Ulster County, NY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.95, -74.27.
Assembled 2026-10-06. Read the brief.
- 90th pct · 288th of 3,063 US counties · median $234,566
- 77th pct · 15th of 62 New York counties · median $256,722
- counties in the Kingston metro: Rank context is unavailable: the manifest lists 1 counties in the Kingston metro; fewer than 5 is too few to rank.
- 55th pct · 1,358th of 3,063 US counties · median +2.9%
- 4th pct · 59th of 62 New York counties · median +5.7%
- counties in the Kingston metro: Rank context is unavailable: the manifest lists 1 counties in the Kingston metro; fewer than 5 is too few to rank.
- 83rd pct · 227th of 1,399 US counties · median $1,496
- 72nd pct · 14th of 49 New York counties · median $1,531
- counties in the Kingston metro: Rank context is unavailable: the manifest lists 1 counties in the Kingston metro; fewer than 5 is too few to rank.
- 86th pct · 440th of 3,221 US counties · median 8,232
- 68th pct · 20th of 62 New York counties · median 32,139
- counties in the Kingston metro: Rank context is unavailable: the manifest lists 1 counties in the Kingston metro; fewer than 5 is too few to rank.
- 79th pct · 656th of 3,221 US counties · median $1,039
- 45th pct · 34th of 62 New York counties · median $1,250
- counties in the Kingston metro: Rank context is unavailable: the manifest lists 1 counties in the Kingston metro; fewer than 5 is too few to rank.
- 88th pct · 359th of 3,063 US counties · median 4.3
- 81st pct · 12th of 62 New York counties · median 4.1
- counties in the Kingston metro: Rank context is unavailable: the manifest lists 1 counties in the Kingston 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 $450,677 (Aug 2026), +3.4% over one year, +34.2% over five
- 90th pct · 288th of 3,063 US counties · median $234,566
- 77th pct · 15th of 62 New York counties · median $256,722
- counties in the Kingston metro: Rank context is unavailable: the manifest lists 1 counties in the Kingston metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Ulster County, NY | $450,677 · +3.4% 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 $2,015/mo (Aug 2026), +4.5% over one year; price-to-rent 18.6
- 83rd pct · 227th of 1,399 US counties · median $1,496
- 72nd pct · 14th of 49 New York counties · median $1,531
- counties in the Kingston metro: Rank context is unavailable: the manifest lists 1 counties in the Kingston metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Ulster County, NY | $2,015/mo · +4.5% 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 $2,467 a month on $450,677 at 7.28%, against an average weekly wage worth $5,352 a month: 46.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $450,677 × 80% = $360,541, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,467/mo principal and interest
- wage share = payment / (avg weekly wage $1,235 × 52 / 12 = $5,352) = 46% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $450,677 / ($1,235 × 52) = 7.0
- price-to-rent = $450,677 / ($2,015 × 12) = 18.6
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 #
61,232 jobs at 5,930 employers (2026 Q1); +3.5% jobs and +2.1% average weekly wage over the year
- 86th pct · 440th of 3,221 US counties · median 8,232
- 68th pct · 20th of 62 New York counties · median 32,139
- counties in the Kingston metro: Rank context is unavailable: the manifest lists 1 counties in the Kingston metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Ulster County, NY | 61,232 jobs · $1,235/wk · +3.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 9,397 | $1,157 | 1.02 | +13.2% |
| Retail trade | 8,358 | $780 | 1.40 | +5.8% |
| Accommodation and food services | 7,815 | $646 | 1.42 | +7.3% |
| Manufacturing | 3,456 | $1,238 | 0.70 | +2.6% |
| Construction | 2,599 | $1,384 | 0.81 | -8.2% |
| Other services | 2,126 | $814 | 1.16 | -5.0% |
| Administrative and waste services | 2,033 | $1,162 | 0.58 | +3.9% |
| Professional and technical services | 1,893 | $1,704 | 0.45 | +5.8% |
| Transportation and warehousing | 1,866 | $1,031 | 0.72 | +5.5% |
| Finance and insurance | 1,198 | $1,911 | 0.48 | -7.5% |
| Educational services | 869 | $883 | 0.66 | -0.8% |
| Information | 845 | $1,595 | 0.75 | -5.2% |
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 #
$5.0 bn in deposits at 42 offices of 16 banks (SOD June 2026); HHI 1,084, moderately concentrated. $1.2 bn federal obligations in FY2026 (direct payments $1.1 bn, grants $19.8 m), $18,957 per covered job
| Item | Value | Distance |
|---|---|---|
| Ulster Savings Bank | $951.8 m · 19.1% share · 9 offices | |
| Wells Fargo Bank, National Association | $833.3 m · 16.7% share · 1 office | |
| Manufacturers and Traders Trust Company | $595.2 m · 12.0% share · 5 offices | |
| Ulster, NY | $1.2 bn FY2026 · $18,957/job | |
| MULTIPLE RECIPIENTS | $1.1 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Ulster Savings Bank | $951,833,000 | 19.1% | 9 |
| Wells Fargo Bank, National Association | $833,253,000 | 16.7% | 1 |
| Manufacturers and Traders Trust Company | $595,198,000 | 12.0% | 5 |
| Rondout Savings Bank | $426,126,000 | 8.6% | 4 |
| Bank of America, National Association | $389,624,000 | 7.8% | 3 |
| KeyBank National Association | $335,119,000 | 6.7% | 4 |
| JPMorgan Chase Bank, National Association | $304,492,000 | 6.1% | 2 |
| Sawyer Savings Bank | $234,184,000 | 4.7% | 4 |
| The Bank of Greene County | $226,698,000 | 4.6% | 2 |
| Citizens Bank, National Association | $192,769,000 | 3.9% | 1 |
Deposit concentration is 1,084 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 = 19.1² + 16.7² + 12.0² + … (13 more) = 1,084
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 | $1,052,612,615 |
| Department of Veterans Affairs | $59,295,901 |
| Department of Transportation | $14,558,395 |
| Department of Housing and Urban Development | $12,311,480 |
| Railroad Retirement Board | $6,945,166 |
| Department of Education | $4,241,234 |
| Department of Defense | $3,707,362 |
| Department of Agriculture | $3,547,130 |
| Department of Health and Human Services | $3,089,950 |
| Federal Communications Commission | $1,799,367 |
| National Archives and Records Administration | $934,192 |
| Department of Homeland Security | $747,345 |
That is $18,957 per covered job, against 61,232 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.2 bn / 61,232 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,957
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 #
Ulster County, NY: 12 findings, 2 at a watch level and 10 noted
watchUlster County, NY's typical home value of +3.4% scores 56 on the 0-to-100 scale across US counties but 5 across New York counties, a gap of 51 points.
Period 2026-08.Show the arithmetic
- 51 = |56 across US counties - 5 across New York counties|
position among the entities that published this metric this period; not an official level
watchUlster 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
noteUlster County, NY's covered employment was 3.5% 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
- +3.5 % = 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
noteUlster County, NY's average weekly wage was 2.1% 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
- +2.1 % = 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
noteUlster County, NY's typical asking rent fell 0.5% from $2,025 in July 2026 to $2,015 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -0.5% = (2015.1998412698413 - 2024.501595219129) / 2024.501595219129 × 100
- 2015.1998412698413 = Zillow ZORI, 2026-08
- 2024.501595219129 = Zillow ZORI, 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.