Morrow County, OR
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 45.43, -119.60.
Assembled 2026-10-06. Read the brief.
- 71st pct · 865th of 3,063 US counties · median $234,566
- 22nd pct · 28th of 36 Oregon counties · median $432,775
- 33rd pct · 2,049th of 3,063 US counties · median +2.9%
- 68th pct · 12th of 36 Oregon counties · median +0.6%
- 81st pct · 254th of 1,399 US counties · median $1,496
- 87th pct · 4th of 25 Oregon counties · median $1,753
- 45th pct · 1,758th of 3,221 US counties · median 8,232
- 25th pct · 27th of 36 Oregon counties · median 15,683
- 90th pct · 318th of 3,221 US counties · median $1,039
- 91st pct · 4th of 36 Oregon counties · median $1,074
- 48th pct · 1,577th of 3,063 US counties · median 4.3
- 8th pct · 33rd 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 $312,111 (Aug 2026), +1.4% over one year, +20.5% over five
- 71st pct · 865th of 3,063 US counties · median $234,566
- 22nd pct · 28th of 36 Oregon counties · median $432,775
| Item | Value | Distance |
|---|---|---|
| Morrow County, OR | $312,111 · +1.4% 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 $1,969/mo (Aug 2026), n/a over one year; price-to-rent 13.2
- 81st pct · 254th of 1,399 US counties · median $1,496
- 87th pct · 4th of 25 Oregon counties · median $1,753
| Item | Value | Distance |
|---|---|---|
| Morrow County, OR | $1,969/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 $1,708 a month on $312,111 at 7.28%, against an average weekly wage worth $6,153 a month: 27.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $312,111 × 80% = $249,689, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,708/mo principal and interest
- wage share = payment / (avg weekly wage $1,420 × 52 / 12 = $6,153) = 28% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $312,111 / ($1,420 × 52) = 4.2
- price-to-rent = $312,111 / ($1,969 × 12) = 13.2
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 #
6,860 jobs at 427 employers (2026 Q1); +2.1% jobs and +4.6% average weekly wage over the year
- 45th pct · 1,758th of 3,221 US counties · median 8,232
- 25th pct · 27th of 36 Oregon counties · median 15,683
| Item | Value | Distance |
|---|---|---|
| Morrow County, OR | 6,860 jobs · $1,420/wk · +2.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,565 | $1,362 | 2.84 | +3.3% |
| Construction | 475 | $2,034 | 1.32 | +45.7% |
| Health care and social assistance | 352 | $1,073 | 0.34 | +5.1% |
| Transportation and warehousing | 315 | $1,200 | 1.09 | -9.2% |
| Retail trade | 289 | $618 | 0.43 | -6.2% |
| Administrative and waste services | 105 | $1,247 | 0.27 | -25.0% |
| Utilities | 97 | $4,209 | 3.58 | -3.0% |
| Wholesale trade | 91 | $1,599 | 0.35 | +4.6% |
| Other services | 87 | $738 | 0.42 | -2.2% |
| Finance and insurance | 43 | $1,248 | 0.15 | +7.5% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld |
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 #
D1 moderate 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 #
Surface water layer not loaded
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 #
Surface water layer not loaded
Sites found: 0, 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.
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 #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, 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.
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 (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$258.0 m in deposits at 5 offices of 2 banks (SOD June 2026); HHI 6,934, highly concentrated. $78.3 m federal obligations in FY2026 (direct payments $68.7 m, grants $5.7 m), $11,420 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank of Eastern Oregon | $209.3 m · 81.1% share · 4 offices | |
| Banner Bank | $48.8 m · 18.9% share · 1 office | |
| Morrow, OR | $78.3 m FY2026 · $11,420/job | |
| MULTIPLE RECIPIENTS | $60.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank of Eastern Oregon | $209,261,000 | 81.1% | 4 |
| Banner Bank | $48,781,000 | 18.9% | 1 |
Deposit concentration is 6,934 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 81.1² + 18.9² = 6,934
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 | $50,100,840 |
| Department of Agriculture | $11,552,543 |
| Department of Veterans Affairs | $8,678,637 |
| Department of Transportation | $4,083,848 |
| Department of Health and Human Services | $1,840,845 |
| Railroad Retirement Board | $1,303,438 |
| Federal Communications Commission | $745,531 |
| Department of Housing and Urban Development | $40,678 |
| Department of Education | $32,022 |
| Department of Energy | $0 |
| Department of the Interior | -$34,542 |
That is $11,420 per covered job, against 6,860 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $78.3 m / 6,860 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $11,420
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 | -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 #
Morrow County, OR: 14 findings, 3 at a watch level and 11 noted
watchMorrow County, OR's typical home value of $312,111 scores 72 on the 0-to-100 scale across US counties but 23 across Oregon counties, a gap of 49 points.
Period 2026-08.Show the arithmetic
- 49 = |72 across US counties - 23 across Oregon counties|
position among the entities that published this metric this period; not an official level
watchMorrow County, OR's years of wages of 4.2 scores 49 on the 0-to-100 scale across US counties but 9 across Oregon counties, a gap of 40 points.
Period 2026-08.Show the arithmetic
- 40 = |49 across US counties - 9 across Oregon counties|
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
watchMorrow County, OR's typical home value of +1.4% scores 33 on the 0-to-100 scale across US counties but 69 across Oregon counties, a gap of 35 points.
Period 2026-08.Show the arithmetic
- 35 = |33 across US counties - 69 across Oregon counties|
position among the entities that published this metric this period; not an official level
noteMorrow County, OR's average weekly wage was 4.6% 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
- +4.6 % = 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
noteMorrow County, OR's covered employment was 2.1% 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
- +2.1 % = 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.