St. Lawrence County, NY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 44.49, -75.07.
Assembled 2026-10-06. Read the brief.
- 16th pct · 2,564th of 3,063 US counties · median $234,566
- 1st pct · 61st of 62 New York counties · median $256,722
- 81st pct · 562nd of 3,063 US counties · median +2.9%
- 68th pct · 20th of 62 New York counties · median +5.7%
- 38th pct · 863rd of 1,399 US counties · median $1,496
- 31st pct · 34th of 49 New York counties · median $1,531
- 79th pct · 671st of 3,221 US counties · median 8,232
- 55th pct · 28th of 62 New York counties · median 32,139
- 79th pct · 656th of 3,221 US counties · median $1,039
- 45th pct · 34th of 62 New York counties · median $1,250
- 8th pct · 2,812th of 3,063 US counties · median 4.3
- 3rd pct · 60th 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 $151,402 (Aug 2026), +6.2% over one year, +28.3% over five
- 16th pct · 2,564th of 3,063 US counties · median $234,566
- 1st pct · 61st of 62 New York counties · median $256,722
| Item | Value | Distance |
|---|---|---|
| St. Lawrence County, NY | $151,402 · +6.2% 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 $1,373/mo (Aug 2026), +5.9% over one year; price-to-rent 9.2
- 38th pct · 863rd of 1,399 US counties · median $1,496
- 31st pct · 34th of 49 New York counties · median $1,531
| Item | Value | Distance |
|---|---|---|
| St. Lawrence County, NY | $1,373/mo · +5.9% 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 $829 a month on $151,402 at 7.28%, against an average weekly wage worth $5,352 a month: 15.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $151,402 × 80% = $121,121, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $829/mo principal and interest
- wage share = payment / (avg weekly wage $1,235 × 52 / 12 = $5,352) = 15% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $151,402 / ($1,235 × 52) = 2.4
- price-to-rent = $151,402 / ($1,373 × 12) = 9.2
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 #
34,516 jobs at 2,038 employers (2026 Q1); -0.9% jobs and +1.8% average weekly wage over the year
- 79th pct · 671st of 3,221 US counties · median 8,232
- 55th pct · 28th of 62 New York counties · median 32,139
| Item | Value | Distance |
|---|---|---|
| St. Lawrence County, NY | 34,516 jobs · $1,235/wk · -0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 5,570 | $1,347 | 1.07 | +3.7% |
| Retail trade | 4,136 | $685 | 1.23 | -10.7% |
| Accommodation and food services | 2,510 | $433 | 0.81 | -3.5% |
| Manufacturing | 2,304 | $1,732 | 0.83 | +0.3% |
| Educational services | 2,171 | $964 | 2.92 | +1.4% |
| Construction | 1,286 | $1,616 | 0.71 | +4.4% |
| Professional and technical services | 770 | $1,283 | 0.32 | +2.8% |
| Other services | 753 | $704 | 0.73 | -5.2% |
| Administrative and waste services | 668 | $1,061 | 0.34 | +0.5% |
| Management of companies | 653 | $1,213 | 1.13 | -4.1% |
| Finance and insurance | 592 | $1,592 | 0.42 | -3.9% |
| Agriculture, forestry, fishing | 579 | $1,022 | 2.32 | -6.0% |
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 #
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 #
23 gauges · 0 flooding · 0 with quality panels · 2 stale
Sites found: 23, 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 |
|---|---|---|
| RAQUETTE RIVER AT SOUTH COLTON NY | flow 107.0 ft³/s · no flooding | 15 km |
| OSWEGATCHIE RIVER NEAR HEUVELTON NY | flow 369.0 ft³/s · no flooding | 27 km |
| WEST BRANCH ST. REGIS RIVER NEAR PARISHVILLE NY | flow 138.0 ft³/s · no flooding | 29 km |
| OSWEGATCHIE RIVER NEAR OSWEGATCHIE NY | flow 143.0 ft³/s | 30 km |
| Oswegatchie River near Ogdensburg | observation not current | 36 km |
| WEST BRANCH OSWEGATCHIE RIVER NEAR HARRISVILLE NY | flow 111.0 ft³/s | 39 km |
| RAQUETTE RIVER AT RAYMONDVILLE NY | flow 473.0 ft³/s | 40 km |
| GRASS RIVER AT CHASE MILLS NY | flow 323.0 ft³/s · no flooding | 40 km |
| Saint Lawrence River at Ogdensburg | no readings | 41 km |
| ST. REGIS RIVER AT BRASHER CENTER NY | flow 444.0 ft³/s · no flooding | 48 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 #
4 wells in 0 named aquifers:
Sites found: 4, 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-440939075191301 | depth 23.7 ft · 2026-10-05 | 41 km |
| USGS-445216074593001 | depth 14.4 ft · 2026-10-05 | 43 km |
| USGS-444904074455201 | depth 7.01 ft · 2026-10-05 | 44 km |
| USGS-441214075542101 | depth 3.41 ft · 2026-10-05 | 73 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 / 0.35
Banks & federal dollars #
$1.8 bn in deposits at 27 offices of 9 banks (SOD June 2026); HHI 2,661, highly concentrated. $753.2 m federal obligations in FY2026 (direct payments $671.5 m, grants $47.3 m), $21,822 per covered job
| Item | Value | Distance |
|---|---|---|
| Community Bank, National Association | $796.5 m · 44.7% share · 8 offices | |
| The North Country Savings Bank | $284.1 m · 16.0% share · 4 offices | |
| NBT Bank, National Association | $237.1 m · 13.3% share · 4 offices | |
| St. Lawrence, NY | $753.2 m FY2026 · $21,822/job | |
| MULTIPLE RECIPIENTS | $633.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Community Bank, National Association | $796,496,000 | 44.7% | 8 |
| The North Country Savings Bank | $284,148,000 | 16.0% | 4 |
| NBT Bank, National Association | $237,134,000 | 13.3% | 4 |
| KeyBank National Association | $211,888,000 | 11.9% | 4 |
| Massena Savings and Loan | $148,165,000 | 8.3% | 2 |
| Gouverneur Savings and Loan Association | $68,258,000 | 3.8% | 1 |
| The Citizens National Bank of Hammond | $22,000,000 | 1.2% | 2 |
| The Upstate National Bank | $12,198,000 | 0.7% | 1 |
| GS&L Municipal Bank | $71,000 | 0.0% | 1 |
Deposit concentration is 2,661 across 9 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 44.7² + 16.0² + 13.3² + … (6 more) = 2,661
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 | $564,384,291 |
| Department of Transportation | $68,747,792 |
| Department of Veterans Affairs | $68,151,099 |
| Department of Agriculture | $14,156,855 |
| Department of Defense | $11,500,311 |
| Department of Education | $7,800,917 |
| Department of Housing and Urban Development | $5,219,882 |
| Department of Health and Human Services | $4,996,990 |
| Railroad Retirement Board | $2,416,540 |
| Department of the Interior | $1,974,136 |
| Federal Communications Commission | $1,766,842 |
| National Science Foundation | $1,458,135 |
That is $21,822 per covered job, against 34,516 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $753.2 m / 34,516 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,822
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 #
St. Lawrence County, NY: 14 findings, 3 at a watch level and 11 noted
watchSt. Lawrence County, NY's covered employment is -0.9% 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 = -0.9 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchSt. Lawrence County, NY's typical asking rent is -1.2% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; 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: rent.momPct = -1.175418078874794 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level
watchSt. Lawrence County, NY's average weekly wage of $1,235 scores 80 on the 0-to-100 scale across US counties but 45 across New York counties, a gap of 34 points.
Period 2026 Q1.Show the arithmetic
- 34 = |80 across US counties - 45 across New York counties|
position among the entities that published this metric this period; not an official level
noteSt. Lawrence County, NY's average weekly wage was 1.8% 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
- +1.8 % = 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
noteSt. Lawrence County, NY's typical home value rose 1.2% from $149,567 in July 2026 to $151,402 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +1.2% = (151401.68638868514 - 149567.1848731763) / 149567.1848731763 × 100
- 151401.68638868514 = Zillow ZHVI, 2026-08
- 149567.1848731763 = Zillow ZHVI, 2026-07
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.