Tompkins County, NY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.45, -76.47.
Assembled 2026-10-06. Read the brief.
- 80th pct · 612th of 3,063 US counties · median $234,566
- 70th pct · 19th of 62 New York counties · median $256,722
- counties in the Ithaca metro: Rank context is unavailable: the manifest lists 1 counties in the Ithaca metro; fewer than 5 is too few to rank.
- 59th pct · 1,241st of 3,063 US counties · median +2.9%
- 9th pct · 56th of 62 New York counties · median +5.7%
- counties in the Ithaca metro: Rank context is unavailable: the manifest lists 1 counties in the Ithaca metro; fewer than 5 is too few to rank.
- 80th pct · 277th of 1,399 US counties · median $1,496
- 68th pct · 16th of 49 New York counties · median $1,531
- counties in the Ithaca metro: Rank context is unavailable: the manifest lists 1 counties in the Ithaca metro; fewer than 5 is too few to rank.
- 83rd pct · 526th of 3,221 US counties · median 8,232
- 62nd pct · 24th of 62 New York counties · median 32,139
- counties in the Ithaca metro: Rank context is unavailable: the manifest lists 1 counties in the Ithaca metro; fewer than 5 is too few to rank.
- 89th pct · 329th of 3,221 US counties · median $1,039
- 77th pct · 14th of 62 New York counties · median $1,250
- counties in the Ithaca metro: Rank context is unavailable: the manifest lists 1 counties in the Ithaca metro; fewer than 5 is too few to rank.
- 62nd pct · 1,158th of 3,063 US counties · median 4.3
- 67th pct · 21st of 62 New York counties · median 4.1
- counties in the Ithaca metro: Rank context is unavailable: the manifest lists 1 counties in the Ithaca 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 $355,495 (Aug 2026), +3.8% over one year, +33.9% over five
- 80th pct · 612th of 3,063 US counties · median $234,566
- 70th pct · 19th of 62 New York counties · median $256,722
- counties in the Ithaca metro: Rank context is unavailable: the manifest lists 1 counties in the Ithaca metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Tompkins County, NY | $355,495 · +3.8% 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 $1,932/mo (Aug 2026), +5.3% over one year; price-to-rent 15.3
- 80th pct · 277th of 1,399 US counties · median $1,496
- 68th pct · 16th of 49 New York counties · median $1,531
- counties in the Ithaca metro: Rank context is unavailable: the manifest lists 1 counties in the Ithaca metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Tompkins County, NY | $1,932/mo · +5.3% 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 $1,946 a month on $355,495 at 7.28%, against an average weekly wage worth $6,088 a month: 32.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $355,495 × 80% = $284,396, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,946/mo principal and interest
- wage share = payment / (avg weekly wage $1,405 × 52 / 12 = $6,088) = 32% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $355,495 / ($1,405 × 52) = 4.9
- price-to-rent = $355,495 / ($1,932 × 12) = 15.3
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 #
47,754 jobs at 2,717 employers (2026 Q1); 0.0% jobs and +0.8% average weekly wage over the year
- 83rd pct · 526th of 3,221 US counties · median 8,232
- 62nd pct · 24th of 62 New York counties · median 32,139
- counties in the Ithaca metro: Rank context is unavailable: the manifest lists 1 counties in the Ithaca metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Tompkins County, NY | 47,754 jobs · $1,405/wk · 0.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 4,212 | $737 | 0.91 | +0.1% |
| Accommodation and food services | 3,212 | $523 | 0.75 | +0.4% |
| Manufacturing | 2,248 | $1,751 | 0.59 | -2.4% |
| Professional and technical services | 2,181 | $2,053 | 0.66 | -9.5% |
| Other services | 1,433 | $813 | 1.00 | -8.6% |
| Administrative and waste services | 1,141 | $1,512 | 0.42 | +52.3% |
| Finance and insurance | 988 | $2,474 | 0.51 | -2.7% |
| Transportation and warehousing | 900 | $1,128 | 0.45 | +7.7% |
| Construction | 784 | $1,121 | 0.31 | -6.6% |
| Arts, entertainment and recreation | 550 | $458 | 0.70 | +2.2% |
| Real estate and rental | 472 | $1,046 | 0.64 | -2.1% |
| Management of companies | 443 | $1,833 | 0.55 | -3.9% |
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 #
7 USGS reservoir gauges, no capacity figures to weight
Sites found: 7, 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 |
|---|---|---|
| Cowanesque Lake at Lawrenceville, PA | 1,080 ft (USGS, no capacity on file) | 76 km |
| Tioga Lake at Tioga Dam at Tioga, PA | 1,082 ft (USGS, no capacity on file) | 82 km |
| Hammond Lake at Hammond Dam at Tioga, PA | 1,086 ft (USGS, no capacity on file) | 83 km |
| Stillwater Lake near Forest City, PA | 1,578 ft (USGS, no capacity on file) | 117 km |
| Aylesworth Creek Lake at Jermyn, PA | 1,108 ft (USGS, no capacity on file) | 130 km |
| Prompton Reservoir at Prompton, PA | 1,125 ft (USGS, no capacity on file) | 135 km |
| General Edgar Jadwin Reservoir near Honesdale, PA | 990.0 ft (USGS, no capacity on file) | 137 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 #
100 gauges · 0 flooding · 14 with quality panels averaging 100 % · 35 stale
Sites found: 100, 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-04234000 | flow 27.2 ft³/s · no flooding | 0 km |
| Cayuga Lake at Ithaca | no flooding | 3 km |
| CAYUGA INLET AT ITHACA NY | flow 18.9 ft³/s | 5 km |
| USGS-04233300 | flow 16.4 ft³/s | 6 km |
| CAYUGA INLET NEAR ITHACA NY | flow 489.0 ft³/s · STALE | 9 km |
| USGS-04233286 | flow 25.1 ft³/s · STALE | 10 km |
| USGS-0423401815 | flow 10.4 ft³/s | 12 km |
| USGS-422305076360601 | temp 9.70 °C · quality 100 % (1) · STALE | 13 km |
| USGS-422322076363101 | temp 11.1 °C · quality 100 % (1) · STALE | 13 km |
| USGS-0423368620 | flow 30.0 ft³/s · STALE | 14 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 #
38 wells in 0 named aquifers:
Sites found: 38, 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-422920076275301 | depth 5.31 ft · 2026-10-05 | 4 km |
| USGS-422323076190301 | depth 16.7 ft · 2026-10-05 | 15 km |
| USGS-423322076143801 | depth 84.4 ft · 2026-10-05 | 22 km |
| USGS-422710076462901 | depth 9.28 ft · 2026-10-05 | 25 km |
| USGS-422902076475801 | depth 37.4 ft · 2026-10-05 | 27 km |
| USGS-424158076251901 | depth 21.1 ft · 2026-10-05 | 28 km |
| USGS-421213076313301 | depth 20.5 ft · 2026-10-05 | 28 km |
| USGS-420815076155501 | depth 46.5 ft · 2026-10-05 | 39 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 + 0.2×0.00 / 0.55
Banks & federal dollars #
$2.9 bn in deposits at 22 offices of 11 banks (SOD June 2026); HHI 4,172, highly concentrated. $775.3 m federal obligations in FY2026 (direct payments $515.0 m, grants $243.6 m), $16,235 per covered job
| Item | Value | Distance |
|---|---|---|
| Tompkins Community Bank | $1.8 bn · 63.1% share · 9 offices | |
| Manufacturers and Traders Trust Company | $258.8 m · 8.9% share · 2 offices | |
| JPMorgan Chase Bank, National Association | $174.1 m · 6.0% share · 1 office | |
| Tompkins, NY | $775.3 m FY2026 · $16,235/job | |
| MULTIPLE RECIPIENTS | $466.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Tompkins Community Bank | $1,839,738,000 | 63.1% | 9 |
| Manufacturers and Traders Trust Company | $258,846,000 | 8.9% | 2 |
| JPMorgan Chase Bank, National Association | $174,143,000 | 6.0% | 1 |
| Chemung Canal Trust Company | $119,645,000 | 4.1% | 2 |
| The First National Bank of Groton | $116,608,000 | 4.0% | 1 |
| Community Bank, National Association | $107,580,000 | 3.7% | 2 |
| KeyBank National Association | $106,139,000 | 3.6% | 1 |
| The First National Bank of Dryden | $96,182,000 | 3.3% | 1 |
| Tioga State Bank National Association | $45,599,000 | 1.6% | 1 |
| Cayuga Lake National Bank | $35,217,000 | 1.2% | 1 |
Deposit concentration is 4,172 across 11 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 63.1² + 8.9² + 6.0² + … (8 more) = 4,172
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 | $441,496,108 |
| Department of Health and Human Services | $88,720,989 |
| National Science Foundation | $61,281,396 |
| Department of Agriculture | $43,906,112 |
| Department of Education | $34,411,604 |
| Department of Veterans Affairs | $26,564,627 |
| Department of Transportation | $18,897,089 |
| Department of Housing and Urban Development | $15,893,818 |
| Department of Defense | $14,051,478 |
| National Aeronautics and Space Administration | $13,438,144 |
| Department of Energy | $8,656,723 |
| Department of the Interior | $3,528,786 |
That is $16,235 per covered job, against 47,754 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $775.3 m / 47,754 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,235
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 | 2026-10-06 | +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 #
Tompkins County, NY: 6 findings, 1 at a watch level and 5 noted
watchTompkins County, NY's typical home value of +3.8% scores 60 on the 0-to-100 scale across US counties but 10 across New York counties, a gap of 50 points.
Period 2026-08.Show the arithmetic
- 50 = |60 across US counties - 10 across New York counties|
position among the entities that published this metric this period; not an official level
noteTompkins County, NY's typical asking rent rose 1.8% from $1,897 in July 2026 to $1,932 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +1.8% = (1931.7067424567424 - 1896.8288695178057) / 1896.8288695178057 × 100
- 1931.7067424567424 = Zillow ZORI, 2026-08
- 1896.8288695178057 = Zillow ZORI, 2026-07
noteTompkins County, NY's average weekly wage was 0.8% 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
- +0.8 % = 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
noteTompkins County, NY's typical home value of +3.8% ranks 56th of 62 New York counties, against a median of +5.7%.
Period 2026-08.Show the arithmetic
- 10 on the 0-to-100 scale across 62 New York counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
noteThe next Zillow ZHVI typical home value (monthly) covering Tompkins County, NY is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Read all 6 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.