Jefferson County, OR
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 44.65, -121.18.
Assembled 2026-10-06. Read the brief.
- 88th pct · 340th of 3,063 US counties · median $234,566
- 48th pct · 19th of 36 Oregon counties · median $432,775
- counties in the Bend metro: Rank context is unavailable: the manifest lists 3 counties in the Bend metro; fewer than 5 is too few to rank.
- 26th pct · 2,262nd of 3,063 US counties · median +2.9%
- 48th pct · 19th of 36 Oregon counties · median +0.6%
- counties in the Bend metro: Rank context is unavailable: the manifest lists 3 counties in the Bend metro; fewer than 5 is too few to rank.
- 52nd pct · 660th of 1,399 US counties · median $1,496
- 16th pct · 21st of 25 Oregon counties · median $1,753
- counties in the Bend metro: Rank context is unavailable: the manifest lists 3 counties in the Bend metro; fewer than 5 is too few to rank.
- 46th pct · 1,729th of 3,221 US counties · median 8,232
- 28th pct · 26th of 36 Oregon counties · median 15,683
- counties in the Bend metro: Rank context is unavailable: the manifest lists 3 counties in the Bend metro; fewer than 5 is too few to rank.
- 62nd pct · 1,214th of 3,221 US counties · median $1,039
- 54th pct · 17th of 36 Oregon counties · median $1,074
- counties in the Bend metro: Rank context is unavailable: the manifest lists 3 counties in the Bend metro; fewer than 5 is too few to rank.
- 91st pct · 269th of 3,063 US counties · median 4.3
- 62nd pct · 14th of 36 Oregon counties · median 6.8
- counties in the Bend metro: Rank context is unavailable: the manifest lists 3 counties in the Bend 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 $429,224 (Aug 2026), +0.6% over one year, +15.0% over five
- 88th pct · 340th of 3,063 US counties · median $234,566
- 48th pct · 19th of 36 Oregon counties · median $432,775
- counties in the Bend metro: Rank context is unavailable: the manifest lists 3 counties in the Bend metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Jefferson County, OR | $429,224 · +0.6% 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 #
Typical rent $1,526/mo (Aug 2026), n/a over one year; price-to-rent 23.4
- 52nd pct · 660th of 1,399 US counties · median $1,496
- 16th pct · 21st of 25 Oregon counties · median $1,753
- counties in the Bend metro: Rank context is unavailable: the manifest lists 3 counties in the Bend metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Jefferson County, OR | $1,526/mo · n/a 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 $2,349 a month on $429,224 at 7.28%, against an average weekly wage worth $4,762 a month: 49.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $429,224 × 80% = $343,379, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,349/mo principal and interest
- wage share = payment / (avg weekly wage $1,099 × 52 / 12 = $4,762) = 49% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $429,224 / ($1,099 × 52) = 7.5
- price-to-rent = $429,224 / ($1,526 × 12) = 23.4
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 #
7,083 jobs at 631 employers (2026 Q1); +0.4% jobs and +1.9% average weekly wage over the year
- 46th pct · 1,729th of 3,221 US counties · median 8,232
- 28th pct · 26th of 36 Oregon counties · median 15,683
- counties in the Bend metro: Rank context is unavailable: the manifest lists 3 counties in the Bend metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Jefferson County, OR | 7,083 jobs · $1,099/wk · +0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,148 | $1,163 | 2.01 | -1.9% |
| Health care and social assistance | 932 | $1,272 | 0.87 | +0.0% |
| Retail trade | 672 | $727 | 0.97 | +2.3% |
| Accommodation and food services | 566 | $466 | 0.89 | +2.4% |
| Agriculture, forestry, fishing | 312 | $1,126 | 6.10 | +8.7% |
| Other services | 197 | $663 | 0.93 | +18.0% |
| Construction | 180 | $1,320 | 0.48 | +3.4% |
| Wholesale trade | 152 | $1,160 | 0.56 | -2.6% |
| Administrative and waste services | 141 | $1,001 | 0.35 | -23.4% |
| Finance and insurance | 65 | $1,728 | 0.23 | +6.6% |
| Arts, entertainment and recreation | 48 | $760 | 0.41 | +2.1% |
| Information | 33 | $898 | 0.25 | -21.4% |
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 #
D3 extreme drought
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 #
1 USGS reservoir gauges, no capacity figures to weight
Sites found: 1, 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 |
|---|---|---|
| PROWELL SPRINGS DIVERSION POOL, NEAR BEND, OR | 7.82 ft (USGS, no capacity on file) | 77 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 #
59 gauges · 0 flooding · 33 with quality panels averaging 100 % · 42 stale
Sites found: 59, 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 |
|---|---|---|
| DESCHUTES RIVER BLW RND BUTTE DM, NR MADRAS, OR | flow 3,090 ft³/s · STALE | 9 km |
| SEEKSEEQUA CREEK NEAR WARMSPRINGS, OR | flow 3.00 ft³/s · STALE | 10 km |
| DESCHUTES RIVER NEAR MADRAS, OR | flow 3,740 ft³/s · quality 100 % (1) | 10 km |
| SHITIKE CREEK NEAR WARM SPRINGS, OR | flow 37.0 ft³/s | 14 km |
| SHITIKE CR BL WOLFORD CANYON NR WARM SPRGS,OREG. | flow 698.0 ft³/s · STALE | 17 km |
| CROOKED RIVER BELOW OPAL SPRINGS, NEAR CULVER, OR | flow 1,270 ft³/s · quality 100 % (1) | 19 km |
| DESCHUTES RIVER NEAR CULVER, OR | flow 504.0 ft³/s · quality 100 % (1) | 20 km |
| WARM SPRINGS RIVER NEAR KAHNEETA HOT SPRINGS, OR | flow 199.0 ft³/s · quality 100 % (1) | 24 km |
| METOLIUS RIVER NEAR GRANDVIEW, OR | flow 1,200 ft³/s · quality 100 % (1) | 24 km |
| CROOKED RIVER BLW OSBORNE CANYON, NR OPAL CITY, OR | flow 158.0 ft³/s | 25 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 #
1 wells in 0 named aquifers:
Sites found: 1, 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-442242121405501 | depth 302.0 ft · 2026-10-04 | 50 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 #
moderate (0.48)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.2×0.00 / 0.55
Banks & federal dollars #
$176.2 m in deposits at 3 offices of 3 banks (SOD June 2026); HHI 4,018, highly concentrated. $187.3 m federal obligations in FY2026 (direct payments $168.7 m, contracts $9.9 m), $26,442 per covered job
| Item | Value | Distance |
|---|---|---|
| Columbia Bank | $88.2 m · 50.0% share · 1 office | |
| U.S. Bank National Association | $64.3 m · 36.5% share · 1 office | |
| First Interstate Bank | $23.7 m · 13.5% share · 1 office | |
| Jefferson, OR | $187.3 m FY2026 · $26,442/job | |
| MULTIPLE RECIPIENTS | $161.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Columbia Bank | $88,196,000 | 50.0% | 1 |
| U.S. Bank National Association | $64,310,000 | 36.5% | 1 |
| First Interstate Bank | $23,713,000 | 13.5% | 1 |
Deposit concentration is 4,018 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 50.0² + 36.5² + 13.5² = 4,018
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 | $135,102,705 |
| Department of Veterans Affairs | $25,423,820 |
| Department of Health and Human Services | $6,610,320 |
| Department of the Interior | $5,845,489 |
| Department of Agriculture | $4,690,579 |
| Department of Education | $3,917,344 |
| Department of Housing and Urban Development | $3,765,168 |
| Department of Transportation | $1,334,273 |
| Railroad Retirement Board | $300,532 |
| Department of Defense | $157,560 |
| Federal Communications Commission | $140,532 |
| Department of Commerce | $0 |
That is $26,442 per covered job, against 7,083 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $187.3 m / 7,083 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $26,442
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 | 12.28 | 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 #
Jefferson County, OR: 8 findings, 3 at a watch level and 5 noted
watchJefferson County, OR's years of wages of 7.5 ranks 269th of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-08.Show the arithmetic
- test: yearsOfWages percentile = 91.24755062050947 >= 90
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level
watchJefferson County, OR's typical home value of $429,224 scores 89 on the 0-to-100 scale across US counties but 49 across Oregon counties, a gap of 40 points.
Period 2026-08.Show the arithmetic
- 40 = |89 across US counties - 49 across Oregon counties|
position among the entities that published this metric this period; not an official level
watchJefferson County, OR's typical asking rent of $1,526 scores 53 on the 0-to-100 scale across US counties but 17 across Oregon counties, a gap of 36 points.
Period 2026-08.Show the arithmetic
- 36 = |53 across US counties - 17 across Oregon counties|
position among the entities that published this metric this period; not an official level
noteJefferson County, OR's average weekly wage was 1.9% 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
- +1.9 % = 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
noteJefferson County, OR's typical asking rent rose 1.8% from $1,500 in July 2026 to $1,526 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +1.8% = (1526.25 - 1499.5363176166338) / 1499.5363176166338 × 100
- 1526.25 = Zillow ZORI, 2026-08
- 1499.5363176166338 = Zillow ZORI, 2026-07
Read all 8 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.