Cambria County, PA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.51, -78.71.
Assembled 2026-10-06. Read the brief.
- 4th pct · 2,916th of 3,063 US counties · median $234,566
- 3rd pct · 65th of 67 Pennsylvania counties · median $233,681
- counties in the Johnstown metro: Rank context is unavailable: the manifest lists 1 counties in the Johnstown metro; fewer than 5 is too few to rank.
- 43rd pct · 1,741st of 3,063 US counties · median +2.9%
- 30th pct · 47th of 67 Pennsylvania counties · median +3.4%
- counties in the Johnstown metro: Rank context is unavailable: the manifest lists 1 counties in the Johnstown metro; fewer than 5 is too few to rank.
- 4th pct · 1,337th of 1,399 US counties · median $1,496
- 8th pct · 44th of 48 Pennsylvania counties · median $1,349
- counties in the Johnstown metro: Rank context is unavailable: the manifest lists 1 counties in the Johnstown metro; fewer than 5 is too few to rank.
- 83rd pct · 546th of 3,221 US counties · median 8,232
- 59th pct · 28th of 67 Pennsylvania counties · median 27,809
- counties in the Johnstown metro: Rank context is unavailable: the manifest lists 1 counties in the Johnstown metro; fewer than 5 is too few to rank.
- 41st pct · 1,876th of 3,221 US counties · median $1,039
- 16th pct · 56th of 67 Pennsylvania counties · median $1,102
- counties in the Johnstown metro: Rank context is unavailable: the manifest lists 1 counties in the Johnstown metro; fewer than 5 is too few to rank.
- 5th pct · 2,890th of 3,063 US counties · median 4.3
- 6th pct · 63rd of 67 Pennsylvania counties · median 3.8
- counties in the Johnstown metro: Rank context is unavailable: the manifest lists 1 counties in the Johnstown 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 $112,455 (Aug 2026), +2.4% over one year, -11.6% over five
- 4th pct · 2,916th of 3,063 US counties · median $234,566
- 3rd pct · 65th of 67 Pennsylvania counties · median $233,681
- counties in the Johnstown metro: Rank context is unavailable: the manifest lists 1 counties in the Johnstown metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Cambria County, PA | $112,455 · +2.4% 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 $909/mo (Aug 2026), +3.6% over one year; price-to-rent 10.3
- 4th pct · 1,337th of 1,399 US counties · median $1,496
- 8th pct · 44th of 48 Pennsylvania counties · median $1,349
- counties in the Johnstown metro: Rank context is unavailable: the manifest lists 1 counties in the Johnstown metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Cambria County, PA | $909/mo · +3.6% 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 $616 a month on $112,455 at 7.28%, against an average weekly wage worth $4,342 a month: 14.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $112,455 × 80% = $89,964, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $616/mo principal and interest
- wage share = payment / (avg weekly wage $1,002 × 52 / 12 = $4,342) = 14% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $112,455 / ($1,002 × 52) = 2.2
- price-to-rent = $112,455 / ($909 × 12) = 10.3
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 #
46,084 jobs at 3,250 employers (2026 Q1); -1.8% jobs and +2.1% average weekly wage over the year
- 83rd pct · 546th of 3,221 US counties · median 8,232
- 59th pct · 28th of 67 Pennsylvania counties · median 27,809
- counties in the Johnstown metro: Rank context is unavailable: the manifest lists 1 counties in the Johnstown metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Cambria County, PA | 46,084 jobs · $1,002/wk · -1.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 9,676 | $1,108 | 1.40 | -2.5% |
| Retail trade | 5,590 | $645 | 1.24 | -3.9% |
| Manufacturing | 4,316 | $1,276 | 1.16 | +1.7% |
| Accommodation and food services | 3,896 | $338 | 0.94 | +0.6% |
| Other services | 2,074 | $635 | 1.51 | -1.8% |
| Transportation and warehousing | 1,928 | $971 | 0.99 | -6.9% |
| Professional and technical services | 1,842 | $1,464 | 0.58 | -7.2% |
| Educational services | 1,751 | $904 | 1.77 | +12.0% |
| Administrative and waste services | 1,667 | $814 | 0.64 | -8.5% |
| Construction | 1,400 | $1,258 | 0.58 | -6.3% |
| Finance and insurance | 1,323 | $1,532 | 0.70 | -1.3% |
| Wholesale trade | 1,118 | $1,223 | 0.63 | -5.3% |
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 #
$4.1 bn in deposits at 59 offices of 13 banks (SOD June 2026); HHI 1,579, moderately concentrated. $1.5 bn federal obligations in FY2026 (direct payments $1.1 bn, contracts $314.3 m), $32,347 per covered job
| Item | Value | Distance |
|---|---|---|
| 1st Summit Bank | $895.5 m · 22.1% share · 10 offices | |
| Ameriserv Financial Bank | $852.7 m · 21.0% share · 8 offices | |
| First National Bank of Pennsylvania | $839.4 m · 20.7% share · 10 offices | |
| Cambria, PA | $1.5 bn FY2026 · $32,347/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| 1st Summit Bank | $895,470,000 | 22.1% | 10 |
| Ameriserv Financial Bank | $852,723,000 | 21.0% | 8 |
| First National Bank of Pennsylvania | $839,390,000 | 20.7% | 10 |
| First Commonwealth Bank | $430,087,000 | 10.6% | 7 |
| Somerset Trust Company | $267,231,000 | 6.6% | 5 |
| S&T Bank | $227,129,000 | 5.6% | 4 |
| PennCrest Bank | $122,684,000 | 3.0% | 4 |
| Slovenian Savings and Loan Association of Franklin-Conemaugh | $121,410,000 | 3.0% | 4 |
| Northwest Bank | $113,149,000 | 2.8% | 2 |
| CNB Bank | $77,053,000 | 1.9% | 1 |
Deposit concentration is 1,579 across 13 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 13 banks with deposits in the county = 22.1² + 21.0² + 20.7² + … (10 more) = 1,579
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 #
That is $32,347 per covered job, against 46,084 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.5 bn / 46,084 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $32,347
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 #
Cambria County, PA: 14 findings, 1 at a watch level and 13 noted
watchCambria County, PA's covered employment is -1.8% 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 = -1.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteCambria County, PA's average weekly wage 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
noteCambria County, PA's covered employment was 1.8% 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
- -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
noteCambria County, PA's typical asking rent rose 0.5% from $905 in July 2026 to $909 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.5% = (909.3386243386244 - 905.1028680535251) / 905.1028680535251 × 100
- 909.3386243386244 = Zillow ZORI, 2026-08
- 905.1028680535251 = Zillow ZORI, 2026-07
noteCambria County, PA's price-to-rent ratio of 10.3 ranks 48th of 48 Pennsylvania counties, against a median of 16.6.
Period 2026-08.Show the arithmetic
- 0 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
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.