McKean County, PA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.81, -78.57.
Assembled 2026-10-06. Read the brief.
- 4th pct · 2,917th of 3,063 US counties · median $234,566
- 1st pct · 66th of 67 Pennsylvania counties · median $233,681
- 7th pct · 2,829th of 3,063 US counties · median +2.9%
- 3rd pct · 65th of 67 Pennsylvania counties · median +3.4%
- US counties: not published this period
- Pennsylvania counties: not published this period
- 62nd pct · 1,211th of 3,221 US counties · median 8,232
- 25th pct · 50th of 67 Pennsylvania counties · median 27,809
- 42nd pct · 1,846th of 3,221 US counties · median $1,039
- 21st pct · 53rd of 67 Pennsylvania counties · median $1,102
- 5th pct · 2,894th of 3,063 US counties · median 4.3
- 3rd pct · 65th 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 $112,351 (Aug 2026), -2.8% over one year, +1.2% over five
- 4th pct · 2,917th of 3,063 US counties · median $234,566
- 1st pct · 66th of 67 Pennsylvania counties · median $233,681
| Item | Value | Distance |
|---|---|---|
| McKean County, PA | $112,351 · -2.8% 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 $615 a month on $112,351 at 7.28%, against an average weekly wage worth $4,364 a month: 14.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $112,351 × 80% = $89,881, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $615/mo principal and interest
- wage share = payment / (avg weekly wage $1,007 × 52 / 12 = $4,364) = 14% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $112,351 / ($1,007 × 52) = 2.1
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 #
13,626 jobs at 1,054 employers (2026 Q1); -0.4% jobs and +2.8% average weekly wage over the year
- 62nd pct · 1,211th of 3,221 US counties · median 8,232
- 25th pct · 50th of 67 Pennsylvania counties · median 27,809
| Item | Value | Distance |
|---|---|---|
| McKean County, PA | 13,626 jobs · $1,007/wk · -0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,837 | $1,319 | 2.59 | -1.3% |
| Health care and social assistance | 2,256 | $966 | 1.10 | -1.0% |
| Retail trade | 1,521 | $641 | 1.15 | -3.6% |
| Accommodation and food services | 1,049 | $349 | 0.86 | -0.3% |
| Transportation and warehousing | 505 | $875 | 0.88 | +0.8% |
| Other services | 441 | $453 | 1.08 | +3.8% |
| Construction | 420 | $1,087 | 0.59 | -11.4% |
| Administrative and waste services | 413 | $542 | 0.53 | -10.2% |
| Mining, oil and gas | 374 | $1,538 | 7.71 | +5.9% |
| Educational services | 321 | $1,016 | 1.09 | +96.9% |
| Wholesale trade | 268 | $1,447 | 0.51 | -8.8% |
| Management of companies | 226 | $1,718 | 0.99 | +0.9% |
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 #
$916.3 m in deposits at 16 offices of 5 banks (SOD June 2026); HHI 3,170, highly concentrated. $299.6 m federal obligations in FY2026 (direct payments $270.7 m, contracts $15.4 m), $21,985 per covered job
| Item | Value | Distance |
|---|---|---|
| Northwest Bank | $364.0 m · 39.7% share · 5 offices | |
| Hamlin Bank and Trust Company | $341.3 m · 37.2% share · 7 offices | |
| CNB Bank | $109.5 m · 12.0% share · 2 offices | |
| McKean, PA | $299.6 m FY2026 · $21,985/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Northwest Bank | $363,990,000 | 39.7% | 5 |
| Hamlin Bank and Trust Company | $341,322,000 | 37.2% | 7 |
| CNB Bank | $109,538,000 | 12.0% | 2 |
| The Juniata Valley Bank | $52,562,000 | 5.7% | 1 |
| PNC Bank, National Association | $48,889,000 | 5.3% | 1 |
Deposit concentration is 3,170 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 39.7² + 37.2² + 12.0² + … (2 more) = 3,170
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 #
That is $21,985 per covered job, against 13,626 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $299.6 m / 13,626 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,985
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 #
McKean County, PA: 13 findings, 3 at a watch level and 10 noted
watchMcKean County, PA's typical home value is -2.8% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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: home.yoyPct = -2.8371856428774245 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchMcKean 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
watchMcKean County, PA's covered employment of 13,626 scores 62 on the 0-to-100 scale across US counties but 26 across Pennsylvania counties, a gap of 37 points.
Period 2026 Q1.Show the arithmetic
- 37 = |62 across US counties - 26 across Pennsylvania counties|
position among the entities that published this metric this period; not an official level
noteMcKean 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
noteMcKean 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
Read all 12 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.