Seneca County, NY

Home values #

Typical home $227,508 (Aug 2026), +5.9% over one year, +33.3% over five

• 47th pct · 1,618th of 3,063 US counties · median $234,566
• 29th pct · 44th of 62 New York counties · median $256,722

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 $1,200/mo (Aug 2026), n/a over one year; price-to-rent 15.8

• 22nd pct · 1,084th of 1,399 US counties · median $1,496
• 10th pct · 44th of 49 New York counties · median $1,531

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 $1,245 a month on $227,508 at 7.28%, against an average weekly wage worth $5,677 a month: 21.9% of one job’s pay.

• payment = P·r / (1 − (1+r)^−n), P = $227,508 × 80% = $182,006, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,245/mo principal and interest
• wage share = payment / (avg weekly wage $1,310 × 52 / 12 = $5,677) = 22% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
• years of wages = $227,508 / ($1,310 × 52) = 3.3
• price-to-rent = $227,508 / ($1,200 × 12) = 15.8

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 #

9,794 jobs at 759 employers (2026 Q1); -3.0% jobs and +3.3% average weekly wage over the year

• 54th pct · 1,458th of 3,221 US counties · median 8,232
• 8th pct · 57th of 62 New York counties · median 32,139

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.

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 #

86 gauges · 0 flooding · 16 with quality panels averaging 98 % · 48 stale

Sites found: 86, 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 #

36 wells in 0 named aquifers:

Sites found: 36, 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 (0.01)

Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.02 / 0.55

Banks & federal dollars #

$637.4 m in deposits at 8 offices of 6 banks (SOD June 2026); HHI 2,806, highly concentrated. $20.9 m federal obligations in FY2026 (contracts $17.2 m, grants $3.7 m), $2,131 per covered job

Deposit concentration is 2,806 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.

HHI = Σ (share %)² over 6 banks with deposits in the county = 35.9² + 28.6² + 25.8² + … (3 more) = 2,806

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.

That is $2,131 per covered job, against 9,794 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $20.9 m / 9,794 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $2,131

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.

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 #

Seneca County, NY: 12 findings, 1 at an alert level, 2 at a watch level and 9 noted

1. alertSeneca County, NY's covered employment is -3.0% 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 <= -3

   BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level

2. watchSeneca County, NY's covered employment is -3.0% 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 < 0

   BLS QCEW over-the-year percent change, as published; not an official level

3. watchSeneca County, NY's covered employment of 9,794 scores 55 on the 0-to-100 scale across US counties but 8 across New York counties, a gap of 47 points.

   Period 2026 Q1.
   Show the arithmetic

   • 47 = |55 across US counties - 8 across New York counties|

   position among the entities that published this metric this period; not an official level

4. noteSeneca County, NY's average weekly wage was 3.3% 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

   • +3.3 % = 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

5. noteSeneca County, NY's covered employment was 3.0% 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

   • -3 % = 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.