Cumberland County, PA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.16, -77.26.
Assembled 2026-10-06. Read the brief.
- 79th pct · 644th of 3,063 US counties · median $234,566
- 87th pct · 9th of 67 Pennsylvania counties · median $233,681
- counties in the Harrisburg-Carlisle metro: Rank context is unavailable: the manifest lists 3 counties in the Harrisburg-Carlisle metro; fewer than 5 is too few to rank.
- 44th pct · 1,693rd of 3,063 US counties · median +2.9%
- 33rd pct · 45th of 67 Pennsylvania counties · median +3.4%
- counties in the Harrisburg-Carlisle metro: Rank context is unavailable: the manifest lists 3 counties in the Harrisburg-Carlisle metro; fewer than 5 is too few to rank.
- 60th pct · 552nd of 1,399 US counties · median $1,496
- 76th pct · 12th of 48 Pennsylvania counties · median $1,349
- counties in the Harrisburg-Carlisle metro: Rank context is unavailable: the manifest lists 3 counties in the Harrisburg-Carlisle metro; fewer than 5 is too few to rank.
- 92nd pct · 232nd of 3,221 US counties · median 8,232
- 81st pct · 13th of 67 Pennsylvania counties · median 27,809
- counties in the Harrisburg-Carlisle metro: Rank context is unavailable: the manifest lists 3 counties in the Harrisburg-Carlisle metro; fewer than 5 is too few to rank.
- 86th pct · 420th of 3,221 US counties · median $1,039
- 83rd pct · 12th of 67 Pennsylvania counties · median $1,102
- counties in the Harrisburg-Carlisle metro: Rank context is unavailable: the manifest lists 3 counties in the Harrisburg-Carlisle metro; fewer than 5 is too few to rank.
- 65th pct · 1,070th of 3,063 US counties · median 4.3
- 80th pct · 14th of 67 Pennsylvania counties · median 3.8
- counties in the Harrisburg-Carlisle metro: Rank context is unavailable: the manifest lists 3 counties in the Harrisburg-Carlisle 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 $349,313 (Aug 2026), +2.5% over one year, +30.7% over five
- 79th pct · 644th of 3,063 US counties · median $234,566
- 87th pct · 9th of 67 Pennsylvania counties · median $233,681
- counties in the Harrisburg-Carlisle metro: Rank context is unavailable: the manifest lists 3 counties in the Harrisburg-Carlisle metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Cumberland County, PA | $349,313 · +2.5% 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 $1,622/mo (Aug 2026), +3.6% over one year; price-to-rent 17.9
- 60th pct · 552nd of 1,399 US counties · median $1,496
- 76th pct · 12th of 48 Pennsylvania counties · median $1,349
- counties in the Harrisburg-Carlisle metro: Rank context is unavailable: the manifest lists 3 counties in the Harrisburg-Carlisle metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Cumberland County, PA | $1,622/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 $1,912 a month on $349,313 at 7.28%, against an average weekly wage worth $5,789 a month: 33.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $349,313 × 80% = $279,450, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,912/mo principal and interest
- wage share = payment / (avg weekly wage $1,336 × 52 / 12 = $5,789) = 33% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $349,313 / ($1,336 × 52) = 5.0
- price-to-rent = $349,313 / ($1,622 × 12) = 17.9
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 #
137,827 jobs at 7,195 employers (2026 Q1); +1.0% jobs and +2.5% average weekly wage over the year
- 92nd pct · 232nd of 3,221 US counties · median 8,232
- 81st pct · 13th of 67 Pennsylvania counties · median 27,809
- counties in the Harrisburg-Carlisle metro: Rank context is unavailable: the manifest lists 3 counties in the Harrisburg-Carlisle metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Cumberland County, PA | 137,827 jobs · $1,336/wk · +1.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 22,189 | $1,312 | 1.07 | +4.0% |
| Transportation and warehousing | 18,602 | $1,200 | 3.20 | -2.0% |
| Retail trade | 15,785 | $750 | 1.18 | +0.8% |
| Accommodation and food services | 10,291 | $463 | 0.83 | +2.1% |
| Professional and technical services | 8,864 | $2,077 | 0.93 | +0.1% |
| Manufacturing | 8,750 | $1,552 | 0.79 | -2.1% |
| Finance and insurance | 6,257 | $2,448 | 1.11 | -4.3% |
| Administrative and waste services | 5,865 | $822 | 0.75 | +3.9% |
| Management of companies | 5,289 | $2,638 | 2.29 | +17.0% |
| Other services | 5,043 | $903 | 1.22 | +1.6% |
| Construction | 4,698 | $1,536 | 0.65 | -5.6% |
| Wholesale trade | 3,522 | $1,745 | 0.67 | +2.8% |
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 #
6 USGS reservoir gauges, no capacity figures to weight
Sites found: 6, 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) | 51 km |
| Raystown Lake near Huntingdon, PA | 786.3 ft (USGS, no capacity on file) | 70 km |
| Foster Joseph Sayers Lake near Blanchard, PA | 630.0 ft (USGS, no capacity on file) | 102 km |
| Blue Marsh Lake near Bernville, PA | 290.1 ft (USGS, no capacity on file) | 107 km |
| Curwensville Lake near Curwensville, PA | 1,162 ft (USGS, no capacity on file) | 138 km |
| Kettle Cr Lake at Kettle Cr Dam near Westport, PA | 842.4 ft (USGS, no capacity on file) | 144 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 #
79 gauges · 0 flooding · 18 with quality panels averaging 99 % · 29 stale
Sites found: 79, 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 |
|---|---|---|
| Alexander Spring Creek near Plainfield, PA | flow 2.40 ft³/s · STALE | 0 km |
| Unnamed Trib to Mount Rock Spring near Mt Rock, PA | flow 1.60 ft³/s · STALE | 4 km |
| Mount Rock Spring Creek at Mount Rock, PA | flow 0.13 ft³/s · STALE | 4 km |
| Letort Spring Run near Carlisle, PA | flow 32.0 ft³/s · STALE | 13 km |
| Mountain Creek near Pine Grove Furnace, PA | flow 2.29 ft³/s | 15 km |
| Sherman Creek at Shermans Dale, PA | flow 44.6 ft³/s | 19 km |
| Bermudian Creek at Oxford Road nr Heidlersburg, PA | flow 1.72 ft³/s | 23 km |
| Conodoguinet Creek near Hogestown, PA | flow 166.0 ft³/s | 23 km |
| Unnamed Trib to Trindle Sp Run, Site 3, nr Mechbrg | flow 0.00 ft³/s · STALE | 24 km |
| Unnamed Trib to Trindle Sp Run, Site 2, nr Mechbrg | flow 0.00 ft³/s · STALE | 24 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 #
46 wells in 0 named aquifers:
Sites found: 46, 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-400828077214801 | depth 115.4 ft · 1993-04-14 | 9 km |
| USGS-400209077183301 | depth 29.3 ft · 2026-10-05 | 15 km |
| USGS-400122077282801 | depth 135.4 ft · 2004-05-04 | 24 km |
| USGS-401319076580601 | depth 17.4 ft · 1977-06-01 | 26 km |
| USGS-395846077040601 | depth 12.6 ft · 2026-10-05 | 26 km |
| USGS-402339077074502 | depth 8.58 ft · 1995-04-15 | 28 km |
| USGS-402339077074501 | depth 0.83 ft · 1975-07-07 | 28 km |
| USGS-402735077100901 | depth 13.0 ft · 2026-10-05 | 34 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 #
$11.2 bn in deposits at 60 offices of 20 banks (SOD June 2026); HHI 1,718, moderately concentrated. $102.3 bn federal obligations in FY2026 (direct payments $100.9 bn, contracts $851.4 m), $742,426 per covered job
| Item | Value | Distance |
|---|---|---|
| PNC Bank, National Association | $4.0 bn · 36.0% share · 3 offices | |
| Manufacturers and Traders Trust Company | $1.5 bn · 13.2% share · 10 offices | |
| Orrstown Bank | $1.1 bn · 9.5% share · 5 offices | |
| Cumberland, PA | $102.3 bn FY2026 · $742,426/job | |
| MULTIPLE RECIPIENTS | $100.9 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| PNC Bank, National Association | $4,018,413,000 | 36.0% | 3 |
| Manufacturers and Traders Trust Company | $1,467,441,000 | 13.2% | 10 |
| Orrstown Bank | $1,060,069,000 | 9.5% | 5 |
| First National Bank of Pennsylvania | $678,256,000 | 6.1% | 4 |
| Atlantic Community Bankers Bank | $566,227,000 | 5.1% | 1 |
| Mid Penn Bank | $514,682,000 | 4.6% | 4 |
| Farmers and Merchants Trust Company of Chambersburg | $442,109,000 | 4.0% | 8 |
| Wells Fargo Bank, National Association | $406,684,000 | 3.6% | 3 |
| Santander Bank, N.A. | $372,671,000 | 3.3% | 4 |
| Fulton Bank, National Association | $341,276,000 | 3.1% | 1 |
Deposit concentration is 1,718 across 20 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 20 banks with deposits in the county = 36.0² + 13.2² + 9.5² + … (17 more) = 1,718
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 |
|---|---|
| Department of Health and Human Services | $99,471,505,307 |
| Social Security Administration | $1,403,155,736 |
| Department of Defense | $599,271,039 |
| Department of Transportation | $531,806,507 |
| Department of Veterans Affairs | $182,279,838 |
| Department of Agriculture | $45,487,678 |
| General Services Administration | $33,196,684 |
| Department of Education | $23,203,429 |
| Department of Housing and Urban Development | $19,635,979 |
| Railroad Retirement Board | $14,634,470 |
| Federal Communications Commission | $1,979,377 |
| Environmental Protection Agency | $500,000 |
That is $742,426 per covered job, against 137,827 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $102.3 bn / 137,827 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $742,426
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 #
Cumberland County, PA: 5 findings, 5 noted
noteCumberland County, PA'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
noteCumberland County, PA's covered employment 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
noteCumberland County, PA's covered employment of 137,827 ranks 232nd of 3,221 US counties, against a median of 8,232.
Period 2026 Q1.Show the arithmetic
- 93 on the 0-to-100 scale across 3221 US counties that published jobs.emp
position among the entities that published this metric this period; not an official level
noteThe next Zillow ZHVI typical home value (monthly) covering Cumberland County, PA 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
noteThe next Zillow ZORI typical rent (monthly) covering Cumberland County, PA 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.