Lincoln County, OR
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 44.64, -123.91.
Assembled 2026-10-07. Read the brief.
- 91st pct · 256th of 3,063 US counties · median $234,566
- 68th pct · 12th of 36 Oregon counties · median $432,775
- 26th pct · 2,243rd of 3,063 US counties · median +2.9%
- 54th pct · 17th of 36 Oregon counties · median +0.6%
- 84th pct · 223rd of 1,399 US counties · median $1,496
- 91st pct · 3rd of 25 Oregon counties · median $1,753
- 68th pct · 1,009th of 3,221 US counties · median 8,232
- 51st pct · 18th of 36 Oregon counties · median 15,683
- 45th pct · 1,761st of 3,221 US counties · median $1,039
- 11th pct · 32nd of 36 Oregon counties · median $1,074
- 95th pct · 138th of 3,063 US counties · median 4.3
- 85th pct · 6th of 36 Oregon counties · median 6.8
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 $470,080 (Aug 2026), +0.7% over one year, +16.1% over five
- 91st pct · 256th of 3,063 US counties · median $234,566
- 68th pct · 12th of 36 Oregon counties · median $432,775
| Item | Value | Distance |
|---|---|---|
| Lincoln County, OR | $470,080 · +0.7% 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 $2,023/mo (Aug 2026), +6.7% over one year; price-to-rent 19.4
- 84th pct · 223rd of 1,399 US counties · median $1,496
- 91st pct · 3rd of 25 Oregon counties · median $1,753
| Item | Value | Distance |
|---|---|---|
| Lincoln County, OR | $2,023/mo · +6.7% 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 $2,573 a month on $470,080 at 7.28%, against an average weekly wage worth $4,416 a month: 58.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $470,080 × 80% = $376,064, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,573/mo principal and interest
- wage share = payment / (avg weekly wage $1,019 × 52 / 12 = $4,416) = 58% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $470,080 / ($1,019 × 52) = 8.9
- price-to-rent = $470,080 / ($2,023 × 12) = 19.4
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 #
17,847 jobs at 1,966 employers (2026 Q1); -2.2% jobs and +1.8% average weekly wage over the year
- 68th pct · 1,009th of 3,221 US counties · median 8,232
- 51st pct · 18th of 36 Oregon counties · median 15,683
| Item | Value | Distance |
|---|---|---|
| Lincoln County, OR | 17,847 jobs · $1,019/wk · -2.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 4,318 | $611 | 2.69 | -0.5% |
| Retail trade | 2,562 | $648 | 1.47 | -4.3% |
| Health care and social assistance | 2,231 | $1,350 | 0.83 | +4.4% |
| Manufacturing | 775 | $1,566 | 0.54 | -1.1% |
| Construction | 769 | $1,095 | 0.82 | -3.8% |
| Administrative and waste services | 547 | $828 | 0.54 | -6.8% |
| Other services | 406 | $728 | 0.76 | -6.2% |
| Real estate and rental | 401 | $885 | 1.47 | -9.3% |
| Professional and technical services | 354 | $1,691 | 0.29 | -6.1% |
| Finance and insurance | 339 | $1,429 | 0.47 | -0.6% |
| Arts, entertainment and recreation | 241 | $764 | 0.82 | +2.1% |
| Transportation and warehousing | 212 | $881 | 0.28 | -13.8% |
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 #
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 #
51 gauges · 0 flooding · 36 with quality panels averaging 99 % · 27 stale
Sites found: 51, 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 |
|---|---|---|
| YAQUINA RIVER NEAR CHITWOOD,OREG. | flow 7.20 ft³/s · no flooding · STALE | 6 km |
| BIG ELK CREEK NEAR ELK CITY, OR | flow 10.1 ft³/s · quality 100 % (1) | 6 km |
| SILETZ RIVER AT SILETZ, OR | flow 69.8 ft³/s · quality 100 % (1) · no flooding | 8 km |
| SILETZ RIVER NEAR SILETZ, OR | flow 75.6 ft³/s · quality 100 % (1) | 14 km |
| Drift Creek of Lincoln Co. above Waldport | no flooding | 20 km |
| SUNSHINE CREEK NEAR VALSETZ,OREG. | flow 2.00 ft³/s · STALE | 23 km |
| ALSEA RIVER NEAR TIDEWATER, OR | flow 70.2 ft³/s · quality 100 % (1) · no flooding | 29 km |
| FIVE RIVERS NR FISHER, OREG. | flow 27.0 ft³/s · STALE | 34 km |
| NORTH FORK ALSEA RIVER AT ALSEA, OR | flow 26.0 ft³/s · STALE | 38 km |
| Yachats River near Yachats | no flooding | 40 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 #
6 wells in 1 named aquifer: Other aquifers
Sites found: 6, 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 |
|---|---|---|
| 12S/06W-11DDA | depth 8.00 ft · 1999-07-20 | 44 km |
| 11S/05W-35DDD | depth 21.2 ft · 2002-04-09 | 53 km |
| Other aquifers | depth 8.68 ft · 2002-04-09 | 53 km |
| USGS-445804123061201 | depth 42.9 ft · 2002-04-10 | 73 km |
| 13s/03w-27abd | depth 75.1 ft · 2002-04-10 | 74 km |
| 08S/03W-35DDD | depth 137.6 ft · 2002-04-10 | 74 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 #
$1.2 bn in deposits at 20 offices of 8 banks (SOD June 2026); HHI 1,600, moderately concentrated. $534.0 m federal obligations in FY2026 (direct payments $469.1 m, grants $38.7 m), $29,923 per covered job
| Item | Value | Distance |
|---|---|---|
| Oregon Coast Bank | $303.4 m · 24.3% share · 4 offices | |
| U.S. Bank National Association | $258.4 m · 20.7% share · 2 offices | |
| Columbia Bank | $206.4 m · 16.5% share · 3 offices | |
| Lincoln, OR | $534.0 m FY2026 · $29,923/job | |
| MULTIPLE RECIPIENTS | $459.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Oregon Coast Bank | $303,378,000 | 24.3% | 4 |
| U.S. Bank National Association | $258,445,000 | 20.7% | 2 |
| Columbia Bank | $206,417,000 | 16.5% | 3 |
| 1st Security Bank of Washington | $130,606,000 | 10.5% | 2 |
| WaFd Bank | $103,638,000 | 8.3% | 3 |
| BMO Bank National Association | $91,163,000 | 7.3% | 3 |
| Wells Fargo Bank, National Association | $84,784,000 | 6.8% | 1 |
| First Interstate Bank | $71,176,000 | 5.7% | 2 |
Deposit concentration is 1,600 across 8 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 24.3² + 20.7² + 16.5² + … (5 more) = 1,600
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 | $408,191,552 |
| Department of Veterans Affairs | $49,885,644 |
| Department of Commerce | $14,715,375 |
| Department of Housing and Urban Development | $14,162,243 |
| Department of Agriculture | $13,815,469 |
| Department of Transportation | $12,230,373 |
| Department of Homeland Security | $9,991,915 |
| Department of Health and Human Services | $4,847,528 |
| Railroad Retirement Board | $1,808,020 |
| Department of Education | $1,262,621 |
| Federal Communications Commission | $1,007,252 |
| Department of the Interior | $925,133 |
That is $29,923 per covered job, against 17,847 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $534.0 m / 17,847 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $29,923
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 #
Lincoln County, OR: 12 findings, 4 at a watch level and 8 noted
watchLincoln County, OR's years of wages of 8.9 ranks 138th 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 = 95.52580013063357 >= 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
watchLincoln County, OR's covered employment is -2.2% 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 = -2.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchLincoln County, OR's price-to-rent ratio of 19.4 scores 69 on the 0-to-100 scale across US counties but 17 across Oregon counties, a gap of 53 points.
Period 2026-08.Show the arithmetic
- 53 = |69 across US counties - 17 across Oregon counties|
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
watchLincoln County, OR's average weekly wage of $1,019 scores 45 on the 0-to-100 scale across US counties but 11 across Oregon counties, a gap of 34 points.
Period 2026 Q1.Show the arithmetic
- 34 = |45 across US counties - 11 across Oregon counties|
position among the entities that published this metric this period; not an official level
noteLincoln County, OR's covered employment was 2.2% 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
- -2.2 % = 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
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.