Tioga County, NY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.18, -76.30.
Assembled 2026-10-06. Read the brief.
- 40th pct · 1,832nd of 3,063 US counties · median $234,566
- 19th pct · 50th of 62 New York counties · median $256,722
- counties in the Binghamton metro: Rank context is unavailable: the manifest lists 2 counties in the Binghamton metro; fewer than 5 is too few to rank.
- 85th pct · 457th of 3,063 US counties · median +2.9%
- 83rd pct · 11th of 62 New York counties · median +5.7%
- counties in the Binghamton metro: Rank context is unavailable: the manifest lists 2 counties in the Binghamton metro; fewer than 5 is too few to rank.
- 24th pct · 1,051st of 1,399 US counties · median $1,496
- 14th pct · 42nd of 49 New York counties · median $1,531
- counties in the Binghamton metro: Rank context is unavailable: the manifest lists 2 counties in the Binghamton metro; fewer than 5 is too few to rank.
- 61st pct · 1,248th of 3,221 US counties · median 8,232
- 13th pct · 54th of 62 New York counties · median 32,139
- counties in the Binghamton metro: Rank context is unavailable: the manifest lists 2 counties in the Binghamton metro; fewer than 5 is too few to rank.
- 89th pct · 346th of 3,221 US counties · median $1,039
- 73rd pct · 17th of 62 New York counties · median $1,250
- counties in the Binghamton metro: Rank context is unavailable: the manifest lists 2 counties in the Binghamton metro; fewer than 5 is too few to rank.
- 17th pct · 2,531st of 3,063 US counties · median 4.3
- 9th pct · 56th of 62 New York counties · median 4.1
- counties in the Binghamton metro: Rank context is unavailable: the manifest lists 2 counties in the Binghamton metro; fewer than 5 is too few to rank.
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 $209,340 (Aug 2026), +6.8% over one year, +28.8% over five
- 40th pct · 1,832nd of 3,063 US counties · median $234,566
- 19th pct · 50th of 62 New York counties · median $256,722
- counties in the Binghamton metro: Rank context is unavailable: the manifest lists 2 counties in the Binghamton metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Tioga County, NY | $209,340 · +6.8% 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 $1,232/mo (Aug 2026), n/a over one year; price-to-rent 14.2
- 24th pct · 1,051st of 1,399 US counties · median $1,496
- 14th pct · 42nd of 49 New York counties · median $1,531
- counties in the Binghamton metro: Rank context is unavailable: the manifest lists 2 counties in the Binghamton metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Tioga County, NY | $1,232/mo · n/a 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 $1,146 a month on $209,340 at 7.28%, against an average weekly wage worth $6,036 a month: 19.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $209,340 × 80% = $167,472, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,146/mo principal and interest
- wage share = payment / (avg weekly wage $1,393 × 52 / 12 = $6,036) = 19% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $209,340 / ($1,393 × 52) = 2.9
- price-to-rent = $209,340 / ($1,232 × 12) = 14.2
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 #
12,947 jobs at 897 employers (2026 Q1); +0.1% jobs and +0.1% average weekly wage over the year
- 61st pct · 1,248th of 3,221 US counties · median 8,232
- 13th pct · 54th of 62 New York counties · median 32,139
- counties in the Binghamton metro: Rank context is unavailable: the manifest lists 2 counties in the Binghamton metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Tioga County, NY | 12,947 jobs · $1,393/wk · +0.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 3,442 | $2,523 | 3.30 | -2.4% |
| Accommodation and food services | 1,328 | $627 | 1.14 | +0.8% |
| Health care and social assistance | 1,185 | $917 | 0.61 | +23.1% |
| Retail trade | 1,081 | $655 | 0.86 | -0.2% |
| Wholesale trade | 511 | $1,471 | 1.03 | -7.1% |
| Construction | 387 | $1,163 | 0.57 | -1.8% |
| Other services | 375 | $848 | 0.97 | +1.9% |
| Professional and technical services | 338 | $1,579 | 0.38 | -6.6% |
| Finance and insurance | 163 | $1,425 | 0.31 | -4.1% |
| Information | 100 | $1,257 | 0.42 | -7.4% |
| Unclassified | 86 | $617 | 3.12 | +68.6% |
| Arts, entertainment and recreation | 78 | $382 | 0.37 | +4.0% |
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 #
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 #
$577.1 m in deposits at 9 offices of 5 banks (SOD June 2026); HHI 3,131, highly concentrated. $983.9 m federal obligations in FY2026 (contracts $614.5 m, direct payments $309.2 m), $75,998 per covered job
| Item | Value | Distance |
|---|---|---|
| Tioga State Bank National Association | $270.1 m · 46.8% share · 4 offices | |
| Chemung Canal Trust Company | $152.8 m · 26.5% share · 2 offices | |
| NBT Bank, National Association | $54.7 m · 9.5% share · 1 office | |
| Tioga, NY | $983.9 m FY2026 · $75,998/job | |
| LOCKHEED MARTIN CORPORATION | $616.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Tioga State Bank National Association | $270,109,000 | 46.8% | 4 |
| Chemung Canal Trust Company | $152,778,000 | 26.5% | 2 |
| NBT Bank, National Association | $54,708,000 | 9.5% | 1 |
| Manufacturers and Traders Trust Company | $53,473,000 | 9.3% | 1 |
| Community Bank, National Association | $45,997,000 | 8.0% | 1 |
Deposit concentration is 3,131 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 46.8² + 26.5² + 9.5² + … (2 more) = 3,131
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 |
|---|---|
| Department of Defense | $614,519,945 |
| Social Security Administration | $286,371,170 |
| Department of Transportation | $59,059,712 |
| Department of Veterans Affairs | $21,383,855 |
| Railroad Retirement Board | $1,010,975 |
| Department of Health and Human Services | $874,400 |
| Department of Agriculture | $620,373 |
| Corporation for National and Community Service | $87,250 |
| National Aeronautics and Space Administration | $18,360 |
| Federal Communications Commission | $4,793 |
| Small Business Administration | $0 |
| Department of Homeland Security | -$1,200 |
That is $75,998 per covered job, against 12,947 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $983.9 m / 12,947 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $75,998
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 | 3.00 | 2026-10-06 | -50.0% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| 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 #
Tioga County, NY: 8 findings, 1 at a watch level and 7 noted
watchTioga County, NY's covered employment of 12,947 scores 61 on the 0-to-100 scale across US counties but 13 across New York counties, a gap of 48 points.
Period 2026 Q1.Show the arithmetic
- 48 = |61 across US counties - 13 across New York counties|
position among the entities that published this metric this period; not an official level
noteTioga County, NY's typical asking rent rose 2.6% from $1,201 in July 2026 to $1,232 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +2.6% = (1231.6666666666667 - 1200.945131759295) / 1200.945131759295 × 100
- 1231.6666666666667 = Zillow ZORI, 2026-08
- 1200.945131759295 = Zillow ZORI, 2026-07
noteTioga County, NY's typical home value rose 1.0% from $207,177 in July 2026 to $209,340 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +1.0% = (209340.2309952505 - 207176.62193350928) / 207176.62193350928 × 100
- 209340.2309952505 = Zillow ZHVI, 2026-08
- 207176.62193350928 = Zillow ZHVI, 2026-07
noteTioga County, NY's average weekly wage was 0.1% 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
- +0.1 % = 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
noteTioga County, NY's covered employment was 0.1% 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
- +0.1 % = 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
Read all 8 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.