Beaver County, PA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.68, -80.35.
Assembled 2026-10-06. Read the brief.
- 40th pct · 1,824th of 3,063 US counties · median $234,566
- 39th pct · 41st of 67 Pennsylvania counties · median $233,681
- 42nd pct · 5th of 8 counties in the Pittsburgh metro · median $212,590
- 56th pct · 1,343rd of 3,063 US counties · median +2.9%
- 57th pct · 29th of 67 Pennsylvania counties · median +3.4%
- 85th pct · 2nd of 8 counties in the Pittsburgh metro · median -0.2%
- 13th pct · 1,211th of 1,399 US counties · median $1,496
- 31st pct · 33rd of 48 Pennsylvania counties · median $1,349
- 50th pct · 4th of 7 counties in the Pittsburgh metro · median $1,082
- 83rd pct · 521st of 3,221 US counties · median 8,232
- 60th pct · 27th of 67 Pennsylvania counties · median 27,809
- 42nd pct · 5th of 8 counties in the Pittsburgh metro · median 68,448
- 81st pct · 585th of 3,221 US counties · median $1,039
- 72nd pct · 19th of 67 Pennsylvania counties · median $1,102
- 57th pct · 4th of 8 counties in the Pittsburgh metro · median $1,211
- 24th pct · 2,307th of 3,063 US counties · median 4.3
- 36th pct · 43rd of 67 Pennsylvania counties · median 3.8
- 71st pct · 3rd of 8 counties in the Pittsburgh metro · median 3.0
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 $209,758 (Aug 2026), +3.5% over one year, +23.9% over five
- 40th pct · 1,824th of 3,063 US counties · median $234,566
- 39th pct · 41st of 67 Pennsylvania counties · median $233,681
- 42nd pct · 5th of 8 counties in the Pittsburgh metro · median $212,590
| Item | Value | Distance |
|---|---|---|
| Beaver County, PA | $209,758 · +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 $1,082/mo (Aug 2026), +3.0% over one year; price-to-rent 16.2
- 13th pct · 1,211th of 1,399 US counties · median $1,496
- 31st pct · 33rd of 48 Pennsylvania counties · median $1,349
- 50th pct · 4th of 7 counties in the Pittsburgh metro · median $1,082
| Item | Value | Distance |
|---|---|---|
| Beaver County, PA | $1,082/mo · +3.0% 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 $1,148 a month on $209,758 at 7.28%, against an average weekly wage worth $5,464 a month: 21.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $209,758 × 80% = $167,807, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,148/mo principal and interest
- wage share = payment / (avg weekly wage $1,261 × 52 / 12 = $5,464) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $209,758 / ($1,261 × 52) = 3.2
- price-to-rent = $209,758 / ($1,082 × 12) = 16.2
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 #
48,414 jobs at 3,629 employers (2026 Q1); +1.4% jobs and +1.8% average weekly wage over the year
- 83rd pct · 521st of 3,221 US counties · median 8,232
- 60th pct · 27th of 67 Pennsylvania counties · median 27,809
- 42nd pct · 5th of 8 counties in the Pittsburgh metro · median 68,448
| Item | Value | Distance |
|---|---|---|
| Beaver County, PA | 48,414 jobs · $1,261/wk · +1.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 8,515 | $1,120 | 1.17 | -0.6% |
| Manufacturing | 6,522 | $2,041 | 1.67 | +0.2% |
| Retail trade | 6,355 | $688 | 1.35 | +0.5% |
| Accommodation and food services | 4,602 | $374 | 1.06 | +3.1% |
| Construction | 2,865 | $1,527 | 1.13 | +19.9% |
| Transportation and warehousing | 2,568 | $1,240 | 1.26 | -6.1% |
| Administrative and waste services | 1,754 | $1,012 | 0.64 | +5.1% |
| Other services | 1,677 | $608 | 1.16 | +5.1% |
| Professional and technical services | 1,529 | $2,082 | 0.46 | -4.0% |
| Wholesale trade | 1,093 | $1,660 | 0.59 | -1.9% |
| Utilities | 965 | $3,896 | 5.05 | -0.5% |
| Educational services | 963 | $1,076 | 0.92 | +38.0% |
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 #
3 USGS reservoir gauges, no capacity figures to weight
Sites found: 3, 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 |
|---|---|---|
| Lake Arthur at Moraine State Park, PA | 1,190 ft (USGS, no capacity on file) | 36 km |
| Loyalhanna Creek Lake, PA | 3,652 Acre-ft (USGS, no capacity on file) | 80 km |
| Pymatuning Reservoir at Pymatuning Dam, PA | 1,008 ft (USGS, no capacity on file) | 91 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 #
114 gauges · 0 flooding · 27 with quality panels averaging 100 % · 20 stale
Sites found: 114, 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 |
|---|---|---|
| Ohio R ab Montgomery Dam & Locks at Ohioview, PA | stage 12.9 ft | 5 km |
| Ohio River at Montgomery Lock & Dam, Lower Pool | stage 13.3 ft · quality 100 % (4) · no flooding | 5 km |
| Fishpot Run near Shippingport, PA | flow 1.87 ft³/s · STALE | 5 km |
| Raccoon Creek at Moffatts Mill, PA | flow 104.0 ft³/s · no flooding | 6 km |
| Beaver River at Beaver Falls, PA | flow 1,470 ft³/s · no flooding | 9 km |
| Little Beaver Creek near East Liverpool OH | flow 201.0 ft³/s | 16 km |
| Connoquenessing Creek near Zelienople, PA | flow 93.9 ft³/s · quality 100 % (4) · no flooding | 17 km |
| Ohio River (lower pool) at Sewickley, PA | stage 13.6 ft | 19 km |
| Ohio River at East Liverpool | observation not current | 19 km |
| Ohio River at Sewickley, PA | flow 15,700 ft³/s · no flooding | 19 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 #
30 wells in 2 named aquifers: Sand and gravel aquifers (glaciated regions), Pennsylvanian aquifers
Sites found: 30, 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-403006080252301 | depth 8.00 ft · 2026-10-05 | 21 km |
| USGS-403734080063001 | depth 6.34 ft · 2026-10-05 | 21 km |
| Sand and gravel aquifers (glaciated regions) | depth 15.4 ft · 2026-07-12 | 23 km |
| USGS-402419080250301 | depth 42.4 ft · 1986-07-08 | 32 km |
| USGS-401849080194501 | depth 47.5 ft · 1985-10-24 | 41 km |
| USGS-401806080181001 | depth 90.5 ft · 1985-10-24 | 43 km |
| USGS-401744080185001 | depth 18.6 ft · 1985-10-24 | 43 km |
| USGS-410538080280801 | depth 17.1 ft · 2026-10-05 | 47 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 + 0.2×0.00 / 0.55
Banks & federal dollars #
$3.0 bn in deposits at 27 offices of 9 banks (SOD June 2026); HHI 1,944, highly concentrated. $1.3 bn federal obligations in FY2026 (direct payments $1.2 bn, contracts $91.2 m), $27,825 per covered job
| Item | Value | Distance |
|---|---|---|
| First National Bank of Pennsylvania | $763.4 m · 25.7% share · 5 offices | |
| The Huntington National Bank | $703.8 m · 23.7% share · 6 offices | |
| WesBanco Bank, Inc. | $507.1 m · 17.1% share · 6 offices | |
| Beaver, PA | $1.3 bn FY2026 · $27,825/job | |
| MULTIPLE RECIPIENTS | $1.2 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First National Bank of Pennsylvania | $763,446,000 | 25.7% | 5 |
| The Huntington National Bank | $703,803,000 | 23.7% | 6 |
| WesBanco Bank, Inc. | $507,088,000 | 17.1% | 6 |
| Citizens Bank, National Association | $492,910,000 | 16.6% | 3 |
| PNC Bank, National Association | $350,712,000 | 11.8% | 3 |
| Farmers Building and Savings Bank | $96,364,000 | 3.2% | 1 |
| First Commonwealth Bank | $25,588,000 | 0.9% | 1 |
| Brentwood Bank | $24,369,000 | 0.8% | 1 |
| Woodforest National Bank | $2,871,000 | 0.1% | 1 |
Deposit concentration is 1,944 across 9 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 25.7² + 23.7² + 17.1² + … (6 more) = 1,944
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 | $1,045,764,303 |
| Department of Veterans Affairs | $94,185,722 |
| Department of Defense | $90,026,904 |
| Department of Transportation | $31,557,573 |
| Department of Housing and Urban Development | $28,339,917 |
| Department of Health and Human Services | $25,304,852 |
| Railroad Retirement Board | $24,250,152 |
| Department of Education | $5,464,979 |
| Federal Communications Commission | $1,540,331 |
| Department of Agriculture | $546,693 |
| Department of Justice | $288,963 |
| Nuclear Regulatory Commission | $1,550 |
That is $27,825 per covered job, against 48,414 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.3 bn / 48,414 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $27,825
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 #
Beaver County, PA: 8 findings, 8 noted
noteBeaver County, PA's average weekly wage was 1.8% 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
- +1.8 % = 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
noteBeaver County, PA's covered employment was 1.4% 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
- +1.4 % = 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
noteBeaver County, PA's typical asking rent rose 0.5% from $1,077 in July 2026 to $1,082 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.5% = (1081.80011042098 - 1076.9331862019267) / 1076.9331862019267 × 100
- 1081.80011042098 = Zillow ZORI, 2026-08
- 1076.9331862019267 = Zillow ZORI, 2026-07
noteBeaver County, PA's covered employment of +1.4% ranks 1st of 8 counties in the Pittsburgh metro, against a median of +0.0%.
Period 2026 Q1.Show the arithmetic
- 100 on the 0-to-100 scale across 8 counties in the Pittsburgh metro that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
noteBeaver County, PA's momentum index of 0.36 ranks 1st of 8 counties in the Pittsburgh metro, against a median of 0.19.
Period 2026-08.Show the arithmetic
- 100 on the 0-to-100 scale across 8 counties in the Pittsburgh metro that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
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.