Lycoming County, PA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.34, -77.06.
Assembled 2026-10-06. Read the brief.
- 51st pct · 1,484th of 3,063 US counties · median $234,566
- 54th pct · 31st of 67 Pennsylvania counties · median $233,681
- counties in the Williamsport metro: Rank context is unavailable: the manifest lists 1 counties in the Williamsport metro; fewer than 5 is too few to rank.
- 61st pct · 1,184th of 3,063 US counties · median +2.9%
- 63rd pct · 25th of 67 Pennsylvania counties · median +3.4%
- counties in the Williamsport metro: Rank context is unavailable: the manifest lists 1 counties in the Williamsport metro; fewer than 5 is too few to rank.
- 14th pct · 1,191st of 1,399 US counties · median $1,496
- 34th pct · 32nd of 48 Pennsylvania counties · median $1,349
- counties in the Williamsport metro: Rank context is unavailable: the manifest lists 1 counties in the Williamsport metro; fewer than 5 is too few to rank.
- 84th pct · 514th of 3,221 US counties · median 8,232
- 62nd pct · 26th of 67 Pennsylvania counties · median 27,809
- counties in the Williamsport metro: Rank context is unavailable: the manifest lists 1 counties in the Williamsport metro; fewer than 5 is too few to rank.
- 63rd pct · 1,170th of 3,221 US counties · median $1,039
- 51st pct · 33rd of 67 Pennsylvania counties · median $1,102
- counties in the Williamsport metro: Rank context is unavailable: the manifest lists 1 counties in the Williamsport metro; fewer than 5 is too few to rank.
- 47th pct · 1,608th of 3,063 US counties · median 4.3
- 54th pct · 31st of 67 Pennsylvania counties · median 3.8
- counties in the Williamsport metro: Rank context is unavailable: the manifest lists 1 counties in the Williamsport 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 $238,940 (Aug 2026), +4.0% over one year, +25.5% over five
- 51st pct · 1,484th of 3,063 US counties · median $234,566
- 54th pct · 31st of 67 Pennsylvania counties · median $233,681
- counties in the Williamsport metro: Rank context is unavailable: the manifest lists 1 counties in the Williamsport metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Lycoming County, PA | $238,940 · +4.0% 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 $1,096/mo (Aug 2026), +5.8% over one year; price-to-rent 18.2
- 14th pct · 1,191st of 1,399 US counties · median $1,496
- 34th pct · 32nd of 48 Pennsylvania counties · median $1,349
- counties in the Williamsport metro: Rank context is unavailable: the manifest lists 1 counties in the Williamsport metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Lycoming County, PA | $1,096/mo · +5.8% 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 $1,308 a month on $238,940 at 7.28%, against an average weekly wage worth $4,797 a month: 27.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $238,940 × 80% = $191,152, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,308/mo principal and interest
- wage share = payment / (avg weekly wage $1,107 × 52 / 12 = $4,797) = 27% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $238,940 / ($1,107 × 52) = 4.2
- price-to-rent = $238,940 / ($1,096 × 12) = 18.2
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 #
49,511 jobs at 2,996 employers (2026 Q1); +0.6% jobs and +2.5% average weekly wage over the year
- 84th pct · 514th of 3,221 US counties · median 8,232
- 62nd pct · 26th of 67 Pennsylvania counties · median 27,809
- counties in the Williamsport metro: Rank context is unavailable: the manifest lists 1 counties in the Williamsport metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Lycoming County, PA | 49,511 jobs · $1,107/wk · +0.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 11,093 | $1,241 | 1.49 | +4.0% |
| Manufacturing | 7,353 | $1,454 | 1.85 | -1.6% |
| Retail trade | 5,613 | $660 | 1.16 | -1.5% |
| Accommodation and food services | 4,241 | $389 | 0.95 | +4.5% |
| Wholesale trade | 1,848 | $1,234 | 0.97 | -1.4% |
| Other services | 1,820 | $715 | 1.23 | +3.9% |
| Construction | 1,679 | $1,252 | 0.65 | +5.1% |
| Administrative and waste services | 1,610 | $708 | 0.57 | -0.4% |
| Transportation and warehousing | 1,598 | $1,093 | 0.77 | -2.1% |
| Professional and technical services | 1,478 | $1,340 | 0.43 | -1.9% |
| Finance and insurance | 1,202 | $1,549 | 0.60 | -1.6% |
| Mining, oil and gas | 555 | $2,238 | 3.15 | -7.5% |
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.
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 #
Surface water layer not loaded
Sites found: 0, 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.
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 #
Surface water layer not loaded
Sites found: 0, 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.
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 #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, 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.
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 / 0.35
Banks & federal dollars #
$3.0 bn in deposits at 44 offices of 10 banks (SOD June 2026); HHI 1,370, moderately concentrated. $815.8 m federal obligations in FY2026 (direct payments $752.1 m, grants $40.8 m), $16,476 per covered job
| Item | Value | Distance |
|---|---|---|
| Woodlands Bank | $536.3 m · 17.9% share · 7 offices | |
| Journey Bank | $509.4 m · 17.0% share · 8 offices | |
| Northwest Bank | $490.6 m · 16.3% share · 9 offices | |
| Lycoming, PA | $815.8 m FY2026 · $16,476/job | |
| MULTIPLE RECIPIENTS | $725.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Woodlands Bank | $536,346,000 | 17.9% | 7 |
| Journey Bank | $509,382,000 | 17.0% | 8 |
| Northwest Bank | $490,589,000 | 16.3% | 9 |
| Manufacturers and Traders Trust Company | $460,478,000 | 15.3% | 4 |
| Citizens & Northern Bank | $327,503,000 | 10.9% | 6 |
| First Commonwealth Bank | $258,896,000 | 8.6% | 5 |
| Truist Bank | $186,776,000 | 6.2% | 2 |
| First National Bank of Pennsylvania | $125,103,000 | 4.2% | 1 |
| PNC Bank, National Association | $92,862,000 | 3.1% | 1 |
| First Citizens Community Bank | $13,088,000 | 0.4% | 1 |
Deposit concentration is 1,370 across 10 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 17.9² + 17.0² + 16.3² + … (7 more) = 1,370
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 | $649,351,555 |
| Department of Veterans Affairs | $72,210,174 |
| Department of Transportation | $21,679,884 |
| Department of Housing and Urban Development | $14,716,986 |
| Department of Education | $13,379,645 |
| Department of Defense | $9,423,474 |
| Department of Health and Human Services | $9,150,767 |
| Department of Justice | $6,819,888 |
| Department of Commerce | $6,114,184 |
| General Services Administration | $4,865,493 |
| Railroad Retirement Board | $3,826,384 |
| Department of Agriculture | $2,429,320 |
That is $16,476 per covered job, against 49,511 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $815.8 m / 49,511 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,476
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 | -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 #
Lycoming County, PA: 5 findings, 5 noted
noteLycoming 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
noteLycoming 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
noteLycoming County, PA's typical home value rose 0.5% from $237,805 in July 2026 to $238,940 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.5% = (238939.83347396777 - 237804.88306655036) / 237804.88306655036 × 100
- 238939.83347396777 = Zillow ZHVI, 2026-08
- 237804.88306655036 = Zillow ZHVI, 2026-07
noteThe next Zillow ZHVI typical home value (monthly) covering Lycoming 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 Lycoming 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.