Warren County, NY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.56, -73.84.
Assembled 2026-10-06. Read the brief.
- 83rd pct · 505th of 3,063 US counties · median $234,566
- 75th pct · 16th of 62 New York counties · median $256,722
- counties in the Glens Falls metro: Rank context is unavailable: the manifest lists 2 counties in the Glens Falls metro; fewer than 5 is too few to rank.
- 82nd pct · 551st of 3,063 US counties · median +2.9%
- 72nd pct · 18th of 62 New York counties · median +5.7%
- counties in the Glens Falls metro: Rank context is unavailable: the manifest lists 2 counties in the Glens Falls metro; fewer than 5 is too few to rank.
- US counties: not published this period
- New York counties: not published this period
- counties in the Glens Falls metro: Rank context is unavailable: the manifest lists 2 counties in the Glens Falls metro; fewer than 5 is too few to rank.
- 79th pct · 666th of 3,221 US counties · median 8,232
- 57th pct · 27th of 62 New York counties · median 32,139
- counties in the Glens Falls metro: Rank context is unavailable: the manifest lists 2 counties in the Glens Falls metro; fewer than 5 is too few to rank.
- 83rd pct · 544th of 3,221 US counties · median $1,039
- 54th pct · 28th of 62 New York counties · median $1,250
- counties in the Glens Falls metro: Rank context is unavailable: the manifest lists 2 counties in the Glens Falls metro; fewer than 5 is too few to rank.
- 75th pct · 752nd of 3,063 US counties · median 4.3
- 73rd pct · 17th of 62 New York counties · median 4.1
- counties in the Glens Falls metro: Rank context is unavailable: the manifest lists 2 counties in the Glens Falls 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 $379,896 (Aug 2026), +6.3% over one year, +34.3% over five
- 83rd pct · 505th of 3,063 US counties · median $234,566
- 75th pct · 16th of 62 New York counties · median $256,722
- counties in the Glens Falls metro: Rank context is unavailable: the manifest lists 2 counties in the Glens Falls metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Warren County, NY | $379,896 · +6.3% 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 #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- New York counties: not published this period
- counties in the Glens Falls metro: Rank context is unavailable: the manifest lists 2 counties in the Glens Falls metro; fewer than 5 is too few to rank.
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 $2,079 a month on $379,896 at 7.28%, against an average weekly wage worth $5,538 a month: 37.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $379,896 × 80% = $303,917, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,079/mo principal and interest
- wage share = payment / (avg weekly wage $1,278 × 52 / 12 = $5,538) = 38% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $379,896 / ($1,278 × 52) = 5.7
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 #
34,755 jobs at 2,390 employers (2026 Q1); -0.4% jobs and +5.7% average weekly wage over the year
- 79th pct · 666th of 3,221 US counties · median 8,232
- 57th pct · 27th of 62 New York counties · median 32,139
- counties in the Glens Falls metro: Rank context is unavailable: the manifest lists 2 counties in the Glens Falls metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Warren County, NY | 34,755 jobs · $1,278/wk · -0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 6,010 | $1,260 | 1.15 | +3.5% |
| Retail trade | 5,020 | $855 | 1.48 | -3.1% |
| Accommodation and food services | 3,950 | $646 | 1.27 | -3.5% |
| Manufacturing | 2,892 | $1,631 | 1.03 | -6.1% |
| Administrative and waste services | 1,799 | $947 | 0.91 | -0.3% |
| Construction | 1,375 | $1,327 | 0.75 | +6.1% |
| Other services | 1,203 | $718 | 1.16 | +2.1% |
| Wholesale trade | 1,190 | $2,676 | 0.89 | +11.2% |
| Finance and insurance | 1,044 | $2,270 | 0.74 | -2.3% |
| Arts, entertainment and recreation | 955 | $573 | 1.67 | -5.2% |
| Professional and technical services | 943 | $1,631 | 0.39 | -10.8% |
| Management of companies | 722 | $1,309 | 1.24 | -2.6% |
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 #
39 gauges · 0 flooding · 4 with quality panels averaging 100 % · 13 stale
Sites found: 39, 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 |
|---|---|---|
| SCHROON RIVER AT RIVERBANK NY | stage 1.24 ft | 10 km |
| HUDSON RIVER AT NORTH CREEK NY | flow 257.0 ft³/s | 20 km |
| USGS-04278300 | flow 6.90 ft³/s · STALE | 22 km |
| HUDSON RIVER AT HADLEY NY | flow 323.0 ft³/s | 26 km |
| USGS-04279125 | flow 19.0 ft³/s · STALE | 27 km |
| SACANDAGA RIVER AT STEWARTS BRIDGE NR HADLEY NY | flow 2,070 ft³/s | 27 km |
| GLENS FALLS FEEDER AT DUNHAM BASIN NY | flow 35.5 ft³/s | 37 km |
| HUDSON RIVER AT FORT EDWARD NY | flow 1,900 ft³/s | 37 km |
| INDIAN RIVER NEAR INDIAN LAKE NY | flow 178.0 ft³/s | 41 km |
| USGS-04279040 | flow 3.60 ft³/s · STALE | 41 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 #
14 wells in 0 named aquifers:
Sites found: 14, 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-433001073474701 | depth 19.6 ft · 2026-10-05 | 7 km |
| USGS-433258073440201 | depth 42.7 ft · 2026-10-05 | 8 km |
| USGS-432832074122201 | depth 13.4 ft · 2026-10-05 | 31 km |
| USGS-431357073425301 | level 337.2 ft · 2022-10-04 | 37 km |
| USGS-435253073440701 | depth 25.8 ft · 2020-10-24 | 37 km |
| USGS-431509074093201 | depth 29.3 ft · 2026-10-05 | 42 km |
| USGS-430327073475401 | depth 40.5 ft · 2026-10-05 | 55 km |
| USGS-431030073192101 | depth 7.47 ft · 2026-10-05 | 59 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 #
$3.2 bn in deposits at 26 offices of 10 banks (SOD June 2026); HHI 3,971, highly concentrated. $557.4 m federal obligations in FY2026 (direct payments $523.3 m, grants $31.6 m), $16,038 per covered job
| Item | Value | Distance |
|---|---|---|
| Arrow Bank National Association | $1.9 bn · 59.9% share · 9 offices | |
| TD Bank, National Association | $565.8 m · 17.6% share · 3 offices | |
| Citizens Bank, National Association | $164.7 m · 5.1% share · 1 office | |
| Warren, NY | $557.4 m FY2026 · $16,038/job | |
| MULTIPLE RECIPIENTS | $503.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Arrow Bank National Association | $1,920,895,000 | 59.9% | 9 |
| TD Bank, National Association | $565,795,000 | 17.6% | 3 |
| Citizens Bank, National Association | $164,694,000 | 5.1% | 1 |
| TrustCo Bank | $119,839,000 | 3.7% | 4 |
| NBT Bank, National Association | $115,729,000 | 3.6% | 2 |
| The Adirondack Trust Company | $95,401,000 | 3.0% | 3 |
| KeyBank National Association | $84,085,000 | 2.6% | 1 |
| Beacon Bank and Trust | $74,687,000 | 2.3% | 1 |
| Community Bank, National Association | $50,491,000 | 1.6% | 1 |
| Pioneer Bank, National Association | $17,300,000 | 0.5% | 1 |
Deposit concentration is 3,971 across 10 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 59.9² + 17.6² + 5.1² + … (7 more) = 3,971
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 | $460,517,800 |
| Department of Veterans Affairs | $41,077,444 |
| Department of Transportation | $18,419,380 |
| Department of Housing and Urban Development | $13,611,799 |
| Department of Health and Human Services | $12,807,675 |
| Department of Education | $7,139,091 |
| Railroad Retirement Board | $2,067,931 |
| Department of Agriculture | $904,006 |
| Federal Communications Commission | $445,193 |
| Environmental Protection Agency | $381,000 |
| Department of Defense | $40,848 |
| Small Business Administration | $0 |
That is $16,038 per covered job, against 34,755 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $557.4 m / 34,755 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,038
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 #
Warren County, NY: 4 findings, 1 at a watch level and 3 noted
watchWarren County, NY's covered employment is -0.4% 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 = -0.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteWarren County, NY's average weekly wage was 5.7% 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
- +5.7 % = 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
noteWarren County, NY's covered employment was 0.4% 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
- -0.4 % = 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
noteThe next Zillow ZHVI typical home value (monthly) covering Warren 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
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.