVILLE NY | turb. 2.30 FNU · quality 80 % (5) | 61 km |
| USGS-410724073221001 | turb. 3.30 FNU · quality 80 % (5) | 46 km |
| HARLEM R AT MILL POND PARK ALCOVE 1 AT BRONX NY | turb. 24.3 FNU · quality 67 % (3) · STALE | 69 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 #
99 wells in 0 named aquifers:
Sites found: 99, 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-412149073445601 | depth 13.8 ft · 2026-10-04 | 7 km |
| USGS-412714073331301 | depth 2.11 ft · 2026-10-04 | 16 km |
| USGS-411421073481202 | depth 12.2 ft · 2026-10-04 | 22 km |
| USGS-411802073593001 | depth 19.0 ft · 2026-10-04 | 25 km |
| USGS-414128073475201 | depth 16.0 ft · 2026-10-04 | 30 km |
| USGS-410853073554001 | depth 6.95 ft · 2026-10-04 | 35 km |
| USGS-410628073413301 | depth 28.7 ft · 2026-10-05 | 36 km |
| USGS-413428074085701 | depth 5.63 ft · 2026-10-04 | 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 (0.04)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.11 / 0.55
Banks & federal dollars #
$2.7 bn in deposits at 23 offices of 9 banks (SOD June 2026); HHI 1,560, moderately concentrated. $32.8 m federal obligations in FY2026 (grants $32.0 m, contracts $699,693), $1,240 per covered job
| Item | Value | Distance |
|---|---|---|
| Tompkins Community Bank | $639.3 m · 23.4% share · 4 offices | |
| Beacon Bank and Trust | $566.8 m · 20.8% share · 3 offices | |
| JPMorgan Chase Bank, National Association | $401.7 m · 14.7% share · 2 offices | |
| Putnam, NY | $32.8 m FY2026 · $1,240/job | |
| MULTIPLE RECIPIENTS | $608.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Tompkins Community Bank | $639,251,000 | 23.4% | 4 |
| Beacon Bank and Trust | $566,767,000 | 20.8% | 3 |
| JPMorgan Chase Bank, National Association | $401,659,000 | 14.7% | 2 |
| KeyBank National Association | $301,285,000 | 11.0% | 3 |
| Wells Fargo Bank, National Association | $287,426,000 | 10.5% | 2 |
| Manufacturers and Traders Trust Company | $226,580,000 | 8.3% | 2 |
| TD Bank, National Association | $170,661,000 | 6.3% | 1 |
| The Putnam County National Bank of Carmel | $132,031,000 | 4.8% | 5 |
| TrustCo Bank | $3,891,000 | 0.1% | 1 |
Deposit concentration is 1,560 across 9 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 23.4² + 20.8² + 14.7² + … (6 more) = 1,560
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 | $565,633,669 |
| Department of Veterans Affairs | $33,517,445 |
| Department of Transportation | $28,071,030 |
| Railroad Retirement Board | $9,822,647 |
| Environmental Protection Agency | $3,500,000 |
| Department of Housing and Urban Development | $859,628 |
| Department of Health and Human Services | $459,140 |
| Department of State | $180,832 |
| Federal Communications Commission | $133,149 |
| Department of Defense | $64,522 |
| Department of Education | $27,249 |
| Department of Justice | $4,726 |
That is $1,240 per covered job, against 26,442 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $32.8 m / 26,442 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $1,240
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 #
Putnam County, NY: 11 findings, 2 at a watch level and 9 noted
watchPutnam County, NY's years of wages of 8.4 ranks 185th of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; 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: yearsOfWages percentile = 93.99085564990203 >= 90
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level
watchPutnam County, NY's covered employment of 26,442 scores 76 on the 0-to-100 scale across US counties but 43 across New York counties, a gap of 33 points.
Period 2026 Q1.Show the arithmetic
- 33 = |76 across US counties - 43 across New York counties|
position among the entities that published this metric this period; not an official level
notePutnam County, NY's average weekly wage 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
notePutnam County, NY's typical asking rent fell 1.0% from $2,766 in July 2026 to $2,739 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -1.0% = (2739.305555555555 - 2766.371187117507) / 2766.371187117507 × 100
- 2739.305555555555 = Zillow ZORI, 2026-08
- 2766.371187117507 = Zillow ZORI, 2026-07
notePutnam County, NY's typical home value rose 0.4% from $574,889 in July 2026 to $577,337 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.4% = (577336.8328547113 - 574888.7848167457) / 574888.7848167457 × 100
- 577336.8328547113 = Zillow ZHVI, 2026-08
- 574888.7848167457 = 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.