Jefferson County, PA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.14, -79.01.
Assembled 2026-10-06. Read the brief.
- 7th pct · 2,843rd of 3,063 US counties · median $234,566
- 4th pct · 64th of 67 Pennsylvania counties · median $233,681
- 27th pct · 2,220th of 3,063 US counties · median +2.9%
- 19th pct · 54th of 67 Pennsylvania counties · median +3.4%
- US counties: not published this period
- Pennsylvania counties: not published this period
- 62nd pct · 1,198th of 3,221 US counties · median 8,232
- 27th pct · 49th of 67 Pennsylvania counties · median 27,809
- 39th pct · 1,930th of 3,221 US counties · median $1,039
- 14th pct · 57th of 67 Pennsylvania counties · median $1,102
- 8th pct · 2,800th of 3,063 US counties · median 4.3
- 7th pct · 62nd of 67 Pennsylvania counties · median 3.8
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 $122,710 (Aug 2026), +0.8% over one year, -1.1% over five
- 7th pct · 2,843rd of 3,063 US counties · median $234,566
- 4th pct · 64th of 67 Pennsylvania counties · median $233,681
| Item | Value | Distance |
|---|---|---|
| Jefferson County, PA | $122,710 · +0.8% 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 #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- Pennsylvania counties: not published this period
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 $672 a month on $122,710 at 7.28%, against an average weekly wage worth $4,312 a month: 15.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $122,710 × 80% = $98,168, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $672/mo principal and interest
- wage share = payment / (avg weekly wage $995 × 52 / 12 = $4,312) = 16% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $122,710 / ($995 × 52) = 2.4
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 #
13,896 jobs at 1,166 employers (2026 Q1); -0.8% jobs and +3.3% average weekly wage over the year
- 62nd pct · 1,198th of 3,221 US counties · median 8,232
- 27th pct · 49th of 67 Pennsylvania counties · median 27,809
| Item | Value | Distance |
|---|---|---|
| Jefferson County, PA | 13,896 jobs · $995/wk · -0.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 3,564 | $1,147 | 3.19 | -0.4% |
| Health care and social assistance | 2,108 | $905 | 1.01 | -1.3% |
| Retail trade | 1,455 | $658 | 1.07 | -4.7% |
| Other services | 531 | $592 | 1.28 | -9.1% |
| Construction | 523 | $1,054 | 0.72 | +8.5% |
| Transportation and warehousing | 518 | $1,065 | 0.88 | -0.8% |
| Administrative and waste services | 487 | $1,012 | 0.62 | +3.4% |
| Mining, oil and gas | 347 | $2,553 | 7.01 | -6.0% |
| Agriculture, forestry, fishing | 345 | $1,305 | 3.44 | +15.0% |
| Professional and technical services | 263 | $1,194 | 0.27 | -2.6% |
| Finance and insurance | 225 | $1,285 | 0.40 | -0.4% |
| Management of companies | 210 | $1,297 | 0.90 | -3.7% |
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 #
8 USGS reservoir gauges, no capacity figures to weight
Sites found: 8, 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 |
|---|---|---|
| Curwensville Lake near Curwensville, PA | 1,162 ft (USGS, no capacity on file) | 46 km |
| Loyalhanna Creek Lake, PA | 3,652 Acre-ft (USGS, no capacity on file) | 84 km |
| First Fork Sinnemahoning Creek Reservoir | 922.1 ft (USGS, no capacity on file) | 88 km |
| Kettle Cr Lake at Kettle Cr Dam near Westport, PA | 842.4 ft (USGS, no capacity on file) | 94 km |
| Lake Arthur at Moraine State Park, PA | 1,190 ft (USGS, no capacity on file) | 95 km |
| Raystown Lake near Huntingdon, PA | 786.3 ft (USGS, no capacity on file) | 115 km |
| Foster Joseph Sayers Lake near Blanchard, PA | 630.0 ft (USGS, no capacity on file) | 118 km |
| Pymatuning Reservoir at Pymatuning Dam, PA | 1,008 ft (USGS, no capacity on file) | 128 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 #
52 gauges · 0 flooding · 17 with quality panels averaging 100 % · 9 stale
Sites found: 52, 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 |
|---|---|---|
| Redbank Creek at Brookville, PA | flow 189.0 ft³/s | 6 km |
| Stump Creek at Sykesville, PA | stage 2.36 ft · STALE | 19 km |
| Sandy Lick Creek at Dubois, PA | stage 2.04 ft | 21 km |
| Mahoning Creek at Punxsutawney, PA | flow 111.0 ft³/s · quality 100 % (4) | 22 km |
| Mahoning Creek at Big Run, PA | stage 2.48 ft · STALE | 22 km |
| Clarion River at Cooksburg, PA | flow 536.0 ft³/s | 27 km |
| Mahoning Creek at Mahoning Creek Dam, PA | flow 207.0 ft³/s · quality 100 % (4) | 33 km |
| Little Mahoning Creek at McCormick, PA | flow 48.6 ft³/s · quality 100 % (1) | 35 km |
| Redbank Creek at St. Charles, PA | flow 332.0 ft³/s | 36 km |
| Clarion River near Piney, PA | flow 675.0 ft³/s | 36 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 #
42 wells in 0 named aquifers:
Sites found: 42, 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-410650078575801 | depth 27.9 ft · 1995-05-09 | 5 km |
| USGS-411734078522101 | depth 29.7 ft · 2026-10-05 | 21 km |
| USGS-411119079161601 | depth 69.2 ft · 1977-02-22 | 22 km |
| USGS-412020079133901 | depth 31.1 ft · 2026-10-05 | 28 km |
| USGS-411939079154801 | depth 22.6 ft · 1978-08-31 | 30 km |
| USGS-405320078483901 | depth 30.4 ft · 2026-10-05 | 32 km |
| USGS-410950079253011 | depth 17.5 ft · 1984-12-10 | 35 km |
| USGS-410951079253011 | depth 29.3 ft · 1984-03-26 | 35 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 #
$1.1 bn in deposits at 17 offices of 6 banks (SOD June 2026); HHI 3,473, highly concentrated. $381.0 m federal obligations in FY2026 (direct payments $294.4 m, grants $79.8 m), $27,421 per covered job
| Item | Value | Distance |
|---|---|---|
| S&T Bank | $586.1 m · 53.9% share · 6 offices | |
| First Commonwealth Bank | $213.3 m · 19.6% share · 3 offices | |
| Marion Center Bank | $84.0 m · 7.7% share · 2 offices | |
| Jefferson, PA | $381.0 m FY2026 · $27,421/job | |
| MULTIPLE RECIPIENTS | $286.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| S&T Bank | $586,090,000 | 53.9% | 6 |
| First Commonwealth Bank | $213,324,000 | 19.6% | 3 |
| Marion Center Bank | $83,991,000 | 7.7% | 2 |
| InFirst Bank | $82,639,000 | 7.6% | 2 |
| The Farmers National Bank of Canfield | $80,201,000 | 7.4% | 3 |
| CNB Bank | $41,669,000 | 3.8% | 1 |
Deposit concentration is 3,473 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 53.9² + 19.6² + 7.7² + … (3 more) = 3,473
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 | $257,632,444 |
| Department of Transportation | $78,317,736 |
| Department of Veterans Affairs | $24,411,691 |
| Department of Homeland Security | $5,970,988 |
| Department of Housing and Urban Development | $4,536,822 |
| Railroad Retirement Board | $4,523,522 |
| Department of Health and Human Services | $4,515,687 |
| Department of Agriculture | $909,406 |
| Department of Defense | $75,869 |
| Department of Education | $65,341 |
| Federal Communications Commission | $48,092 |
| Department of Justice | $27,100 |
That is $27,421 per covered job, against 13,896 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $381.0 m / 13,896 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $27,421
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 #
Jefferson County, PA: 10 findings, 2 at a watch level and 8 noted
watchJefferson County, PA's covered employment is -0.8% 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 = -0.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchJefferson County, PA's covered employment of 13,896 scores 63 on the 0-to-100 scale across US counties but 27 across Pennsylvania counties, a gap of 36 points.
Period 2026 Q1.Show the arithmetic
- 36 = |63 across US counties - 27 across Pennsylvania counties|
position among the entities that published this metric this period; not an official level
noteJefferson County, PA's average weekly wage was 3.3% 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
- +3.3 % = 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
noteJefferson County, PA's covered employment was 0.8% 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
- -0.8 % = 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
noteJefferson County, PA's typical home value fell 0.5% from $123,322 in July 2026 to $122,710 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.5% = (122709.6098701009 - 123321.59934964) / 123321.59934964 × 100
- 122709.6098701009 = Zillow ZHVI, 2026-08
- 123321.59934964 = Zillow ZHVI, 2026-07
Read all 10 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.