Wyoming County, NY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.70, -78.23.
Assembled 2026-10-06. Read the brief.
- 43rd pct · 1,746th of 3,063 US counties · median $234,566
- 24th pct · 47th of 62 New York counties · median $256,722
- 73rd pct · 806th of 3,063 US counties · median +2.9%
- 37th pct · 39th of 62 New York counties · median +5.7%
- US counties: not published this period
- New York counties: not published this period
- 58th pct · 1,326th of 3,221 US counties · median 8,232
- 11th pct · 55th of 62 New York counties · median 32,139
- 86th pct · 433rd of 3,221 US counties · median $1,039
- 62nd pct · 24th of 62 New York counties · median $1,250
- 23rd pct · 2,346th of 3,063 US counties · median 4.3
- 16th pct · 52nd of 62 New York counties · median 4.1
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 $216,570 (Aug 2026), +5.2% over one year, +24.7% over five
- 43rd pct · 1,746th of 3,063 US counties · median $234,566
- 24th pct · 47th of 62 New York counties · median $256,722
| Item | Value | Distance |
|---|---|---|
| Wyoming County, NY | $216,570 · +5.2% 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
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 $1,185 a month on $216,570 at 7.28%, against an average weekly wage worth $5,746 a month: 20.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $216,570 × 80% = $173,256, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,185/mo principal and interest
- wage share = payment / (avg weekly wage $1,326 × 52 / 12 = $5,746) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $216,570 / ($1,326 × 52) = 3.1
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 #
11,981 jobs at 927 employers (2026 Q1); -0.4% jobs and +4.9% average weekly wage over the year
- 58th pct · 1,326th of 3,221 US counties · median 8,232
- 11th pct · 55th of 62 New York counties · median 32,139
| Item | Value | Distance |
|---|---|---|
| Wyoming County, NY | 11,981 jobs · $1,326/wk · -0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,755 | $1,431 | 1.82 | +10.2% |
| Retail trade | 1,308 | $689 | 1.12 | -4.4% |
| Accommodation and food services | 689 | $1,098 | 0.64 | -6.6% |
| Other services | 448 | $580 | 1.25 | +9.0% |
| Professional and technical services | 300 | $1,127 | 0.36 | +0.0% |
| Transportation and warehousing | 285 | $1,302 | 0.56 | -5.6% |
| Construction | 284 | $1,136 | 0.45 | -9.3% |
| Wholesale trade | 282 | $1,838 | 0.61 | +1.1% |
| Arts, entertainment and recreation | 137 | $414 | 0.69 | -13.3% |
| Finance and insurance | 135 | $1,137 | 0.28 | -17.7% |
| Unclassified | 128 | $619 | 5.02 | +146.2% |
| Utilities | 90 | $3,855 | 1.90 | -20.4% |
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 #
4 USGS reservoir gauges, no capacity figures to weight
Sites found: 4, 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) | 119 km |
| Hammond Lake at Hammond Dam at Tioga, PA | 1,086 ft (USGS, no capacity on file) | 126 km |
| Tioga Lake at Tioga Dam at Tioga, PA | 1,082 ft (USGS, no capacity on file) | 126 km |
| First Fork Sinnemahoning Creek Reservoir | 922.1 ft (USGS, no capacity on file) | 145 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 #
74 gauges · 0 flooding · 12 with quality panels averaging 99 % · 18 stale
Sites found: 74, 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 |
|---|---|---|
| OATKA CREEK AT WARSAW NY | flow 6.88 ft³/s · no flooding | 9 km |
| TONAWANDA CREEK AT ATTICA NY | flow 14.1 ft³/s · no flooding | 19 km |
| LITTLE TONAWANDA CREEK AT LINDEN NY | flow 14.0 ft³/s · STALE | 20 km |
| GENESEE RIVER AT PORTAGEVILLE NY | flow 191.0 ft³/s | 21 km |
| Genesee River at Mount Morris Dam | no flooding | 27 km |
| CANASERAGA CREEK AT SHAKERS CROSSING NY | flow 56.8 ft³/s | 32 km |
| USGS-424131077495801 | flow 0.00 ft³/s · STALE | 32 km |
| USGS-424131077495802 | flow 0.00 ft³/s · STALE | 32 km |
| USGS-424129077495501 | flow 0.00 ft³/s · STALE | 32 km |
| USGS-424129077495502 | flow 0.00 ft³/s · STALE | 32 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 #
16 wells in 0 named aquifers:
Sites found: 16, 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-424406078075301 | depth 2.65 ft · 2026-10-05 | 9 km |
| USGS-423743078070802 | depth 13.3 ft · 2026-10-05 | 12 km |
| USGS-425430078292701 | depth 3.52 ft · 2026-10-05 | 31 km |
| USGS-425913078085501 | depth 31.0 ft · 2026-10-05 | 32 km |
| USGS-430146078101301 | depth 9.99 ft · 2026-10-05 | 37 km |
| USGS-425844077532901 | depth 54.1 ft · 2026-10-05 | 41 km |
| USGS-425704078360601 | depth 11.1 ft · 2022-04-20 | 41 km |
| USGS-425833077503901 | depth 11.3 ft · 2026-10-05 | 44 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 + 0.2×0.01 / 0.55
Banks & federal dollars #
$1.3 bn in deposits at 12 offices of 5 banks (SOD June 2026); HHI 3,380, highly concentrated. $272.6 m federal obligations in FY2026 (direct payments $251.2 m, contracts $14.2 m), $22,752 per covered job
| Item | Value | Distance |
|---|---|---|
| Five Star Bank | $560.7 m · 42.7% share · 4 offices | |
| Tompkins Community Bank | $481.6 m · 36.7% share · 4 offices | |
| Manufacturers and Traders Trust Company | $176.8 m · 13.5% share · 2 offices | |
| Wyoming, NY | $272.6 m FY2026 · $22,752/job | |
| MULTIPLE RECIPIENTS | $247.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Five Star Bank | $560,676,000 | 42.7% | 4 |
| Tompkins Community Bank | $481,635,000 | 36.7% | 4 |
| Manufacturers and Traders Trust Company | $176,792,000 | 13.5% | 2 |
| KeyBank National Association | $73,025,000 | 5.6% | 1 |
| Community Bank, National Association | $21,602,000 | 1.6% | 1 |
Deposit concentration is 3,380 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 = 42.7² + 36.7² + 13.5² + … (2 more) = 3,380
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 | $221,762,714 |
| Department of Veterans Affairs | $23,654,217 |
| Department of the Treasury | $15,142,011 |
| Department of Transportation | $6,959,501 |
| Department of Agriculture | $2,415,202 |
| Railroad Retirement Board | $1,716,404 |
| Federal Communications Commission | $1,444,767 |
| Department of Housing and Urban Development | $261,176 |
| Department of Education | $20,229 |
| Small Business Administration | $0 |
| Environmental Protection Agency | -$50,519 |
| Department of Health and Human Services | -$737,293 |
That is $22,752 per covered job, against 11,981 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $272.6 m / 11,981 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,752
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 #
Wyoming County, NY: 7 findings, 3 at a watch level and 4 noted
watchWyoming 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
watchWyoming County, NY's covered employment of 11,981 scores 59 on the 0-to-100 scale across US counties but 11 across New York counties, a gap of 47 points.
Period 2026 Q1.Show the arithmetic
- 47 = |59 across US counties - 11 across New York counties|
position among the entities that published this metric this period; not an official level
watchWyoming County, NY's typical home value of +5.2% scores 74 on the 0-to-100 scale across US counties but 38 across New York counties, a gap of 36 points.
Period 2026-08.Show the arithmetic
- 36 = |74 across US counties - 38 across New York counties|
position among the entities that published this metric this period; not an official level
noteWyoming County, NY's average weekly wage was 4.9% 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
- +4.9 % = 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
noteWyoming County, NY's typical home value rose 0.8% from $214,915 in July 2026 to $216,570 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.8% = (216569.69986751862 - 214915.04492094414) / 214915.04492094414 × 100
- 216569.69986751862 = Zillow ZHVI, 2026-08
- 214915.04492094414 = Zillow ZHVI, 2026-07
Read all 7 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.