Yates County, NY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.64, -77.10.
Assembled 2026-10-07. Read the brief.
- 75th pct · 747th of 3,063 US counties · median $234,566
- 65th pct · 22nd of 62 New York counties · median $256,722
- 68th pct · 969th of 3,063 US counties · median +2.9%
- 21st pct · 49th of 62 New York counties · median +5.7%
- US counties: not published this period
- New York counties: not published this period
- 46th pct · 1,726th of 3,221 US counties · median 8,232
- 4th pct · 59th of 62 New York counties · median 32,139
- 54th pct · 1,474th of 3,221 US counties · median $1,039
- 8th pct · 57th of 62 New York counties · median $1,250
- 78th pct · 654th of 3,063 US counties · median 4.3
- 77th pct · 15th 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 $328,918 (Aug 2026), +4.6% over one year, +31.8% over five
- 75th pct · 747th of 3,063 US counties · median $234,566
- 65th pct · 22nd of 62 New York counties · median $256,722
| Item | Value | Distance |
|---|---|---|
| Yates County, NY | $328,918 · +4.6% 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 $1,800 a month on $328,918 at 7.28%, against an average weekly wage worth $4,585 a month: 39.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $328,918 × 80% = $263,134, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,800/mo principal and interest
- wage share = payment / (avg weekly wage $1,058 × 52 / 12 = $4,585) = 39% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $328,918 / ($1,058 × 52) = 6.0
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 #
7,095 jobs at 695 employers (2026 Q1); +3.0% jobs and +7.2% average weekly wage over the year
- 46th pct · 1,726th of 3,221 US counties · median 8,232
- 4th pct · 59th of 62 New York counties · median 32,139
| Item | Value | Distance |
|---|---|---|
| Yates County, NY | 7,095 jobs · $1,058/wk · +3.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,226 | $1,188 | 2.15 | +6.0% |
| Retail trade | 682 | $725 | 0.99 | -4.1% |
| Accommodation and food services | 472 | $482 | 0.74 | -0.2% |
| Construction | 452 | $1,233 | 1.22 | +4.4% |
| Other services | 222 | $922 | 1.05 | +2.8% |
| Wholesale trade | 169 | $1,163 | 0.62 | +9.7% |
| Administrative and waste services | 163 | $831 | 0.40 | +0.0% |
| Real estate and rental | 116 | $886 | 1.07 | -1.7% |
| Finance and insurance | 76 | $1,207 | 0.26 | -1.3% |
| Information | 57 | $2,036 | 0.44 | +119.2% |
| Unclassified | 52 | $1,550 | 3.44 | +85.7% |
| Arts, entertainment and recreation | 41 | $484 | 0.35 | -21.2% |
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 #
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 #
3 USGS reservoir gauges, no capacity figures to weight
Sites found: 3, 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) | 73 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) | 82 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 #
121 gauges · 0 flooding · 21 with quality panels averaging 98 % · 42 stale
Sites found: 121, 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 |
|---|---|---|
| Keuka Lake at Penn Yan | no flooding | 3 km |
| SUGAR CREEK AT COUNTY HOUSE ROAD AT GUYANOGA NY | flow 2.66 ft³/s | 5 km |
| KEUKA LAKE OUTLET AT DRESDEN NY | flow 20.1 ft³/s | 13 km |
| Keuka Outlet at Dresden | no readings | 14 km |
| USGS-04234398 | flow 0.12 ft³/s | 16 km |
| USGS-425027076564401 | turb. 0.40 FNU · quality 100 % (5) · STALE | 26 km |
| Keuka Lake at Hammondsport | observation not current | 27 km |
| Seneca Lake at Geneva | low threshold | 29 km |
| Canandaigua Lake at Canandaigua | no flooding | 30 km |
| USGS-04235000 | flow 32.4 ft³/s · no flooding | 33 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 #
30 wells in 0 named aquifers:
Sites found: 30, 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-424024076574801 | depth 10.6 ft · 2026-10-05 | 12 km |
| USGS-423143076582601 | depth 5.97 ft · 2026-10-05 | 16 km |
| USGS-424347076530201 | depth 2.05 ft · 2014-09-29 | 21 km |
| USGS-424347076530202 | depth 5.17 ft · 2026-10-05 | 21 km |
| USGS-422902076475801 | depth 37.4 ft · 2026-10-05 | 30 km |
| USGS-422445077203301 | depth 10.1 ft · 2026-10-05 | 32 km |
| USGS-422710076462901 | depth 9.28 ft · 2026-10-05 | 34 km |
| USGS-425803077151201 | depth 3.10 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 (0.01)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.02 / 0.55
Banks & federal dollars #
$631.2 m in deposits at 7 offices of 4 banks (SOD June 2026); HHI 2,906, highly concentrated. $173.4 m federal obligations in FY2026 (direct payments $164.0 m, grants $9.0 m), $24,442 per covered job
| Item | Value | Distance |
|---|---|---|
| The Lyons National Bank | $259.1 m · 41.0% share · 2 offices | |
| Five Star Bank | $163.9 m · 26.0% share · 2 offices | |
| Community Bank, National Association | $111.4 m · 17.6% share · 2 offices | |
| Yates, NY | $173.4 m FY2026 · $24,442/job | |
| MULTIPLE RECIPIENTS | $157.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Lyons National Bank | $259,099,000 | 41.0% | 2 |
| Five Star Bank | $163,933,000 | 26.0% | 2 |
| Community Bank, National Association | $111,387,000 | 17.6% | 2 |
| Wayne Bank | $96,820,000 | 15.3% | 1 |
Deposit concentration is 2,906 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 41.0² + 26.0² + 17.6² + … (1 more) = 2,906
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 | $144,446,544 |
| Department of Veterans Affairs | $13,025,456 |
| Department of Health and Human Services | $7,884,547 |
| Department of Education | $3,487,402 |
| Department of Agriculture | $3,010,130 |
| Department of Transportation | $581,752 |
| Department of Housing and Urban Development | $378,587 |
| Federal Communications Commission | $290,156 |
| Railroad Retirement Board | $156,918 |
| Department of Defense | $152,773 |
| Small Business Administration | $0 |
| Environmental Protection Agency | $0 |
That is $24,442 per covered job, against 7,095 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $173.4 m / 7,095 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $24,442
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 #
Yates County, NY: 12 findings, 3 at a watch level and 9 noted
watchYates County, NY's typical home value of +4.6% scores 68 on the 0-to-100 scale across US counties but 21 across New York counties, a gap of 47 points.
Period 2026-08.Show the arithmetic
- 47 = |68 across US counties - 21 across New York counties|
position among the entities that published this metric this period; not an official level
watchYates County, NY's average weekly wage of $1,058 scores 54 on the 0-to-100 scale across US counties but 8 across New York counties, a gap of 46 points.
Period 2026 Q1.Show the arithmetic
- 46 = |54 across US counties - 8 across New York counties|
position among the entities that published this metric this period; not an official level
watchYates County, NY's covered employment of 7,095 scores 46 on the 0-to-100 scale across US counties but 5 across New York counties, a gap of 41 points.
Period 2026 Q1.Show the arithmetic
- 41 = |46 across US counties - 5 across New York counties|
position among the entities that published this metric this period; not an official level
noteYates County, NY's average weekly wage was 7.2% 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
- +7.2 % = 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
noteYates County, NY's covered employment was 3.0% 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 % = 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 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.