Adams County, PA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.87, -77.22.
Assembled 2026-10-06. Read the brief.
- 76th pct · 720th of 3,063 US counties · median $234,566
- 84th pct · 11th of 67 Pennsylvania counties · median $233,681
- counties in the Gettysburg metro: Rank context is unavailable: the manifest lists 1 counties in the Gettysburg metro; fewer than 5 is too few to rank.
- 56th pct · 1,347th of 3,063 US counties · median +2.9%
- 56th pct · 30th of 67 Pennsylvania counties · median +3.4%
- counties in the Gettysburg metro: Rank context is unavailable: the manifest lists 1 counties in the Gettysburg metro; fewer than 5 is too few to rank.
- 37th pct · 874th of 1,399 US counties · median $1,496
- 53rd pct · 23rd of 48 Pennsylvania counties · median $1,349
- counties in the Gettysburg metro: Rank context is unavailable: the manifest lists 1 counties in the Gettysburg metro; fewer than 5 is too few to rank.
- 78th pct · 683rd of 3,221 US counties · median 8,232
- 54th pct · 31st of 67 Pennsylvania counties · median 27,809
- counties in the Gettysburg metro: Rank context is unavailable: the manifest lists 1 counties in the Gettysburg metro; fewer than 5 is too few to rank.
- 61st pct · 1,225th of 3,221 US counties · median $1,039
- 47th pct · 35th of 67 Pennsylvania counties · median $1,102
- counties in the Gettysburg metro: Rank context is unavailable: the manifest lists 1 counties in the Gettysburg metro; fewer than 5 is too few to rank.
- 77th pct · 693rd of 3,063 US counties · median 4.3
- 92nd pct · 6th of 67 Pennsylvania counties · median 3.8
- counties in the Gettysburg metro: Rank context is unavailable: the manifest lists 1 counties in the Gettysburg 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 $334,231 (Aug 2026), +3.5% over one year, +26.4% over five
- 76th pct · 720th of 3,063 US counties · median $234,566
- 84th pct · 11th of 67 Pennsylvania counties · median $233,681
- counties in the Gettysburg metro: Rank context is unavailable: the manifest lists 1 counties in the Gettysburg metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Adams County, PA | $334,231 · +3.5% 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 $1,364/mo (Aug 2026), +1.9% over one year; price-to-rent 20.4
- 37th pct · 874th of 1,399 US counties · median $1,496
- 53rd pct · 23rd of 48 Pennsylvania counties · median $1,349
- counties in the Gettysburg metro: Rank context is unavailable: the manifest lists 1 counties in the Gettysburg metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Adams County, PA | $1,364/mo · +1.9% 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 $1,829 a month on $334,231 at 7.28%, against an average weekly wage worth $4,758 a month: 38.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $334,231 × 80% = $267,385, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,829/mo principal and interest
- wage share = payment / (avg weekly wage $1,098 × 52 / 12 = $4,758) = 38% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $334,231 / ($1,098 × 52) = 5.9
- price-to-rent = $334,231 / ($1,364 × 12) = 20.4
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 #
33,333 jobs at 2,298 employers (2026 Q1); +1.2% jobs and +1.0% average weekly wage over the year
- 78th pct · 683rd of 3,221 US counties · median 8,232
- 54th pct · 31st of 67 Pennsylvania counties · median 27,809
- counties in the Gettysburg metro: Rank context is unavailable: the manifest lists 1 counties in the Gettysburg metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Adams County, PA | 33,333 jobs · $1,098/wk · +1.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 7,044 | $1,278 | 2.63 | +1.7% |
| Health care and social assistance | 4,442 | $1,323 | 0.89 | +0.5% |
| Accommodation and food services | 3,761 | $441 | 1.26 | -3.2% |
| Retail trade | 3,448 | $739 | 1.06 | -0.6% |
| Construction | 1,552 | $1,307 | 0.89 | +5.4% |
| Transportation and warehousing | 1,203 | $967 | 0.86 | +6.9% |
| Other services | 1,067 | $680 | 1.07 | +1.2% |
| Educational services | 1,047 | $1,055 | 1.46 | -6.1% |
| Administrative and waste services | 772 | $818 | 0.41 | +15.7% |
| Professional and technical services | 757 | $1,271 | 0.33 | +0.7% |
| Arts, entertainment and recreation | 645 | $495 | 1.18 | +9.9% |
| Finance and insurance | 550 | $2,137 | 0.40 | -0.9% |
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 #
4 USGS reservoir gauges, no capacity figures to weight
Sites found: 4, 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 |
|---|---|---|
| Indian Rock Dam near York, PA | 372.1 ft (USGS, no capacity on file) | 40 km |
| Raystown Lake near Huntingdon, PA | 786.3 ft (USGS, no capacity on file) | 92 km |
| Blue Marsh Lake near Bernville, PA | 290.1 ft (USGS, no capacity on file) | 116 km |
| Foster Joseph Sayers Lake near Blanchard, PA | 630.0 ft (USGS, no capacity on file) | 135 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 #
141 gauges · 0 flooding · 31 with quality panels averaging 99 % · 40 stale
Sites found: 141, 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 |
|---|---|---|
| Swift Run at Brickcrafter Rd nr New Oxford, PA | flow 0.15 ft³/s · quality 100 % (5) | 10 km |
| Brush Run, Site 2, near McSherrystown, PA | flow 0.02 ft³/s · STALE | 11 km |
| Bermudian Creek at Oxford Road nr Heidlersburg, PA | flow 1.72 ft³/s | 13 km |
| Mountain Creek near Pine Grove Furnace, PA | flow 2.29 ft³/s | 20 km |
| West Conewago Creek at East Berlin, PA | flow 26.0 ft³/s | 21 km |
| USGS-01639000 | flow 9.76 ft³/s · no flooding | 21 km |
| USGS-01639140 | flow 3.20 ft³/s · STALE | 23 km |
| USGS-01639500 | flow 19.4 ft³/s · no flooding | 29 km |
| Codorus Creek at Spring Grove, PA | flow 14.7 ft³/s | 31 km |
| USGS-01640975 | temp 18.1 °C · quality 100 % (1) · STALE | 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 #
51 wells in 0 named aquifers:
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 |
|---|---|---|
| USGS-395049077145701 | depth 24.3 ft · 1987-10-16 | 4 km |
| USGS-394916077142901 | depth 36.2 ft · 1992-08-31 | 6 km |
| USGS-394851077130301 | depth 3.47 ft · 1987-09-14 | 6 km |
| USGS-394812077145601 | depth 12.5 ft · 1986-11-05 | 8 km |
| USGS-394807077150101 | depth 28.3 ft · 1992-09-29 | 8 km |
| USGS-394755077160501 | depth 34.0 ft · 1992-09-05 | 9 km |
| USGS-395846077040601 | depth 12.6 ft · 2026-10-05 | 18 km |
| USGS-394430077225001 | depth 110.5 ft · 2026-10-05 | 20 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 #
$1.8 bn in deposits at 17 offices of 4 banks (SOD June 2026); HHI 4,596, highly concentrated. $814.9 m federal obligations in FY2026 (direct payments $754.4 m, contracts $45.1 m), $24,447 per covered job
| Item | Value | Distance |
|---|---|---|
| ACNB Bank | $1.1 bn · 60.6% share · 10 offices | |
| PNC Bank, National Association | $522.4 m · 29.6% share · 4 offices | |
| Manufacturers and Traders Trust Company | $102.6 m · 5.8% share · 2 offices | |
| Adams, PA | $814.9 m FY2026 · $24,447/job | |
| MULTIPLE RECIPIENTS | $727.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| ACNB Bank | $1,070,298,000 | 60.6% | 10 |
| PNC Bank, National Association | $522,431,000 | 29.6% | 4 |
| Manufacturers and Traders Trust Company | $102,601,000 | 5.8% | 2 |
| Truist Bank | $71,039,000 | 4.0% | 1 |
Deposit concentration is 4,596 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 = 60.6² + 29.6² + 5.8² + … (1 more) = 4,596
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 | $668,006,532 |
| Department of Veterans Affairs | $60,085,246 |
| Department of Defense | $37,684,084 |
| Department of Agriculture | $18,746,552 |
| Department of Transportation | $15,128,761 |
| Department of Housing and Urban Development | $5,667,888 |
| Federal Communications Commission | $2,862,577 |
| Department of Education | $2,726,455 |
| Railroad Retirement Board | $1,790,839 |
| Department of the Interior | $1,334,411 |
| U.S. Agency for Global Media | $509,919 |
| Department of Health and Human Services | $239,668 |
That is $24,447 per covered job, against 33,333 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $814.9 m / 33,333 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $24,447
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 #
Adams County, PA: 7 findings, 7 noted
noteAdams County, PA's typical asking rent rose 1.3% from $1,345 in July 2026 to $1,364 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +1.3% = (1363.5238095238094 - 1345.4055039690895) / 1345.4055039690895 × 100
- 1363.5238095238094 = Zillow ZORI, 2026-08
- 1345.4055039690895 = Zillow ZORI, 2026-07
noteAdams County, PA's covered employment was 1.2% 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
- +1.2 % = 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
noteAdams County, PA's average weekly wage was 1.0% 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
- +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
noteAdams County, PA's price-to-rent ratio of 20.4 ranks 3rd of 48 Pennsylvania counties, against a median of 16.6.
Period 2026-08.Show the arithmetic
- 96 on the 0-to-100 scale across 48 Pennsylvania counties that published priceToRent
- 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
noteAdams County, PA's years of wages of 5.9 ranks 6th of 67 Pennsylvania counties, against a median of 3.8.
Period 2026-08.Show the arithmetic
- 92 on the 0-to-100 scale across 67 Pennsylvania counties that published yearsOfWages
- 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
Read all 7 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.