Franklin County, PA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.93, -77.72.
Assembled 2026-10-06. Read the brief.
- 67th pct · 1,001st of 3,063 US counties · median $234,566
- 71st pct · 20th of 67 Pennsylvania counties · median $233,681
- counties in the Chambersburg metro: Rank context is unavailable: the manifest lists 1 counties in the Chambersburg metro; fewer than 5 is too few to rank.
- 40th pct · 1,820th of 3,063 US counties · median +2.9%
- 27th pct · 49th of 67 Pennsylvania counties · median +3.4%
- counties in the Chambersburg metro: Rank context is unavailable: the manifest lists 1 counties in the Chambersburg metro; fewer than 5 is too few to rank.
- 35th pct · 904th of 1,399 US counties · median $1,496
- 46th pct · 26th of 48 Pennsylvania counties · median $1,349
- counties in the Chambersburg metro: Rank context is unavailable: the manifest lists 1 counties in the Chambersburg metro; fewer than 5 is too few to rank.
- 86th pct · 443rd of 3,221 US counties · median 8,232
- 69th pct · 21st of 67 Pennsylvania counties · median 27,809
- counties in the Chambersburg metro: Rank context is unavailable: the manifest lists 1 counties in the Chambersburg metro; fewer than 5 is too few to rank.
- 70th pct · 942nd of 3,221 US counties · median $1,039
- 62nd pct · 26th of 67 Pennsylvania counties · median $1,102
- counties in the Chambersburg metro: Rank context is unavailable: the manifest lists 1 counties in the Chambersburg metro; fewer than 5 is too few to rank.
- 61st pct · 1,180th of 3,063 US counties · median 4.3
- 75th pct · 17th of 67 Pennsylvania counties · median 3.8
- counties in the Chambersburg metro: Rank context is unavailable: the manifest lists 1 counties in the Chambersburg 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 $290,638 (Aug 2026), +2.1% over one year, +22.4% over five
- 67th pct · 1,001st of 3,063 US counties · median $234,566
- 71st pct · 20th of 67 Pennsylvania counties · median $233,681
- counties in the Chambersburg metro: Rank context is unavailable: the manifest lists 1 counties in the Chambersburg metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Franklin County, PA | $290,638 · +2.1% 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 $1,346/mo (Aug 2026), +2.0% over one year; price-to-rent 18.0
- 35th pct · 904th of 1,399 US counties · median $1,496
- 46th pct · 26th of 48 Pennsylvania counties · median $1,349
- counties in the Chambersburg metro: Rank context is unavailable: the manifest lists 1 counties in the Chambersburg metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Franklin County, PA | $1,346/mo · +2.0% 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 $1,591 a month on $290,638 at 7.28%, against an average weekly wage worth $5,001 a month: 31.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $290,638 × 80% = $232,510, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,591/mo principal and interest
- wage share = payment / (avg weekly wage $1,154 × 52 / 12 = $5,001) = 32% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $290,638 / ($1,154 × 52) = 4.8
- price-to-rent = $290,638 / ($1,346 × 12) = 18.0
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 #
60,847 jobs at 3,571 employers (2026 Q1); -0.4% jobs and +7.5% average weekly wage over the year
- 86th pct · 443rd of 3,221 US counties · median 8,232
- 69th pct · 21st of 67 Pennsylvania counties · median 27,809
- counties in the Chambersburg metro: Rank context is unavailable: the manifest lists 1 counties in the Chambersburg metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Franklin County, PA | 60,847 jobs · $1,154/wk · -0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Transportation and warehousing | 9,393 | $1,132 | 3.66 | +4.4% |
| Health care and social assistance | 8,576 | $1,173 | 0.94 | +1.3% |
| Manufacturing | 8,366 | $1,420 | 1.71 | -2.2% |
| Retail trade | 7,279 | $991 | 1.23 | +0.8% |
| Accommodation and food services | 4,385 | $393 | 0.80 | -1.0% |
| Construction | 2,403 | $1,235 | 0.75 | +1.7% |
| Administrative and waste services | 2,321 | $851 | 0.67 | -15.3% |
| Other services | 2,045 | $627 | 1.12 | -1.6% |
| Professional and technical services | 1,903 | $1,442 | 0.45 | -2.8% |
| Finance and insurance | 1,097 | $2,196 | 0.44 | +0.1% |
| Educational services | 768 | $931 | 0.59 | -0.4% |
| Arts, entertainment and recreation | 624 | $423 | 0.62 | -24.1% |
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 #
7 USGS reservoir gauges, no capacity figures to weight
Sites found: 7, 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 |
|---|---|---|
| Raystown Lake near Huntingdon, PA | 786.3 ft (USGS, no capacity on file) | 61 km |
| Indian Rock Dam near York, PA | 372.2 ft (USGS, no capacity on file) | 83 km |
| Foster Joseph Sayers Lake near Blanchard, PA | 630.0 ft (USGS, no capacity on file) | 125 km |
| SAVAGE RIVER RESERVOIR NEAR BLOOMINGTON, MD | 1,442 ft (USGS, no capacity on file) | 129 km |
| JENNINGS RANDOLPH LAKE NEAR ELK GARDEN, WV | 1,446 ft (USGS, no capacity on file) | 132 km |
| Curwensville Lake near Curwensville, PA | 1,162 ft (USGS, no capacity on file) | 133 km |
| USGS-03075871 | 2,459 ft (USGS, no capacity on file) | 142 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 #
80 gauges · 0 flooding · 17 with quality panels averaging 99 % · 30 stale
Sites found: 80, 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 |
|---|---|---|
| Dennis Creek near Chambersburg, PA | flow 2.80 ft³/s · STALE | 3 km |
| CONOCOCHEAGUE CREEK AT FAIRVIEW, MD | flow 123.0 ft³/s | 25 km |
| ANTIETAM CREEK NEAR WAYNESBORO, PA | flow 26.5 ft³/s | 25 km |
| Tonoloway Creek near Needmore, PA | flow 0.46 ft³/s | 35 km |
| Aughwick Creek near Three Springs, PA | flow 32.2 ft³/s | 36 km |
| Mountain Creek near Pine Grove Furnace, PA | flow 2.29 ft³/s | 37 km |
| ALB. POWELL FISH HATCHERY SP. AT BEAVER CREEK, MD | flow 6.20 ft³/s · STALE | 38 km |
| LICKING CREEK AT PECTONVILLE, MD | flow 22.4 ft³/s | 39 km |
| HUNTING CREEK TRIBUTARY NEAR FOXVILLE, MD | flow 0.79 ft³/s · STALE | 40 km |
| BIG HUNTING CREEK NEAR THURMONT, MD | temp 18.1 °C · quality 100 % (1) · STALE | 40 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-395532077444101 | depth 20.9 ft · 1978-11-16 | 2 km |
| USGS-395519077463401 | depth 12.5 ft · 1978-11-16 | 4 km |
| USGS-395830077441201 | depth 21.5 ft · 1978-11-16 | 5 km |
| USGS-395958077393301 | depth 49.3 ft · 1980-10-24 | 10 km |
| USGS-400058077425501 | depth 20.6 ft · 1978-11-20 | 10 km |
| USGS-395322077365301 | depth 81.2 ft · 2026-10-05 | 10 km |
| USGS-394731077411701 | depth 22.8 ft · 2001-08-29 | 15 km |
| USGS-394726077410301 | depth 4.29 ft · 1978-03-23 | 16 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 #
$3.5 bn in deposits at 38 offices of 9 banks (SOD June 2026); HHI 2,462, highly concentrated. $1.3 bn federal obligations in FY2026 (direct payments $963.5 m, contracts $309.5 m), $21,706 per covered job
| Item | Value | Distance |
|---|---|---|
| Farmers and Merchants Trust Company of Chambersburg | $1.2 bn · 33.9% share · 12 offices | |
| Truist Bank | $924.7 m · 26.4% share · 4 offices | |
| Orrstown Bank | $652.4 m · 18.6% share · 5 offices | |
| Franklin, PA | $1.3 bn FY2026 · $21,706/job | |
| MULTIPLE RECIPIENTS | $948.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Farmers and Merchants Trust Company of Chambersburg | $1,187,464,000 | 33.9% | 12 |
| Truist Bank | $924,692,000 | 26.4% | 4 |
| Orrstown Bank | $652,378,000 | 18.6% | 5 |
| Manufacturers and Traders Trust Company | $564,420,000 | 16.1% | 12 |
| Middletown Valley Bank | $52,608,000 | 1.5% | 1 |
| The Juniata Valley Bank | $48,796,000 | 1.4% | 1 |
| Community State Bank of Orbisonia | $35,939,000 | 1.0% | 1 |
| ACNB Bank | $32,246,000 | 0.9% | 1 |
| Woodforest National Bank | $1,922,000 | 0.1% | 1 |
Deposit concentration is 2,462 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 = 33.9² + 26.4² + 18.6² + … (6 more) = 2,462
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 | $856,165,938 |
| Department of Defense | $306,893,502 |
| Department of Veterans Affairs | $90,494,751 |
| Department of Transportation | $34,037,788 |
| Department of Health and Human Services | $9,753,935 |
| Department of Agriculture | $8,702,820 |
| Department of Housing and Urban Development | $6,929,079 |
| Department of Education | $3,132,442 |
| Railroad Retirement Board | $1,942,449 |
| Department of Homeland Security | $1,524,188 |
| Department of the Interior | $526,411 |
| Federal Communications Commission | $467,963 |
That is $21,706 per covered job, against 60,847 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.3 bn / 60,847 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,706
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 #
Franklin County, PA: 5 findings, 1 at a watch level and 4 noted
watchFranklin County, PA's covered employment is -0.4% 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 = -0.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteFranklin County, PA's average weekly wage was 7.5% 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
- +7.5 % = 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
noteFranklin County, PA's covered employment was 0.4% 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
- -0.4 % = 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
noteThe next Zillow ZHVI typical home value (monthly) covering Franklin 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 Franklin 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.