Lawrence County, PA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.99, -80.33.
Assembled 2026-10-07. Read the brief.
- 21st pct · 2,402nd of 3,063 US counties · median $234,566
- 21st pct · 53rd of 67 Pennsylvania counties · median $233,681
- 28th pct · 6th of 8 counties in the Pittsburgh metro · median $212,590
- 58th pct · 1,257th of 3,063 US counties · median +2.9%
- 62nd pct · 26th of 67 Pennsylvania counties · median +3.4%
- 100th pct · 1st of 8 counties in the Pittsburgh metro · median -0.2%
- 6th pct · 1,310th of 1,399 US counties · median $1,496
- 17th pct · 40th of 48 Pennsylvania counties · median $1,349
- 16th pct · 6th of 7 counties in the Pittsburgh metro · median $1,082
- 76th pct · 769th of 3,221 US counties · median 8,232
- 48th pct · 35th of 67 Pennsylvania counties · median 27,809
- 14th pct · 7th of 8 counties in the Pittsburgh metro · median 68,448
- 56th pct · 1,402nd of 3,221 US counties · median $1,039
- 37th pct · 42nd of 67 Pennsylvania counties · median $1,102
- 28th pct · 6th of 8 counties in the Pittsburgh metro · median $1,211
- 19th pct · 2,475th of 3,063 US counties · median 4.3
- 25th pct · 50th of 67 Pennsylvania counties · median 3.8
- 42nd pct · 5th 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 $165,003 (Aug 2026), +3.8% over one year, +24.3% over five
- 21st pct · 2,402nd of 3,063 US counties · median $234,566
- 21st pct · 53rd of 67 Pennsylvania counties · median $233,681
- 28th pct · 6th of 8 counties in the Pittsburgh metro · median $212,590
| Item | Value | Distance |
|---|---|---|
| Lawrence County, PA | $165,003 · +3.8% 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 #
Typical rent $961/mo (Aug 2026), +6.3% over one year; price-to-rent 14.3
- 6th pct · 1,310th of 1,399 US counties · median $1,496
- 17th pct · 40th of 48 Pennsylvania counties · median $1,349
- 16th pct · 6th of 7 counties in the Pittsburgh metro · median $1,082
| Item | Value | Distance |
|---|---|---|
| Lawrence County, PA | $961/mo · +6.3% 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 $903 a month on $165,003 at 7.28%, against an average weekly wage worth $4,632 a month: 19.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $165,003 × 80% = $132,002, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $903/mo principal and interest
- wage share = payment / (avg weekly wage $1,069 × 52 / 12 = $4,632) = 19% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $165,003 / ($1,069 × 52) = 3.0
- price-to-rent = $165,003 / ($961 × 12) = 14.3
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 #
26,709 jobs at 1,982 employers (2026 Q1); 0.0% jobs and +2.3% average weekly wage over the year
- 76th pct · 769th of 3,221 US counties · median 8,232
- 48th pct · 35th of 67 Pennsylvania counties · median 27,809
- 14th pct · 7th of 8 counties in the Pittsburgh metro · median 68,448
| Item | Value | Distance |
|---|---|---|
| Lawrence County, PA | 26,709 jobs · $1,069/wk · 0.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 6,125 | $1,011 | 1.52 | +3.7% |
| Manufacturing | 3,217 | $1,415 | 1.50 | -1.5% |
| Retail trade | 3,084 | $679 | 1.18 | +1.0% |
| Accommodation and food services | 2,416 | $361 | 1.01 | +0.5% |
| Construction | 1,657 | $1,496 | 1.18 | +5.7% |
| Administrative and waste services | 1,042 | $814 | 0.69 | -3.2% |
| Other services | 910 | $811 | 1.14 | +1.3% |
| Finance and insurance | 834 | $2,087 | 0.77 | -3.1% |
| Professional and technical services | 824 | $1,127 | 0.45 | +0.2% |
| Wholesale trade | 747 | $1,282 | 0.73 | -0.8% |
| Educational services | 592 | $850 | 1.03 | -0.3% |
| Transportation and warehousing | 590 | $983 | 0.52 | -14.5% |
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.
Water #
Banks & federal dollars #
$2.1 bn in deposits at 20 offices of 7 banks (SOD June 2026); HHI 2,200, highly concentrated. $33.9 m federal obligations in FY2026 (grants $32.9 m, contracts $989,528), $1,270 per covered job
| Item | Value | Distance |
|---|---|---|
| First National Bank of Pennsylvania | $688.0 m · 32.2% share · 4 offices | |
| The Huntington National Bank | $531.5 m · 24.8% share · 5 offices | |
| PNC Bank, National Association | $311.6 m · 14.6% share · 3 offices | |
| Lawrence, PA | $33.9 m FY2026 · $1,270/job | |
| MULTIPLE RECIPIENTS | $577.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First National Bank of Pennsylvania | $688,015,000 | 32.2% | 4 |
| The Huntington National Bank | $531,511,000 | 24.8% | 5 |
| PNC Bank, National Association | $311,555,000 | 14.6% | 3 |
| WesBanco Bank, Inc. | $289,965,000 | 13.6% | 3 |
| First Commonwealth Bank | $261,849,000 | 12.2% | 3 |
| Greenville Savings Bank | $35,052,000 | 1.6% | 1 |
| Citizens Bank, National Association | $21,617,000 | 1.0% | 1 |
Deposit concentration is 2,200 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 32.2² + 24.8² + 14.6² + … (4 more) = 2,200
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 | $520,957,768 |
| Department of Veterans Affairs | $48,526,334 |
| Department of Housing and Urban Development | $18,488,441 |
| Department of Transportation | $14,886,994 |
| Railroad Retirement Board | $7,911,083 |
| Department of Education | $7,403,120 |
| Department of Health and Human Services | $4,734,324 |
| Department of Defense | $934,111 |
| Department of Agriculture | $722,315 |
| Federal Communications Commission | $547,047 |
| Department of Justice | $524,144 |
| Environmental Protection Agency | $15,000 |
That is $1,270 per covered job, against 26,709 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $33.9 m / 26,709 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $1,270
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 | 3.00 | 2026-10-06 | -50.0% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| 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 | -105,572.00 | 2026-08-01 | -13.7% |
| 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 #
Lawrence County, PA: 8 findings, 1 at a watch level and 7 noted
watchLawrence County, PA's typical asking rent is -1.2% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-08.Show the arithmetic
- test: rent.momPct = -1.2239903503638536 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level
noteLawrence County, PA's average weekly wage was 2.3% 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
- +2.3 % = 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
noteLawrence County, PA's typical asking rent fell 1.2% from $973 in July 2026 to $961 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -1.2% = (960.9047619047619 - 972.8118855106044) / 972.8118855106044 × 100
- 960.9047619047619 = Zillow ZORI, 2026-08
- 972.8118855106044 = Zillow ZORI, 2026-07
noteLawrence County, PA's typical home value of +3.8% ranks 1st of 8 counties in the Pittsburgh metro, against a median of -0.2%.
Period 2026-08.Show the arithmetic
- 100 on the 0-to-100 scale across 8 counties in the Pittsburgh metro that published home.yoyPct
position among the entities that published this metric this period; not an official level
noteLawrence County, PA's typical asking rent of $961 ranks 1,310th of 1,399 US counties, against a median of $1,496.
Period 2026-08.Show the arithmetic
- 6 on the 0-to-100 scale across 1399 US counties that published rent.latest
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.