Tillamook County, OR
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 45.46, -123.76.
Assembled 2026-10-06. Read the brief.
- 93rd pct · 185th of 3,063 US counties · median $234,566
- 82nd pct · 7th of 36 Oregon counties · median $432,775
- 22nd pct · 2,367th of 3,063 US counties · median +2.9%
- 31st pct · 25th of 36 Oregon counties · median +0.6%
- US counties: not published this period
- Oregon counties: not published this period
- 54th pct · 1,456th of 3,221 US counties · median 8,232
- 34th pct · 24th of 36 Oregon counties · median 15,683
- 55th pct · 1,442nd of 3,221 US counties · median $1,039
- 40th pct · 22nd of 36 Oregon counties · median $1,074
- 96th pct · 116th of 3,063 US counties · median 4.3
- 91st pct · 4th 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 $509,079 (Aug 2026), +0.3% over one year, +10.8% over five
- 93rd pct · 185th of 3,063 US counties · median $234,566
- 82nd pct · 7th of 36 Oregon counties · median $432,775
| Item | Value | Distance |
|---|---|---|
| Tillamook County, OR | $509,079 · +0.3% 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
- Oregon 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 $2,787 a month on $509,079 at 7.28%, against an average weekly wage worth $4,602 a month: 60.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $509,079 × 80% = $407,263, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,787/mo principal and interest
- wage share = payment / (avg weekly wage $1,062 × 52 / 12 = $4,602) = 61% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $509,079 / ($1,062 × 52) = 9.2
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 #
9,797 jobs at 1,034 employers (2026 Q1); +0.6% jobs and +2.5% average weekly wage over the year
- 54th pct · 1,456th of 3,221 US counties · median 8,232
- 34th pct · 24th of 36 Oregon counties · median 15,683
| Item | Value | Distance |
|---|---|---|
| Tillamook County, OR | 9,797 jobs · $1,062/wk · +0.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,701 | $1,318 | 2.16 | +7.3% |
| Accommodation and food services | 1,295 | $569 | 1.47 | -4.6% |
| Retail trade | 1,078 | $639 | 1.13 | +0.3% |
| Health care and social assistance | 1,042 | $1,342 | 0.71 | -1.7% |
| Agriculture, forestry, fishing | 606 | $914 | 8.56 | -2.6% |
| Other services | 384 | $653 | 1.31 | +4.3% |
| Construction | 360 | $1,095 | 0.70 | -5.5% |
| Transportation and warehousing | 318 | $1,038 | 0.77 | +38.9% |
| Administrative and waste services | 185 | $788 | 0.33 | -2.6% |
| Educational services | 168 | $1,050 | 0.80 | +11.3% |
| Wholesale trade | 143 | $1,160 | 0.38 | +2.9% |
| Professional and technical services | 115 | $1,446 | 0.17 | -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 #
No drought class at this point (USDM covers the United States only)
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 #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$628.4 m in deposits at 8 offices of 5 banks (SOD June 2026); HHI 2,551, highly concentrated. $251.1 m federal obligations in FY2026 (direct payments $224.5 m, grants $23.7 m), $25,633 per covered job
| Item | Value | Distance |
|---|---|---|
| U.S. Bank National Association | $247.4 m · 39.4% share · 2 offices | |
| Columbia Bank | $137.5 m · 21.9% share · 1 office | |
| Oregon Coast Bank | $93.1 m · 14.8% share · 2 offices | |
| Tillamook, OR | $251.1 m FY2026 · $25,633/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| U.S. Bank National Association | $247,367,000 | 39.4% | 2 |
| Columbia Bank | $137,514,000 | 21.9% | 1 |
| Oregon Coast Bank | $93,105,000 | 14.8% | 2 |
| 1st Security Bank of Washington | $93,001,000 | 14.8% | 2 |
| Wells Fargo Bank, National Association | $57,393,000 | 9.1% | 1 |
Deposit concentration is 2,551 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 = 39.4² + 21.9² + 14.8² + … (2 more) = 2,551
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 | $196,608,665 |
| Department of Veterans Affairs | $24,875,292 |
| Department of Transportation | $17,040,590 |
| Department of Health and Human Services | $4,755,497 |
| Department of Defense | $2,516,740 |
| Environmental Protection Agency | $1,409,800 |
| Department of Agriculture | $1,143,815 |
| Railroad Retirement Board | $1,022,584 |
| Department of Education | $979,448 |
| Department of Commerce | $499,975 |
| Department of the Interior | $143,888 |
| Federal Communications Commission | $117,613 |
That is $25,633 per covered job, against 9,797 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $251.1 m / 9,797 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $25,633
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 #
Tillamook County, OR: 5 findings, 1 at a watch level and 4 noted
watchTillamook County, OR's years of wages of 9.2 ranks 116th 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 = 96.24428478118875 >= 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
noteTillamook County, OR's average weekly wage was 2.5% 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
- +2.5 % = 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
noteTillamook County, OR's covered employment was 0.6% 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
- +0.6 % = 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
noteTillamook County, OR's typical home value of $509,079 ranks 185th of 3,063 US counties, against a median of $234,566.
Period 2026-08.Show the arithmetic
- 94 on the 0-to-100 scale across 3063 US counties that published home.latest
position among the entities that published this metric this period; not an official level
noteThe next Zillow ZHVI typical home value (monthly) covering Tillamook County, OR is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.