Lebanon County, PA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.37, -76.46.
Assembled 2026-10-06. Read the brief.
- 74th pct · 786th of 3,063 US counties · median $234,566
- 83rd pct · 12th of 67 Pennsylvania counties · median $233,681
- counties in the Lebanon metro: Rank context is unavailable: the manifest lists 1 counties in the Lebanon metro; fewer than 5 is too few to rank.
- 74th pct · 794th of 3,063 US counties · median +2.9%
- 80th pct · 14th of 67 Pennsylvania counties · median +3.4%
- counties in the Lebanon metro: Rank context is unavailable: the manifest lists 1 counties in the Lebanon metro; fewer than 5 is too few to rank.
- 45th pct · 764th of 1,399 US counties · median $1,496
- 65th pct · 17th of 48 Pennsylvania counties · median $1,349
- counties in the Lebanon metro: Rank context is unavailable: the manifest lists 1 counties in the Lebanon metro; fewer than 5 is too few to rank.
- 84th pct · 486th of 3,221 US counties · median 8,232
- 65th pct · 24th of 67 Pennsylvania counties · median 27,809
- counties in the Lebanon metro: Rank context is unavailable: the manifest lists 1 counties in the Lebanon metro; fewer than 5 is too few to rank.
- 67th pct · 1,046th of 3,221 US counties · median $1,039
- 59th pct · 28th of 67 Pennsylvania counties · median $1,102
- counties in the Lebanon metro: Rank context is unavailable: the manifest lists 1 counties in the Lebanon metro; fewer than 5 is too few to rank.
- 72nd pct · 857th of 3,063 US counties · median 4.3
- 87th pct · 9th of 67 Pennsylvania counties · median 3.8
- counties in the Lebanon metro: Rank context is unavailable: the manifest lists 1 counties in the Lebanon 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 $322,198 (Aug 2026), +5.2% over one year, +36.7% over five
- 74th pct · 786th of 3,063 US counties · median $234,566
- 83rd pct · 12th of 67 Pennsylvania counties · median $233,681
- counties in the Lebanon metro: Rank context is unavailable: the manifest lists 1 counties in the Lebanon metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Lebanon County, PA | $322,198 · +5.2% 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 $1,450/mo (Aug 2026), +1.8% over one year; price-to-rent 18.5
- 45th pct · 764th of 1,399 US counties · median $1,496
- 65th pct · 17th of 48 Pennsylvania counties · median $1,349
- counties in the Lebanon metro: Rank context is unavailable: the manifest lists 1 counties in the Lebanon metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Lebanon County, PA | $1,450/mo · +1.8% 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 $1,764 a month on $322,198 at 7.28%, against an average weekly wage worth $4,892 a month: 36.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $322,198 × 80% = $257,758, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,764/mo principal and interest
- wage share = payment / (avg weekly wage $1,129 × 52 / 12 = $4,892) = 36% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $322,198 / ($1,129 × 52) = 5.5
- price-to-rent = $322,198 / ($1,450 × 12) = 18.5
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 #
53,556 jobs at 2,999 employers (2026 Q1); +0.6% jobs and +2.8% average weekly wage over the year
- 84th pct · 486th of 3,221 US counties · median 8,232
- 65th pct · 24th of 67 Pennsylvania counties · median 27,809
- counties in the Lebanon metro: Rank context is unavailable: the manifest lists 1 counties in the Lebanon metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Lebanon County, PA | 53,556 jobs · $1,129/wk · +0.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 9,772 | $1,301 | 2.27 | -1.1% |
| Health care and social assistance | 7,378 | $1,180 | 0.92 | +1.5% |
| Retail trade | 6,534 | $697 | 1.25 | +1.6% |
| Transportation and warehousing | 4,311 | $1,222 | 1.91 | -4.3% |
| Accommodation and food services | 4,022 | $420 | 0.84 | -0.3% |
| Administrative and waste services | 2,376 | $745 | 0.78 | +18.4% |
| Other services | 1,580 | $703 | 0.99 | +3.1% |
| Professional and technical services | 1,071 | $1,672 | 0.29 | -0.1% |
| Educational services | 977 | $830 | 0.85 | -0.6% |
| Finance and insurance | 781 | $1,683 | 0.36 | -0.8% |
| Arts, entertainment and recreation | 355 | $471 | 0.40 | -3.0% |
| Management of companies | 256 | $1,937 | 0.29 | -18.5% |
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 #
$3.2 bn in deposits at 32 offices of 12 banks (SOD June 2026); HHI 1,929, highly concentrated. $1.0 bn federal obligations in FY2026 (direct payments $924.8 m, contracts $78.3 m), $19,082 per covered job
| Item | Value | Distance |
|---|---|---|
| Fulton Bank, National Association | $1.1 bn · 34.1% share · 6 offices | |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | $698.2 m · 21.9% share · 9 offices | |
| Wells Fargo Bank, National Association | $313.6 m · 9.8% share · 3 offices | |
| Lebanon, PA | $1.0 bn FY2026 · $19,082/job | |
| MULTIPLE RECIPIENTS | $906.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Fulton Bank, National Association | $1,090,707,000 | 34.1% | 6 |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | $698,249,000 | 21.9% | 9 |
| Wells Fargo Bank, National Association | $313,625,000 | 9.8% | 3 |
| First Citizens Community Bank | $307,573,000 | 9.6% | 3 |
| First National Bank of Pennsylvania | $186,681,000 | 5.8% | 2 |
| Northwest Bank | $181,915,000 | 5.7% | 3 |
| Bank of Bird-in-Hand | $95,707,000 | 3.0% | 1 |
| Manufacturers and Traders Trust Company | $89,398,000 | 2.8% | 1 |
| The Ephrata National Bank | $72,488,000 | 2.3% | 1 |
| Santander Bank, N.A. | $61,387,000 | 1.9% | 1 |
Deposit concentration is 1,929 across 12 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 12 banks with deposits in the county = 34.1² + 21.9² + 9.8² + … (9 more) = 1,929
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 | $806,307,579 |
| Department of Veterans Affairs | $157,113,970 |
| Department of Defense | $22,205,195 |
| Department of Housing and Urban Development | $11,162,678 |
| Department of Transportation | $9,062,824 |
| Department of Agriculture | $6,166,160 |
| Railroad Retirement Board | $3,319,801 |
| Department of Education | $3,040,773 |
| Department of Health and Human Services | $1,901,998 |
| Department of Homeland Security | $978,674 |
| Federal Communications Commission | $445,413 |
| National Science Foundation | $200,520 |
That is $19,082 per covered job, against 53,556 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.0 bn / 53,556 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,082
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 #
Lebanon County, PA: 6 findings, 6 noted
noteLebanon County, PA's average weekly wage was 2.8% 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
- +2.8 % = 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
noteLebanon County, PA's typical asking rent rose 1.4% from $1,429 in July 2026 to $1,450 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +1.4% = (1449.8627002288329 - 1429.1817786687068) / 1429.1817786687068 × 100
- 1449.8627002288329 = Zillow ZORI, 2026-08
- 1429.1817786687068 = Zillow ZORI, 2026-07
noteLebanon County, PA's covered employment was 0.6% 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
- +0.6 % = 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
noteLebanon County, PA's typical home value rose 0.5% from $320,609 in July 2026 to $322,198 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.5% = (322198.1029769736 - 320609.3490305459) / 320609.3490305459 × 100
- 322198.1029769736 = Zillow ZHVI, 2026-08
- 320609.3490305459 = Zillow ZHVI, 2026-07
noteThe next Zillow ZHVI typical home value (monthly) covering Lebanon 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
Read all 6 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.