Richmond County, NY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.56, -74.14.
Assembled 2026-10-06. Read the brief.
- 97th pct · 63rd of 3,063 US counties · median $234,566
- 88th pct · 8th of 62 New York counties · median $256,722
- 57th pct · 10th of 22 counties in the New York-Newark-Jersey City metro · median $688,267
- 75th pct · 742nd of 3,063 US counties · median +2.9%
- 42nd pct · 36th of 62 New York counties · median +5.7%
- 71st pct · 7th of 22 counties in the New York-Newark-Jersey City metro · median +4.7%
- 95th pct · 65th of 1,399 US counties · median $1,496
- 81st pct · 10th of 49 New York counties · median $1,531
- 28th pct · 16th of 22 counties in the New York-Newark-Jersey City metro · median $2,832
- 92nd pct · 231st of 3,221 US counties · median 8,232
- 80th pct · 13th of 62 New York counties · median 32,139
- 19th pct · 18th of 22 counties in the New York-Newark-Jersey City metro · median 283,785
- 83rd pct · 528th of 3,221 US counties · median $1,039
- 57th pct · 27th of 62 New York counties · median $1,250
- 14th pct · 19th of 22 counties in the New York-Newark-Jersey City metro · median $1,632
- 98th pct · 58th of 3,063 US counties · median 4.3
- 96th pct · 3rd of 62 New York counties · median 4.1
- 90th pct · 3rd 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 $728,958 (Aug 2026), +5.4% over one year, +22.1% over five
- 97th pct · 63rd of 3,063 US counties · median $234,566
- 88th pct · 8th of 62 New York counties · median $256,722
- 57th pct · 10th of 22 counties in the New York-Newark-Jersey City metro · median $688,267
| Item | Value | Distance |
|---|---|---|
| Richmond County, NY | $728,958 · +5.4% 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 $2,587/mo (Aug 2026), +1.5% over one year; price-to-rent 23.5
- 95th pct · 65th of 1,399 US counties · median $1,496
- 81st pct · 10th of 49 New York counties · median $1,531
- 28th pct · 16th of 22 counties in the New York-Newark-Jersey City metro · median $2,832
| Item | Value | Distance |
|---|---|---|
| Richmond County, NY | $2,587/mo · +1.5% 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 $3,990 a month on $728,958 at 7.28%, against an average weekly wage worth $5,564 a month: 71.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $728,958 × 80% = $583,166, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $3,990/mo principal and interest
- wage share = payment / (avg weekly wage $1,284 × 52 / 12 = $5,564) = 72% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $728,958 / ($1,284 × 52) = 10.9
- price-to-rent = $728,958 / ($2,587 × 12) = 23.5
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 #
138,259 jobs at 10,660 employers (2026 Q1); +6.0% jobs and -0.8% average weekly wage over the year
- 92nd pct · 231st of 3,221 US counties · median 8,232
- 80th pct · 13th of 62 New York counties · median 32,139
- 19th pct · 18th of 22 counties in the New York-Newark-Jersey City metro · median 283,785
| Item | Value | Distance |
|---|---|---|
| Richmond County, NY | 138,259 jobs · $1,284/wk · +6.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 41,473 | $1,155 | 1.99 | +26.3% |
| Retail trade | 13,775 | $753 | 1.02 | -1.9% |
| Transportation and warehousing | 12,835 | $1,265 | 2.20 | +0.5% |
| Construction | 9,041 | $1,618 | 1.25 | -6.5% |
| Accommodation and food services | 8,108 | $524 | 0.65 | -6.4% |
| Administrative and waste services | 5,510 | $1,038 | 0.70 | +2.9% |
| Other services | 4,795 | $770 | 1.16 | -2.5% |
| Educational services | 4,315 | $911 | 1.45 | -0.4% |
| Finance and insurance | 2,133 | $2,342 | 0.38 | -14.3% |
| Arts, entertainment and recreation | 1,418 | $594 | 0.62 | +5.4% |
| Wholesale trade | 1,302 | $1,618 | 0.25 | -7.9% |
| Utilities | 939 | $3,254 | 1.72 | +2.1% |
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 #
$19.5 bn in deposits at 89 offices of 16 banks (SOD June 2026); HHI 1,267, moderately concentrated. $2.6 bn federal obligations in FY2026 (direct payments $2.4 bn, grants $151.2 m), $18,896 per covered job
| Item | Value | Distance |
|---|---|---|
| JPMorgan Chase Bank, National Association | $4.1 bn · 21.2% share · 12 offices | |
| Flagstar Bank, National Association | $3.2 bn · 16.3% share · 14 offices | |
| Santander Bank, N.A. | $2.8 bn · 14.5% share · 13 offices | |
| Richmond, NY | $2.6 bn FY2026 · $18,896/job | |
| MULTIPLE RECIPIENTS | $2.4 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | $4,122,580,000 | 21.2% | 12 |
| Flagstar Bank, National Association | $3,169,970,000 | 16.3% | 14 |
| Santander Bank, N.A. | $2,814,462,000 | 14.5% | 13 |
| TD Bank, National Association | $2,102,594,000 | 10.8% | 7 |
| Citibank, National Association | $1,900,000,000 | 9.8% | 6 |
| Northfield Bank | $1,696,110,000 | 8.7% | 12 |
| Dime Commercial Bank | $1,005,074,000 | 5.2% | 1 |
| Bank of America, National Association | $563,820,000 | 2.9% | 4 |
| Valley National Bank | $551,155,000 | 2.8% | 1 |
| Citizens Bank, National Association | $399,644,000 | 2.1% | 5 |
Deposit concentration is 1,267 across 16 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 16 banks with deposits in the county = 21.2² + 16.3² + 14.5² + … (13 more) = 1,267
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 | $2,238,021,593 |
| Department of Health and Human Services | $113,726,813 |
| Department of Veterans Affairs | $104,103,885 |
| Department of Transportation | $54,096,447 |
| Department of Housing and Urban Development | $46,012,088 |
| Department of Defense | $18,903,682 |
| Department of Homeland Security | $14,739,294 |
| Department of the Interior | $7,834,113 |
| Department of Education | $6,612,979 |
| Department of Energy | $5,592,182 |
| Railroad Retirement Board | $4,063,563 |
| Federal Communications Commission | $862,171 |
That is $18,896 per covered job, against 138,259 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $2.6 bn / 138,259 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,896
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 #
Richmond County, NY: 18 findings, 4 at a watch level and 14 noted
watchRichmond County, NY's years of wages of 10.9 ranks 58th 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 = 98.13847158719791 >= 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
watchRichmond County, NY's years of wages is 10.9, a watch level here: typical home value worth 10 or more years of one average covered wage (typical home value / (average weekly wage × 52), one average covered job rather than a household; 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: yearsOfWages = 10.91776961751759 >= 10
- typical home value / (average weekly wage × 52); one average covered job, not a household
typical home value / (average weekly wage × 52), one average covered job rather than a household; convention chosen for this dashboard, not an official level
watchRichmond County, NY's average weekly wage is -0.8% 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 = -0.8 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchRichmond County, NY's typical home value of +5.4% scores 76 on the 0-to-100 scale across US counties but 43 across New York counties, a gap of 33 points.
Period 2026-08.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
noteRichmond County, NY's covered employment was 6.0% 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
- +6 % = 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 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.